| 03/15/2020 |
Yes |
- Debt collection
- Private student loan 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 a NEW Complaint in regards to a letter received XX/XX/XXXX from the previous " Third Party '' Organization, XXXX, XXXX XXXX XXXX XXXX, XXXX ( Representing US ASSET MANAGEMENT ). This firm was notified to stop all illegal harassment in regards to the " Officially deemed fraudulent loan from XXXX XXXX ''. I am again requesting all contact regarding this issue cease. The following are statements and letters sent to the CFPB, XXXX, XXXX XXXX XXXX XXXX, XXXX as well as responses from the previous third party XXXX XXXX XXXX , XXXX.
XXXX , XXXX XXXX XXXX XXXX , XXXX has the necessary documentation submitted previously***** *** This statement was sent on XX/XX/XXXX*** In response to my Cease and Desist Order, it seems that the second third party debt collector, ( Bear in mind, that the that former third party, XXXX XXXX XXXX ( Amending the word from XXXX to the accurate name XXXX ), XXXX representing EOS ( Who purchased the account from XXXX XXXX ), has responded with a specific Cease and Desist " all communications '' solely. I am now clarifying my request.
XXXX XXXX XXXX , XXXX, responded on XX/XX/XXXX through CFPB with this assessment : " Ms. XXXX, XXXX XXXX XXXX XXXX takes these complaints seriously. After careful review of your concerns, reviewing calls made from our office and notes on the account, XXXX XXXX XXXX XXXX has closed your account as a Cease & Desist/Fraud. We are a 3rd party collection agency for EOS ( who now owns your XXXX XXXX account ), we have notified EOS via email as well as sending them your documentation. We have asked them to close your account out on their end as well. Shall you have any questions or concerns at this point, please contact me directly at XXXX. Thank you XXXX XXXX Compliance Manager ''.
I am clarifying my request to follow in accordance with XXXX, XXXX XXXX assessment of the legitimacy of the loan, and that a Cease and Desist any and all actions ( both Communicative and Legal ) now and in the future regarding this termed " Fraudulent '' loan. This Loan has been closed due to fraud. It was XXXX XXXX XXXX responsibility to accurately assess whether a loan, while processing, is valid.
" XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX .
XXXX XXXX, OH XXXX To Whom It May Concern : I just received your correspondence dated XX/XX/XXXX in regards to case # XXXX received on XX/XX/XXXX. Be advised that this loan has already been closed and has been officially been deemed Cease and Desist/Fraud by a former third party company and the CFPB. I have submitted a new complaint to the CFPB, you should be hearing from them if not already. Please cease all further attempts to contact me.
Sincerely, XXXX XXXX XXXX *** What Happened*** On XX/XX/XXXX my father XXXX XXXX XXXX applied for a Smart Option Student loan to pay for XXXX College ; he did this without my knowledge or consent. My father told me that all of my school 's tuition will be taken care of and kept me out of the details, and he asked me to hand him all letters pertaining to financing my education. My father, XXXX XXXX died on XX/XX/XXXX of XXXX. Before he died, he and his then wife XXXX XXXX ( " Spouse '' on the loan ), told me what I was to receive when he died and what I was responsible for. They told me to pay the last semester of the spring of XX/XX/XXXX ( I personally paid {$22000.00} to XXXX and additionally I paid one other loan belonging to XXXX XXXX ). I was never informed of any additional loans. On XX/XX/XXXX, I received an email from XXXX XXXX stating that I owed a loan for {$26000.00}. This email was a reminder sent to my school 's email address, however, prior to that I received advertisements only from XXXX XXXX offering me new loans and to consider a Smart Option Student Loan in the future. My father previously took out a Federal Loan from XXXX XXXX to pay for my previous school XX/XX/XXXX College. This same advertisement from XXXX XXXX was delivered to my school address at XXXX several times starting in XX/XX/XXXX. I do not have an email regarding a specific loan from XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, only advertisements. Only a notification later that a password was changed and that a new document was available, again my father handled everything. XXXX XXXX is stating that a specific email was sent to confirm that a specific loan was approved to my XXXX address, I have no such document. From the latest email regarding this conflict, " When an online account is created we send notifications to the borrower and cosigner at their email addresses, when correspondence or documents are available for viewing online '' ; this is generic. What I did receive on XXXX ( this was the first time I saw this ) was an email stating that " Dear Valued Customer, You have a new document available online. You must log in to view this document. Please use the same user ID and password you created for your XXXX XXXX online account. '' Again, my father previously had an account with XXXX XXXX and I assumed this was from that since I did not personally create a loan with XXXX XXXX. If the document was created in XX/XX/XXXX why wasn't I notified then? I believe the burden of proof falls to XXXX XXXX to establish that this loan was mine and that I knowingly knew of it's existence. The information on this loan was completely falsified by my late father, which makes the document illegal and invalid. If he were alive he would have been prosecuted for fraud according to the law. I also believe he wasn't in his right mind ( there are mistakes in the loan ) because he was on serious debilitating medication at the time for his XXXX treatment. XXXX XXXX KNOWINGLY approved a loan they new to be false. 1 ) I was not the originator of the loan. I would like to see the IP address of the computer used to create the document. 2 ) XXXX XXXX voluntarily approved a loan document that they knew was fraudulent. A ) Only my name, address, SS # and an electronic signature was used to link me to this loan. ALL information under my name and my fathers name was my fathers information. i.e, where he worked, how much he made, that he was married etc. I've already proved that I worked for an XX/XX/XXXX ( sending them pay stubs ) and not XXXX XXXX or XXXX XXXX as listed on the form. I am not and never have been married. I did not make XXXX as my salary, etc. 3 ) I had no real established credit at the time to warrant the approval of a {$26000.00} loan. 4 ) What criteria was used to establish a loan with XXXX XXXX? According to XXXX XXXX XXXX Website using " Credit worthiness and other factors ''. I believe only my fathers information was used to determine the " worthiness '' of this loan 's approval. 5 ) Neither my Aunt, XXXX XXXX ( letter was sent from her ) denying the knowledge of this loan even thought she and my uncle were listed as references and neither did my father 's second wife XXXX XXXX, have any knowledge ( accorder to her ). Can they prove that they did know or was informed. 6 ) I have no knowledge of the accompanied password and user ID used to create the loan, only ( I assume ) my father knew this information. I was able to access this " account '' in XX/XX/XXXX. I needed to call them to access this loan by giving them my SS #. If I knew about the loan, I would would have been able to access this myself online. Proving that I had no knowledge. 7 ) A Letter ( in supporting evidence ) and address to me, was in the mail from XXXX XXXX sent to my address, however, I never saw this letter until It was in a folder given to me by XXXX XXXX as part of my father 's effects. Included in this folder were also medical records and named " College ''. Since I paid the two specific bills ( which was requested by him and XXXX XXXX ( aka Spouse ) while he was alive ), I had no reason to look further and I was grieving. The letter states : That notification will be sent to the borrower by email OR mail. XXXX XXXX XXXX insistence that they sent me an email ( that I could actually open ) was false. This was sent to my home and my father reviewed everything. XXXX XXXX XXXX statement as my name and address, SS # and an electronic signature was enough to prove my responsibility according to them. Anyone can then take out a loan, pay for something ( even though it was for my benefit ) default and claim that I am responsible because of an electronic signature. My father signed my name, his information was used to determine approval. I am asking that XXXX XXXX acknowledge that the loan was approved by mistake and the responsibility falls to my late father 's estate. I have met my responsibilities and paid what I was asked to pay. XXXX XXXX made a mistake they need to acknowledge this. I am also not ( If I knew I would been prepared previously to pay this ) in a position now to pay for a debt that was done again, without my knowledge or consent. The burden of proof falls to XXXX XXXX. ****On XX/XX/XXXX my Grandmother, who is XXXX, received a call form a XXXX XXXX representing XXXX XXXX XXXX asking for me. I do not live with her and have no idea how they got her number. She was a bit shaken when she informed me of this call. Their number is ( XXXX ). ******* 1 ) Acknowledging that the majority of the information used to secure the loan was XXXX XXXX XXXX. I had absolutely no knowledge of this loan 's existence. 2 ) According to Sallie Mae 's Website " Credit Worthiness '' is used to determine whether a loan is approved or not. I had no credit at the time of origination and ALL the information used was his in making that determination of approval. 3 ) My IP address wasn't used for this loan. 4 ) That XXXX XXXX take full responsibility for their mistake in approval of an illegal document. 5 ) That the Smart Option Loan used to pay for XXXX College belonged to XXXX XXXX alone and created while he was under heavy medication from XXXX XXXX XXXX. 6 ) Because of his death, the Estate of XXXX XXXX is responsible, and or the loan needs to be forgiven because of his death and the reasons stated above. That my name, address, SS # and an electronic signature is not enough to associate me with this document. 7 ) That Predatory Lending Practices ( much like the mortgage crises in XX/XX/XXXX ) are in play and that harassment needs to stop.
** New addition*** Much like XX/XX/XXXXXXXX XXXX , a new company ( or firm ), XXXX , XXXX XXXX XXXX XXXX , XXXX has contacted me servicing U.S. Asset Management ( Case # XXXX ) in the attempts to collect on a now officially deemed Fraudulent Loan ( See company response sent on XX/XX/XXXX ). Case # XXXX a Closed Complaint Case. They are already calling me on a daily basis. I am concerned that they will, like the previous company, attempt to contact family members. I am concerned that these continual " Predatory Lending Practices '' will not stop.
That XXXX XXXX acknowledge that they approved an obvious fraudulent loan from XXXX XXXX nine months before he passed away. They made the determination to go forward, and should take the responsibility for their decision. This loan has already been closed and is in Cease and Desist status. I am asking that any and all further and future correspondence regarding this loan also be deemed Cease and Desist. I am in the process of responding to the new company with all documentation pertinent to this case including the CFPB response sent on XX/XX/XXXX.
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| 06/21/2020 |
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 |
Servicemember |
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In XXXX of last year an account was fraudulently opened in my name by a co-worker of mine and a friend of theirs who worked at XXXX. I didnt know about the account until I received a letter in the mail early this year regarding insurance that had also been taken out in my name to cover the phones on the XXXX phone account which had been opened in my name. I called XXXX to let them know that the account was not legitimate. The person I spoke with on the phone asked me for information about the account which, since I had not opened the account, I could not answer, such as phone numbers associated with the fraudulent account and XXXX passwords, user names and when I could not answer they instead suggested that I should pay the past due amounts on the account so that it would not adversely affect my credit. They further suggested that since I demanded that the account be closed, that I visit one of their stores and present my ID and pay the bill and after I have identifed myself to one of the store employees so I could THEN close the account and shut the phones down at which time the store employees could grant me access to to the fraudulent account via my own XXXXXXXX ID and password. FIRST, I went to the XXXX store at the XXXX XXXX XXXX XXXX and presented my ID. However, since it was close to closing time the employees there were anxious to go home and understandably so. Still, they did what they could by contacting their superiors at XXXX to help me file my complaint but told me I would have to call the same customer service number that directed me to them in order to close the account because they had no authority since I wasnt able to provide any of the pertinent information about the account at the time. So, I called the same XXXX customer service number again the next day and was on the phone with their representative XXXX who suggested that we use the insurance that was purchased illegally to pay for the XXXX XXXX XXXX handsets ( equipment as they referred to it as ) saying that the insurance would cover the 4 phones which totalled more than {$3000.00} since I would not be able to recover the phones to turn them in to take the amounts owed for them off " my '' bill! And then that way I could pay th he remaining amounts owed and it would then not affect my credit ... she said she was just about to end her shift and that we could pick up where we left off the following day and we set an appointment time for her to call me back so I could be sure to be at my phone when she called. Unfortunately our appointment time came and went with no call back from XXXX. Dissatisfied with the responses I was getting over the phone, the next day I went to the store on XXXX, in XXXX, CA. where after explaining to the employees there what had happened they agreed to take the first half of what was owed and did. I paid over {$300.00} towards the $ XXXX bill that was owing on the account ( minus the equipment that would be covered under the insurance that had been illegally purchased in my name ) to which I had never had access, other than to receive a letter saying the insurance that was purchased in my name was in force. However after making the payment, I asked the store employees for access to the account, in response to which they said access could only be granted to me by my calling the same t-mobile customer service number that had instructed me to come to the store to show my ID. I then told the store employee that the person who opened the account was ordering all kinds of phones and service on the account but I was told that the customer service employees who had helped me to get information on the account had removed the authorized user and so the account would not be accruing any further amounts. The store employee then asked me " that's not XXXX then right? Because your account STILL HAS AN AUTHORIZED USER AND HE JUST ORDERED ANOTHER XXXX XXXX XXXX XXXX and an additional line on the account earlier today! " And this was a full 24 hrs after I had spoken with XXXX on the phone for almost 2 hours to tell them to turn the account off because it was fraud. All I was allowed to have for my time and $ XXXX payment was a receipt for the payment ... by the time I had to leave their store at closing. So, exhausted by all of the effort it was taking to get nothing but my bill run up higher I decided I couldnt go through the lengthy explanations again at what was now XXXX XXXX at the end of an entire weekend spent trying to have the fraudulent account closed. Because i had to be at work early the next morning. But I was so upset about this person not only being allowed to add himself back to the fraudulent account as an authorized user that I called up the XXXX customer service number again and told them to shut it down now or I was going to the police to file a complaint against them for allowing my name and credit to be used after i had already informed them several times that the account was fraudulent and so the XXXX customer service employee that took my call asked if I could please hold while they consulted their supervisor, I said, '' of couse '' and after being put on hold for more than 10 mins the employee came back to the phone and announced to me that the account was being treated as a fraudulent account and so they could no longer discuss the account with me any further. To which I said " thank you! '' And hung up the phone hoping and believing this would be the end of it. Then almost 3 weeks later I received a bill for the $ XXXX owing on the fraudulent bill and so I went to the FTC website where I filed a fraud report, and downloaded the letters they suggested such as the NOTICE TO FURNISHERS, a copy of my Fraud Report and the other suggested documents which I sent to XXXX by both email and US mail to XXXX XXXX fraud department and by email to the only email address I could find which was XXXX. Fast forward 8 weeks later and now I have received a COLLECTIONS letter from a Debt Collection company for more than {$700.00} when all that was left owing on the fraudulent account on the 2nd but last call I made to XXXX BEFORE filing my complaint and fraud report through the FTC website was less than {$400.00}. And to make matters worse, when I got the collections letter I attempted to call XXXX again to ask why they were sending me a bill for the full amount when I had already paid almost XXXX of, on the total which was just a little over {$800.00}? However, since my regular phone service is through XXXX and XXXX and XXXX are now in a merger, my XXXX phone number is automatically routed to XXXX Customer Service everytime I attempt to put a call intXXXX XXXX and I can not even use the XXXX feature to cloak my number because it doesnt work on toll free numbers. So, I can not reach XXXX so that even if I did want to pay their extortion demands in order to preserve my credit ( because I am currently trying to purchase my first home ) I can not. Can you help me with this terrible situation?
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| 11/24/2021 |
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 ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .EOS CCA & {$960.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX XXXX XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/08/2021 |
Yes |
- Debt collection
- Credit card 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 ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. EOS CCA & BAL. {$590.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- 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 personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. EOS CCA & BAL. 1321**** I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 04/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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Below is the letter sent to XXXX & the debt collection agency EOS CCA explaining the entire situation. I do not have dates as there were many calls made over the period of over a year. All proof is in XXXX 's database to include call logs, call discussions and the date the contract was voided and cleared out.
XX/XX/XXXX XXXX XXXX XXXX XXXX ATTENTION : EOS CCA XXXX XXXX XXXX From : XXXX XXXX XXXX, EOS CCA To : XXXX XXXX XXXX XXXX : ILLEGAL DEBT CHARGE & DEBT COLLECTION IN CONCERN OF XXXX 1. My spouse and I entered into a contract with XXXX on XX/XX/XXXX. When signing up I explained that I would be working and living on XXXX XXXX the military base. At least twice a month I called in to XXXX explaining I hardly ever had phone service. I was walked through many different processing to rectify this issue until finally I was told that I could go to the nearest XXXX store and get out of the contract, as I was not promised the services I signed up for.
On XX/XX/XXXX my spouse and I walked into XXXX XXXX to return the XXXX purchased phones and their contracts back to the original issuing XXXX store off of XXXX XXXX in XXXX, CA. The phones were taken, paperwork was signed and the employee known as XXXX told us we owed nothing and had made several complaints about never having phone signal on the XXXX XXXX base were I worked and lived. All documentation of every call, report of issue can be found in the XXXX database.
On or about a month later I began to receive invoices claiming I owed money on the very account ; I was told had been cleared and closed out. It was then that I called in one evening to XXXX and spoke to a woman ( I never got her name ). We were on the phone for more than one hour as she tried to figure out why I had charges under my name. She verbalized that I should not have any charges as she could clearly see that the phones had been returned and the contract voided. She said she noticed that the store had not properly closed out the account and that I would need to contact the issuing XXXX store to fix the issue. She than called the XXXX XXXX store and spoke to the Manager on a three-way call. The manager explained he could see the same issue and would fix the issue as son as possible and the store had fired XXXX XXXX for similar actions. The manager told me he would call me in a few days to let me know the status. A week went by and I received not such call. I called the store many times, left messages and never heard back. I went to the store three times and the manager was never in.
Weeks later I was not receiving any invoices any longer so I thought maybe the issue had been fixed. Than on XX/XX/XXXX I received a rather aggressive call from EOS CCA, claiming I owed a debt that was placed in collections and I need to pay {$1000.00} to XXXX by a XXXX XXXX ( who was pretty rude over the phone I might add ). After this call I checked my credit score and it dropped nearly 100 points. All due to an illegal and inaccurate charge made by XXXX.
As an XXXX XXXX XXXX member my credit score is vital in maintain my security clearance. I have been in almost 10 years and this charge will ruin my military career. I am currently in the process of renewing my security clearance and will likely be DENIED because XXXX did not do their job.
2. On XX/XX/XXXX I received another call from EOS CCA again asking for payment to the collection by XXXX XXXX. I explained the entire situation in a condensed version and explain I would not ever be paying for this debt and wanted it removed as soon as possible. She annotated a verbal dispute and gave the information to make the dispute in writing and said it could take up to a few months to get the issue rectified. This is also totally UNSATISFACTORY. With million so workers I am sure a large company like XXXX can rectify this issue in less than two weeks especially when it is their fault entirely.
3. I have the right to an accurate credit report! I have literally done everything in my power to fix this issue ; an a charge in its entirety was due to the mishandlings of one of XXXX XXXX own company employees : XXXX XXXX who was an employee at the XXXX XXXX XXXX Step B in XXXX, CA. I am requesting be done upon receipt of this letter : for EOS CCA to pay for delete and have the debt removed from my credit report, a receipt of this removal. I am also requesting proof of debt ( debt validation request ) from the charging company ; XXXX XXXX and well as all the documentation from all the calls I made of the past year to dispute the charges before they were sent to collections. I do not expect to hear from EOS CCA except to confirm the account has been removed from my credit report and from XXXX. I will consider any other contact from your company as harassment and will immediately report your actions to the Federal Trade Commission and my State Attorney and if necessary, take legal action to protect myself. Finally, I expect you to remove this account and all references to my personal information from your records.
4. I will also be mailing a copy of this letter to XXXX Corporate HQ and the CEO of XXXX. I will also be filing a dispute under the FCRA. Attached to this letter : a copy of my credit report that details the collection and a copy of my dispute to XXXX directly.
XXXX. Please mail me proof of this claimed debt and all documents of my account from XXXX upon receipt of this letter.
XXXX XXXX XXXX XXXX, XXXX
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| 05/07/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American |
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I sent this Validation Of Debt letter ( below ) 3 times and they never provided me with any proof, yet they continue to report this on my credit and it has devastated my life, my ability to get a job and any new credit : FROM : XXXX XXXX Re : XXXX XXXX CLIENT REF : XXXX XXXX XXXX XXXX XXXX XXXX AGENCY ACCT # XXXX XXXX, CA XXXX TO : EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX Dates request for Validation Of Debt letters sent to credit bureaus and collection company are ; To Whom It May Concern : I previously sent you a request to Validate my debt NOT Verification of this debt under the Fair Debt Collection Practices Act and I did not receive from you the documents or information that meets the Federal Trade Commissions guidelines of what constitutes proper debt validation. ( see CONSUMER REQUEST FOR DEBT VALIDATION FORM / DATE : XX/XX/XXXX below ) In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
Therefore, if you do not immediately remove this account from my credit reports XXXX, XXXX and XXXX, you are subject to another {$1000.00} fine, plus punitive damages.
I'm 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.
I will follow through with the law suit if you do not remove the reports on my credit with XXXX, XXXX and XXXX within 15 days from the date you receive this letter.
INSERT DATE COLLECTION COMPANY RECEIVED THIS DISPUTE : ___________ ( see DEBT VALIDATION FORM below ) DEBT VALIDATION FORM - DATE : AS OF XX/XX/XXXX Update Re : Collection Company Compliance CONSUMER IS REQUESTING THAT NAMED COLLECTION COMPANY PLEASE ANSWER QUESTIONS AND PROVIDE SUPPORTING DOCUMENTS FOR THE FOLLOWING ; PROVIDED Date/Copy Attached NOT PROVIDED 1 What the money you say I owe is for : NOT PROVIDED 2 Explain and show me how you calculated what you say I owe : NOT PROVIDED 3 Provide me with copies of any papers that show I agreed to pay what you say I owe : NOT PROVIDED 4 Provide a verification or copy of any judgment if applicable : NOT PROVIDED 5 Prove the Statute of Limitations has not expired on this account : NOT PROVIDED 6 Show me the you are licensed to collect in my state : NOT PROVIDED 7 Provide me with your license numbers and Registered Agent or Agent of Service : NOT PROVIDED
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| 01/21/2020 |
Yes |
- Debt collection
- Other 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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HELLO! - I was shocked when I reviewed my credit report today and found an unknown collection account that I was not made aware of. I've had a stellar credit history and this kind of surprised me and I had to do my in-depth research online about how to handle this type of negative accounts on my credit report. To start, I never received any type of notification, and plus, what is this company ( COLLECTOR/EOS CCA )? Why are they allowed to have access to my credit report? Therefore i'm asking for a full investigation and proof of true validation of this debt.
This letter is regarding the account shown above, which you claimed to the credit bureaus ( XXXX, XXXX, and XXXX ) that I owed you {$470.00} and in collection status. This is a formal notice that your claim is disputed.
Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I aggressively request that your company provide me with physical evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's, XXXX, XXXX or XXXX, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any derogatory mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation 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.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the XXXX XXXX XXXX 3. File a complaint with the Consumer Financial Protection Bureau 4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money.
6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy.
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 immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
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| 04/08/2019 |
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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In XX/XX/XXXX, my clients XXXX and XXXX XXXX became aware via their XXXX Credit Report Alert that EOS CCA ( A collection agency ) was reporting a negative collection item on their credit profile.
The XXXX ( s ) immediately contacted my office, their Business Management CPA Firm, asking us to follow-up.
The client informed me that they had already done some preliminary research that included a telephone call to XXXX XXXX ( previously XXXX ). The client was informed by a XXXX XXXX representative that there was in fact an account opened under their previous company XXXX in the name of XXXX XXXX and was able to obtain the account number.
Obtaining the account number was important because the client did previously have a XXXX XXXX account ( XXXX XXXX XXXX XXXX ) that had been paid ( was an auto pay account ) in full and closed.
When the client contacted XXXX XXXX they were initially told that the account was opened in XX/XX/XXXX and was closed by XXXX XXXX last month ( XX/XX/XXXX ) for non-payment. The representative reported to the client that there had never been a payment on the account since it was opened in XX/XX/XXXX. This is very troubling because its uncommon for a monthly utility service who will typically discontinue service and close accounts within a couple of months for non-payment.
Secondly, during this time the client did have an active and valid account with XXXX XXXX which was the account XXXX XXXX XXXX XXXX ( service address XXXX XXXX XXXX XXXX , XXXX XXXX, UT ) previously mentioned above. You would think that if a second account had been opened under the clients name that remained unpaid for 16 years, XXXX XXXX would have contacted the client since they did have his correct information on file from the account that remained in good standing.
Nonetheless, because the valid account was for services related to a partnership venture the client was not 100 % sure that the account was/is fraud. We have checked with all of the bookkeepers involved from XX/XX/XXXX to date and there are no records of the XXXX account or payments being made to that account. And, if the client had ever received the invoice it would have been paid timely first and resolved later. They would not have allowed it to become a negative reporting on their credit profile. Unfortunately, they were not made aware of this erroneous account as they dont live or do business at the service address in question.
Upon the client forwarding their documentation to me to determine what was going on, I called EOS-CCA ( Collection Agency ) with the client on the line who authorized EOS-CCA to work directly with me to resolve the issue to and thru receiving payment from me if it was determined that it was in fact the clients account and responsibility.
EOS-CCA didnt have any detailed information about the account, service address, who set it up, etc. They only had the date of set-up and the balance owed.
Mrs. XXXX ( the client ) called XXXX XXXX several times to no avail at which point I took over calling XXXX XXXX. I engaged in conversation with a representative who told me that the service address for the service provided was XXXX XXXX XXXX XXXX, XXXX, CA. She also confirmed that the service address was also the billing address. When I tried to obtain additional information about the account in terms of who set it up, I was asked to verify the account by answering the security questions.
Because neither my client nor I set-up the account, we couldnt verify the account or answer the security questions.
The representative helped me as much as she could while stressing that I should contact the Dispute Department of XXXX XXXX assuring me that they would be able to provide me additional information and potentially finding resolution to account XXXX originally opened by XXXX.
During the conversation, I was also able to ascertain, contrary to what was initially reported to Mrs. XXXX, that payment had been made on the account from XX/XX/XXXX up until XX/XX/XXXX or XX/XX/XXXX. The representative also told me a final notice was mailed to the XXXX XXXX XXXX XXXX address prior to action being taken. I believe she said before action was taken as opposed to services discontinued.
My client, XXXX XXXX, is fully willing to pay the {$390.00} owed if this is in fact his account and responsibility.
Because Mr. XXXX has no knowledge of the existence of this account and can confirm that he never approved service being opened at the service address reported, he is requesting that the negative credit reporting be removed from his credit profile immediately.
Submitted by XXXX XXXX and XXXX XXXX ( Accountant )
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| 07/13/2019 |
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 had first noticed that there was a debt collection from XXXX XXXX when I was receiving communications with a debt collector. I had recently moved to XXXX Pennsylvania and terminated a position with a construction company that I had personal relations with an owner of it. I had several accounts from the company in my name such as XXXX and had debt collectors calling me regularly for items that the company refused to pay on because I was an authorized purchase agent. I assumed the collections on behalf of XXXX were for this reason although I had never had a XXXX phone or account. After moving to a new area, hours away, and starting to receive the phone calls for debt collection I sought out assistance and was using XXXX XXXX who promised that they had experience with these issues and could have it taken care of. After several months of action with no response from XXXX, I was advised to file for identity theft because the account was identified to be in my personal name and not a company name. I contacted the debt collector which by this time had been sold from XXXX to XXXX XXXX XXXX to EOS-CCA collections companies and explained the situation. When EOS-CCA contacts me they ask me to verify random information regarding my identity before they will acknowledge that they are debt collectors. They provide me with an address I previously resided at and in fear of identity theft occurring again I refuse to provide them with an updated address. They contact me stating " We are contacting you today in regards to a personal matter, I have your address of XXXX XXXX can you confirm your city, state, and zip code. '' They will then ask that I provide them with my name and an email. I have asked them who they are and what they are calling on behalf of and they will respond with " I can not discuss this with you until you confirm your personal information with me '' If I verify the XXXX XXXX address they will then tell me they are a debt collector. Until recently when I have been attempting to collect information for the identity theft claim EOS-CCA has refused to identify themselves and has NEVER informed me that they are contacting me and asking or my information in an attempt to collect the debt until I agree to validate the information they asked for.
I have asked several times why the EOS-CCA is not being reported on my credit report but XXXX XXXX XXXX XXXX MN is, EOS-CCA declines that they were sold the debt by XXXX XXXX XXXX and have always been the debt collector responsible from XXXX and when I have disputed the claims on my credit report I receive notice that " XXXX XXXX XXXX has verified the debt ''.
I filed a report with the FTC, had XXXX XXXX XXXX provide me with a letter showing I have been a customer uninterrupted with them since 2012, and that I had data breaches with my XXXX accounts, work computers that lead to HIPAA violations, and with USPS where my mail was being stolen after being signed up for informed consent, without me knowing. XXXX XXXX claims that the account is non-fraudulent as per their proprietary software that determines fraud due to there being payments made on the accounts. It was offered to XXXX additional evidence that I had to close the XXXX account I had since high school due to my account and routing number being breached and excessive non-authorized charges being made on the account. XXXX refused to accept any of the information provided and stated that the wanted a police report although it would still not guarantee that the account would be removed because they have several factors that prove the account is not fraudulent but refuse to share the information with me. It was explained to XXXX I approached my local Police Department but they refused to accept a police report due to not being the area I lived in where the crime occurred and I approached the other Police Department where I had lived and was referred to my current department, I also live hours away from where the crime occurred. Despite offering ample evidence to XXXX XXXX I was informed by the supervisor of the fraud department that the derogatory remarks will remain on my credit report and that there are no further appeals available beyond this point and that whether I claim it is identity theft or not I am being held liable for the amount owed which was {$830.00} but after being forwarded to the 2nd collections agency is not {$970.00}.
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| 07/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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After 13 years of being a customer, in XXXX 2017, I contacted XXXX to terminate my service for account number XXXX . I had XXXX phone lines and assumed that as primary account holder and there being no separate account number, my termination served for the XXXX line. The XXXX line was not discussed at all during the call. I was not asked about it, nor did I think it necessary to explicitly state that I was terminating that line as well. I later found out that it was not terminated at the same time. I found out when I called to dispute the charge discussed herein.
XXXX
On XXXX XXXX , 2017, I saw that {$460.00} was withdrawn from my checking account by XXXX . I had been signed up for automatic bill payment. I called XXXX the same day to understand why this had happened after having terminated my account. I was informed that the charge was for a signal boost I had obtained during the first few years of service. I explained during that call that 1 ) when I called to terminated my service, I was not notified that I had to return i t 2 ) that I could n't imagine how a device 10-13 years old could still have a value of {$460.00} and 3 ) I likely no longer had the device. After a lengthy conversation and ultimately being transferred to the Customer Care department, I was assured that the {$460.00} would be refunded and that I would not be responsible for the amount. I further understood and agreed that if I were to locate the device, I would return it. I explicitly asked and was assured that should I not be able to locate the device, that per the conversation I had just had, I would not be responsible for the fee. I was assured that was correct. On XXXX XXXX , 2017, the funds were returned to my bank account.
XXXX
On XXXX XXXX , 2017, I received a bill for {$560.00} reflecting the {$460.00} charge and {$100.00} for the amount due for the balance of the billing period that I had maintained the XXXX phone line. The bill also showed that I had been charged and refunded the {$460.00} and charged that amount again. The very next day, XXXX XXXX , 2017, I received a call from XXXX XXXX pre-collection department seeking to secure the entire sum. I told that individual that I am disputing this charge for {$460.00} and about the conversation I had on XX/XX/XXXX , and explained that I was under the impression that I did not owe this amount based on that conversation.
XXXX
Further, in the conversation on XXXX XXXX , 2017, I was provided with this claim number XXXX evidencing the conversation and its resolution ( or so I thought ).
XXXX
On XX/XX/XXXX , I received a Notice of Collection and Placement from EOS CCA concerning the {$460.00}. Needless to say, I am outraged. Today, XXXX XXXX , 2017, I called XXXX to contest this charge and explain what I understood to be the outcome of the call on XXXX XXXX , 2017. I was assured in that conversation that I would not be responsible for the {$460.00}. Yet, here I am dealing with this amount being turned over to a bill collector. And in today 's phone call, after being droppe d 2 time s and now, as I write, having sat on hold for 40 minutes still waiting for a manager to come on the line to discuss this matter, I have been told twice that there is nothing that can be done to remove this amount from my account. I asked to speak to someone with the authority to make a different decision from what I was being told today - and in line with what I had previously been told on XXXX XXXX , 2017. After holding for 40 minutes, I 'm still waiting for that person to come on the line.
XXXX
I do n't understand how I can be told on one date that I would not be responsible for a charge, refunded the amount and then charged it again and turned over to collections. And I do n't understand how XXXX can even attempt to charge customers for items they are not told they have to return and for items that no longer have the value they are attempting to extract from a loyal customer.
XXXX
I am extremely disappointed in how XXXX has handled this matter and want to have the {$460.00} charge removed from my account and the collections process.
XXXX
Still, at 43+ minutes of waiting time, no one has come on the line. This is deplorable customer service.
|
| 01/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Date : XX/XX/XXXX EOS CCA, EOS Group, CCA was renamed EOS CCA in XXXX, eos-cca, eos collection, eos ccs, or eos cca XXXX, eocca collection XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX EOS CCA XXXX XXXX XXXX XXXX, MA XXXX CC : FEDERAL TRADE COMMISSION Federal Trade Commission XXXX XXXX XXXX, XXXX Washington, DC XXXX Telephone : ( XXXX ) XXXX ReportFraud.ftc.gov antitrust@ftc.gov RE : Account # XXXX 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.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/XXXX XXXX XXXX Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for EOS CCA, EOS Group, CCA was renamed EOS CCA in XXXX, eos-cca, eos collection, eos ccs, or eos cca XXXX, eocca collection in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards XXXX XXXX cc Federal Trade Commission
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| 04/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi After signing up for XXXX XXXX to be proactive about improving my credit health- i saw a {$240.00} derogatory mark on my account. There was no information all it said was Collection Agency- {$240.00}. I disputed the debt VIA XXXX XXXX as I questioned its validity as well as where it even came from. My dispute was denied, and I received info that it was a debt from XXXX. After some time, I disputed it again, as I still deny this debt. I was given no opportunity or guidance as to steps to take in regard to inquiring about the possibility of fraud, or any other information about my rights, as I have never used XXXX in my life. XXXX and XXXX are the only telephone/internet/cable services I have ever used. My XXXX credit report shows a debt, in the amount of {$240.00} for XXXX- sold to a collection agency called EOS CCA with the description of Collection Agency/attorney. The debt account shows it was opened in XXXX of XXXX. There is No other information provided- other than the debt originally was from XXXX prior to being passed onto EOS CCA . There is no information about when XXXX claims that an account was opened, no information about what kind of account it was, no reported date of delinquency/default, no information on when this debt was passed over to EOS CCA. The only info is a notation that the account will be removed in XXXX. But again, besides the fact that I have never and will never accept ownership of the account they claim I had, there is no information about the dates or anything of the sort. So a notice of removal from my report in XXXX doesn't mean anything to me because I have no idea when the alleged Date of First Delinquency even occurred. If I base my estimate of a XXXX drop-off date on the 7-year model, that would mean the debt originated in XXXX? I have had XXXX since XXXX of XXXX, and i can provide my addresses for the last 10 years if necessary, all of which have never been linked to XXXX in any way shape or form. Isn't that enough to show that even if there was an alleged debt ( which is not the case- i refuse to accept this debt ) that if they cant link it to anything in the last decade or provide any proof in the last decade of such a debt-should n't it be removed from my report at this point anyway? I have done my best to research how to avoid resetting the clock and other information about my rights and I am still at a loss. Ive made NO contact with this collection agency other than refusal to accept responsibility for the debt, and disputing the its validity, and requesting proof that it ever even existed. The only contact I ever had with XXXX, was calling them to ask for information/proof regarding the account and was told they dont retain those records once its sold to a debt collection agency-and that is the only help/information they provided. From what Ive read, it seems as though this collection agency is violating my rights. How can they not list any proof if DOFD, or any other pertinent information regarding an alleged debt, but be able to just throw it on my credit report and hurt my credit without disclosing any information about where/how it originated, or any dates pertaining to it? Do I have any options here? I feel as though I am being preyed upon and this agency is using deceitful tactics. I am not a lawyer, Im just a human being trying to make an honest living and I am not familiar enough with the laws/regulations to call these people to ask for information as Im concerned with them Using tactics to trick me into accepting ownership of the debt, or saying something that could hurt my case even further. And I dont know enough to be able to say with certainty that they are using illegal practices, but thats what this feels like. Is there anyone who can help me with this? Id appreciate any guidance that you could offer. Thank you XXXX XXXX
|
| 02/01/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Hello A company called EOS CCA which I believe is a collection agency, they never called me to talk to me about a XXXX unpaid bill ( supposedly ), placed a collection agency unpaid debt onto my XXXX credit report as well as on my XXXX credit report. I called XXXX and they were nice enough to remove this collection agency reported debt from my credit report, however XXXX refused to remove this debit from my credit report. This debt is not mine. I am not responsible for {$100.00} supposedly due to XXXX. XXXX was my internet and cable company for over a year between the dates XX/XX/XXXX and XX/XX/XXXX approximately. I decided not to use XXXX any more since their service was lacking quality and they continuously were raising the prices without prior notice, so I moved to another cable and internet provider, not before calling XXXX and asking them to revise their prices and give me a lower monthly bill. I was paying close to {$200.00} a month for basic services, cable, phone and internet and was very expensive for me and my daughter. After I switched to another service provider, XXXX started harassing me with calls about this {$100.00} bill, saying I owe them fees for contract cancellation before term. I never signed a contract with them and I had service for more than a year with them, so my contract was already expired, but since they were upset for me leaving to a cheaper service provider they wanted to hit me with cancellation fees, so I could stay with them. XXXX is a predatory company who is VERY aggressive with their customers and harassing them if you do not wish to continue the service with them. After 3 months of calling me incessantly, I called them back and told them I am not responsible for this balance and they should stop calling me or I will report them to the State Attorney 's office and the Consumer Financial Protection Bureau. The XXXX Customer Service Representative I spoke with on or about XX/XX/XXXX indicated that they would stop the calls and remove this amount from my balance. The calls stopped indeed, however after 3 months, I see that a collection debt from XXXX directly appeared on my credit report ( XXXX ). I called XXXX at that time, in XXXX, and explained the situation, or if I remember correctly I disputed this online and asked them to remove this from my credit report since I was not responsible for this debt. And they removed it back in XXXX.
Now, 2 years later, XXXX sold this debt to this collection agency EOS CCA, who never called me nor did they send any mail to my house attempting to collect this debt, however they went ahead and placed this negative collection on my 2 credit reports, causing my credit scores to go down 24 points. I am in the process of buying a house and qualifying for a mortgage, and needless to say this has caused me a lot of grief with the lender giving me approval for my mortgage.
I have asked XXXX repeatedly to remove this collection item from my credit report however they have denied my request, saying it is against the law and they can only do it at the request of the creditor. However, my question is : Can anyone in this country place a negative collection remark on somebody's credit and negatively influence one 's reputation and credit scores without having any proof that this debt is correct? I would like for someone to take action and look into this and confirm that this debt is not mine and have this negative collection removed from my credit report immediately. This has caused me a lot of grief with my lender in the process of buying a house. My credit scores were excellent ( XXXX ) before this happened and now I am struggling to get approved for a mortgage.
Appreciate your immediate attention to this matter. For any additional information, please do not hesitate to contact me at my email address XXXX XXXX
|
| 07/15/2016 |
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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In XXXX XXXX, I signed an XXXX XXXX customer agreement contracting internet services at my home in XXXX, CA. My conflict began on the day of service installation when the installation technician, XXXX XXXX, suggested installation locations of satellite, equipment, and wiring. His theory seemed to be based on his own distance convenience rather than service quality, or performance. After expressing concern about the equipment installation location, he reluctantly agreed to install the equipment in a more central location of the house I believed would allow for better internet signal throughout the house. On the second day of installation XXXX told me that I would have to buy XXXX XXXX XXXX wireless routers at XXXX XXXX to better route the internet signal. The XXXX XXXX routers costed me {$440.00} plus taxes and XXXX insisted that these routers would work at improving the quality of internet service. From the moment of installation the internet service provided by XXXX XXXX XXXX through XXXX was problematic. The internet service was often weak and less effective than my previous internet service. I took every step I could on my end to try to resolve this service problem and honor the service agreement with XXXX. These steps included repeated phone calls to XXXX customer service to ask for ways to improve internet speed and quality, and to request technician support. I received very little support from customer service and was told that, in order to save internet allowance, I should try to limit my downloads between the hours of XXXX. After months of paying my bill and struggling to use the internet service, out of exasperation, I called the company to cancel my account and have all equipment removed. When I called to cancel my account, customer service offered many promotions, account credits, and free services to keep my business, but after my dissatisfactory service experience I was determined to end business with them. A few days after my cancelation, an XXXX technician, XXXX, came to the house to remove equipment and explained to me that the initial equipment installation had been done incorrectly including incorrect wiring and unnecessary drilling of holes meant for wires. XXXX removed all equipment including satellite and wiring and took it with him. He left behind an equipment piece that he said I would have to return to XXXX by mail in a box provided by XXXX. I saved the equipment piece and waited for the mailing box I had been told would arrive in the mail. After weeks of not hearing anything from XXXX, I called customer service to ask for the return box for the remaining equipment piece. The return box arrived weeks later and it appeared to be the incorrect size for the equipment. Nonetheless, I returned the equipment piece in the box to the address provided. Since my cancellation I have encountered billing issues that include unauthorized charges on credit card, lack of notice on outstanding balance, and debt collection. In XXXX XXXX, XXXX made an unauthorized charge on the credit card they had on file. I disputed the charge with the credit card provider and with XXXX. I then called XXXX customer service to reiterate that my account had been canceled and that I would like them to discontinue charging us for a service we were not receiving. After several more months of not hearing a word from the company, I received a letter from XXXX, XXXX in XXXX XXXX notifying me that my account was suspended due to nonpayment of charges and that I had a past due balance of {$450.00}. XXXX months later, in XXXX XXXX, I received a notice of collection placement stating that we owed a balance of {$1100.00} to XXXX XXXX. I have tried to resolve outstanding balance disputes with XXXX XXXX through several phone calls to XXXX customer service, but I have encountered a lack of response.
|
| 03/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
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My name is XXXX XXXX and I am submitting this complaint on behalf of my father. My father, XXXX XXXX, lives in XXXX, Maine, and I have been trying to help him for almost a year and a half now with a dispute with XXXX XXXX XXXX.
In XXXX of XXXX, after be a customer for 25 years, my father cancelled his account with XXXX XXXX XXXX because it was too expensive. A notice from XXXX XXXX XXXX was sent to him on XX/XX/XXXX, with the disconnection date of XX/XX/XXXX.
My father did all that was asked of him by XXXX XXXX XXXX, in returning the equipment to the company in the time period that was allowed. He was given until XX/XX/XXXX to return the equipment using XXXX, and he packed up the equipment and mailed it at the XXXX store on XXXX XXXX, XXXX, on XX/XX/XXXX. My father later received a bill from XXXX XXXX XXXX for the time period of XXXX ( note contract was ending on XX/XX/XXXX one day before the bill charge period ) for the amount of {$180.00}. My father did not pay the bill, assuming that there was a lapse in information being processed.
On XX/XX/XXXX, He received a collection letter from XXXX XXXX XXXX XXXX for the amount of {$180.00}. He called the collection agency and told them that he had returned the equipment and cancelled his account. He offered to submit copies of his receipts, but was told that there wasnt a physical location he could send the paperwork to.
On XX/XX/XXXX, I contacted XXXX XXXX XXXX, and at this time I was told they were going to put an escalation ticket in and the account would be taken care of.
On XX/XX/XXXX, he received a second collection letter from XXXX XXXX XXXX XXXX XXXX for the amount of {$180.00}. At that time, I was visiting my dad and told him that I would take his paperwork and contact XXXX XXXX XXXX and try to resolve the issue.
My first call to XXXX XXXX XXXX was on XX/XX/XXXX, and at that time I was told that the charge would be removed because of the correction error. On XX/XX/XXXX, I made a follow-up call to make sure this was corrected, it was not. I was again told that it would be taken care of. At this point, I was given a confirmation number, which was a bogus number, as I later found out.
On XX/XX/XXXX, I made my third attempt to confirm that the account was cleared. It was not, but yet again, I was told it would be taken care of and to give it two billing cycles to clear.
On XX/XX/XXXX, I made another call to confirm the account had been cleared. It was not, and again I was told that the account would be taken care of and the charge would be removed.
On XX/XX/XXXX, I made another call to confirm the account had been cleared. I endured this call for hours being transferred and on hold with XXXX XXXX XXXX. This time I was assured that the account would be cleared and I would not have to worry about my father receiving another collection notice. I called a few weeks later to see if it was, in fact, cleared. When I entered the account number, and then the pin, I was told they couldnt find the account ( this was through the automated system ). I was pleasantly surprised and thought, finally it was over.
On XX/XX/XXXX, I received a note from my sister, that my father had again received another collection notice, from a third collection agency. I am at my wits end as to what I can do. Obviously, calling doesnt seem to work. Is there anything you can do to help, anyone that works within the state government that can reach out to XXXX XXXX XXXX on my fathers behalf to address this problem? My father is XXXX years old, and is on a very limited income, which is why he cancelled his account. My siblings and I help him out as much as we can, or as much as he will allow us to. This is one thing that I just can not seem to resolve for him. Any help you can give us would be greatly appreciated.
XXXX XXXX XXXX, VA XXXX
|
| 01/20/2017 |
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 spoke with the EOS CCA representative ( male ) on XXXX ( XXXX ) XXXX on Tuesday XX/XX/2017 ( XXXX ) about my supposed debt to the XXXX Property Tax Department . I advised the rep. that I did n't own one of the vehicles that were listed and that there is an error that I have to discuss with the Tax Department themselves. He said he was notating file to wait before contacting me again, for either me or the City of XXXX to provide resolution if possible. However the next day I receive a frantic call from my mom ( who is battling XXXX ) who asks me why did someone call her asking for XXXX ( I do n't live with my mom-she lives in NY )? She stated that the person ( male ) called from XXXX ( XXXX ) XXXX @ XXXX on XX/XX/2017 and she asked why are they calling her private line regarding XXXX ? She continued to state that he does not live here & since they called her line she demanded to know what that the call was about & where he was calling from. The man just plainly said it was a private matter & hung up. My mother started to assume that this was a prank/scam & the worst. When she called me 5 minutes later, frantically asking me if I had any knowledge of anyone calling me or trying to reach me. She was clearly upset and I explained to her I did not know but to supply me the phone number that called her. Sure enough, it was someone @ EOS CCA so I immediately call them to inquire on why would they not only call but involve someone else about a private & personal matter. They put an unnecessary worry in my mother 's mind when they had no right to contact her. This unnecessary aggressive behavior went way too far to my liking & was what I consider harassment to me & my mom. This was done despite the notes the rep. marked in my file not to contact me until I had called back. When I finally reached a representative ( female ) @ the agency, I tried to explain the contact I had with the day prior & to inquire why did they harass my mother in NY, when clearly the file was noted. The lady ( rep. ) gave me attitude, very disrespectful & sighed repeatedly, talking over me during the conversation. I was appalled, so I asked to be transferred to her manager ( XXXX-female ). After reviewing my complaint, XXXX the told me she too was going to escalate a complaint clearly stating the egregious errors her staff made & apologized for everything that had occurred. She told me that the internal complaint department would quickly find resolution in the matter. She said that the 1st rep. that I had spoke with, notated the incorrect secondary claim instead of the primary claim screen. This caused the second representative to call me ( in which they did not, instead, harassing my mom ). She said that was not proper protocol and could not tell me where the rep would have called my mom instead of me. She advised me to follow up the next day with the complaints dept. at the same time I explained I would see how they handle situation before I proceeded with any further action. When I did follow up with the complaints dept. ( XXXX ) XXXX, it seemed like any resolution to the matter would be handled as an internal matter. I asked if they were willing to provide in writing, a document explaining why they took the actions they did in writing & they refused. I asked if I contacted your agency, would they be forthright with providing your agency the information, and she said they may or may not comply depending on the internal investigation. I feel violated, I also feel that contacting my mother who has nothing to do with my personal matters when she demanded to know why were they calling her was harassment. My mother is not well, I do not involve her in my private matters as she is sick, & like any mother would, worry about her son 's well being.
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
EOS - CCA I am XXXX XXXX, and I am the author of this complaint. No one is representing me for this issue, I just love XXXX XXXX.
Please do not dismiss this, then - as such.
Please let this dispute also serve as a DO NOT CONTACT notice, except for and then where allowed by law.
This complaint is discoverable.
First things first - The DOFD/FACRA date is wholly inaccurate on all reports, I don't have any XXXX account XXXX that went delinquent in XXXX. Additionally - its reported in the XXXX, with different dates.
This complaint shall also serve as a validation of debt, and request to prove you - purchased this debt from someone/thing and as accurate.
I have been in contact with your offices, and have spoken to at least 6 people, and all of them based outside of the US, the latest communication was yesterday.
None are familiar with US compliance issues, and specific to your reporting to a XXXX, or the XXXX 's.
This complaint is specific - and, because the issues are well defined in FCRA and FDCPA.
1. You, EOS - CCA, are a debt collector.
2. You are not a Credit Grantor 3. Legal Descriptive of the difference, can be found here - https : //www.ftc.govXXXX XXXX XXXX ( 803 - Definitions section ) Understanding who you are, then - starting with what you then are governed to do, there are issues.
Because you are a Debt Collector - and as a Data Furnisher to XXXX You are then expected to be in compliance The Data you store in your systems - is expected to be sent in an industry wide file/integration format That Format is XXXX See attached- where this the governance is expressed XXXX XXXX XXXX Reporting Requirements XXXX can only accept data in XXXX XXXX format*. Data providers must send data electronically in XXXX XXXX formatrequires XXXX XXXX for formatting. ( For more information on the XXXX XXXX format, please visit XXXX.
Then - because the XXXX file is specific- you, as a Debt Collector, are then instructed/governed/mandated on which values you can actually send to a XXXX XXXX XXXX XXXX XXXX - Rules, and then Your Data The Debt Collector Section - of the XXXX XXXX XXXX, is attached This section - is dedicated to organization that function as you do every day This complaint has nothing to do with Header/Footer records- unless, this company is falsely self identifying itself as a Credit Grantor There are approx = 18 fields a Debt Collector can send - this does not fields for K segment details You- are sending much, much more - and as if you are a Credit Grantor There are no terms with a Debt Collector You are reporting M No such contract exists with your company You are then reporting this as in collections- with a 120- 150 past due value You are not authorized to create, report or publish such a value You are sending a payment rating - that too is not allowed Payment History - is on your file as well Your tradeline - looks like a Credit Grantors, and as if it is 120 days, late every month, and since you inserted it.
If I am aware of the impact to scoring - you, XXXX XXXX- must know as well.
Please remove this fraudulent entry. The penalties are more than the alleged debt.
DEBT BUYER/THIRD PARTY COLLECTION AGENCY REPORTING GUIDELINES CREDIT REPORTING RESOURCE GUIDE 10-8 17. The following Base Segment fields are not applicable : Cycle Identifier ( Field 6 ) blank fill Credit Limit ( Field 11 ) zero fill Terms Frequency ( Field 14 ) blank fill Scheduled Monthly Payment Amount ( Field 15 ) zero fill Payment Rating ( Field 17B ) blank fill Payment History Profile ( Field 18 ) blank fill Experian Definition of a collection - what it should look like, https : //www.experian.com/blogs/ask-experian/credit-education/report-basics/understanding-your-experian-credit-report/ See attached EX -COLL
|
| 09/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX EOS CCA XXXX XXXX XXXX XXXX, XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
|
| 04/10/2023 |
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 |
|
|
NOTICE AND DEMAND FOR CEASE AND DESIST 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 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 ) - Failure 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.
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 -- ( 1 ) 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 ( 2 ) in the case of an action not described in paragraph ( 1 ), 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 a 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 ( e ) ( 3 ) ] 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 -- ( 1 ) any actual damage sustained by such person as a result of such failure.
( 2 ) ( 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 : Delete this account and cease and desist with all collection activities.
Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
|
| 11/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Beginning in XXXX of 2015 my services with XXXX wireless was discontinued and a balance was due on the account for my mobile services only. My mobile number were ported over to XXXX and through my contract with XXXX they would pay the balance left on my XXXX XXXX account once I received a final itemized statement from XXXX XXXX which document that my services was disconnected. I contacted XXXX over between the months of XXXX to XXXX seeking an itemized statement showing the exact balance due. Beginning in XXXX XXXX sent approximately XXXX different statements with varying balances. When I requested a statement in XXXX XXXX sent me a packet with past bills that have been paid but failed to send m the itemized bills. Also between the months of XXXX and XXXX I spoke with XXXX XXXX about my bill and informed them that I would make small payments to keep my account from going delinquent or into collections until I received my final itemized statement. Instead of sending my statement XXXX sent my account to collections in XXXX. When I contacted the outside collections agency regarding my account they stated that XXXX uses them as a third party collection agency to collect on a debt and then explained that XXXX has charged off the debt. I explained my situation to the customer service representative and she stated that she would cease all collection efforts until further notification. She then reported to me that their agency does not report to the credit bureaus that XXXX does. I contacted XXXX and informed them that I never received my final statement so I can submit payment. They customer service representative referenced a large packet that was sent to me through US mail regarding all my statements with XXXX. I informed her that I only receive a packet with old statements dating back to XXXX 2015, I then made another request for a final itemized statement from XXXX which included the cancellation fees for both the mobile numbers and the tablets. Several weeks have passed and I still have not received the final itemized statement. XXXX XXXX XXXX, 2015 at XXXX I received a notification that XXXX XXXX XXXX a collections account to my credit report. I contacted XXXX XXXX who stated that they had no access to my account and the on XXXX XXXX, 2015 my account had been sold to Collecto Inc at XXXX. The XXXX XXXX customer service representative then confirmed that the final statement was not attached to the last mailed statement and agreed to send me a final bill via US mail again. She stated that it would be sent to me within 10 to 15 business days. Before ending the phone call she stated that once I receive the bill to call XXXX back. I then contacted the collection agency Collecto Inc. who reported to me that XXXX XXXX owns the account still and that they were the agency who reported the collections. Collecto Inc. reported that XXXX mislead me regarding the status of my account and stated that they never bought the account that XXXX still owns the account. They reported that XXXX uses XXXX different collection agencies to collect the balance and when one is not able to collect they continue to cycle the balance until XXXX agency can collect on the balance. Collecto Inc. Then asked me to submit a dispute to them regarding my issues with XXXX and not receiving my bill at Fax number XXXX. They stated that they will submit this information to XXXX. I then contacted the XXXX XXXX XXXX department at XXXX who then informed me that they no longer own the account, They stated that the account has been sold to Collecto Inc. on XXXX XXXX, 2015. They stated that a request to remove the collection notice from my credit reports must come from them.
|
| 12/19/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
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I, XXXX XXXX XXXX have been threatened with a collection enforcement that is illegal. I have completed an extensive investigation into a series of student loans procured on my behalf by XXXX XXXX in XX/XX/XXXX. These loans were never signed off as to be guaranteed payment by The United States Department of Education by me personally. They were procured and only guaranteed by XXXX XXXX, consolidated inro a massive securitized trust closed XX/XX/XXXX under the heading XXXX XXXX XXXX XXXX XXXX ; Issuer XXXX XXXX XXXX, Depositor XXXX XXXX XXXX XXXX, Servicer ; Floating Rate Student Loan-Backed Securities. The essential elements to show proof that XXXX XXXX was not only reimbursed every dollar of my student loans is shown in the attachments I have forwarded as part of my complaints.
It is important to understand that at no time in the student loan process is there an attachment to the U. S. Department of Education. In order of XXXX XXXX to procure loans with XXXX Department of Education guarantees, the U.S. Department of Education would have to register with the Department of State in the Commonwealth of Education.
Without an attachment to federal guarantees, XXXX XXXX, XXXX FUNDS and any collection agency entity can not be attached to ( Public Law 102-164 : 20 U.S.C., 1095a et seq. ) There must be an attachment for any enforcement of collection to the U.S. Department of Education on student loan ownership or guarantees. If the XXXX Department of Education was the guarantor of these loans in question, all that XXXX XXXX would have to do is file a claim with this federal agency and be reimbursed in full. That is not the criteria of this matter, since XXXX XXXX abused the student loan process by consolidating over XXXX XXXX dollars in a securitization governed by the Securities and Exchange Commission. XXXX XXXX was in a position to borrow over XXXX XXXX dollars through the Federal Reserve with the aforementioned trust.
The collection threat of a wage withholding by EOS CCA, a collection agency that is now the XXXX such agency to claim a position in this matter. The EOS CCA has no position to withhold wages against XXXX XXXX legally. There is no connection to a federal department on guarantee such as the U.S. Department of Education. There is only one remedy on collection in the Commonwealth of Pennsylvania, and that is by lawsuit by summary judgment. That four year timeline has expired in XX/XX/XXXX, and it can not be retracted. Neither XXXX XXXX, which is also XXXX XXXX disguising itself by name to give the illusion that it is tied to the U.S. Department of Education, and it uses XXXX as well, nor EOS CCA have any legal position to threated an unenforceable collection process.
The collection process can not be set in a U.S. Department of Education guarantee status to enforce a collection in Pennsylvania. I have a pending federal lawsuit that will be filed XX/XX/XXXX, and EOS CCA will be listed as a defendant. The originator of my student loans is running its own scam with the American citizens, raising XXXX dollars at extremely low interest rate loans, and a securitized trust can not be attached to any government agency such as the U.S. Department of Education. The American public must be aware of this type of ruse being enforced against them through disguised collection agencies giving the impression that a federal agency is part of it.
XXXX XXXX is actually XXXX XXXX, which validates that the U.S. Department of Education is not a guarantor of any loans procured between myself and XXXX XXXX in XX/XX/XXXX. The only remedy for XXXX XXXX was by a lawsuit for judgment, and that timeline has lapsed.
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| 08/16/2022 |
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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I am writing this letter voluntarily and of my own free will. I've discovered that my credit reports include errors, and the FCRA statute requires that they be checked by real people rather than computer programs. Speaking with people I know will serve as verification, as secondary credit reporting organizations ' information is frequently wrong. As the source of this material, I demand that it be deleted right away.
1. Offer proof of the debt, such as real accounting.
2. A signed invoice serving as proof of their claim against you.
XXXX. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery.
This letter is to inform you that the below referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information.
I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts?
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner.
Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary EOS CCA 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) 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.
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| 12/11/2020 |
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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On XXXX, XXXX, XXXX I sent a letter ( via certified mail ) to the following third party debt collection agency. One had also been sent previously ( on XX/XX/XXXX ).
Dear EOS CCA I initially received a bill from you on XX/XX/XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I requested that you allow me to validate the alleged debt. Per your communication, there is a debt from XXXX XXXX.
On XX/XX/XXXX, I sent a debt validation request via United States Postal Service Certified Mail, requesting validation.
On XX/XX/XXXX, I received a letter from EOS CCA referencing an account number. That letter appears to be a duplicate of the correspondence received in XXXX of this year. While this letter contains service dates, it does not provide information regarding the types of services rendered. Please also be informed that I have never been a patient of XXXX XXXX.
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party.
I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical services provided. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA.
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.
I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Sincerely, XXXX XXXX *I had never received the debt validation within 30 days ( as requested ). On XX/XX/XXXX, while awaiting on a call from a company with whom I conduct business, I noticed a missed call in my call log. I dialed that number ( believing it to be from the company I had been waiting to speak with ).
The company responsible for the missed call was EOS-CCA. The representative who answered my call, asked that I Identity myself ( which I did ). They also asked that I confirm my date of birth and last 4 digits of my social security number. I DID NOT. I asked the representative to send whatever communication/validation via U.S. mail. The representative did not affirm my request, but rather stated that they had already sent me communication via mail.
The representative then began to speak specifically to the medical procedures associated with that alleged debt and informed me that the dates of service was XXXX, XXXX, XXXX. Afterward, the representative suggested various means by which this debt could be paid.
I did NOT acknowledge this debt as having been mine, nor did I confirm/validate my DOB or social security number.
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| 05/03/2017 |
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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Be advised, this 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 XXXX major credit bureaus ( XXXX , XXXX , XXXX XXXX ) , this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent fo r EOS CCA in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
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| 12/07/2015 |
Yes |
- Debt collection
- Federal student loan
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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I am contacting you regarding my student loans. I am receiving documentation from multiple companies regarding the same loans and receiving numerous other telephone calls from many different organizations " collecting '' the exact same loans. I have my student loan with XXXX/XXXX who is still attempting to collect the same loan they have EOS CCA and XXXX seeking. I have no clue who I need to deal with. For starters, this loan was in an approved forbearance and has been for a while and I was unaware it was removed for a year! No reason given they just did. I also have my parental plus loans for my son with the Department of Education/XXXX. I have tried to work with the debt collectors to make some sort of payment and no one would help, they refused. I do not understand what all is going on and I need to know who I should be dealing with. I just filed bankruptcy and still can not cover bills. I need to maintain a roof over my head as I am trying to financially get my life back together following a divorce that took what little I had to my name and the recession. I now have been served notice of garnishment! This is out of control and should never, ever have gotten to this point. I have always wanted to pay something but I can not give what I do not have and over $ 350 month on XXXX loan is completely not possible. Now, this garnishment will cause me to lose my apartment. I can not cover all the bills, insurance and XXXX sons ' college and multiple student loans at high interest and high monthly payments at the same time. There is no help, no one who will look at the issues going on here and the collection practices have got to change. I have been bullied because I can not pay and if someone would have worked with me/assisted me I would not be where I am. Now, my credit is ruined due to divorce and the wrongful garnishment and collection attempts of student loans. The collection tactics of these companies have got to change. They do not work with people, call endlessly and hang up leaving no messages. I do however receive calls from other numbers not associated with EOS CCA or XXXX XXXX. I am more than willing to work this out and need the matter corrected appropriately without any garnishment. This is all so much and it is confusing. Please, the interest on student loans must come down and at least allow people the ability pay. I want to but can not make the outrageous monthly payments being sought 9 %! This should not even be allowed. My loan was originally {$14000.00} and now is over {$40000.00}. How can people who earn under XXXX gross a year live and ever expect to reduce or pay that off? Truly, these collection tactics have to be looked by our government and help American students graduate, earn money to pay student loans at reasonable interest rates. XXXX XXXX demeans people, threaten jail or taking property. They grant forbearance and then take them out with no explanation to the borrower. It 's simply not fair and I know I am not alone in this position. I am a borrower willing to pay on the loans, but it has to be fair and affordable. I do not deserve to be treated so poorly. It is a waste of time and money to pursue collections and force borrowers into default because they " can '' or simply refuse to work with you. There are many things that happen to people in life that are not on taxes or XXXX and absolutely need consideration when evaluating economic hardships. Thank you so much for your help and inquiry these underhanded collection practices of EOS CCA, XXXX XXXX and XXXX.
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| 01/19/2019 |
Yes |
- Debt collection
- Credit card 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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At about XXXX pacific time I recieved a call from a very rude lady stating she is from EOS CCA. She stated she was at work and they are busy because she called me with a scam likely number. No number was generated. I asked for her number and she gave me ( XXXX ) XXXX. I checked online that number appears to be a scam. So i asked her why arent you answering my phone call if you guys are still working at midnight? She answered back stating thats because they are busy which made non sense at all. I TOLD HER I NEVER OPENED ANY LINES OF SERVICE WITH XXXX NOR HAVE I HAD ANY SERVICES WITH XXXX. She mention that i have a outstanding bill from XXXX in the amount about XXXX. Let me start by saying i dont owe XXXX any money nor do i owe EOS CCA money because i have been a victim of identity theft therefore i am not liable for any XXXX charges. With that being said she sounded very fraudulant. Im almost certain she was from overseas ( XXXX ) however she said that she is from MA. If this account is showing that i owe money to XXXX this must be removed because i owe XXXX {$0.00}. I have been victimized by identity theft and i have also filed a police report. Not only is EOS CCA disturbing my peace by calling me at XXXX but they are also stating i owe XXXX money when i dont. Not only These spam calls at XXXX better stop but you collection efforts must stop because i owe {$0.00} to EOS CCA and i owe {$0.00} to XXXX because there was identity theft done under my name. When i go to XXXX no where does the XXXX number come up. The only number that comes up is tel : ( XXXX ) XXXX. Its very fishy to me because i asked her are you working now and she answered saying yes we are i said so why is it that when i call XXXX ( she gave me that number saying thats our contact number ) it says you guys are closed she said thats because we are busy. That makes no sense at all. EOS CCA is creating false and fraud numbers to contact innocent people and state that we owe money when we dont. If this was so legit why dont you guys call during normal business hours instead of disturbing ones peace by calling at XXXX at night ( XXXX ) Est time. They are located in MA therefore its almost midnight at there time. Which collection agency is open at that time? Once again you guys better stop harrasing me and disturbing my peace by calling me and telling me that i owe money to XXXX and EOS when i dont. EOS CCA will be reported for trying to collect fraudulant debt that I dont owe. Along with that she also mentioned whats your address. I told her you should have the address. Bottom line EOS CCA is a fraud company trying to steal peoples money by claiming people like I owe them money or owe a company like XXXX money when we dont. When i told her give me a minute ( I wanted to call the number she provided to me to see if its a legit number ) she hung up the phone. Before hanging up she wanted my home address when if this debt was a valid debt when its not then she should have had all my information including my home address. She wanted my home address so she can send a fraud packet. I said send me the fraud packet i will fill the fraud packet out and send it back. She never sent it because she hung up after i told her that you should have my home address. FOR THE FIFTH AND FINAL TIME I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I WILL ATTACH A FULL FILE COPY OF A POLICE REPORT.
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| 03/09/2022 |
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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This collection agency is furnishing an alleged debt that is on my consumer report XXXX The collection EOS CCA has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy.
I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with EOS CCA or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof.
Notice, it is a fact, affiant alleges in accordance with 28 U.S. Code 3002 ( 1 ) ( B ) EOS CCA is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 U.S.Code 8 on behalf of the United States and otherwise would have no rights to collect.
This company has committed aggravated identity theft 18 usc 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
( 2 ) Terrorism offense.
Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.
The company has violated the following laws under XXXX XXXX 1692k. Each violation is {$1000.00} - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number twice {$2000.00} - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business 3 times {$3000.00} - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. 4 times {$4000.00}
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| 08/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This letter is being sent to you in response to a notice sent to me. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : 1. What the money you say I owe is for ; 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account 7. Show me that you are licensed to collect in my state 7. Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Equifax, Experian or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character 4. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 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. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
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| 12/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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|
Web |
Servicemember |
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I was contacted by EOS USA at XXXX XXXX EDT for an alleged XXXX account Bill. On the first call, I did not catch the females name. She attempted to verify right party contact, but provided me with the verification information instead releasing XXXX XXXX XXXX. I asked where she was calling from and what her company business was. She said she couldnt continue call but told me calling from Texas for a personal and private business matter. I asked for a supervisor or Manager, but She eventually hung up on me. I called the same number back XXXX as it was a New Jersey area code. I spoke with XXXX, he would not give me any further details on his position at that company such as extension or representative id #. I thought that was odd as XXXX is a common name. I Asked if all calls were recorded, he said yes. Asked where his company was from -Texas XXXX He attempted to verify right party contact. He, similar to the prior representative again gave me XXXX XXXX XXXX, I said XXXX NJ, didnt know zip code, as prior address. He advised me there that this was a communication from a debt collector, but failed to tell me any information he obtained would be used for that purpose. Without telling me what the debt was for, or how much I owed, he proceeded to threaten me with collection efforts, saying its a fact there will be collection efforts trying to persuade me on paying a bill I have in the past disputed. I proceeded to ask what those efforts were and asked if I would be arrested? He responded it is up to XXXX. I advised him he was threatening me and he denied it and eventually hung up on me after once again asking for a supervisor or manager. He said he cant get in contact with them and to try later and gave me contact # XXXX. I reiterated, they originally contacted me, I would like to speak to a supervisor and wouldnt mind waiting. He hung up on me. I called the new contact number, same business for a 3rd time immediately asking for a supervisor or manager to rectify prior conversations. Spoke with XXXX and she said non available again. I told her I would verify information so we can continue call and see what this is about. She again did not go through right party procedure properly, realeasing both prior address XXXX XXXX XXXX, and this time releasing the last four digits social security number. I said yes to both address and ssn, as she gave both to me and anyone can say yes, and I wanted to know why are they calling me at XXXX XXXX and not giving me information on why they were calling until finally XXXX gave me the entire mini XXXX. This made me wonder why this company gave out my last 4 ssn to someone who just said yea they lived at XXXX XXXX XXXX She did correct me and say can call until XXXX, I said she may be accurate on that. I explained in both calls with XXXX and XXXX that they ( and first representative ) did violate the FDCPA in being deceitful and abusive by threatening me. I proceeded to ask XXXX if this is something XXXX would like to hear about? She proceeded to hang up on me.
In all three calls I asked for a supervisor. In all three calls, they released my information. XXXX harassed and threatened me. XXXX defended it.
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| 04/25/2020 |
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 |
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My phone line was ported in early XX/XX/2020 from XXXX to the XXXX XXXX XXXX for the line with phone number XXXX XXXX. My account with XXXX was required to be in good-standing BEFORE XXXX allowed this number to be ported out.
I was required to obtain a release PIN by contacting a XXXX representative over the phone in order to port out. In speaking with that representative I was asked why it was I was choosing to port and whether or not I was satisfied with the service I received from XXXX. I explained that I was porting my phone line, but that I was satisfied with my XXXX data plan for the tablet line. The representative gave me the required PIN and my phone line was ported. XXXX has continued to charge me for services rendered on a phone line that does not have a phone number attached to it. The phone line should have been terminated upon port.
It should be understood that the date of the collection notice is XX/XX/2020, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specific in that I am not to leave my home for reasons other than obtaining groceries or prescription medications. Consequentially, I am unable to dispute any alleged collection notices in writing by mail during the COVID-19 crisis/epidemic. That is, outside of the CFPB I have no ability to exercise my Right of Notice and Opportunity to Be heard that I am afforded as a part of my rights of Due Process.
EOS CCA lists itself with a mailing address in the Commonwealth of Massachusetts. On XX/XX/2020 that state 's Attorney General filed regulations with that state 's Secretary of State prohibiting creditors from debt collection that requires individuals to leave their homes. The specific regulation is 940 CMR 35.00 and took effect immediately, and is effective for ninety ( 90 ) days from date of filing, or until the state of emergency within MA is over. The regulation prohibits debt collectors from methods of debt collection that can require people to leave their homes or have in-person contact. Disputing the debt, which is within my rights, requires me to leave my residence to mail a dispute to EOS CCA and request verification and validation of the alleged debt. Thus, by simply sending the debt collection notice with date XX/XX/2020, EOS CCA employed debt collection processes that would compel me to leave my home to exercise my right of Due Process. As such, EOS is using tactics that are in violation of 940 CMR 35.00, and that require me to disobey my State 's travel restrictions.
Overall, it is wholly unconscionable that ANY debt holder/firm would seek to collect on a debt when over ninety ( 90 ) percent of the United States population is subject to mobility restrictions because of the pandemic. Furthermore, it is wholly unconscionable that a firm would continue to operate when their state 's executive regulations and/or orders bar them from conducting certain courses of business.
|
| 05/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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On or about XX/XX/XXXX, an agent from your firm contacted the consumer in the evening from a spoofed local area code. The spoofed number was ( XXXX ) XXXX and your firms principal location of business is in Massachusetts. The number should not have an Oregon area code ; it may be an 800/collect call area code. The FCC strictly prohibits spoofing the caller ID of any phone call regardless of business or personal use excluding certain state or other public sector entities. The number for your firm as posted on your website is ( XXXX ) XXXX. After a quick search, I am unable to find entity named XXXX registered with the secretary of state for the state of Oregon. Typical scam callers use a technique called neighborhood spoofing where they use a VoIP system that routes the call with a spoofed caller ID of the area where the receiving party resides to increase the chance of the recipient picking up the phone. This is a clear red flag.
Second, on or about XX/XX/XXXX during the same call, the agent failed to disclose the standard disclaimer that this was collections call as required by the FDCPA. The agent did not give an acceptable response from I raised the point. My instinct kicked in regarding the fact that this may be a scam. I terminated the call and made a return call attempt approximately 1 hour later after calling XXXX. XXXX was able to verify that an account was made for the address but that it was canceled with no past due balance. When I called the spoofed caller ID number, I got an instant connection to an agent and therefore was not warned that the call may be recorded or to select a language and or be given a voice greeting indicating the name of the firm. Most scam call centers instantly connect the collar to an agent instead of going through an IVR or interactive voice response menu tree. So therefore, this raised another red flag.
The alleged debt is regarding an account for DSL internet service between the consumer and XXXX. In or around 2017, a technician was scheduled to connect service to apartment XXXX in the XXXX XXXX apartment complex. I was at the time a XXXX for XXXX and understand that most ISPs charge a modem rental fee to lease the equipment that connects the customer premise to the network of the ISP. Prior to scheduling an installation for service, I purchased a suitable DSL gateway that was listed on the compatibility list for XXXX. The first service tech was unable to tone the line from the apartment to the telco demarc. I got permission from the property management to run a Cat5e gigabit cable to the telco demarc because the tech was not able to run a wire without permission. A second install tech was dispatched to the same address and was able to tone my line to apartment XXXX but was unable to tone the direct bury line to the street pedestal. As a result, I called to cancel services and called again after receiving a first bill. The XXXX agent said I did not need to worry about any unpaid balance because the service was never hooked up.
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| 11/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To Whom It May Concern : I recently pulled my credit report and noticed that you are still reporting this debt on my credit report. I have disputed this debt with the credit bureaus, and all three have verified that this is a good debt.
I recently sent you ( XXXX ) A Notice of Direct Dispute, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file.
You failed to address the inaccuracies and Instead I was sent another collection notice from EOS CCA on your behalf asking for monies.
I Validation/ correction request was Sent via XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Ive requested validation for this account before, and have never received it. To remind you, validation consists of : Complete payment history, the requirement of which has been established via XXXX vs. XXXX Itemized account of the debt, as established by XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XX/XX/XXXX ) Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Your company has violated the following laws : 1. FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
2. FCRA 15 U.S.C. 1681b you did not have a permissible purpose for pulling my credit report. Under this section, you need to have a legitimate business need which is defined as the extension of credit, employment or insurance purposes. I also did not authorize pulling of my credit report.
3. 15 U.S.C. 1681s-2 falsely reporting information to the credit bureaus.
The listed items are entirely inaccurate and incomplete, and represent a very serious error in your reporting. I am maintaining a careful record of my communications with you and the credit bureaus for the purpose of filing a complaint with the FTC, the state attorney generals office, the Better Business Bureau, and of course ammunition in my upcoming lawsuit against you.
This is the final request for debt validation before I file a lawsuit against your company under the provisions of the Fair Debt Collection Practices Act. You may wish to consult with a competent legal advisor before your next communication with me. Your failure to satisfy this request in accordance with the legal principals of estoppel will be constructed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.
Best Regards, XXXX XXXX XXXX
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| 07/12/2022 |
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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XXXX. Provide validation of the debt, that is, the actual accounting.
XXXX. Verification of their claim against you, that is, a signed Invoice.
XXXX. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information.
I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts?
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner.
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) 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.
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| 11/15/2021 |
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 am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case for the unknown account reported as EOS account number XXXX. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
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| 04/29/2020 |
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 complaint is based on violations of the FDCPA and the FCRA by EOS CCA ( EOS ).
___ On XX/XX/XXXX, I reviewed my credit reports and saw a collection account reported by EOS regarding a phone bill. I only just discovered the account from my credit report. EOS 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 EOS by certified mail.
XXXX EOS did not respond to my letter and did not validate the debt.
XXXX In my letter, I gave EOS 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 account with the credit bureaus.
___ On XX/XX/XXXX and XX/XX/XXXX, the credit bureaus sent me the results of the re-investigations. EOS failed to cease collection of the debt because they falsely verified the unverified debt to the credit bureaus.
___ Also according to federal court decisions, the failure of EOS 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 the credit bureaus. 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 ).
XXXX Based on the aforementioned facts, EOS 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 the credit reporting agencies.
XXXX DAMAGES : I was denied credit due to the unverified collection account that EOS wrongfully verified to the credit bureaus.
XXXX 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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| 04/15/2019 |
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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2014 I signed up for XXXX XXXX XXXX using a hot spot tablet. Worked with a salesperson named XXXX XXXX @ XXXX, XXXX XXXX XXXX, XXXX, VA XXXX office. Wonderful to work with until there was a problem. Account was sold as unlimited access but there would be charges if you went over 10 GB so XXXX XXXX sold me in that she would set up my tablet so it would not allow me to ever exceed the max data allowed, so that I would not incur additional charges. Pleased with that, knowing I would not exceed a fixed monthly amount, I proceeded with the service. Next thing I know, I am receiving a large bill from XXXX in the mail. I call, they said I exceeded data, I said oh no, and please shut this thing off now until this is resolved. They didn't. Next thing I know I'm receiving a bill in excess of {$1500.00}. I call back, said I told you to discontinue these services and they finally shut down the account, but with no resolution on fees, just making sure it was closed so I incurred no more charges, but for resolution they told me I had to contact the local store that gave me their word the account was set up to not go over maximum allowable usage before costing me more. No one could ever prove that I did or how I did go over the limit that was to be set up on my account. They said they couldn't prove it, and that was just the balance and my obligation. I literally spent hours over months chasing down managers at both local and regional levels, explaining myself over and over, some phone calls returned, some not, and never any resolution. Now I continue to receive collection notices for 3 times the original and incorrect amount, impacting my credit, due to deceitful practices and inept employees and I need closure. XXXX is big and they don't care on any level about the consumer. They're only worried about their sales goals and bonuses. XXXX needs to adjust this bill and stand by their word and whatever comes from their employees as well, or train them better. XXXX is notorious for this type of thing I have learned, and these tactics, and that should not be acceptable or allowed. The consumer is the victim and at their complete mercy. XXXX needs to keep their word and deliver what they sell. Average consumers like myself don't understand all this high tech. Make them explain it. Make them accountable, too, it shouldn't all be on the consumers. Maybe it's time this industry has disclosures and notices like some of the others, make your major purchase clear and concise, particularly the part about how it can quickly ruin your financial picture with your affiliation with them. They should do more educating than selling. I already have a full time job and can't afford to continue chasing this problem, nor should I have to pay an attorney to be involved. I appreciate your time and assistance with this problem. Thank you.
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| 04/14/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
Servicemember |
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I am a single mom and XXXX vet, on fixed income due to my packet being in appeals at VA. Years ago, I signed up for a phone at XXXX , it was horrid and I had to give them back three phones that didn't work properly. I went to XXXX, AR spoke to the lady working at XXXX, paid my balance in full, and told her I was done, going to XXXX XXXX and sick of them sending me jacked up phones. Then a few months ago I decide to dig into my credit report cause I want to use my VA Loan, and XXXX was charging me {$700.00} that I didn't know about, disputed it, and now it is {$280.00} and has to be paid in full, in which, I am a single mom and on fixed income, have severe XXXX health issues and lost my job in XX/XX/XXXX, and was told by VA I am XXXX, and my packet is in appeals. I am a XXXX veteran, and after I got back from XXXX I hated myself for the pain I had caused others and went down hill, and ended up divorced and in bankruptcy, been trying to pull myself up over the last five years and now see XXXX wanting money, and they are the ones who sent the jacked up phone, and I told them to turn the phone off. I just feel like companies need to recognize that vets come back from XXXX and some of us go through a lot of XXXX and XXXX XXXX, and should be respected and understood, helped and not fined for not wanting to do business with XXXX. Personally, I don't feel I owe them XXXX, and was just wondering if you could help, and if I need to pay I have to do it in payments, and XXXX is bogus. It just XXXX me off that people put their hand on their heart and think that is honoring a veteran, but when we come back XXXX XXXX in our head, not the same, and gone through XXXX, we should be supported by our country in all ways. maybe I am an XXXX, I don't know .... I just feel, they are XXXX me over, and I closed that XXXX account and it was paid in full, this is on them and not me, and they are trying to charge me. They should of turned the phone off as asked, and the lady at XXXX who I spoke with was using a XXXX XXXX phone and totally agreed I should go do that. So all this is a surprise, and I am upset and can not afford to toss out {$280.00} for a greedy XXXX company who only cares about material gain, and not the person. Anyhow, rant over, please help if you can ... XX/XX/XXXX is when I received the very FIRST letter ever from them, and had XXXX dispute it first, then they went to XXXX. Whatever it is, I need it completely off my report, and if I can get it forgiven that would be kind of you, and I honestly just don't have {$280.00}, and a single mom to XXXX kiddos and on fixed income waiting for benefits to come through. Thank you so much ... They never did any action to let me know anything, and never called asking me, I just saw it months ago cause I am trying to ensure my credit is where I can use my VA loan.
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| 11/05/2021 |
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 am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer. CFPB Complaint ExampleTOP
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| 11/05/2021 |
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 am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
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| 10/27/2021 |
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 writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collection company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they wrote me before. .If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX.I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an Fdcpa lawyer.
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| 10/07/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have checked my consumer credit reports and it appears that an account from EOS CCA has appeared on my credit report for an alleged amount of {$990.00}. I am asking for full proof of accounting and documents that show the accuracy of this reporting. : I am asking you to provide proof of me having a contractual relationship with your company and that I am liable for this alleged obligation. I would be happy to enter any agreements with you on the following conditions on everything set forth in this complaint. I can send this information certified mail with a return receipt and include an affidavit of truth notarized, signed under Penalty of Perjury, as well. Pursuant to 15 USC 1681b ( 2 ), no accounts should be reported without the WRITTEN PERMISSION OF THE CONSUMER. THE ONLY ADDRESS THAT SHOULD BE LISTED IS XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. NO OTHER ADDRESS SHOULD BE LISTED ON MY CONSUMER CREDIT FILE. THE NEXT NOTICE WILL BE SENT CERTFIED TO ENSURE YOUR PROMPT RESPONSE IF THERE IS NONE TO THIS DOCUMENT. I am requesting that EOS CCA substantiate the claims made there under for XXXX XXXX in order to properly verify its summary and/or claim. The following claims made thereof can be substantiated by submitting the following pieces of information and/or instruments of indebtedness. 1. Proof of the existence of an alleged account and/or contract in the actual flesh and blood name of for XXXX XXXX duly signed and witnessed by both parties and both seals, not a unilateral agreement and upon which signed page there is reference to the entire agreement. 2. Proof of claim that the agency listed for the claim is the current holder of the original note above mentioned alleged debt instrument and that it is not been on-sold to another party. 3. A true certified copy of the actual accounting whereby bank essay has incurred a loss of the alleged debt with accordance to the General Accepted Accounting Principles ( GAAP ). 4. A True Bill inked in blue with Bill and value marked upon it's face and not a statement for any amount of money allegedly owing or owed to bank essay by for XXXX XXXX that conforms to the Bills of Exchange Act and the Trust and Loans Company Act and has not been endorsed by a federal agency with pursuant to the Financial Administration Act and the Bank Act. 5. Proof of claim that there is any lawful money in circulation in the involuntary bankruptcy of United States backed by anything of value*. In addition to the above, the credit reporting agency is portraying itself as a credit bureau, when according to federal law, the only bureau is the Consumer Financial Protection Bureau. That is a false and misleading representation. Violations through 15 USC 1681 and 15 USC 1692, with consumer liability under 15 USC 1681n and 15 USC 1692k.
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| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I canceled my XXXX service in XXXX of XXXX. They indicated to me that it would take several weeks for the final bill to be issued. Finally, in XX/XX/XXXX, they issued a billing which included {$250.00} of past-due charges and adding {$240.00} for equipment. However, I was not issued boxes or instructions for returning the equipment. Finally, through a series of frustrating phone calls in the following months, I was provided with information to return the equipment. I have a copy of this return receipt dated XX/XX/XXXX.
Despite returning the equipment, no adjustments were made to the bill. Therefore, I paid {$110.00} on XX/XX/XXXX, as this was the amount that XXXX indicated to me was needed to reconcile and finalize the account.
However, this continued to linger. They indicated to me on the phone that it will take a minimum of 45 days for them to update their billing system from the returned equipment. Based on my follow-up calls to XXXX, I confirmed on XX/XX/XXXX, with XXXX at XXXX that the bill had been adjusted, and the balance was now $ XXXX. However, when I requested a paper copy of that, he said that he could not send that out. In addition, he said it was against company policy to provide last names, and they do not have ID numbers for reference of the conversation.
Beginning XX/XX/XXXX, XXXX, a debt collector, began sending me collection attempts for this erroneous billing. These continued with phone calls, sometimes several times a week. I continued to indicate to them that this was an erroneous bill and indicated that if it was not, they need to demonstrate the line item cost behind the phantom bill and show the adjustment of the returned equipment. Finally, they stopped calling, and they removed it from my credit bureau. Then in XX/XX/XXXX, XXXX XXXX began calling me with the same abusive tactics. I spent 10+ more hours describing everything to them and reconciling what the corrected amount should be. The representative 's name was XXXX XXXX. She said she would call me back in two weeks, which did not happen. When I returned the call to XXXX XXXX, they claimed they had no record of the conversation and that their agents can not issue return the calls. Several weeks later, the collection was removed from my credit bureau.
Last month a 3rd collection agency ( EOS CCA ) began calling me on the same issue. I have mailed out the copies of the payment I made for {$110.00} and highlighted the erroneous charge of {$240.00}. However, this still does not explain why XXXX indicated to me on XX/XX/XXXX, that I had paid everything ( with the return ) in full. When I request that they update their records and show line items of the amount due, they sent a copy of the erroneous bill as of XX/XX/XXXX, with no adjustments/corrections.
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| 11/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Today is XX/XX/XXXX and I am responding to communication from EOS CCA. Per response from this company, it was stated that this account was received on XX/XX/XXXX. XXXX well aware that I have a right to dispute any alleged debt that a collection agencies receives in 30 days with a notice of collection. So that means I should have received a letter from EOS CCA around XX/XX/XXXX. Please provide me with proof of this letter that was sent that I NEVER received. The address of this bill is an address that I have never lived at in my life.Lastly a bill, or statement is not validation. Anyone can furnish a document as such. Where is an original agreement with my wet signature with XXXX agreeing to open this account. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor XXXX. I have received a response that does not indicate or prove I approved this credit transaction with my social and ID. I was provided billing statement. Anyone can furnish billing statements. 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 ( XXXX ) 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. ( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). ( XXXX ) 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. I am proceeding with legal action as prescribed by law against EOS CCA Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely
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| 03/10/2020 |
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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I received a Notice of Collection Placement letter from EOS CCA on XX/XX/XXXX. The original creditor was listed as XXXX for {$40.00}. I have received no bill from XXXX at any point before this, and I have a wireless account from them that is in good standing. I called the number for the Consumer Relations Department for EOS listed on the back on the notice. This was XX/XX/XXXX at approximately XXXX XXXX.
I was connected to an associate who I believe said her name was XXXX. She asked for the account number listed and I gave it to her. She then asked if she was speaking to XXXX Something of a city in Pennsylvania. I said she was not. I am in no way related to this person. She then read me the last three digits of this person 's social security number, which seemed strange, and I said again that that wasn't me. She then apologized, and asked if she was speaking to [ my name ]. I said she was.
XXXX then asked for some personal information ( I don't remember what it was ), but I said I was uncomfortable sharing that based on what had just happened. She said she understood and apologized again. She used the word " actually '' often throughout the call in a way that seemed strange.
I asked for information on this debt, she said the company it was from and the amount. She mentioned the date of the service for the charge -- it was a service provided over two years ago that I had worked out payment for with XXXX itself at the time, and I have not received a single bill from XXXX since then. I have no reason to believe I owe them any money. XXXX then told me unprompted that someone else she knew had that issue and they called XXXX but they were referred back to EOS, the collection agency. I asked if there was documentation of the charge and she said, yes, XXXX had supplied the documents. I asked to see them. She said she could send them to my email. I said I also wanted to know how to open a dispute. She didn't answer and asked if I would be closing the account today. I asked if closing the account meant paying the charge, and she said yes. I said I wanted to see the documents from XXXX because I did not think I owed any amount. She then said she could email me documents and asked me to hold on a moment so she could arrange the documents -- I could hear typing in the background for a number of seconds, then the phone cut off.
This was extremely alarming behavior for a debt that I believe I do not owe. I'd like to find out if I do, in fact, owe anything, how I can see those alleged documents from XXXX and how I can dispute this debt if necessary -- but I now feel extremely uncomfortable going through the collector, EOS CCA, and I suspect the debt is not real. Thank you for any help you can offer.
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| 04/16/2015 |
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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in XXXX of 2013 I was signed up for my first cell phone in my name by a member of an XXXX Kiosk team. He explained to me that I had a certain amount of data to use each month and as long as I kept my wifi on I would have no problem staying within my monthly limit. During the first month of service my " Data used '' was at XXXX every time that I checked it, which happened to be once a day and sometimes XXXX. I was a little worried that it was n't updating correctly but I let it run it 's course for another week or so. During that week I began to receive texts from XXXX saying that I was over my monthly limit for data and I would be charged an extra 20 dollars for each Gig of data I used. I was extremely upset since I had been doing my best to check my data usage every day. I gave XXXX a call and the representative let me know that I could manually turn off my data by going into my XXXX app and she would credit me for the 20 dollars that i would be charged. I did this as soon as I was off the phone with her. Within 20 minutes of turning off my data I received XXXX more texts saying I would be charged {$20.00} for extra usage. I was extremely scared since this was my first phone under my name and I did not want any blemishes on my record. I immediently called back and let them know that even though I turned off my data both on my network and on my phone and was strictly running off wifi that I was being charged for data that I was not using. The next rep. I spoke with told me it was an issue with my phone and I would need to bring it into the store to have it checked out and my bill fixed. I asked if there was anything they could do to stop the data from being charged and they said no, not over the phone. When I went into the store to seek help from a store rep. they promptly sat me down and put me on phone with the number I had called previously. I was being told by the store that I would need to speak with the phone reps. and I was being told by the phone reps that I would need to pay the 2000 dollar bill in full and that they had no records of me ever previously calling and letting them know about the situation.
Throughout the whole process I contacted XXXX about XXXX times via the phone and went into the store XXXX. They have absolutely no record of me calling and I ca n't get any help from them resolving my issue. I do not believe that I should be harassed and discredited for something that I tried very hard to get corrected in a timely manner. Unfortunately, I do not have any supporting documents as all my bills from them have the " used '' data attached and each say I owe over XXXX each for XXXX month of service for a single line. XXXX also has no record of my XXXX calls.
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| 07/29/2022 |
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 |
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In XX/XX/XXXX, I ended my service with XXXX XXXX and paid my final bill through XXXX XXXX. I am attaching bank statements and a clearance letter from XXXX XXXX on behalf of XXXX that I had no balance with them as of XX/XX/XXXX. I have not been a XXXX customer since then.
In XX/XX/XXXX, two years later, a company named EOS CCA opened a collection account on me for what they said was a debt to XXXX- the same exact debt that had been paid years prior.
I reached out to EOS on multiple occasions, and even showed the proof I paid. The only solution they gave me was to pay this debt a second time.
I then reached out to XXXX, and after some research they realized a huge mistake had been made - that there was not a debt I owed. One of the executive employees suggested in a general sense that there was a communication error between departments.
Since reaching out to XXXX 's executive office, they have tried tirelessly to get EOS CCA to either delete this incorrect negative mark, or to sell back the account to XXXX so that XXXX can do right by me. EOS CCA refuses to comply with them. I have communications with XXXX 's executive office stating such, and I even have an email from XXXX XXXX, EVP of XXXX, stating that he requested this collection account be deleted on XX/XX/XXXX. It still has not though, and I believe this is of no fault on XXXX 's part. I truly believe they have exhausted all resources in an effort to get EOS CCA to make this right. XXXX XXXX suggested I work directly with both XXXX and XXXX, because since he does not own the account, he can not delete it from my credit report himself.
I did just that last week- I filed an online dispute with both XXXX and XXXX. Within 24 hours of me submitting all of my documentation, XXXX notified me the account was deleted from my credit report. This tells me my documentation was significant. However, when I attached the same documentation on to my XXXX dispute, XXXX called the debt valid and would not delete it. When I called to inquire, and spoke to a supervisor, I was told that XXXX 's policy is to only contact the owner of the account, which is EOS, and EOS said the debt was valid. Considering they have received official notifications from XXXX that this debt is wrong, I'm shocked that they could even lie to an official credit bureau.
I am asking that you please help me stop EOS from inaccurately reporting on my XXXX report, and continuing to destroy my credit. I have incurred financial expenses at this point due to the high interest rates I keep receiving as a result of this collection. In addition, my fianc and I are forced to rent rather than buy after recently selling our homes because of this blemish on my report.
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| 12/08/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well.
The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA.
In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices.
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX City residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX City Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX City and XXXX both require licenses and that the license number be disclosed on all communications with consumers.
XXXX, NY XXXX required.
" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
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| 10/16/2020 |
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
- Problem with personal statement of dispute
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Web |
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I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws.
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 these companies : 1 ) XXXX XXXX ( XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) EOS CCA ( XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies.
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported
within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.
Consent Decree Order, Section II.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
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| 02/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Starting back in XXXX, a debt collection company that goes by the name XXXX XXXX XXXX EOS XXXX, and XXXX XXXX XXXX XXXX XXXX has been continually mailing me letters claiming I owe them {$810.00} and XXXX is the original creditor. Its come to my attention that this debt was XXXX in my Chapter XXXX Bankruptcy back in early XX/XX/XXXX. And that is public information through XXXX. Plus Ive also written to this company on a couple occasions in the past and also just recently explaining to them that this debt was XXXX in bankruptcy back in XXXX. This is a clear violation of Title 11 U.S. Code 524 ( a ) ( 2 ). They have ignored and disregarded this information every time Ive told them and they still continue to insist that I owe them this money. In XXXX of XXXX I even had one representative from their customer relations department, via a phone call, say to me she didnt care about the bankruptcy that all she cared about was collecting money from me for this debt. On XX/XX/XXXX they openly admitted to you CFPB that the XXXX statements that they are in possession of are dated XX/XX/XXXX & XX/XX/XXXX, which shows they were aware this debt was XXXX in my XX/XX/XXXX bankruptcy.
And in addition to all of that they are currently paying to report negative derogatory information on all 3 of my major credit bureau files. Which is in violation of the FCRA which states that while an item is being investigated the debt collector MUST indicate that the account is under dispute and must remove/cease from reporting any information on the item. Again they completely disregard this as well.
Public records show across the entire US show that XXXX XXXX XXXX EOS XXXX XXXX XXXX XXXX XXXX XXXX continually violate the laws set forth regulating their practices in multiple lawsuits filed against them, many of which have been found in favor of the consumer. And theyve already been the defendant in class action suites as well. And yet they still remain in business to continue on with their unfair illegal collection practices. Obviously money paid out for law suites against them does nothing to make them change their practices so to be within the law.
I sincerely appreciate the helping with the matter. But ultimately what really needs to take place is someone / some agency looking into all the complaints and lawsuits against them as a whole big picture of the company and stopping them from continually being able to break the law and hurt many consumers. Its not fair to all of us consumers that they essentially get away with deceptive, hurtful, illegal practices with no more than a financial slap on the wrist.
|
| 05/15/2018 |
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 |
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I had XXXX contact me by mail via a debt collector, about a debt from XX/XX/XXXX, back in XX/XX/XXXX. I refused to pay the debt because I do not owe it. XXXX bill you a month ahead of time. So the last bill that they send you is the bill for the following month. so they resulted to dealing with it through a debt collector. The previous debt collector kept sending me bills in XX/XX/XXXX.That debt collector was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX XXXX. I disregarded them since I didn't owe the debt. I didn't here anything for a year or so. then on XX/XX/XXXX of this month I received a notice on my account with XXXX XXXX service I have with XXXX that XXXX requested to close the consumer account on my credit record. Then I started receiving phone calls and bills from a debt collector. The name of the company is named EOS CCA, XXXX. XXXX XXXX, XXXX, MA XXXX. I informed them that I didn't owed the bill and I wasn't paying it. So on XX/XX/XXXX the file a report with the credit agency XXXX. I'm not sure whether thy filed with the other credit bureaus. But anyway the reason for my complaint is that this company is ruining my credit record by filing the report every week. They file the same report for the same bill, three times in three weeks. They filed the same debt on my credit record on the dates of, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of this year, XX/XX/XXXX. They also informed me that they are going to continue to file this same report on my credit record every week until the bill is paid. Which will means that my credit will ultimately be ruined, over a bill I don't owe. I don't now what else to do!!! Is this legal? Are they allowed to do this? What can I do? Please help!!! Can they do this, file the same bill more than once on my credit report? Below is attachment of the credit record : Credit Report Alerts XXXX Credit Report SSN Scanning ID Theft Insurance ALERT TYPE COMPANY BUREAU DATE New collection EOS CCA XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} New collection EOS CCA XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} New collection EOS CCA XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} Updated tradeline XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX Account closed at consumers request $ USD XXXX
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| 02/20/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I underwent an XXXX, prior to XXXX. This was paid to XXXX XXXX XXXX. Due to overpayment, I received to checks from XXXX XXXX. However, they continued to send statements. I do not understand why I would received overpayment checks if money was owed to them. In addition, I attempted to pay online, and there is no balance owing. I received letter from EOS CCA collection office on XXXX/XXXX/2016. Here is copy of my letter to them. I also have submitted check to them, dated XXXX/XXXX/2016.
EOS CCA XXXX. XXXX XXXX XXXX, MA XXXX To whom it may concern : I am writing this letter and submitting check to you under duress. This ongoing dispute with XXXX XXXX is way beyond a joke. Why am I submitting check? I am disgusted with their inability to operate their financial system, and then to pass account to collection agency.
This copay was submitted online. I then received XXXX checks from XXXX XXXX re overpayment ; now there 's a thing. Unfortunately, I did not document, as I did not have a crystal ball, and did not realize I would have to deal with people that should not be in finance positions. I continued Type to enter text to receive letters re the amount of {$46.00}.
My wife contacted XXXX XXXX and advised them of this, per last statement XXXX ; payment was due XXXX. Unfortunately, she did not request name of XXXX XXXX representative. My wife advised lady that she would immediately make another payment online. Guess what? No balance due!!!! Go figure. She attempted several times with, I may add, the correct information ... No balance due!!!! No balance due!!!! I certainly could not understand this. It probably was due to the fact that NO BALANCE DUE!!!!! Surprise, surprise, I received a collection notice. Of course, I am incensed at the stupidity of all concerned.
My wife contacted XXXX XXXX AGAIN yesterday, XXXX XXXX. She spoke in depth with XXXX from billing department. Conclusion? XXXX suggested calling another number, as she could not provide any pertinent information ... .or she knew nothing. To say my wife was frustrated is an understatement.
On to your letter, which states one can pay online. Guess what? You have a technical issue and would not allow online payment ... I have never in my life been so utterly frustrated and angry and shall be forwarding this letter to FTC with official complaint. Let 's face it, why on earth would XXXX XXXX send me XXXX overpayment checks, yet not apply to what they say was owed to them? To reiterate, I am paying this check to stop everyone harassing me. Crazy is not the word!!!! This is wrong, wrong, wrong, wrong!!!!!!!
Sincerely,
|
| 12/29/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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HI EOS CCA ; This account is reporting against provisions of fcra, and it continues to report incomplete and misleading information and therefore, its an unverifiable account. 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.
|
| 08/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX, XXXX sent me a bill for {$880.00} that was not even displayed under my account. I immediately contacted XXXX and let them know of the discrepancy, but they insisted that somehow the {$880.00} was my debt despite the account number not belonging to me. The " debt '' displayed my name and address but the account number was different. I continued to receive statements for this account number and continued to call, trying to get to the bottom of this matter. In XX/XX/XXXX, I received another letter from XXXX stating that whatever balance that was in the mystery account had been transferred to my father from my step mother back into XX/XX/XXXX. As I have the title of XXXX, this was when I realized that the debt was possibly my fathers, as our first and last names are the same, and XXXX somehow missed the small differences in our names ( middle names and title ) thereby mixing up our account billing addresses and assigning the debt to me. In a follow up letter, from XXXX XXXX a XXXX executive member of the Relations team ( contact number XXXX ), they recognized their error and issued an apology for all inconveniences and provided me with a name and number to contact for a follow up or to address any questions : XXXX XXXX at XXXX x XXXX. When I continued to received calls and bills, for the account number that had just been identified as my fathers, claiming that the debt was mine and continuing to charge me for the same debt - an issue I thought had been resolved - I proceeded to contact XXXX at the number provided. But it was to no avail as I never heard from XXXX or any other XXXX representative despite my many attempts and many voicemails.
Present day we are in XX/XX/XXXX, and every month I am still receiving calls and statements from collection Agencies regarding this same debt for the account that has already been identified as not mine!!!! I am a very busy person and I have no extra time as it is, especially to be fooling around with these kinds of issues that have taken YEARS so far to resolve. This particular matter is especially disruptive to my personal life because two months ago I needed to acquire a loan for a new vehicle and it was then that I realized that my credit is totally destroyed from what it had been. Thus, this has gone too far and I am now taking the time to write this out because this has to stop. Trying to talk to XXXX clearly did not work, and hasn't for the past six years!!! I am asking you please to intercede in this matter because clearly XXXX has no interest addressing this issue with me alone.
Thank you.
|
| 06/03/2020 |
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 |
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On XX/XX/2020, I contact EOS-CCA regarding a XXXX bill that been placed with them for collections. I advised them when I went in for service the XXXX rep started 5 accounts without my consent.
Further, I advised them I contacted XXXX corporate that day and reported the fraud. Subsequently, I have spoken with an attorney who has affirmed I have a case against XXXX XXXX and am in the process of filing litigation against them now.
I contacted EOS-CCA because while I could end up profiting greatly from this, I wanted to avoid litigation and decided to propose a settlement offer of {$150.00} and I would then agree to waive my rights to file suit against XXXX XXXX for an issue they are clearly liable for.
Instead of taking my proposal to their client, an " XXXX '' who was completely aggressive and confrontational refused to ( and a copy of the audio recording I made of the call is attached XXXX to corroborate this.
I have spoken with an attorney that has conferred by denying to act as the " agent '' that has a duty under " agency relationships '' the collector " XXXX '' decided to act out of her own emotion and nefarious intents instead. Subsequently, this constitutes tortious interference with a business relationship and I have been advised by my attorney that because suits based on agency relationships do not fall under the purview of the Fair Debt Collections Act and are based on agency law instead that I do have a claim of action. In addition to damages for violation of the FDCPA, violation of The Brady Decision, the Intentional Infliction of Emotional Distress, as well as punitive damages.
I wanted to advise the CFPB of this because this is an example of the worst kind of collection practices that merit an audit by federal regulator officials into the conduct of this agency.
I am pursuing a lawsuit against EOS-CCA currently.
It's important to note, that EOS-CCA 's actions not only are a violation of collections law and agency relationship. They are directly responsible for preventing their client from exercising their legal rights in civil suits to mitigate their damages.
Further, I would contend they have a duty under a civil-action theory to attempt to prevent their client from getting sued ( which they learned about during the dispute in the phone call but intentionally blocked from being presented to their client regardless of the validity of the legal claim held by me against their client, while in the same breath telling me I can not call their client because they represent them. What a bunch of XXXX XXXX XXXX XXXX. )
|
| 08/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
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**I attempted to add the last four of my SSN for the company to pull my file but, I kept getting an error and it would not allow me to add that information. I am not sure what all information you may need from me so, if more information is needed regarding this situation please email me at, XXXXXXXXXXXX. ** EOS/CCA keeps adding a debt to my name that is not mine and I have previously disputed and removed it from my credit but, they keep forcing it back to my credit causing me problems. A friend XXXX XXXX moved into my apartment in or around XXXX of XXXX and I disconnected my service with XXXX XXXX for my friend to transfer their service ( also with XXXX XXXX ) to my address. Prior to disconnecting the service it must be paid in full so, I paid my bill and cancelled my account. I later opened a new account after my friend moved out and I still currently am a customer with XXXX XXXX on that account so, I obviously was and still am in good standing. In XX/XX/XXXX I saw this collection on my account for {$120.00} from this collection company stating it was an unpaid balance from XXXX XXXX. I asked XXXX XXXX about this and they said they did not know what it was, that I was in good standing, and that I could not have opened a new account if I owed them money so, I disputed with the credit bureau and had it removed. I thought the issue was finally resolved. Now, onXX/XX/XXXX almost a year later, it showed back up on my credit report from EOS/CCA for the same amount and that they are representing XXXX XXXX but, I do not owe any money to XXXX XXXX. My account is in good standing, my previous account was paid in full, and I have not missed or been late on a payment but, this collection company insists I pay them money I do not owe and do not know where it came from. Basically to recap, this company keeps adding this collection account to my credit and ruining my credit. My account with XXXX XXXX was paid in full and closed. When I decided to get cable services again, I opened a new account with XXXX XXXX. When this collection showed up on my credit I asked them how if I owed them money could I open a new account with them to which they replied that, I could n't open an account with them if I owed them money because they run your credit, your social security number, and cross reference their own system every time you start an account with them. If I had owed them any money I would not have been able to open a new account. So, to conclude, I feel like this company is trying to take advantage of me and is holding my credit hostage for a false debt.
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| 11/06/2017 |
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 XXXX my husband and I moved to another country to do volunteer work. Before leaving we paid off XXXX for our cell phone bill, had our devices unlocked for use in the other country, and closed our account.
During our time away we had no problems and since returning to the States in XXXX we chose to use a different cellular phone provider which cost less money. We had never received a notice or phone call claiming any debt owed with XXXX or anyone claiming to represent XXXX ( as a debt collector ) related to a debt. We also have had no adverse action on our credit report from XXXX or any other agency claiming a debt owed to XXXX.
In XXXX XXXX we suddenly had a claim of debt from a company called EOS/CCA who represent XXXX in debt collection. They did not contact us via mail or phone to inform us of this supposed debt, but instead just started reporting and thus adversely affecting my husband 's credit scores.
I contacted EOS/CCA directly about this fraudulent reporting on my husband 's credit report. They tried to fool me into believing we had the burden of providing proof the debt did not belong to us. Knowing my rights I flatly denied the made up charge from XXXX and demanded proof from them. I have also lodged a complaint with the BBB against EOS CCA and XXXX. I further lodged a complaint with the FCC against XXXX who has continued to remain silent on the matter.
EOS/CCA claims to have documentation ( not provided to us ) that we owe XXXX money for a period between XXXX XXXX and XXXX XXXX ; though as previously stated we closed our account in XXXX. Furthermore there is no action taken from XXXX or any other creditor on their behalf related to those dates or any earlier dates on our credit reports.
So far, as I 've said, XXXX has remained silent. But on the EOS/CCA website they prominently display an award they received from XXXX for their " excellent recoveries of secondary tier placements and for ease of doing business '' due to their " positive return in all four markets ( West, Midwest, Northeast, and South ) for percentage of placements to percentage of collections. '' I have contacted a specific lawyer about the matter who has made it their aim to bring EOS/CCA to justice and have in fact successfully brought many cases against this firm to a positive outcome. However, to me, it would seem this is something which should be brought to public awareness because it appears either XXXX and/or EOS/CCA is playing a numbers game ( percentage of placements to percentage of collections ) at the expense of innocent consumers.
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| 05/20/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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This complaint is regarding : EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Phone Number : XXXX Website : http : //www.eos-cca.com/ I was reached by telephone on XX/XX/2019 in regards to a legitimate debt that I was unaware of at the time for approximate sum of {$2000.00}. The debt collector explained to me that he's collecting a debt, etc ...
I asked the representative multiple times if this currently, or will, reflect on my credit report. He explained clearly that it will not as long as a payment plan or payment was received.
I told the collector that I was willing to pay the debt in full to prevent any damage to my credit, however, if I could set up a payment schedule of {$500.00} per month, I would prefer it ; again on the terms that it will not reflect on my credit report. He explained clearly again that it will not reflect on my credit report. I agreed to the plan and have been paying by the terms since.
On XX/XX/2019 I received multiple credit alerts that there was a derogatory collection account posted from EOS CCA originating from XX/XX/2019 for the sum of {$1500.00}. This was explicitly a violation of the terms and agreement that the debt collector explained to me. In addition, the first payment of {$500.00} was not posted until the next day of origination ( the XXXX, during the call ), so the balance shown in collections was already post-payment ( not the original {$2000.00} balance and which also shows an invalid date of XX/XX/XXXX, not the XXXX ) which shows that the debt collector issued this credit hold after explaining the terms of the payment plan and setting the agreement that this would not be reflected on my credit report.
After calling EOS CCA on 3 separate occasions on XX/XX/2019, they initially found no record of a conversation with a previous representative, but acknowledged the fact that a payment plan was in place and that there must've been contact. They also explained that there should have been no agreement with the representative and that they would never strike a deal to " not '' inform the credit bureaus. They explained that they would review the tapes and that I was supposed to call back within 48 hours to speak with a manager.
EOS CCA misrepresented, misinformed and mishandled me and my information. Without transparency and releasing of the tapes they have on file of my conversation that set the agreement with their representative, I am at the mercy of EOS CCA and their managers, despite of holding my end of the agreement up, giving them the chance to further mishandle and manipulate me.
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| 12/23/2019 |
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 complaint is based on violations of the FDCPA and the FCRA by the Respondent.
___ XXXX XX/XX/XXXX, I reviewed my credit reports and saw a collection account by the respondent. 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.
___ XXXX XX/XX/XXXX, I disputed the debt directly with the respondent in writing. In my letter, I requested 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 and address of the creditor, or the amount owed.
___ XXXX XX/XX/XXXX, 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.
___ At the end of XXXX of XXXX, I received the results of the investigations 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 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 certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they have continued collection 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.
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| 11/24/2017 |
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 had a {$36.00} balance in collections with EOS CCA from a XXXX XXXX XXXX account. First, I did not start receiving bills until XX/XX/XXXX when I lived in Texas and after several communications with EOS, it turned out that this was from an old Ohio address from XX/XX/XXXX. And at that point, I had spoken to XXXX XXXX in Texas and it was confirmed that we had a {$0.00} balance so I had thought this was taken care of. We were never notified that this was from Ohio. I then tried to dispute the {$36.00} with the credit bureau which was then unresolved. When working with a mortgage lender, I found that this account is impacting my credit score by more than 20 points. Finally on XX/XX/XXXX I called EOS and paid the {$36.00}. I now currently have a $ XXXX/closed account with EOS and XXXX XXXX. When speaking with EOS, I asked them that since the account was closed and paid in full and it is impacting my credit score so significantly, if they would delete the account from my credit report. They refused. I spoke with managers and associates more than 4 times in the past 3 weeks trying to resolve this because it is such a small account and there was so much confusion. I was never notified of the important details of this account from EOS, thus I do not feel that it should reflect on my credit report. If the {$36.00} was valid, I could have paid it years ago. I then spoke with XXXX XXXX directly on XX/XX/XXXX via Chat and via phone. This was the date that XXXX XXXX informed me the account was from XX/XX/XXXX. On this day, a woman from XXXX XXXX submitted a ticket to EOS asking them personally to remove the account from credit because she agreed that for this little balance, it needed to be removed all together. Then on XX/XX/XXXX, I called to check in on the ticket and was told by a gentleman that the ticket just asked for a {$0.00} balance when she has specifically agreed to submit a " Deletion '' request. So this gentleman then submitted a " Deletion '' request. He apologized as well, also agreed this was ridiculous and said he would do everything he could to help with EOS. After submitting THIS ticket ( I have this ticket number he provided to me ), I called EOS back. I asked EOS to review the XXXX XXXX ticket to get this deleted and they refused to even look at it and said " we do not delete and your account is closed ''. Bottom line, I am trying to get housing for my family and this {$36.00}, although paid in full, has been an ongoing issue that I really need help with getting resolved. Thank you for your time and assistance.
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| 01/20/2022 |
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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Hey XXXX ; EOS CCA : Happy XXXX XXXX I'm demanding a true validation on this alleged account. Im confused and stressed and 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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| 03/14/2018 |
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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Had an account with XXXX XXXX radio since I bought my car, sometime in XXXX or thereabouts. Car came with XXXX subscription for free, when the time came I continued the service and paid for it. Each year the subscription renews, I had difficulty renewing and getting the account setup correctly in both of my cars. In XXXX when the time came to renew my car, I renewed/paid online. A few weeks later my car XXXX service in my car shut off. I called and found that they applied the payment to my mother in laws car ( which was on my account for a time being ), I explained that we had canceled that cars service about a year prior and had no intention of renewing that service, that my payment online was for my cars renewal, the bill that came was for my car and that was what I was trying to renew. They said they'd fix it ( something happens every year when the service renews, calling them is at minimum an hour call and the customer service is terrible, they make you feel like your in the Twilight Zone ), the next day my car service was still not corrected, so I called back. This time I called and cancelled the service for both of my cars that were on the account. After an hour and a half of telling them no thanks/please cancel, they finally did so. They said that I had a refund coming from the payment I had made online, it was not the full amount of the payment I made and they couldn't tell me why. At that point, I waited for my refund check and called it done with XXXX ( I thought ). A few months later, they send me a bill for about {$97.00}. I reluctantly called them back again to find out why they are billing me when I don't have the service any longer. An hour into the call, they finally tell me that I was on a 2 year contract and this bill is for the renewal. I explained that I never signed up for a two year contract and that I had cancelled the service months prior and that they sent me a refund of money I was owed so we could end the relationship. The customer service people I spoke to weren't going to do anything about it and that I owed the money. I tried speaking with a supervisor but didn't get anywhere with it. Now I have received a collections notice for the {$97.00} asking me how I'd like to pay. Number 1, I don't feel like I owe them this money for service I don't have nor want. I cancelled the account and they sent me a refund of what I was owed, now they want to force me to renew the service and sent me to collections. I need some help getting the collection removed from my credit report please!!
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| 01/12/2018 |
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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On XX/XX/XXXX, I spoke with a EOS representative over the phone and agreed to pay {$340.00} to settle the debt. I inquired and was advised that the account would be updated and removed from all credit agencies that same day, however, it could take up to 30 days for all credit bureaus to update on their end. I received a letter via email which instructed me to pay {$340.00} on that day. I made the payment by credit card and did not think about this again. Approximately a month or so later, I checked my credit report, and noticed the account was still listed- however it stated " closed, settled less than full. I disputed this with the credit bureaus and was advised that the company had informed them that the account would continue to be listed until XX/XX/XXXX. Then I reviewed my credit card statement and noticed that I was charged more than the {$340.00} that was stated in the settlement letter. I was charged {$340.00}. In an effort to resolve this, I contacted the business by telephone at the end of XX/XX/XXXX and was advised that the additional amount charged was for using a credit card ( please note that I had no other choice but to pay with a card as I had to make a payment that day ). Furthermore, they claimed that the credit bureaus had been updated and disconnected the phone. On XX/XX/XXXX, I submitted in writing an extensive letter, again to correct this situation. I sent the letter via certified mail and requested that they contact me via certified mail ( for verification purposes in the event the matter goes to court ). In the letter I explained the situation and requested that they fix this. To this day, I have never received any response from the business. On XX/XX/XXXX, I submitted a complaint via the Better Business Bureau. I provided evidence regarding my allegations, however was unsuccessful. Please note, no evidence was provided by the business. On XX/XX/XXXX, BBB closed interest in the case as the business was not amenable to any changes. Please be advised that this business has reported my last name incorrectly to the credit bureaus. I have attempted to correct this with the company, to no avail. I am requesting that the business immediately remove all accounts from all credit reporting bureaus immediately and update my name with the credit bureaus. Please be advised that I have been denied a mortgage loan due to illegal practices by this business. I am requesting this company be investigated immediately and held accountable for their actions, so that other consumers are not targeted.
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| 06/24/2019 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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This complaint is for a debt collector company name " EOS '' Around XXXX I attended XXXX University graduate XXXX, and now XXXX the school long been close for fraudulent activities but ever since late XXXX my mother been receiving robocalls from EOS company, they are stating that she has cosign for me when I attended that Fraudulent school " XXXX University/XXXX '' back in XXXX when supposedly the lawn were so-called taking for the amount of {$4000.00} which now become {$5000.00}!!! Who had long shut their doors for lawsuits against them for misleading people by attending they're so-called UNIVERSITY.
I was unaware of these robocalls to my mother! Today after answering one of the EOS Operative impersonating to be a lawyer, and a debt collector. Who stated that if I Am XXXX XXXX which I reply Yes, and give my new address which I just move in with my wife about last month on XX/XX/XXXX to be exact! Then I tried to complied with him and he was being very rude too. Then that trouble my mind so I call them again to tried to get some more info from them but this time a lady pick up! They even tried to say that they have spoke to me on several occasion which I have no knowledge off because after I contact my mother! She indeed told me shes tired of these people tried collect a lawn that we don't even remember taking from that XXXX school! But again it's " XXXXXXXX '' affiliates! They even mention to me they have repurchase the lawn from another lender after 12 years! To tried collect the debt that is in collection ... it's company like that! That make this generation believed in that new " College is a Scam '' movement. Because of robo calls and malpractices on they're way of going and tried to accused people and kept them in bondaged that they knew not or debt that have may have been long expired. Please I will like for CFPB to assist me on this matter.
I and my mother truly don't know about that lawn she have cosign on my behalf 12 years ago. The company tell me over the phone that! I'm in collection which not true! And if I am they may have reported that XXXX so-called debt of there's today XX/XX/XXXX after pick up they're anonymous call. I know nothing of that Private School lawn that XXXX may have misused my information without my consent! Honestly don't know All I know is that I have school lawn with " XXXX XXXX '' Now become XXXX! And been making my payments etc ... Truly I wasn't aware of that so-called private till to day.
So Please CFPB I need help resolving this.
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| 02/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Hi EOS CCA ; XXXX XXXX; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX 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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| 06/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi, Im confused and XXXX and 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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| 03/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Im confused and stressed and 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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| 11/01/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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EOSCCA Collection Company has continually send correspondence to my home address requesting payment for a debt that is claimed to be owed to XXXX. I am UNAWARE of this company and I DO NOT OWE XXXX any debt. In XXXX, I CLOSED out an account with XXXX by paying the FULL balance and returning all of its equipment and DO NOT OWE a debt to XXXX. I have contacted XXXX in regards to this matter and was told I needed to speak with EOSCCA Collection Company because they brought the debt and they NO longer have any information pertaining to this debt. This information is totally INCORRECT and I have made several attempts to resolve this issue with EOSCCA Collection Company who stated that there is nothing that they can do. I DO NOT OWE A DEBT to EOSCCA Collection Company OR XXXX. When I requested a copy of the account, I received an OLD XXXX XXXX dated XX/XX/XXXX from EOSCCA Collection Company showing the final payment of {$310.00} that I made to XXXX and then the payment was reversed. It also shows {$650.00} in Equipment that I RETURNED to XXXX and {$67.00} in fees and surcharges that I do not owe. The total amount was listed at {$1000.00}, which is INCORRECT. In addition, this company has placed a COLLECTION ACCOUNT on my credit file for listing the amount owed {$1100.00}. It also indicated that this account was OPEN on XX/XX/XXXX. I did NOT conduct any financial transaction with this company on or about XX/XX/XXXX. My account with XXXX was CLOSED in good standings 4 years ago with a {$0.00} balance. When I contacted XXXX, the company was NOT able to provide me with a final statement or any information stating that I owe any money.
I have NEVER conducted any financial transaction with this company nor have I ever signed any legal obligation to pay this company any money. This company DO NOT have the legal right to collect any money from me.
I DO NOT OWE A DEBT to EOSCCA Collection Company OR XXXX.
I DO NOT have any other Collection Accounts on my credit report and this company is impacting my credit rating tremendously and damaging my credit along with trying to collect a debt that I DO NOT OWE.
I AM REQUESTING THAT THIS DEBT BE REMOVED FROM MY CREDIT FILE AND NO ADDITIONAL ATTEMPTS TO COLLECT A DEBT THAT IS INCORRECT BE SENT TO ME REQUESTING MONEY THAT IS NOT OWED.
I am respectfully requesting that you please review and take appropriate action. Thank you in advance for your attention to this matter. Ill await your
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| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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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 America Bar Association and Professional Liability Fund for code of ethics violations.
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| 08/31/2020 |
Yes |
- Debt collection
- Credit card 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 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 America Bar Association and Professional Liability Fund for code of ethics violations.
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| 10/10/2020 |
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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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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| 10/23/2020 |
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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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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| 10/15/2020 |
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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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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| 08/20/2020 |
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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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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| 12/06/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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On about late XXXX or early XXXX, I requested internet service from XXXX XXXX, the original creditor name.
They didn't mention any possible problems in giving me service and in-turn made me feel confident that they could provide a good service.
At this point they came out to my home and installed a small dish. After finishing the installation, the installer said, there you go, it's up and running. Turned out, their service wasn't working.
Within that first day, after the installer left my home, I reported to XXXX XXXX, I was having a connection problem.
They swiftly sent a repairman to my home the following day.
After checking my system, the repairman told me the problem was with their tower and it would be fixed immediately.
About the third day, I reported still having a connection problem.
Again they sent out a repairman. This new repairman said the area-sender was having problems. He stated that XXXX XXXX was working on the trouble as we speak.
The following day I reported having no service again. They got snooty and said their working on it.
A good week and a half later, having no service, I called XXXX XXXX and requested a manager. I asked him to cancel my service, and he said no problem.
Then about a week later, a XXXX XXXX representative called me and said I owe {$120.00}.
I told them the account was closed due to non service. She said I would have to pay {$120.00} for their service, before the account could be closed.
XXXX XXXX called me periodically over the next several months, asking for payment. Numerous times they indicated the account was still open.
Even though they could not provide internet service to my home, they would not close my account or delete the {$120.00} charge.
I told them I never got service, but the XXXX XXXX reps, were adamant about my paying XXXX XXXX {$120.00}, even though they were unable to provide me service.
Following all this back and forth, EOS Cca collection service came into the picture. They have called me a number of times requesting payment. I have repeatedly told them I never got service.
They keep telling me the account is still open and I must pay.
Ever since closing the XXXX XXXX account ( regardless that they did not close it ), with-in a day, I have been with XXXX
XXXX came out to my house, installed my service, and have provided me great internet connection with no problems at any time right from start.
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| 12/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Older American |
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My wife is a XXXX immigrant with permanent legal status, but limited XXXX language skills. Upon moving her small business in XXXX of XXXX she contacted XXXX XXXX for phone and internet services. For sometime she received reasonable bills in the amount of {$50.00} or so per month. Then suddenly, the amount of the bills more than doubled. By that time we had met and married and, as her husband, I made contact with XXXX to inquire.
I was told that she had contracted for an offer which included discounts which had run out. I found that she supposedly agreed to a business plan with high speed enhanced internet service. Much more than a XXXX person sewing and alteration shop would ever need. I requested that the agreement be cancelled and was told that she would be billed for the discounts and she began to be dunned for amounts over {$1000.00} and up to nearly {$1700.00}.
When she moved the business again and sought phone and internet service from another provider, XXXX XXXX blocked the transfer of her business phone number. Working with the Illinois XXXX XXXX and the Illinois Attorney General 's office we finally got the number transferred.
In XXXX of XXXX ( the notice does not have a date of mailing ) we received a notice that the debt had been referred to EOS CCA of XXXX, New York, XXXX. I sent a letter of dispute on XX/XX/XXXX.In the letter I requested a copy of the agreement my wife had signed. XXXX XXXX had at XXXX point told me the contract may have been done over the phone, but they have not produced a tape of the verbal contract either. I was told by a representative of the XXXX that they often heard of complaints with XXXX in which the recorded agreement could not be produced.
The collection agency nka EOS XXXX, sent a letter dated XXXX XXXX, XXXX in an envelope with a postmark of XXXX XXXX. I received the letter in the mail on XXXX XXXX.
The letter says " EOS CCA has received your dispute. As part of our reasonable investigation, we have sent our client a request to obtain an itemized bill ... '' It makes no mention of our request for a signed contract.
I have spent hours on the phone and writing letters in the attempt to bring this matter to a conclusion. I am nearing the point of seeking compensation for my time and the damage done to my wife 's credit and reputation.
We have copies of correspondence with XXXX XXXX, the XXXX and EOS CCA ( and EOS XXXX ).
Thank you.
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| 08/19/2020 |
Yes |
- Debt collection
- Other 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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On XX/XX/XXXX I sent a written letter, via certified mail, to EOS CCA asking for them to validate an alleged debt for XXXX XXXX amount : {$1900.00} ). In addition, I disputed the validity of this debt to all three credit bureaus. All three bureaus deleted record of this debt. In XXXX, XXXX explicitly informed me that they found that this debt was invalid and not mine through it's investigation. At this point I hadn't received any communication from EOS CCA.
On XX/XX/XXXX I received a letter from EOS CCA. All it stated was that it was an attempt to collect a debt and it included the original bill from XXXX that they claimed I owe. It had no other information regarding the legality of their right to collect, no disclosure about my right to dispute this debt, or the age and statute of limitations.
Beyond this, this debt is so old they can not collect on it. Furthermore, It is invalid. I have proof that the bill in question is made up of fraudulent charges on XXXX 's part. in XXXX XXXX failed to report returned set-top boxes when they were brought to physical locations or stores. the set-top boxes that are being charged were returned. Furthermore, the date of the bill does not coincide when I actually lived at the address listed. I moved away in XXXX of XXXX. The account was closed way before the time of the bill and we have proof of payments made. This has been proven. EOS CCA, also intentionally sent the letter I'm referring to the wrong address. IN my initial correspondence with them, I explicitly outline my correct mailing address both on the return receipt and within the letter itself. By sending it to the wrong address, it risked my not receiving it AT ALL, thankfully it was forwarded to my correct address and I received it two weeks after its original listed date. Ibelieve they did this to perverse my ability to respond in a timely manner.
I believe EOS CCA is trying to coerce me to pay for a debt I do not owe. They used tactics to attempt to confuse, elude, and bait me to pay them money without listing the necessary information required, my rights as a consumer, and using minimal language to create fear and frustration that might lead me to irrationally respond.
If they continue to try to collect on this alleged debt, I will take legal action to prove this debt is not valid and that their practices have violated the Fair Debt Collection Act.
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| 08/16/2016 |
Yes |
- Debt collection
- Non-federal student loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My total monthly payments are not accounted for towards the overall total amount I owe. I make a $ XXXX monthly payment, but the overall total amount is only {$300.00} ( give or take ) less from the previous month. When I called the debt collection agency ( EOS CCA ), I was informed that once my payment is made, the payments are directed to XXXX to be allocated amongst the loans and that XXXX is probably charging an additional 7 % daily interest rate ( yes, a 7 % additional daily interest rate ). When I called XXXX to verify how XXXX is allocating the monthly payments made, as well as, if XXXX was in fact collecting an additional 7 % interest on my overall amount. XXXX informed me that any questions that I had regarding my debt and how the payments were split among each loan, would need to be addressed with EOS CCA, because EOS CCA handles all the payments. XXXX informed me that they only receive a monthly statement of the overall loan.
In XXXX XXXX, I requested from EOS CCA to send me an overall payment history from XXXX. The total amount of payments I had made up to XXXX XXXX, amounted to {$59000.00}. I was never given an overall total amount when I first was placed in collections, however, I believe the overall total amount that I owed was {$130000.00} ( give or take ). As of XXXX XXXX, even with my total overall payments from XXXX XXXX XXXX amounting to {$59000.00}, the overall total amount that was owed as of XXXX XXXX was {$100000.00}, which means only about {$24000.00} has been put into my total overall amount owed.
When I had asked EOS CCA where the remaining {$34000.00} was and why all of the monthly payments was not fully accounted for, that is when EOS CCA referred me to XXXX and XXXX referred me to EOS CCA.
Just as an FYI, I have kept every monthly payment reminder that I receive since being placed in collections ( except from XXXX XXXX XXXX which those payment reminders have been lost ). In XXXX XXXX, EOS CCA started to include the overall total amount that I owe, with a breakdown of each individual loan principal amount, individual interest, individual collection fee, and individual overall balance, which amounts to the total overall amount of what I owe for everything. Aside from that, there is no other documentation or summary that may explain where the remainder of my monthly payments are being distributed into.
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| 06/25/2019 |
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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On XX/XX/XXXX, received a Notice of Collection Placement from EOS CCA, XXXX. XXXX XXXX, XXXX, MA XXXX that I owed XXXX {$51.00}. I had closed my XXXX account in XX/XX/XXXX and the company ended up sending me back a refund, which I received in XX/XX/XXXX. I called EOS CCA and they told me I owed the money and I told them that was incorrect because XXXX owed me money when I closed the account and they paid me the amount of {$51.00}. The lady told me to call XXXX and gave me my XXXX account number ( XXXX ). I called XXXX, was on hold for over 45 minutes until XXXX, the XXXX account representative answered the phone. XXXX was very helpful. He told me that the account was closed and that there was a XXXX balance. He could find no instance where my account was sent to a collection agency.
But just to be safe, he sent me to XXXX 's Finance Department, which I had to wait on the phone another 30 minutes, but XXXX waited with me, before anyone answered. My call was answered by XXXX, who told me my account was closed and that XXXX had sent me my refund of {$51.00} when my account closed in XX/XX/XXXX and the check sent to me in XX/XX/XXXX. XXXX told me that XXXX never sent my account to a collection agency and that EOS CCA 's Notice was fraudulent and not to give them any personal information because they were trying to steal my identity. I called EOS CCA back and told them that XXXX told me their letter was fraudulent and they they never sent my account to a collection agency and a manager told me if I didn't pay they would ruin my credit. I felt like I was being threatened to pay this collection agency or they would intentionally ruin my credit.
I called back XXXX after this to get someone to help me and waited on hold again for 45 minutes before XXXX picked up the phone. He was very rude and told me I had a XXXX balance and if I wanted to clear up the issue I had to file a dispute claim with XXXX or no one would help me. I got off the phone with XXXX and I sent a dispute letter to XXXX asking them to clear up the matter of the collection Notice ( I also sent them a copy of the collection notice ).
I am afraid this collection agency is trying to get money out of me that I don't owe and steal my identity. Even though I sent a dispute notice to XXXX, I am not sure they will do anything because they said they never put me into collection.
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| 04/02/2020 |
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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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 XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
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| 04/10/2021 |
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 |
Servicemember |
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I have dispute multiple times with over the course of a few years about credit errors on my credit report.. I have reached out to the companies that have been reporting and I have notified the credit bureaus that the errors exist and every time I dispute them the end result is that it meets requirements. I have notified XXXX XXXX that the wrong debt collector is reporting on a collection account. I have tried to dispute it and twice it has come back that meets requirements. EOS CCS Is reporting on a XXXX account that has been bought by another agency and this has been disputed and and the credit bureaus will not remove it. I have reported that an apartment community its charging me incorrect balances over the past four years on both XXXX and XXXX. At one point I had double entries for the same collection account. And they will no longer allow me to dispute it online which I dont think its fair when it is in accurate. I have a payment agreement with XXXX word which is showing the incorrect balance based on the payment agreement is still showing my total balance and its not showing my current payment history or balance with them. XXXX words which is been reported by XXXX XXXX XXXX has been informed that XXXX XXXX has fraudulently attempted to collect A substantial amount outside of what i owe to them and I cant get this corrected.. I had a lease fraudulently signed in my name and have been charged a termination fee because I was not living there during that time and cant get that off of my credit report.. I have been denied a job with the Department of Justice, denied a security clearance multiple times and most recently denied housing because of these errors. For someone whos trying to correct their finances I dont think that its fair that I can not reach out to these individual entities and get this corrected myself without having to pay someone they are taking advantage of the consumers ignorance towards the fair credit act and reporting.. I also do not believe that if an entity doesnt report my payment history at all or even good payment history ( ex : cable, cell phones, colleges, utility companies, insurance, rental payments, etc etc ) and when it is good they should not be allowed to report when consumer has financial difficulty and is unable to pay. It is a predatory practice and it is not fair to the consumer.
|
| 05/14/2015 |
Yes |
- Debt collection
- Payday loan
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
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Web |
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My family and friends have been contacted by these people over and over again and are not only saying that I am going to be served/ arrested But that my family members and friends are also in trouble and that THEIR credit is also at stake and may be ruined. They have even contacted my ex-husband and told him that I owe for a bill and that he will be in trouble on a Federal level if I am not found immediatley. My Ex and I were married in the XX/XX/XXXX and have been divorced for over XXXX years. Just today they called my brother in law and threatened him on a " Federal Level '' and that HIS credit will be affected in a very negative way. He asked that they not call him anymore. He has had several calls from them in the past, but today 's call got especially ugly. The number that called him today was XXXX. I spoke to the company over a year and a half ago and explained to them that I felt I had resolved this issue with them by paying back what I had origanlly borrowed before they decided to tack on all kinds of fees and so called court costs. I also explained that I was not working at the time and still am not because I have XXXX.I am or have not been hiding out from these people. They have also called my work several times and told my boss my business or at least their illusion of what my business is. They also told her that I will be served at work. I never have been still to this day. If they are going to serve me or arrest me then why have they not done this yet?? They have humiliated me in front of my boss and my co-workers by constantly calling while we were trying to run a business. They have also called my daughter who has been out of the house, married and on her own for the last XXXX years and has gotten her terribly upset. It is humiliating trying to explain to my family, friends, boss and co workers that I have n't done anything wrong and do not believe that I will be arrested.I have never recieved anything by mail from them and no one has ever shown up at work when I was employed. Like I said I have never been hiding out, why do they keep calling and harrasing people that I know or have known in the past?? Like I said before I have a lot on my plate right now with the XXXX and all and going through treatment and DO NOT need this added extra stress in what I have left of my life.
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| 11/18/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
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Submitted paperwork regarding wage garnishment XX/XX/XXXX. Without notice to me my wages were garnished beginning XX/XX/XXXX Agency said they sent me the information XX/XX/XXXX. They did not. I did not receive the decision until XX/XX/XXXX and that was through email from XXXX after I complained. The information on the XX/XX/XXXX paperwork has changed significantly. The XX/XX/XXXX paperwork said I had 15 days to appeal. Obviously, the 15 days had elapsed XX/XX/XXXX. I have not moved. It would be in my best interest to respond in a timely manner. I did not receive the information. Everything I send XXXX is sent certified mail return receipt requested to avoid these issues. XXXX should do the same. However, I do not believe they sent it to me. I made contact with EOS-CCAand they said they would get back to me. I have not heard from them. Not only are my wages being garnished but now my social security is being garnished which I had to take 4 years early to cover the {$600.00} a month they are taking from my wages. With the social security garnishment they are now receiving almost {$1000.00} per month. I am single, XXXX years old and have raised my now XXXX year grandson since he was XXXX old with very limited financial support from the parents. XXXX only considers what they think your expenses should be not what they are. I have offered to pay {$200.00} per month until I die but XXXX will not accept that. The whole system is confusing, non-responsive and not dealing in real world income and expenses. People do not return calls. People do not know how to help you and they do not take your personal circumstances into consideration when reviewing documentation they have been given. In fact, they completely ignore anything they have been provided other than their paperwork you have filled out. There is no way I can afford a garnishment of 15 % if the information I provided was reviewed. I have sent my story to various government and social service agencies. I have sent my story to various government employees including senators. I have sent my information to various media outlets and have been contacted XXXX. I urge anyone else suffering from the burden XXXX mismanagement to write their own stories so attention may be paid to the fact that we are people with lives not just a number.
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| 05/25/2021 |
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/2021 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EOS CCA XXXX XXXX XXXX XXXX, MA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$750.00} ''. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : 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.
I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
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| 04/25/2020 |
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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This complaint submission is in regards to a false credit report by EOS - CCA ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a Supervisor by the name of XXXX XXXX, who upon requesting information regarding the account, he then provided me the fax number so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent on XX/XX/2020, was confirmed through my fax machine that the Supervisor had received the files. At this point it is now XX/XX/2020, and after 30 days of notifying them, neither my Attorney or I have received any response, nor correspondents.
I specifically asked for proof of the allege debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them the total of {$2100.00}. EOS-CCA are falsely reporting a debt to the three major Credit Bureaus and never sent me any initial notification. They even marked the account as pass due with several missed payments for something I was never even aware I allegedly owned. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting EOS - CCA ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which was all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, EOS-CCA are violating my rights and are also causing financial hardship with this debt being reported. We are currently in the time of a Global Pandemic with the COVID-19 virus, and access to funds are crucial for survival. This false report by EOS-CCA has prevented me from gaining access to any lenders due to Derogatory Marks on my Credit Report. At this point EOS-CCA have failed to provide any competent evidence or any legal obligation and they are currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions.
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| 03/08/2022 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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I don't know if it is a real debt collector of a scammer. If it is a legitimate business, they are harrassing me! They call my phone almost every day, sometimes more than twice a day, and never leave a message. I don't answer calls from numbers I don't know. I have received nothing in writing regarding a debt that is in collections. I don't want to call the company because I have no idea why they are calling me and am afraid they are scammers. I do not handle any financial business on the phone, ever. I googled the phone number and it was listed on an attorney website as a debt collector. I was reporting a phone number as a scam and noticed that although I blocked the XXXX number after several weeks of them calling, my call log shows they have kept calling, I always see the missed calls, over and over, but I have never been contacted by mail. It is completely inappropriate business practice.
Here is a list of call times and dates : XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX pm and XXXX pm XX/XX/2022 : XXXX pm and XXXX pm XX/XX/2022 : XXXX pm, XXXX pm, and XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm, XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am All of these calls and I have received nothing in writing. If this is a real business, this is incredibly inappropriate behavior. I want these people to stop calling me. I can block them so they can still call and leave a message, but I don't hear my phone ring. I want them to stop calling me period. My address is public information, they have never contacted me by mail.
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| 09/10/2020 |
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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EOS CCA XXXX EOS CCA 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 EOS CCA XXXX EOS CCA 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 XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, NY XXXX
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| 07/31/2017 |
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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XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX EOSCCA XXXX XXXX XXXX XXXX, MA XXXX Re : Acct # XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, XXXX which you claim I owe {$2400.00}. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages 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 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 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.
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| 08/25/2021 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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XXXX XXXX XX/XX/XXXXshared my personal information with debt collectors U. S. Asset Management and U. S. Asset Management shared my personal information with debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. filed a lawsuit on U.S. Asset Management behalf then XXXX, XXXX, XXXX, XXXX, XXXX. shared my personal information with XXXX, XXXX XXXX XXXX XXXX. Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX or XXXX, XXXX XXXX XXXX XXXX. that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, XXXX XXXX Bank knowingly transferred my personal information without my lawful authority to debt collectors U. S. Asset Management and U. S. Asset Management illegally shared my personal information with debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. illegally shared my personal information with XXXX, XXXX XXXX XXXX XXXX. and all obtained and are in possession of my personal information without my lawful authority and XXXX, XXXX, XXXX, XXXX, XXXX. and XXXX, XXXX XXXX XXXX XXXX has used such information and illegally attempted to collect an alleged debt.
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| 02/05/2021 |
Yes |
- Debt collection
- Other 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 am applying for a new home to help my family under this pandemic and my loan officer looked at my credit mentioning theres a problem and he can not move further with my application. He mentioned EOS CCA is a new account and I have to fix this problem. There is an account listed on my credit report that just popped up under EOS CCA collecting for a company called XXXX XXXX for {$380.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on my credit previously in XXXX with XXXX XXXX under the account number XXXX I was not familiar with this account and asked them to SUBSTANCIATE this claim that I owe them. I have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX then removed the debt and placed it with another company called EOS CCA. All this happened under 30 days ( see attached screenshots ) so how would EOS send me a right to dispute or explain my rights. The Federal Trade Commission has taken action against a debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEPT PARKING.
The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX, XXXX of the F.T.C.s bureau of consumer protection, said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX.
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because If I can not get my home to move my kids into, I will file suit with an attorney of my choice.
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| 08/02/2018 |
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 received a bill from EOS-CCA ( XXXX XXXX XXXX, XXXX MA XXXX ). The bill was a collection notice referencing an outstanding debt with XXXX, dated XX/XX/18, Acct # XXXX, Client Acct # XXXX, for {$99.00}. There were no additional details about the charges.
A few years ago I had service with XXXX through XXXX, but never had charges with XXXX directly. My account with XXXX was paid in full at end of service with no outstanding charges. XXXX has periodically contacted us at our current mailing address with service offers, so there is no reason that they would not have been able to reach us regarding outstanding payments.
I called XXXX first to get more information. I gave them the Acct # s provided by EOS-CCA but they did not match anything in the XXXX system. They also searched by my name, phone number, and mailing addresses, but could not find any records of outstanding charges.
I called EOS-CCA directly to let them know that the bill was clearly in error. I explained that I never had an acct with XXXX directly, only through XXXX, and that XXXX had no record of these charges. I was told that even though the original physical bill from EOS-CCA said XXXX, they could see in the computer that the charge was actually from XXXX ( note this was only after I had already mentioned XXXX ). I was told that I could also contact XXXX, but that neither company would have records on this since the debt was transferred to EOS-CCA.
So I then called XXXX. Similar to XXXX XXXX, the Acct # XXXX provided by EOS-CCA were not the correct format and they did not match anything in the XXXX system. They also searched by my name, phone numbers, and mailing addresses, but could not find any records of outstanding charges.
EOS-CCA provided me with a fax number to submit a dispute ( XXXX ). They instructed me to provide proof of payment in order to process the dispute. This is not possible because this bill never existed in the first place. I am going to submit a letter to them today, but since this is clearly a scam I do not expect them to drop the charge.
I am concerned that this fraudulent bill will negatively impact my XXXX XXXX.
Thank you, XXXX XXXX XXXX
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| 07/08/2017 |
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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I never had a past debt with EOS CCA collection agency. I never recieved notification from the collection agency nor did I pay the collection agency. I had closed my XXXX XXXX account in XX/XX/XXXX. I begun a payment plan in XX/XX/XXXX and paid XXXX XXXX on XX/XX/XXXX the remaining bill owed which was taken out of my account on XX/XX/XXXX. On XX/XX/XXXX I recieved an email that my credit score had changed. I checked my credit report with XXXX, XXXX, and XXXX to find a collection from EOS CCA for XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX at XXXX XXXX pacific time and spoke to XXXX who confirmed I did not have any past debts with the company. XXXX stated she would contact the collection agency on Monday to inform them I do not have a balance and to remove collection. On XX/XX/XXXX at XXXX XXXX pacific time I called XXXX XXXX and spoke to XXXX who again confirmed I did not have a past due balance. XXXX informed me she would emailed collection agency that my account was not past due and to remove collection. I called the collection agency on XX/XX/XXXX at XXXX XXXX pacific time and spoke to XXXX XXXX who confirmed the collection had been removed as I did not have a balance. Informed XXXX that collection shows on credit report as paid when I did not have a balance or owed a past debt. In addition I did not pay the collection agency. XXXX confirmed they had removed collection and closed account and that it should have been deleted from credit report. XXXX suggests I contact credit bureaus to dispute false information still present. I called XXXX XXXX on XX/XX/XXXX at XXXX XXXX pacific time and spoke to XXXX. I explained my situation after she stated she would send a document stating I had satisfied payment and the date which it was paid. I had disputed EOS CCA collection account from XXXX and XXXX. The dispute was not investigated since the account was updated to paid. On XX/XX/XXXX I spoke to XXXX from XXXX XXXX and informed her that I had not recieved the document she promised in the mail. I gave my email and fax number for her to resend. On XX/XX/XXXX I checked email and fax and have not recieved any correspondence from XXXX XXXX.
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| 02/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
Servicemember |
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Back in XX/XX/XXXX, I joined XXXX XXXX ( XXXX ) and left for XXXX. I had called the original creditor ( XXXX ) to have my account put on hold in accordance with the Servicemembers Civil Relief Act ( SCRA ) and explained that I would be away on XXXX. The representative explained to me that my account would be placed on hold and that I can reactivate it upon completion of my XXXX. I finished my XXXX around XX/XX/XXXX and was then at the time able to reactivate my account. When I called, they informed me that my account was closed and sent to collections for failure to pay. XXXX charged me over {$1000.00} in fees and late payments due to a failure on there part to abide by the SCRA. The debt collection was sold to EOS XXXX. A little over two years ago, back in early XX/XX/XXXX, I started receiving the initial contact from EOS. They were unable to provide adequate information regarding this debt at the time and it was also apparent that the debt was past the applicable statue of limitations. I contacted all XXXX credit reporting agencies informing them of this agencies actions and intent which in turn the credit reporting agencies verified this and removed any and all information of this collection from my report. It is now XX/XX/XXXX and I am being contacted by XXXX about this debt yet again. I am currently still on XXXX and XXXX. This new agency has informed me that they received this debt and are attempting to collect this debt on behalf of EOS XXXX. I have informed this new agency that this debt is now nearly 8 years old, still not properly being verified and to cease with the collection of this debt. I come to you with this issue because I have done research into EOS XXXX. I have discovered that they were actually sued in court, found guilty of multiple violations of FCRA and most of these violations have to deal with attempting to collect on " old '' XXXX accounts. I have also discovered that they were barred from selling debts that they have received which it appears they have done. Again, I just wanted to bring this to the attention of the bureau and any assistance, feedback or acknowledgement would greatly be appreciated.
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| 03/03/2021 |
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 received a letter from EOS CCA Dated XX/XX/2021 I received that letter on or around XX/XX/2021. To which i responded via written letter XX/XX/2021 to XXXX XXXX XXXX, XXXX, MA XXXX Requesting a verification of debt.
The reason for my request for a verification of debt is 1st to establish whether or not this is in fact my debt and 2nd the details of the charges as they are alleging that I owe {$4500.00} yet they have not provided the details for the charges in question.
How is it okay for them to send me a letter stating that I owe {$4500.00} and no explanation of charges? No date of Service? Nothing at all is on this letter ties me to this debt. The information on this letter could have easily have been obtained with a simple XXXX search or XXXX XXXX search. I don't think that I am asking a lot by requesting that they both prove this actually belongs to me and provide details of charges.
The second reason for my complaint is that if this hospital did in fact share my information with this EOS CCA Agency this is a clear and present violation of my HIPAA Rights. I am not sure how they could provide me with the details regarding my visit with out violating my hippa rights. And yet in still I am being asked to pay an amount with XXXX proof or anything.
Today XX/XX/2021 : I received a phone call from a XXXX XXXX from EOS CCA and he stated me me that their office does not check their PO Box which is probably why I haven't received a response to my letter. He stated to me that they do everything online and if I wanted more information I would need to go directly to their website.. This is not acceptable for me as I would like to be communicated with via written letter so that I can keep track of my communication. He also advised that this is my debt because he would not be calling me if it wasn't and this is also unacceptable as I have requested written verification and a verbal confirmation which lacks the details of these charges is not acceptable.
If you look at the attached letter from the company there is nothing here which details my date of service or the details of the charges.
Thank you, XXXX
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| 01/26/2022 |
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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Dear EOS CCA ; How are you and how you been? 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 : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. 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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| 06/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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I am disputing a collection from agen cy Collecto , Inc. / EOS CAA concerning a purchased debt from original creditor, XXXX , Ac count Number XXXX on the illegal and purposeful re-aging of a recently purchased debt.
Also, the collection agency EOS CAA also as not notified me in writing of the claim that a debt is owed or allowed me to dispute this debt in writing.
Basis for the dispute : The debt collector Collecto , Inc. / EOS CAA is not reporting a date of first delinquency to the credit bureaus and the estimated month and year the item will be removed is different from the original creditor. The dates must be the same date of first delinquency. Any different date constitutes illegal re-aging.
The original creditor, XXXX , recently sold the debt during the 30 day dispute window in XXXX XXXX as they could not validate the debt. I disputed the debt through the credit bureasu and the item was removed. However the new debt owner, Collecto, Inc.has submitted a new claim on my report.
The Original creditor sold the debt to debt purchasers and collection agency Collecto , Inc. / EOS CAA. The Collection Agency Collecto , Inc. / EOS CAA is not reporting a DOFD ( date of first delinquency ) on my report. The DOFD is the date the account became 30 days late and no other payments were made.
Regardless of how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change and must be listed on credit reports. Collecto, Inc. / EOS CAA has not listed this information and updates each credit bureaus weekly with new dates, continuing this illegal act I can provide reports and screen shots of clear FCRA violations in attachments of the original creditors reporting and the new collection agencies. Collecto, Inc. / EOS CAA states this debt will stay on my credit report until XXXX . The Original Creditor states this debt will come off of my credit report in XXXX .
This agency is in breach of several CRA reporting guidelines as well as US law and I would like the item removed from my report.
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| 05/05/2023 |
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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In XX/XX/XXXX, EOS CCA reported a debt collection action against me of {$1500.00} from a XXXX account billed to this address ( not mine ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY In XXXX I noticed this on my credit report and I disputed it through XXXX. XXXX informed EOS of my dispute and the company stopped reporting it to the credit reporting agencies on XX/XX/XXXX.
It was still on my reports so I called EOS XX/XX/XXXX, and spoke to XXXX XXXX or XXXX? ) XXXX I confirmed the debt was from XXXX, and that the address that EOS and XXXX reported to the credit reporting agencies was the address above. I sent the collections agency a letter proving that my address is located in another city, that I have never had an address in XXXX and that I have not had a XXXX account for over a decade.
XXXX a member of the " management team '' at EOS confirmed that this debt is under fraud investigation, that EOS is no longer the reporting agency of the debt. She told me that EOS received my letter of disputed address.
I called EOS and spoke again to XXXX XXXX on XX/XX/XXXX. XXXX connected me to XXXX from the " management team '' who confirmed that EOS has opened a fraud investigation. They are no longer reporting the collection against me. They cant send me a letter that resolves me of responsibility though because they only have letters that state the total balance due. Apparently EOS does not have a process to resolve these types of mistakes that they have made. Perhaps they do not have any employees who know how to type a letter.
On XX/XX/XXXX I spoke to XXXX at XXXX to have the item removed from my credit report. XXXX is unable to do that because she needs to hear from EOS that the debt is not in collections. Since the employees at EOS are not capable of communicating this, the debt is still listed on my report, damaging my credit worthiness.
I don't know if the original debt was the result of someone using my name to obtain a XXXX account. But I do know that EOS is causing me harm by refusing to communicate with the credit reporting agencies and I am reporting EOS CCA for fraud.
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| 11/14/2021 |
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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TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for EOS CCA. Reported : XX/XX/XXXX Account # XXXX. Your company has 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 EOS CCAI have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
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| 07/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Frequent or repeated calls
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Web |
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XXXX XXXX XXXX ( XXXX ) entered into an agreement with me in XXXX XXXX to provide bundled package of cable television, internet, and phone for a fixed price that would not change for 2 years. A few months later in XXXX, they added a monthly charge of {$4.00} for internet modem, which I refused to pay because this was included in the fixed price locked for 2 years. XXXX continued to bill for this service. I always paid the originally agreed monthly fee on time, but refused to pay the {$4.00} surcharge that was outside our agreement. As XXXX continued to bill this surcharge despite numerous call to them, I terminated their service. XXXX claims that I owed them {$8.00} in unpaid surcharge and an additional {$67.00} for not paying the {$8.00} on time. In XXXX XXXX, I received a letter from XXXX. XXXX XXXX, a collection agency based in XXXX XXXX, XXXX, stating they were representing XXXX. I sent an explanation to them that I did not owe the amount of {$75.00} to XXXX. This collection agency closed the case after receiving my explanation. In XXXX, I received a letter from a second collection agency, XXXX XXXX, based in XXXX, XXXX. Again, I sent them an explanation that I did not owe the disputed amount to XXXX. In the mean time, I noticed that my consumer credit report showed negative information that I owed {$75.00} to XXXX. I disputed this information. Subsequently, XXXX XXXX closed the case and sent communications to all major credit bureaus to remove the negative information. On the XXXX XXXX, XXXX, I received a collection notice from a THIRD collection agency by name, EOS CCA, based in XXXX, XXXX. Again, I sent my written explanation immediately on XXXX XXXX, XXXX stating that I did not owe the amount of {$75.00} to XXXX. I did not provide my phone numbers to EOS CCA. However, EOS CCA has been calling my office phone XXXX a day for the past 7 days, apparently obtaining my work phone number via internet search. I have not received a written reply from EOS CCA. Instead, they keep harassing me via XXXX a day phone calls to my work phone number. This practice is HARASSMENT.
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| 05/22/2017 |
Yes |
- Debt collection
- Medical 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 |
Older American, Servicemember |
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On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX that my delinquent account from XXXX for {$2400.00} had been sold to EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX. This was the first I ever heard from XXXX XXXX in over six years. I have been admitted for other procedures and admitting never mentioned there was an alleged past due amount on my account. I never received and past due/demand letter or contacted in any form. I have had the same address and phone numbers for over twenty years. Obviously, I never afforded the opportunity to contact my insurance carrier or the hospital to determine if the charges were legitimate and if so, who 's responsibility the charges were ... the insurance or me. Now EOS CCA has contacted me and demanded payment and threatened to damage my credit and in fact has reported the debt to XXXX. My attorney has advised me that per the Texas Civil Practices & Remedies Code that the statue of limitations on the alleged debt is four years and the debt occurred over six years ago.
I believe the bullet points below summarize my complaint XXXX XXXX sent me one bill 6 years ago, that I reasonably believed was the responsibility of the insurance company. I fully expected to receive another bill after insurance had paid their share. When I didnt receive one, my reasonable assumption was that insurance had paid it in full. Now the hospital has sold my account to EOS CCA that is trying to collect a debt that, per the statute of limitations, is no longer collectible. Even though, per the law, the debt isnt collectible, they have threatened to report me as delinquent to the credit bureaus. o This is a deceptive practice in that I was only given one notice of the debt in 6 years where I had every reason to believe was satisfied by my insurance company o Its also an unfair practice for the collection agency to report a debt as delinquent as an uncollectible debt cant possibly be delinquent. o Its an abusive practice to threaten to harm my credit standing over an alleged debt that I have no legal obligation to pay
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| 01/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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The company EOS CCA has been mailing me for the past 2 years trying to collect a debt that they do not own.
I had a balance to be paid to XXXX XXXX XXXX over 4 years ago. On XXXX XXXX, I called XXXX XXXX XXXX to take care of this matter. XXXX XXXX XXXX told me that the debt was sent to collections and provided me with the info of such collection company - which is NOT EOS CCA.
The collection company & XXXX XXXX XXXX collaborated so I could pay off my debt & open a new Cell account with XXXX XXXX XXXX. I got a letter from such collection company indicating that the " Original Account from XXXX XXXX XXXX has been settled in FULL. and that Payment was received on XXXX/XXXX/XXXX. '' Such collection company also updated my credit report & indicated that the account was settled in full.
However ... since all of this happened, seems like this EOS CCA company got a hold of my personal info and has been mailing me since XXXX XXXX.
I moved homes this summer and now they have found me again!!
I called them to the number they provide on their collection letter, and they have pleanty of my information ( Full name, address & phone Number ).
They also claim that they purchased the debt from XXXX XXXX XXXX on XXXX XXXX XXXX!!!
How is that possible?
I called XXXX on XXXX XXXX to take care of this matter & they NEVER mentioned this company.
EOS CCA has almost the same account number that the one that XXXX XXXX XXXX & the other company had, but it differs from only XXXX digits.
Also, when I called EOS CCA to get an email with docs proving of the debt I owed he said that they do not email. But he said that he could send me another letter that would like exactly like the one I just got from them.
When I was disputing my debt with the other collection company, they quickly emailed me docs to prove what I owed and how we could fix such.
As a conclusion, EOS CCA is either a scam company trying to get money from people that is struggling with collections. Or a poorly run company that does not check facts on the people they are trying to collect money from.
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| 01/30/2016 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Trouble with how payments are handled
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Web |
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I want my loan to be look into because I just do not agree with how much I am paying for this loan Program Principal Interest Penalty/Fees Total Debt Balance XXXX {$13000.00} {$690.00} {$0.00} {$14000.00} Total {$13000.00} {$690.00} {$0.00} {$14000.00} Payment History Payments that have been made towards paying off your defaulted federal education debt are listed below. This information is listed in chronological order with the most recent payments near the top of the table, and oldest payments near the bottom.
To view the remaining balance outstanding on your defaulted federal education debt, click here.
NOTE : Only payments made directly to the XXXX Default Resolution Group are listed here and not any payments sent to guaranty agencies or to the Department prior to when the debt entered default.
Payment Effective Date Payment Type Payment Amount Applied to Principal Applied to Interest Applied to Fees & Charges XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX REAPP {$0.00} {$0.00} {$32.00} {$0.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$190.00} {$0.00} {$150.00} {$37.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX REAPP {$0.00} {$0.00} {$26.00} {$0.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$170.00} {$35.00} I have not pay any on the principal yet
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| 11/26/2021 |
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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have BEEN REPEATEDLY trying to stop XXXX and their numerous collection agency from CONSTANTLY posting to my credit report and other various things for almost XXXX years now. The XXXX Internet account I am referencing was also filed here with a complaint due to XXXX and their collection agencies ( numerous ) CONTINUE to claim that this my account. My account ENDED in XXXX of 2018. I was on the phone with the representative and MY ADULT son was on the call. I was no longer living or using the service, in XX/XX/ 2018 we spoke to the rep about taking the account out or my name and closing MY account. My son wanted to keep the service, so they opened a account in HIS NAME. My account was PAID and CURRENT in order for XXXX to be able to do this. Once my account was closed out ( same day ) my son established the service WHICH I HAVE PROVEN TO CFPB and to XXXX MANY TIMES. My son account I PROVIDED the information for and showing that HE MADE ALL PAYMENTS AND STiILL is to this day. XXXX is being FRAUDULENT. They ARE PURPOSELY ignoring the information that I even provided to CFPB and TO THEMSELVES.
I do not know what kind of game XXXX is playing. I am going to file a complaint for MALICE with the XXXX of FLORIDA for they BLATANT DISREGARD for the truth of the account paid and information on all payments to date even from my son. XXXX and their continued Fraudulent collection claims REPEATEDLY - IGNORING THE PAYMENT INFORMATION IN WRITING PROVIDING IS NEGATIVELY IMPACTING MY CREDIT for over 3 years. I have excellent history other then THIS FALSE NEGATIVE collection account.
I am preparing a suit against XXXX for XXXX years of NEGATIVE IMPACT to an account THEY FOR A FACT KNOW WAS PAID/ They transferred and I CONTINUED to PROVE MULTIPLE times IS STILL IN MY SONS NAME even as of today and ALL PAYMENTS since XXXX 2018 HAVE BEEN MADE. This is now my XXXX time to try and resolve this matter and NOW XXXX NEEDS TO BE FULLY INVESTIGATED!
I WILL BE SEEKING DAMAGES to the Fullest extent that the law will allow
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| 07/16/2019 |
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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I originally sent a validation of debt letter to the EOS CCA XX/XX/2019. The letter was ignored. Then I wrote a second letter to EOS CCA. I will attach the letter to the CFPB today. The letter included a cease & desist. For this reason, I had the document notarized by XXXX CT. town hall. I immediately sent the document to the EOS CCA collection agency. I was explicit in instructing EOS CCA in the validation of debt letter to explain several key points. I asked for clarification about how the amount in question had arrived. I asked the agency to complete my request in a way in which I can understand. For good measure, I asked that EOS CCA prove that they're licensed in my state. The agency were requested to provide their license number to me. In the end, my letter instructed EOS CCA to ONLY contact me through the United States mail. On XX/XX/XXXX I received in the mail EOS CCA 's response to my validation of debt letter. I have enclosed the agency document for your review. Altogether, my requests were completely disregarded. In the final analysis, the response shows no details of how the alleged amount was calculated. The agency proceeded to ignore my request. EOS CCA contacted me XX/XX/XXXX through my cell phone number. They demanded my social security number in order to verify me which I was not comfortable giving them. The rep insisted there was no other way to verify me and as a result their was no just reason to respect the cease and desist?. In brief, my work number was never provided to them by myself and XXXX XXXX never had my work number. The representative made mention that in their notes they were well aware of my cease and desist. They still contacted me through my work/cell number after I stated only by mail. I have been given no reason to trust this agency especially with such personal information. All things considered, EOS CCA has violated my rights over and over again. Given these points, I am enlisting the help of CFPB that EOS CCA agency CEASE & DESIST immediately.
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| 12/26/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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Affidavit of XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX.
XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.
2. I suffer no legal XXXX and have personal knowledge of the facts set forth below.
3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thank You, cc : Pennsylvania Attorney General XXXX cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
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| 03/30/2020 |
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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I I contacted EOS CCA ( Debt Collection Agency ) concerning a past due account to inform them that I ( XXXX XXXX ) was ready and willing to pay my past due amount in a payment plan. The account that I had with them was in collections and I wanted to pay the FULL balance due. I talked to the representative and told her that I would like to pay the FULL AMOUNT so that I could have this removed from my credit after paying. She informed me ( without me asking ) that I do not have to pay the full amount just a percentage and that would settle my debt in FULL. AND I FIRMLY told her NO I rather do a payment plan to ensure that this collection is removed from my credit! But she insisted and stated that no its ok Im repairing my credit as well, and I will have this removed from your credit report. And I told her are you sure because I dont want to have any problems once I pay this. She then stated hold on let me get my supervisor on the line and the supervisor got on the line and stated and I quote yes, Mr. XXXX once you pay the agreed amount we will have this removed from your credit. I said ok now bc I dont mind paying it in FULL so that it could be off my credit. He then stated thats no problem just as long as you pay the agreed amount it will be REMOVED FROM YOUR CREDT! So I paid the agreed amount and the reporting agency XXXX got it and still would not remove it. I know the phone call was recorded and I let XXXX knew by filing a dispute twice and they refuse to move it off my credit and they keep telling me after each dispute that their decision to keep EOS collection on credit score remains. This is not right because I feel as though EOS CCA LIED and DECEIVED me just to get me to pay anything when I was willing to pay the whole amount! What the representatives ( the manager and the original representative ) at EOS CCA did was unlawful. And I want justice thats why Im reaching out to consumerfinance.gov because filing two disputes with XXXX is not helping AT ALL. PLEASE HELP!!!
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| 04/28/2020 |
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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EOS CCA agency placed a collection on my credit report showing I owed {$860.00} to XXXX. They have called me and I told them I owe no debt to them or XXXX and to prove it. They refused to show me proof of the debt and they continue to call me with threatening calls. I did a little investigation myself. I found two email letters sent to me from XXXX showing I returned their equipment which is proof I owe nothing to XXXX or the agency. I filed a complaint with XXXX regarding XXXX sending a debt to an agency that I do not owe. Someone from XXXX called me name XXXX XXXX who left a message and said she would investigate and find out why the agency was calling me she also said she was going to contact the distribution center for XXXX to confirm the equipment was returned. The next day I get an email from Ms. XXXX telling me that my account was sold to EOS CCA agency and that she could not do anything to assist me and that I needed to contact the agency. I have proof XXXX received my equipment which I will upload for you to review. XXXX refuses to acknowledge they are selling accounts to an agency for debts that most people do not owe. They refuse to own the fact that they did not update my account to show the equipment was returned to show I owe nothing. In fact I received another call from someone name XXXX at XXXX executive office claiming that it is not their responsibility to contact the agency it is my responsibility. I told XXXX that it was XXXX fault my equipment was returned in the year 2017 and they neglected to update my account accordingly for that reason they sold my debt in error for a debt I did not owe. I asked for his boss and he refused told me again it was nothing they could do. I ended the call. He called me back and said I am going to notate that you hung up on me. I told him to since he refused to get me someone above him that there was nothing more to say. Call was ended again. I want EOS CCA to be investigated for buying my account in which I owe nothing.
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| 01/15/2021 |
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 |
Servicemember |
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Dispute was filed with XXXX and XXXX online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX and XXXX and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from EOS CCA stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to XXXX XXXX and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately XXXX XXXX.Association of XXXX in collection by XXXX {$100.00} has not responded. XXXX XXXX collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.
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| 08/15/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
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I received a alert from XXXX XXXX that a new account has been added to my report and affected my score. I checked and it was from EOS CCA collection company in the amount of {$1200.00} from XXXX. I called the number provided by credit karma and called EOS. I gave them my S.S # 3 times and they could not find any account. Finally when I gave my phone # that 's how they located my account. Now I canceled my service with XXXX in XX/XX/XXXX after being a customer for over 7 years. I was not aware or told that I will be charged for cancelation of a contract with XXXX. I even called back in XX/XX/XXXX because I was charge a payment in XX/XX/XXXX and still was not told about the contract fee. I asked the collection company why I never received a collection letter or phone call. they said one letter was mailed to the address I moved from and they called me 35 times but it 's their policy not to leave any message. How am I suppose to know that I have a bill. I also called XXXX and was told it is stated in my contract that if I cancel my service a % 70 fee will be charge. A contract that I signed 7 years ago and no longer have to review. When I asked the collection rep why they did n't try to contact me instead of sending it off to collection they told me its my responsibility and they do not leave message either in regards to any collection. Now how am I suppose to know of a fee if I was not aware of it or even try to make payments on it had I know about this. I have a very good credit score, I work hard to keep all my recent credit accounts paid to date for something that I was not aware of or given the right to dispute or make payments on it. this collection has affected my credit score now. Mind you I did ask the collection company if I can make {$30.00}. payments since I 'm a stay at home mom. My husband is XXXX in the military and he pays all bills. I was told NO unfortunate they will only accept XXXX a month for 12 months for full payment.
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| 09/29/2016 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Eos-Cca is trying to collect more after my debt has been " paid in full. '' On XXXX XXXX I received a call from my Rep who has been handling my debt from XXXX XXXX. The Rep asked me if I would like to settle this debt and finish the rest of the payments that day. I just got a nice bonus so I decided to pay it off. I asked the rep what is the total I owe today. He gave me an amount of {$430.00}. I was confused because to my calculations I still owed a little over {$700.00}. He said something about he had a couple payments unprocessed or something like that and I would just have to pay the remaining {$430.00}. I paid that amount and have received my Settlement letter stating that my " Debt is Paid in full. '' XXXX XXXX I received another call from another Rep asking me to pay {$810.00}. I had no idea what this debt was so I asked for the account number. I did not agree to pay because I wanted to cross reference the account number with my pass bills. Turns out the account number was the exact one from my settled debt back in XXXX.
XXXX comes around and I decided to give them a call and explain to them what happened. I explained everything that happened in XXXX and I 'm not going to pay because I have already received my Debt settlement letter, which I thought was supposed to be a change in contract. They put me on hold to check some notes, He came back to tell me that the previous Rep made a mistake and my settlement letter did n't mean anything because it was sent on false records. I told them its not my fault. I was extremely upset that he told me my letter does n't matter. He continued to tell me that computers make mistakes and to settle my debt I would have to pay about {$370.00}. I have no idea how he came up with that value to settle my debt. I was not going to go through this all over again where a Rep gave me a bogus amount just to say they 're settling my debt and then receive another call 6 more months down the line.
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| 11/29/2015 |
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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From XXXX XXXX to XX/XX/XXXX I had a contract with XXXX XXXX XXXX company in XXXX TX. I discontinued my service due to work relocation, paid my bill and sent the equipment back to the company.
On XX/XX/XXXX I applied to refinance my home loan in WA and saw the negative mark on my credit for a charge from XXXX XXXX XXXX. This mark lowered my credit score roughly XXXX points from an XXXX to a XXXX.
I contacted the collection company seeking payment ( EOS ) and they gave me XXXX contact information. Upon contacting XXXX XXXX XXXX they told me that they never received a cable modem back from me in XX/XX/XXXX. I told them I sent it back and asked for the tracking confirmation for the box they sent me to return the equipment. The representative told me they could n't see and notes or information on my account because it was so old. They had very limited information. I also never received any mail or telephone calls related to this charge for the equipment from now back to XX/XX/XXXX. I asked for verification for any type of attempted contact and they also said they had no records for that.
I have always changed/ forwarded my address at the United States Post Office upon relocating for work promptly because I value paying my debts and having a perfect credit score. I contacted the US Post Office to try and show verification of that, but they only keep copies of those records for one year.
I am very responsible at paying all my bills and debts before due dates. I would have perfect credit if it were n't for this XXXX charge from XXXX XXXX XXXX related to a modem that I did return. If the modem never returned back to the company it was either lost in the postal service or there was an administration mistake, but due to XXXX records or lack there of, there is n't any information to prove a case.
I never received any type of collection notification or opportunity to settle this issue prior to it appearing on my credit score.
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| 03/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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RECEIVED NOTICE OF COLLECTION PLACEMENT IN MAIL : STATEMENT DATE XX/XX/XXXX FROM EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ).
" XXXX XXXX HAS PLACE YOUR ACCOUNT WITH US FOR COLLECTION FOR THE TOTAL AMOUNT SHOWN ABOVE ( {$280.00} ). WE URGE YOU TO REMIT PAYMENT TO OUR OFFICE, UNTLESS YOU DISPUTE THIS DEBT. '' I do not and have not had an account with XXXX. I tried to reconcile this with the following EOS CCA phone numbers : Payment account inquiries : XXXX and XXXX XXXX Department : XXXX-XXXX-XXXX.
My conversations with the reps at EOS CCA were incomprehensible. The reps insisted I give the last XXXX digits of my SS #. I refused. I asked to speak with a manager, and I was given a number to report consumer fraud : XXXX at Ext. XXXX.
I telephoned that number and asked for ext. XXXX. I was told that extension did not exist.
I called XXXX, the customer service rep advised I contact XXXX XXXX XXXXXXXX.
COINCIDENTALLY : I had been getting phone calls from various phone numbers originating from the Arizona area code ( XXXX ) for several weeks, during early morning hours. Messages were not left. Whenever I'd try to call one of those numbers, I'd get a " Your call can not be completed ... '' message. A few days ago, I woke up early and intercepted a call from that area code. The connection was poor. The voice on the other end had an accent from the country of XXXX. He explained I was entitled to a refund for a purchase I never made. He requested SS # and other ID information. When I told him that I would not comply, he hung up. ... I reported this to the XXXX. I was informed that this is a common ploy used to commit identity theft. ... I wonder if there is a connection between these calls and the EOS CCA collection scheme.
My as well as my wife 's identities have been XXXX several times over the past XXXX years. So naturally, I'm suspicious anytime I get an unexpected call or letter requesting personal information.
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| 03/28/2018 |
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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I was the victim of identity theft and discovered a fraudulent XXXX account that had been opened up in my name with my social security number on XX/XX/XXXX. The account had an outstanding balance of {$970.00} that was reporting on my credit reports. I called all of the credit bureaus and ultimate had the account successfully removed from all three of my credit reports. When I called XXXX about the account they told me it had already gone into collection and that it had been sold to EOS CCA, a debt collection agency and that I should call them to file a dispute on the account. I called EOS CCA on XX/XX/XXXX at XXXX to file my dispute. In order to file my dispute I had to give them all of my personal information in order to file my dispute. They originally only had my name and social security number with an address that was not mine and no phone number. I had to give them my billing address and personal phone number in order to file my dispute. They said they would be sending me a " fraud package '' with more information with the information I would need to send them to help with their investigation. I still to date, as ofXX/XX/XXXX, have received not " fraud package. '' However, I have recieved several phone calls and a bill in the mail for {$970.00}, telling me that I owe this on an account. There is no mention of the dispute I filed, and they never had my billing address until AFTER I filed a dispute with them, but instead of sending me a fraud package they went ahead and just started billing me for an account that was reported to them as fraudulent. When I called EOS CCA after receiving a bill in the mail on XX/XX/XXXX the customer service representative, by the name of XXXX, told me that they had not processed my dispute correctly, yet somehow they managed to update the account info with my personal information so they could try an collect on a debt that I never incurred. This is criminal.
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| 09/22/2018 |
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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On XX/XX/XXXX I noticed a collections account from EOS CCA for $ XXXXwith an opening date of XX/XX/XXXX. I contacted EOS CCA and was informed that this was a debt collector for a final XXXX bill dated XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX to determine next steps and was informed that it was a XXXX XXXX account. On XX/XX/XXXX I contacted XXXX XXXX and was repeatedly told nothing could be done because XXXX no longer had access to the account since it had been sold to a collection agency.
I contacted EOS multiple times due to a language barrier and the telephone lines being closed during their normal business hours. EOS will send me a verification of the debt within 30 days. EOS informed me of the following via telephone : 1 ) XXXX mailed the bill to my address without my apartment number. My previous community had approx. 500 units.
FACTS : All communication that I had with XXXX XXXX was electronic. My service was disconnected ( because I was moving ) and once service is disconnected so is your access to your online account. My mail was forwarded to my new address.
2 ) XXXX notified me of the bill in XX/XX/XXXX, XX/XX/XXXX and then sent the bill to collections in XX/XX/XXXX.
3 ) I asked EOS why the didnt contact me in XX/XX/XXXX. They told me they attempted to call me once in XXXX to a XXXX XXXX XXXX XXXX and was unable to reach me. This telephone number that they contacted me was likely a telephone number assigned to me in one of the XXXX packaged deal that was RARELY if ever used and was disconnected along with the TV and internet services.
4 ) EOS informed me that it is against their companys policy to delete collections from credit reports I have no issues of paying a {$31.00} bill, but I can neither confirm whether I received it or paid it since it was 2 years ago. It is very frustrating that this has negatively affected my credit score without my knowledge of the bill.
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| 08/16/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Florida Office of Financial Regulation License # XXXX XXXX Department of Consumer Affairs License # XXXX Ref : Agency Reference Number # XXXX / Account # XXXX To whom it may concern : On XXXX-2017 XXXX XXXX XXXX sent me a letter stating that I owed a debt. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX, verification requires all of the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. ( section 1692g ) Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section 5-77 ) require that you honor this request.
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| 05/09/2015 |
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 have made several complaints, about XXXX XXXX XXXX and their deceptive business practices. After, numberous complaints. I have made through your services about XXXX XXXX XXXX. Examples are as followed : A class-action 3rd Party suit, Identify Theft through using XXXX email DSL service, and underground wiring that XXXX XXXX XXXX refuse to spend the money to fix. I am still receiving from XXXX XXXX XXXX attempts, to collect a debt from their 3rd party collection agencies that they continue to submit. I have done everything, in good faith, to attempt to resolve this issue with XXXX & XXXX They have continued to be deceptive about the active lines, that were present in my home. Where XXXX of the lines, was a business line and years ago, I use to trade on that line. It was disconnected, but still active, in my home. The phone number was recycled to a XXXX restaurant, but still active in my home under that same number. The personal line, was just disconnected recently, after having the number for almost twenty years. Upon XXXX disconnecting the number, I was receiving messages that I can no longer make international calls. I have never made any international calls. These, international calls, are connected to the underground 100 year old copper wiring, that have never been repaired. Also, even after explaining, to " my '' local Board of Supervisor 's, that the green boxes on the corner -controls not only, the timing of the crossing signals, but also, the under ground-wiring to homes that were built in the XXXX 's. It, would cost XXXX XXXX XXXX, more money and it would not be a Quick Fix for it to be repaired. I am tried of being Impacted by XXXX XXXX XXXX, ineffective infrastructure issues, and what ever it takes to fix this issue for not just me but those that are attempting to use this service when the underground wires are on my property. I have also included the pictures in a XXXX Blog!
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| 06/09/2021 |
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 spoke to an agent today XX/XX/21 from the collection agency EOS CCA and disputed this invalid debt. XXXX and EOS CCA are threatening my credit in the amount of {$13000.00} which legally I do not owe because the package ls did not contain my items that I paid for. I am responsible to pay for items that I order and I must receive the items which were XXXX to be delivered however my packages had paper inside them. Legally I am not responsible to pay for an item I did not receive. I paid {$13000.00} for XXXX XXXX and my XXXX were not delivered so XXXX did an investigation and confirmed that the phones were lost and and no usages were done on the phone from my account. The items were never received and XXXX sent me a legal document ( s ) that came from them with my refund slips. This is my legal document that XXXX has agreed to refund me in the amount of {$13000.00} which I will attach in my complaint towards XXXX and EOS CCA. If I order an XXXX I expect to receive my ordered items which in this case I did not. XXXX refunded me and issued my refunds after the investigation which proved I did not receive the items because the items were never activated or used under my account. The phones I ordered in the amount of {$13000.00} were for my business and the phones never reached me. There was NO USAGE on those devices from my XXXX account and XXXX did confirm there was no usage on those devices and they issued me full refunds for those devices. I have legal proof I am not responsible to pay for this debt that XXXX and EOS CCA is holding me responsible for. Please see my attached legal documents that I was given from the merchant. CFPB please investigate both companies XXXX and EOS CCA for harassing me and trying to collect invalid debt from me and they are threatening to put this invalid debt on my credit unrightfully. Thank you CFPB for allowing me to explain. Thank you.
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| 04/03/2019 |
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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In XX/XX/XXXX I had ordered via online XXXX XXXX service. The service was available through their online system. When the tech came to do the installation he had informed me that I was not able to receive this service and that all the ports were full. I had reached out to XXXX and was told that the service was in fact available and rescheduled for a new installation date. The 2nd tech came out and once again told me that I could not receive the service as all ports were full. I reached out to XXXX 's customer service yet again and she talked to the dispatch unit only to tell me what the tech had already told me in the first place. The service was cancelled as I was NOT able to obtain it. In XX/XX/XXXX I received a credit alert that a new collection was on my credit report from EOS CCA. After doing research and filing a complaint through XXXX it showed XXXX being the original creditor for a debt of {$35.00} for the service that was not installed and cancelled the day the tech came out. I filed a complaint against XXXX on this very issue through the XXXX and had a call from XXXX from XXXX XXXX XXXX department about the complaint. He left a message for me to call him back. I tried reaching out to him and gave him a good time to reach me via voicemail. Since then, I called him back 3 more times leaving 3 different voicemails only to never hear from him until the day they replied to the XXXX complaint. Their response was they could not get in contact with me. I rejected this response and argued my side with them explaining this as well as the position they put me in. I have attached everything from the XXXX to EOS as well as XXXX. XXXX 's final response was that I need to get this corrected with EOS since they no longer own the account. My argument is this account should have never been sent to collections in the first place as XXXX is the root cause to this problem.
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| 04/05/2022 |
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 spoke with this company several times in XXXX. There saying that I owe a XXXX XXXX bill for XXXX That is not possible. XXXX will cut your services off if you miss one month. They told me they can only produce the bill from XX/XX/2018 till XX/XX/2018. In which they stated the bill was {$1600.00} when they purchased the account from XXXX. I spoke with someone on XX/XX/XXXX asking for an itemized bill starting from XX/XX/2018. They told me that they don't have it and that I would have to contact XXXX. I contact them and I was told that they don't keep a record that long and that once it is sold to a collection company its out of there system. I then contact the company back and told them what XXXX had said. She told PROMISED me that she would request the information from XXXX and to give her 5 days. I called 10 days later they still haven't got a copy of my bill leading up to these charges and now their telling me to wait 30 more days for something that XXXX can't give them. In the mean time it's hurting my credit. If I owe XXXX money I would pay it. My bill with XXXX was about {$220.00} a month.. so if I add correct I had about 7 months of services and not pay.. that really impossible with XXXX. And to say I owe {$1600.00} is insane there's no way anyone can get services that long without paying. So no one is able to supply with a bill that shows charges leading up to this amount. Honestly I believe that when I moved from the residence XXXX sent me prepaid boxes to send back through usps. I neatly packed everything up and sent it back I had no use for keeping it and it was free to send back in which I took it to my local post office. I am thinking they never credited my account for the equipment I returned. Cause otherwise I don't owe them any money. I hope and pray that you can help me resolve this matter. Thanks. I hope to hear back from you soon.
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| 01/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I am in the process of securing a VA mortgage. I checked my credit report and it shows 1 ( one ) collection account with EOS-CCA for {$1700.00} toXX/XX/XXXX XXXX, NY. On XX/XX/XXXX I contacted XXXX XXXX billing office to get a definitive total owed. Talked with C/S rep XXXX and she gave the amount owed to EOS-CCA {$320.00}. I contacted EOS-CCA XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX the same day and spoke with C/S rep XXXX. XXXX informed me I owe EOS-CCA {$2500.00}. I asked her to send me an itemized statement of the charges and dates. Called EOS-CCA XXXX, NY on XX/XX/XXXX to inquire about the itemized list. C/S rep wouldn't give his name but said the list was mailed out. To date I have not received the itemized list. I also filed a dispute with XX/XX/XXXXfor 9 ( nine ) amounts on my report. On XX/XX/XXXX I called XXXX XXXX to get an update on my charges because I had paid a previous bill on XX/XX/XXXX for {$30.00} and XXXX XXXX stated I now owe EOS-CCA {$290.00}. I called EOS-CCA XXXX XXXX XXXX XXXX XXXX, MA XXXX on XX/XX/XXXX, the C/S rep would not give her name. She stated I owed EOS-CCA {$2500.00} and she insisted I set up a payment plan right then over the phone. I explained that EOS-CCA is the only collection listed on my credit report and according to their client XXXX XXXX, who I had just spoken with that morning, the amount is incorrect and not owed. I then requested she mail/send me an itemized list of the charges. She requested to put me on hold because " I want to check something ''. I agreed. She returned 5 ( five ) minutes later to verify my address and said the list will be mailed out. Also, I went over the amounts line item by line item on my credit report with XXXX XXXX XXXX and the dates. ALL dates and amounts on my credit report are XX/XX/XXXX. XXXX XXXX stated the amounts and dates are incorrect and not owed to them.
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| 06/06/2019 |
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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This company claims that I have a balance of {$260.00} with them, I have been disputing this debt because they are reporting it as in collection on my credit file, I asked this company to please provide me with a copy of the original contract which bear my signature and which it concerns the debt being collected. All that EOS CCA provide me with is a copy of a bill from the year XXXX which is not enough to validate the debt that they are trying to collect, I looked up the debt collection laws in the state of Massachusetts because that is where I reside and it says that on XX/XX/XXXX the Massachusetts Attorney general published onerous new consumer debt collection practice regulations, deeming their violation to be an unfair trade practice. It also says that these regulations, which became effective upon publication, purport to govern every business and person nationwide who engages in collecting a consumer debt ( defined as any debt resulting from a purchase, lease or loan of goods, services or real or personal property or for a loan of money obtained for personal, family or household purposes, whether or not reduced to a judgement ) from a person located within Massachusetts. Like I said at the beginning of my complaint, EOS CCA is not willing to provide me with all documents or an original contract that bears my signature that is required in the state of Massachusetts. I am including some pictures that were taken by me so that EOS CCA can read what the laws and regulations are in the state where I reside. If they are licensed to collect in Massachusetts, they should know these laws and regulations. This is not a refusal to pay, but I need this debt to be validated before I make any type of payment. If the debt can not be validated please delete it from my credit file, as it is causing my credit worthiness big damage.
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| 08/23/2017 |
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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I had an annual paid satellite radio subscription with XXXX XXXX on my XXXX XXXX XXXX for the period XX/XX/XXXX XX/XX/XXXX. In XX/XX/XXXX I was in a car accident and my XXXX XXXX was totaled. On XX/XX/XXXX I spoke with XXXX and explained the situation and asked for my subscription to be SUSPENDED until I had purchased a new vehicle to re-activate and apply the remaining service months to my new vehicle. It was explained to me on that call that the service could be suspended for up to 5 months and I need to call before the 5 months ( no later than XX/XX/XXXX ) to reassign the subscription. On XX/XX/XXXX ( before the 5 month deadline ), I called XXXX and spoke to XXXX to have the service transferred to my new vehicle, XXXX XXXX XXXX. She assured me this would be taken care. Also note, the new XXXX XXXX that I purchased came with a free trial for XXXX that was scheduled to end on XX/XX/XXXX. So with the 6 month credit from the suspended service on the XXXX XXXX and the trial period on the XXXX I should have had XXXX XXXX XXXX through at least XX/XX/XXXX. Well sometime XX/XX/XXXX XXXX shutoff the satellite radio service to my XXXX and I contacted them through a live chat session. During this live chat, my XX/XX/XXXX call was confirmed about suspending service on the XXXX XXXX. Also during that chat, I was told a refund of {$77.00} would be sent to me right away for the unused service, but I never received a refund. So I never received the 6 month service I was due nor did I receive the promised refund check of {$77.00}.
XXXX owes me at least 6 months of satellite radio or the refund check of {$77.00}. I certainly dont owe them any money. Now they have sent a balance notice to collections trying to collect {$50.00} from me??? They owe me a refund of {$77.00} or satellite radio service in my XXXX for the 6 month period.
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| 08/15/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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The following information pertains to case # XXXX : At the beginning of XX/XX/XXXX, I received an Intercept Funds Notice letting me know that {$460.00} dollars were withheld from my state taxes refund for XXXX. The agency listed was the XXXX Superior Court.
I contacted the XXXX Superior Court and talked to Ms. XXXX XXXX on multiple occasions. She told me that I owed money for a traffic violation which allegedly took place in XXXX XXXX. I explained to her that I've never even been in that area. I was asked to submit a copy of my driver 's license and my social security card. I sent them the requested documents, and they acknowledged I was not the person they were looking for.
In XX/XX/XXXX, I was told by Ms. XXXX that I'd be getting a refund of the money withheld. However, that never happened. I contacted her again sometime in XX/XX/XXXX to find out the status of my refund, but she explained to me that my money was being held by a collection agency named EOS CCA. She gave me the phone number to call them, which I did. However, every time I called them, they told me I had to talk to Mr. XXXX ( I don't have his last name, sorry ).
I called Mr. XXXX on XX/XX/XXXX, and then multiple times after that during a period of almost 4 weeks. Every time I called him, he never answered the phone. So, I left him a message every time I called him, but he never called me back. The last time I called him, I told him I would sue the collection company that he works for. I said that so that he would at least try calling me back, but that never happened.
I've spent months trying to get back the money that was withheld from me illegally, but I've gotten nowhere. In the middle of a pandemic, such as the one we are going through right now, every penny counts. Please, help me get my money back. Thank you for your time!
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| 02/08/2022 |
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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I have sent you a written request to validate my debt having account no. XXXX on XX/XX/2021.
According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, I have received no reply from you except the confirmation ( by mail ) that you did receive my request for validation of debt on XX/XX/2021. However, the credit bureaus have already sent in their " verified '' documents.
As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of {$1000.00}, which I can collect by filing a claim in the small claims court. I intend to follow through with the claim if I don't hear back from you within the next 15 calendar days.
This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character, as any negative marking on my credit report would adversely affect my credit. I hope your legal staff will agree that non-compliance with this request could lead your company to serious legal trouble with the FTC and other state/federal agencies.
I am demanding immediate removal of this account from your firm records and my credit report if reported and a copy of such deletion ( to any/all of the major credit reporting bureaus : XXXX, XXXX, XXXX, XXXX, or any third party ) request shall be sent to me immediately.
IMPORTANT : PLEASE CONSIDER THIS LETTER AS A NOTICE OF INTENT TO FILE A LAWSUIT, WHERE I RESERVE MY LEGAL RIGHT TO START LITIGATION WITHOUT PROVIDING A FUTURE NOTICE.
I am waiting for your immediate action to my requests.
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| 05/03/2020 |
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 am writing to you today concerning an account being reported by EOS CCA. I have made several attempts to rectify this matter as EOS CCA has now become unresponsive. On XX/XX/2020, I spoke with a representative by the name of " XXXX XXXX '' who provided me a fax and email address to send him a Debt Of Validation letter. It has now been pass 30 days of notifying them, and I still haven't received any correspondents what so ever.
I only asked for proof of the allege debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them the total of {$990.00}. EOS CCA is falsely reporting a debt to the three major Credit Bureaus. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting EOS CCA to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX & XXXX ) on this action. They have failed to follow the guidelines which was all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, EOS CCA are violating my rights and are also causing financial hardship with this debt being reported. We are currently in a time of a Global Pandemic with the COVID-19 virus. As unemployment rates continue to increase, access to funds are crucial for survival. This false report by EOS CCA has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and EOS CCA is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions.
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| 03/29/2016 |
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 |
Servicemember |
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I have a collection from XXXX on my XXXX, XXXX and XXXX XXXX I have never had a XXXX account I have a XXXX account, this is a incorrect information due to the fair debt act signed in 2010 by President Obama, By its very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. XXXX FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ).
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ).
Upon notice from a consumer that inaccurate information has been furnished to a CRA, the creditor must conduct a " reasonable '' investigation and issue its findings within 30 days, with XXXX 15-day extension allowed. This is the same amount of time credit bureaus have to investigate and respond to a consumer dispute. I have had a fraud protection Alert. I demand who has been paying this bill because I have never had a XXXX account EVER ... I have contacted XXXX and they have no knowledge on me in their system, called the collection agency was gave a run around talked to XXXX XXXX ID XXXX that stated he could not connect me to the number I need to be transferred to, I had a XXXX rep on the phone as well she looked up the number is was a bad number he gave me a XXXX no answer the XXXX rep called another number spoke to XXXX XXXX ID XXXX, these names sound fictions, still could not pull up any information on me by my SSI number.
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| 08/19/2021 |
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 previously had an account with XXXX back in XXXX. Upon making payment in XXXX of XXXX ; my service was disconnected days later. When I called to find out why my service was disconnected ; I was informed by XXXX that it was a mistake on their end due to miscommunication between the payment processing department and the service department. They waived the reconnection fee as a result. The following month XX/XX/XXXX, the same thing happened and when I called in to find out why service was disconnected I was given the same reason and they waived the reconnection fee again. The following month after that XX/XX/XXXX ; the service was disconnected again days after payment was made for the third time in a row and at that point I did not call XXXX back to reconnect the phone as they were in breach of our contract for not providing reliable service with payments being made on the account. This is why the only outstanding debt that is trying to be collected is an early termination fee. The reality is XXXX breached the contract so if anyone is entitled to an early termination fee ; it is I who should be entitled to collect an early termination fee from XXXX.
EOS CCA bought the debt from XXXX years later and are reporting that the account was opened on XX/XX/XXXX. The XXXX account was opened prior to XXXX and closed in XXXX. I have contacted EOS numerous times asking for them to provide a contract showing that I opened the account on XX/XX/XXXX which they have failed to respond to or provide paperwork supporting as such ( because it does not exist ). I currently have XXXX which I opened the third time that XXXX disconnected my phone after payment was already made and my XXXX account was opened on XX/XX/XXXX.
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| 09/23/2020 |
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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I had been a XXXX wireless hotspot customer for over 8 years as of XX/XX/2017 ( see Attach # 1 ). I experienced service quality issues including an unexplained account number change ( See Attach # 4 and # 5 ). I found that XXXX offered a better product, 10GB of wireless hotspot service for {$10.00} a month, compared to the {$50.00} a month for 5GB that XXXX charged. I decided to switch providers.
On XX/XX/2017 I called and spoke to a XXXX representative. I asked her to email me so I had her contact info to confirm our conversation ( See Attach # 2 ). I asked for my final closing balance on my XXXX account and then I asked her to close out my account. I was advised that the closing balance was {$91.00} and that my account would be closed. I paid the amount and XXXX deducted the payment from my XXXX XXXX XXXX XXXX ( XXXX ) account four business days later on XX/XX/2017 ( See Attach # 3 ).
I believe that the unexplained account number change may have contributed to any posting issues related to my final payment. All further contact with XXXX confirmed that my account was closed. When I went to their website it advised me that it was closed. If I called them, I was told I no longer had an account with the company and there was no invoice to pay. The {$53.00} amount ( See Attach # 4 ) they later sent to collections was either in error or would have already been included in the {$91.00} payment I made to close out the account.
I paid the collection company the {$53.00} again to stop the dispute notices, and I filed a dispute with the XXXX credit agency ( See Attach # 5 ). The bill was sent in error on an account that could not be accessed, for a service that was no longer being provided or used.
|
| 02/21/2019 |
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 |
Servicemember |
|
After sending certified, return receipt letters to XXXX on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report that there is an account in collections with Eos Cca, account # XXXX. I requested that I would like some type of verification for the supposed debt that was bearing my signature, and I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. Waiting over 30 days ( which is how long XXXX is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received any type of verification of any kind, let alone any type of verification of the supposed debt that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately.
Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
|
| 11/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I left the country on XXXX of XXXX but before I cancelled an account I had in XXXX XXXX XXXX because I 'm going to back to the XXXX to finish my studeis. I knowing that everything was fine. I stayed there untill XXXX but I came back to the XXXX in XXXX of XXXX and XXXX of XXXX. The both times I came to visit I stayed at our house that my family owns since XXXX. None of those times I came back did I get a letter from XXXX XXXX XXXX of any delinquent account I have from them or did I get any messages. I moved back to the States in XXXX with my fianc and opened another cellphone account from XXXX XXXX XXXX. It was a couple of months later that I started getting phone calls from different number on my new cell phone. The person that I talked sounded like she was scamming me because she was from a debt collection company said that I owe them money and asked how I want to pay for it without a thorough explanation. I was skeptic because my mother has been getting calls from a guy pretending to be a cop and asking for money. I never paid attention to their call until I saw my credit score go down. I 'm planning on purchasing a car and I 'm afraid with a credit score that I have now I wo n't get a good deal. When I talked to XXXX if their representatives they allegedly said that they 've been contacting me since XXXX after XXXX XXXX XXXX transfered them my account which I highly doubt because I was in town in XXXX and my mother has been here the whole time so she would 've gottten their message or even from XXXX of XXXX XXXX XXXX 's representatives way before they transfered what I owe to EOS CCA debt collection company. What I owe is not thousands of dollars but it goes against my morals
|
| 09/08/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
A few years ago I had a private student loan payment with a debt collector called XXXX XXXX. It went to a debt collector because XXXX XXXX XXXX went out of business, and I was unable to locate them to set up repayment after I graduated. I paid XXXX XXXX XXXX for a little over 10 years, and no interest was accruing at the time. I had to get a new debit card, and unfortunately my payments were being taken from my old one, so I defaulted. I called to set up payments as soon as I realized a few weeks after the missed payment, but they had already sent it to another collection company, EOS CCA. EOS CCA sent me a bill for thousands of dollars over the amount I owed with the previous company, so I stopped payment with them, and requested the promissory note they have on file. It shows that I only had a loan for {$10000.00}, which is the amount I had already paid to the previous company. They are claiming that the over {$13000.00} they are trying to charge me is for interest. I sent them a dispute letter, along with all of the documentation I have as far as payments I made the the previous company and the promissory note via fax and mail. I received another bill from them this year, for a much higher amount, and I called them in XX/XX/2022 to ask about the balance, and tell them that I had already provided them with documentation that says I do not owe this money. They want me to resend it, and I am confident they are going to keep " not receiving '' my dispute documents until I get someone else involved. They refuse to contact the previous company for the payment information, and to put it on my credit report so I can send the documentation to XXXX for a proper dispute.
|
| 02/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This is a complaint that I thought was done and over, I just received another collection letter from a Century Link collection bill Via : EOS CCA, Collecto, Inc. I never received the modem or the services at that time that these charges occurred. I am currently a XXXX XXXX customer and thought this issue was resolved until I opened my mail yesterday. I placed an order to XXXX XXXX back a few months after I moved into my home in 2014. I went months without internet if it was n't for convenience, and it was inexpensive enough I thought. I do n't really do anything but watch movies and pay bills with it, I 'm not on any social media, I 'm not a gamer. Ironically I am using XXXX XXXX right now to type this. This bill has been ruining my credit for years and I did n't know it. I Ordered XXXX XXXX in 2014 the modem was supposed to be sent out, It was never sent out, someone was supposed to check my service outside only, at no charge they said they had n't made before my first call. They even said they were going to expedite my services to that weekend I would get my modem in 3 days. I was busy working I almost forgot about it completely until I really needed the service I called and asked the lady what happened I thought the modem got stolen off my door step, she said she would check my order " it was never even sent out '' and they would send it and it would be " Expedited '' again, it did n't arrive again ( huge fail ) it was over a month until services started. Long story long They tried collecting in the past and realized their mistake apologized made up for it a little then made the same mistake a little over a year later and continue to ruin my credit.
|
| 02/21/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
This company, EOS CCA, has been calling my XXXX adult daughters and myself, all times of day and night, even before XXXX XXXX., harassing me about a bill that was 'charged off '' in XXXX. The amount was {$3600.00} at the time. It is for a financial aid overpayment in which the account should have been placed with my consolidated account with XXXX. EOS CCA is trying to collect {$6600.00} from me now. I made a couple payments on this account, but I was still in graduate school and was not working for a salary, which means I was interning. The State of California took my state refund that year toward this debt. When I began working, I contacted XXXX XXXX XXXX to begin making payments but was informed this account was charged off. I have been paying on my other student loans, through XXXX, for the past 2 1/2 years with no missed payments. I began getting calls from this collection agency about 2 months ago. They use threatening tactics, but they are calling my children and telling them my business about this matter. I want this stopped immediately and I want them to stop calling to threaten me about an account that has been closed and I no longer owe any money on. This is fraudulent collection practices, harassment, and elder abuse. I am not working because I am preparing for XXXX-XXXX XXXX and haven't worked since XX/XX/XXXX. I probably will return to work XX/XX/XXXX, but I fear they may try to attach my wages. I need to file my taxes but am afraid they will attempt to take my refunds for a debt that has been resolved. Although I receive XXXX, I am afraid they may try to attach this as well. I need your help with this matter immediately, thank you.
|
| 10/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
To whom it may concern : This letter is being sent to you in response to the above reference account that EOS CCA, has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested.
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence.
Please provide me with the following : What the money you say I owe is for.
Explain and show me how you calculated what you say I owe.
Provide me with copies of any documents that show I agreed to pay what you say I owe.
Identify the original creditor.
Prove the Statute of Limitations has not expired on this account.
Show me that you are licensed to collect in my state.
Provide me with your license numbers and Registered Agent.
At this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS CCA, for the following : Violation of the Fair Credit reporting Act.
Violation of the Fair Debt Collection Practices Act.
Defamation of character.
|
| 01/17/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/2020 EOS CCA allegedly took over my student loan debt, however I was never given information as to how or why this happened. This company is a scam. Its a disgrace. After not contacting me for several months, I finally got in contact with the company and made an income-based payment plan in order to protect my co-sign and his ability to buy a house. Theyve refused to comply in sending a written confirmation of my debt or payment history, something my co-sign needed in order to close a mortgage. Their online payment portal has inaccurate information about my payment history. Theyve neglected to update my credit report to include details of my payment history despite multiple requests.
Theyve illegally spoken to relatives of mine regarding my debt without consent.
Theyve denied service to me when Ive called to manage my debt, saying the right employee was not available, the person with access or ability to handle my complaints or requests was out of office, or by saying that the company was in transition and my information was not readily accessible. After several phone calls in which representatives lied about sending me emails, written letters, and faxes, the company has now fully ghosted me. The last I called they said they had no knowledge of my account in their system and it must be a data entry issue. I dont even know what to do here. This account is ruining my credit and has ruined my relationship to my co-sign, who is like family. This company is ruining my life. All of these requests were made and I was lied to with agreements on recorded phone lines. It is just so ridiculous. I just want it to go away.
|
| 05/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
AS EOS IS NO DOUBT AWARE, I HAVE REQUESTED THAT VALIDATION BE MADE ON THIS ALLEGED ACCOUNTS INFORMATION, I DID NOT REQUEST VERIFICATION OF THIS ALLEGED ACCOUNTS INFORMATION. EOS HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO YOU BY LAW.
EOS HAS NOT PROVIDED ME WITH THE FOLLOWING INFORMATION IN THE TIME FRAME ALLOWED TO YOU BY LAW.
THE FOLLOWING INFORMATION HAS NOT BEEN PROVIDED!
What the money you say I owe is for.-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!
Explain and show me how you calculated what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!
Provide me with copies of any documents that show I agreed to pay what you say I owe-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!
Identify the original creditor-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!
Show me that you are licensed to collect in my state-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!
Provide me with your license numbers and Registered Agent-HAS NOT BEEN PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!
At this time I will also inform EOS that your offices have reported invalidated information to all XXXX of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative marks that have been found on all of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS.
|
| 09/11/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
This debt was done XX/XX/XXXX, on or about XX/XX/XXXX I was contacted by XXXX about the account that was delinquent via a letter. I contacted the office and send in to then the documents that I did not have an account with them that I was with XXXX wireless. The company at that time stated that my name was used to open an account, I at that time requested that information used to verified my identity and was not giving any documents. Later in XX/XX/XXXX XXXX sold the account to a collection agency, I also send to them the a copy of the police report with the identity theft information the credit company at that time removed this information from the record. I recently order a copy of the credit record and there is information there from this company EOS, collection. This company as recent as XXXX purchased this account and is reporting information that is false and incorrect. The company has very wrongful information on the record. Information that is relative important in order to properly identified me. Such as the DOB, Mailing address, when I request this information from them they refuse to provided me with the request. I have requested that they send me the documents used to obtain this account, name used, dob, and address. also prove that I owed this money XXXX. I have not yet received any information, instead I have been receiving phone call since know they have my phone number. I have contacted XXXX and there is no record of such account number, nor there are any records of any phone call ever made. There are no bills. So I ask why is this collection agency harassing me for monies that I do not owed..
|
| 05/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
EOS CCA ( Original Creditor : XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first XXXX initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament.
Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX. Now that I contact this company about this alleged debt there is no response??
furthermore EOS CCA ( Original Creditor : XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
|
| 12/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I Had moved from my previous address in XX/XX/XXXX of 2018. I spoke to a few representatives and there were several issue at the time. I had owed last months bill which was paid. I also had several issues with paying that bill as well at the time because the amount was outrageous and could not be justified by XXXX XXXX. I believe my bill was mixed up with my ex-husbands name XXXX XXXX who had previously moved out and our bills where intertwined at the time. They also stated he had another bill, but I was not interested to hear his other account info. I went back and forth several months after I moved, and was going to pay because it was on my report, but one of XXXX XXXX associates I finally spoke to saw their was a discrepancy on more than one of my bills and stated that it would be taken care of and it was removed from my Credit Report at that time. I'm in the process of buying a new home and I pulled my report and saw it was back on my account almost 2 years later still trying to get the bill pushed for payment? I will not tolerate this injustice of playing around with someone SSN as they removed it knowing it was an error on their part and then removing it to then trying to slap it back on my credit report to get a payment that ' not mine. I refused to be bullied into making someone else 's payment or just their billing depts error for their profit of {$1100.00} for a utility bill, that's an insane $ amount for a monthly payment for anyone. If they allowed that amount to go on that " their fault for allowing someone's bill to get that high and should be criminal if they think that will be accepted.
|
| 07/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX, XXXX I called EOS CCA loacted via XXXX XXXX XXXX XXXXXXXX, XXXX MA XXXX, with a phone number XXXX and spoke to a XXXX at about XXXX and told her that I had recently received this letter/statement with a demand to pay dated XXXX XXXX XXXX and that I would like to orally dispute the debt. It stated that the debt was for {$280.00} for original creditor XXXX. I informed XXXX that I do not know anything about this debt and that I saw they had placed the information on my credit report where she then informed me they do n't really have to verify any debts. They place the debt which they purchased from XXXX on XXXX XXXX XXXX. I informed XXXX that the collections is reporting XXXX XXXX XXXX and that it is negatively impacting my credit and Id also like the to provide me with a copy of the contract she now claimed that I signed with them. She then stated well we purchased the debt from XXXX and now you owe us. I asked XXXX to delete this collections they have placed on my credit she said they would not until I paid. I asked her what actions they will take about my oral dispute XXXX stated that I need to put the dispute in writing and that is the only time they will pay any attention to me. XXXX also stated they sent prior communication some time in XXXX that I never received. I asked her then if they purchased this alleged debt XXXX XXXX XXXX why did it report XXXX XXXX XXXX and why am I only now receiving this communication? XXXX stated she did not know but I can put my dispute in writing and they will leave the collections on my credit report and that they bought the debt so I owe it.
|
| 11/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX, I co-signed for my son for cable tv with XXXX XXXX while he attended University XXXX XXXX. He left school in XX/XX/XXXX and we cancelled the cable account. However, he did not return the cable equipment thinking that the cable company would come and pick it up ( he was XXXX at the time ). XXXX XXXX sent the bills to her campus address and they were not forwarded to our home address. It was turned over to EOS CCA and they contacted me and I immediately paid them in XX/XX/XXXX. The problem is that EOS updates this account every month and it appears to the credit bureaus that is was just recently paid which is adversely affecting my score by 60-70 points. I have contacted XXXX XXXX XXXX ( which has been purchased by XXXX XXXX XXXX and they have no record of my account being delinquent and have told me ( I have spoke to them 4 times ) that the would remove the reference from my report. I have followed up with EOS CCA and asked them to remove the reference since the original creditor agrees it should be removed but they refused. I then asked them to show the date reported as XX/XX/XXXX which would then not adversely affect my score and they refuse to do that as well. I have spoken to them 4 times as well. I don't dispute the reference but I feel the way that they update the account every month is unfair and severely adversely affecting my score forcing me to get higher interest rates than I should be receiving. The rest of my credit is perfect and my revolving accounts are paid in full every month. This type of reporting must also be adversely affecting other people in the same way.
|
| 02/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was a customer of XXXX for a period of about 3 months at the XX/XX/XXXX/XX/XX/XXXX. I was subscribed for DSL internet service from them, but starting the first month I had severe latency and speed issues with the internet. I was told by XXXX that they were in the process of upgrading lines in my area and they credited my account in full for 3 months in a row in order to retain me as a customer. The service was almost completely unusable for my purposes, and after the third month I asked to close my account. XXXX complied with this and closed my account with a {$0.00} balance and I returned my equipment to them. Starting in XX/XX/XXXX I began receiving collection letters from EOS CCA for a purported debt that was originally held by XXXX totaling {$190.00}. I began getting harassing and threatening phone calls. When I tried to explain that this debt was not valid, I would be threatened for it to be reported to the credit bureaus. I gave them a verbal cease and desist and stated that if they did not stop calling me on my personal cell phone I would pursue harassment charges. I mailed a cease and desist letter and I also included a statement of no outstanding debt I obtained from XXXX. The calls and letters stopped. However, today, 4 years later, I have received another settlement notice from EOS CCA asking me to settle for {$110.00}. To date this still has not been reported to any credit bureaus, but I am not willing to deal with EOS CCA directly as I have already demonstrated that I do not owe any debt and that I never did. If this continues I will pursue litigation for harassment.
|
| 06/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello CFPB. EOS CCA is threatening my credit along with XXXX regarding a debt that I do not owe to EOS CCA nor to XXXX. EOS CCA and XXXX are jeopardizing my credit by making me pay for debt that I am not owed to pay. The merchandise was not received and I have proof. My packages contained paper instead of my phones. LEGALLY I AM OBLIGATED TO PAY FOR WHAT I ORDER. LEGALLY I AM OBLIGATED TO RECEVIE WHAT I ORDER AND IN THIS CASE I DID NOT WHICH I HAVE LEGAL PROOF OF WHAT I RECEVIED AND I HAVE LEGAL PROOF OF MY POLICE REPORT AND I HAVE LEGAL PROOF WITH THE REFUND CONFORMATIONS THAT XXXX EMAILED ME DUE TO THEM CONFIRMING THAT THE ITEMS WERE NOT RECEVIED WHICH THEY WERE NOT AND I HAVE PROOF. I ORDERED XXXX FOR OUR WORK AND DID NOT RECEIVE THEM. XXXX confirmed the phones had no usage in my name nor there was any calls on the devices and XXXX informed me that they have blocked the XXXX so no one uses them and they have issued me refunds. I have all my legal documents proving i am not responsible to pay for a debt when I never got the items. I have also filed a police report with the XXXX which I will attach. EOS CCA and XXXX needs to cease this invalid debt because I am not responsible to pay for something when i never received my items. mY ITEMS THAT I PAID OVER {$13000.00} FOR I NEVER RECEVIED AND I HAVE PROOF ALONG WITH MY XXXX REPORT. THIS DEBT REMAINS UNVALID AND I HAVE NOTIFIED XXXX REGARDING THIS. EOS CCA AND XXXX NEEDS TO STOP HARRASING ME AND ASKING FOR MONEY THAT IS DEEMED NOT OWED TO THEM AND I HAVE LEGAL PROOF. CFPB PLEASE RESOLVE. PLEASE SEE ATTACHED POLICE REPORT. THANK YOU.
|
| 06/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Collection dispute involving EOS CCA Date Opened : XXXX XX/XX/XXXX For an account balance of {$260.00}.
I believe this was for a bill from XXXX XXXX in or around XX/XX/XXXX for my previous residence at XXXX XXXX XXXX, XXXX VA. My account was on auto-pay with the company at the time. I was XXXX to another state ( I am military and can produce orders of the move if asked ), and turned in my internet / cable equipment to the store at XXXX XXXX XXXX XXXX in XXXX, VA on or about early XX/XX/XXXX.
I asked the attendant there if any additional charges would be leveraged when I turned in the equipment. He said no, but they may charge one final bill after assessing it. I said my card was on file with autopay and they could charge me via autopay. He said they would and I left. I did not know this account was overdue until XX/XX/XXXX when it was in collections and had showed up on my credit report.
I immediately called the collections manager and told them what had happened. I would be willing to pay the amount due if they could give an itemized list of what I was charged for additionally considering I had turned the equipment in to XXXX. They said they would mail me the bill. When I received the bill it was just for the amount due. The creditor stated that I would need to call XXXX for a resolution to the issue of itemization. When I contacted XXXX, they stated that they do not handle accounts in collections.
I do not believe the amount of {$260.00} dollars is the actual amount I owed. I turned in the equipment as required and my monthly bill was around 80 dollars a month.
|
| 08/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted this company 3 times asking them to verify that I owe this debt according to the FCRA. Not only have they failed to respond in the required time frames, but they also never sent evidence or proof that I own this account. They have stated on my credit reports that I owe a debt of $XXXX, with the original creditor being XXXX. The 1st letter I sent advising that I was disputing that debt upon noticing it on my credit reports dated XX/XX/XXXX, they signed for and received as shown by the mail receipt on XX/XX/XXXX. I never received a response. I sent 2 more letters dated XX/XX/XXXX andXX/XX/XXXX, to which I never received the return receipts nor a response from the company providing verification of this alleged debt. Per FCRA, a dispute is supposed to be investigated and given a response upon 30 days of receiving notice, and they are in direct violation. The creditor also supposed to provide proof or verification of the account providing an original signature or contract showing ownership of the debt owed and they have also failed to do that. I have now received a billing/settlement statement from them dated XX/XX/XXXXXX/XX/XXXX, stating that I owe a debt of $XXXX, and this is also not what is reported on my credit reports. I want this item removed from all 3 bureaus as this debt is unable to be verified and is incorrect. Also, upon review of my XXXX report, this same debt is showing as a charged off loan instead of a collection. This is very inaccurate since the other 2 reports show this as a collection and shows a serious error with their reporting.
|
| 06/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have had this company call me numerous times. I have told them over and over that I can not pay right now. I have XXXX kids and I can not add another monthly payment to my bills. I have been doing credit counseling and have started paying my debts XXXX by XXXX.
Today XXXX XXXX I received a call from EOS CCA for an old XXXX account. I have to make sure the amount is correct with XXXX XXXX XXXX since I have been reading about a lot of scamming from this company.
The person on the phone said I needed to make payment arrangements. I told them I could not at this time. Supervisor gets on the phone and tells me that he knows I have kids and a job so I should be paying my bill. I told him I am saving up for something more important at this time and it would have to wait. He says what could be more important and I said marrying my wife.
And he asked me numerous times how I am paying for my wedding and that my debt is more important.
Examples being " How are you paying for that? '' I find that very offensive and harassing.
I am highly upset. I do n't feel it is right for them to ask me how im paying for my bills and how im taking care of my family.
I have been working on my credit. My whole tax return goes to debt every year. Im trying to raise my credit.
I do not want to deal with these rude people. This is insane to me to be spoken to by a debt collector in such manner. This is not the only debt I have. I went from XXXX on my credit report to XXXX so I am working on it. I do n't appreciate this kind of harassment. This has made me extremely upset and angry.
|
| 11/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
|
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Hello. This is not a debt. This bill was paid to XXXX in XXXX XXXX. What happened was they said they would send me a check for the balance they owed me because I cancelled my service, and it was pro-rated. I was not under a contract. That was in XXXX XXXX. I waited and waited, but no refund ever came. I contacted my credit card company in XXXX XXXX, and they reversed the original XXXX payment back to my card. Then, the next day, I received a check from XXXX in the amount of {$38.00}. I was like fantastic. I called my credit card company back, and told them to re-charge my card with that amount, that XXXX had issued me a credit. They did, and I thought everything was taken care of. Then, in XXXX XXXX, XXXX sent me a bill for that same amount, {$38.00}. I called them, and they had me basically transferred around to about 10 different people. When I did speak to them in XXXX, I was told that XXXX does not give refunds to customers for services that they do n't use when they cancel their services. '' What this meant was they bill you an amount, and if you cancel, even after 1 day, they keep your money. I sent them proof from my credit card company, statements. I even had XXXX XXXX XXXX on a 3-way call with XXXX, and they said a supervisor would call me back. It 's been 12 months and counting. I paid this bill. I have the proof, and XXXX, nor the XXXX other nasty credit debt collectors would listen to me or look to see that I paid them. Now, this balance has been passed to a 3rd debt collector with a 'settlement amount '. I do not owe this money. Thank you.
|
| 07/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
|
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EOS CCA contacted me in reference to debt that I did not know I could contest and do not owe. I have asked them for verification of debt like a contract between parties or a wet signature they have not provided me, therefore they have vilolated my rights by accessing my report under flase pretense and misrepensentation.
In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
|
| 07/05/2016 |
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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This letter is being sent to you in response to the above reference account that EOS CCA has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN REQUESTED!
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence.
Please provide me with the following : What the money you say I owe is for-HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED BY LAW!
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED BY LAW!
Identify the original creditor- HAS NOT BEEN PROVIDED IN TIME FRAME ALLOWED BY LAW!
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED TO THEM BY LAW!
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED TO THEM BY LAW!
Provide me with your license numbers and Registered Agent- HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!
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| 02/09/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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EOS CCA alleged that I owe them {$32000.00} for student loan debt that they claim they purchased from XXXX XXXX , XXXX EOS CCA REFUSES to provide me with an account statement or any type of written communication to validate this debt. I have asked for such validation in writing on two occasions, via certified mail, in XXXX of XXXX and again today, on XX/XX/XXXX. Today, I again, spoke with XXXX at EOS CCA, who informed me that she could not provide me any account statements or any other such documentation to validate this debt. I have paid monthly payments to EOS CCA for this debt each and every month from XXXX of XXXX through now, XX/XX/XXXX. EOS CCA refuses to provide me with any documentation that reflects receipts of those payments or that such payments have been credited to my account. On XX/XX/XXXX I obtained copies of my credit reports from all three credit bureaus, XXXX, XXXX and XXXX. None of my credit reports reflect any debt owed to EOS CCA.
In summary, EOS CCA has refused to validate this debt, despite my written request for them to do so on two occasions, via certified mail, EOS CCA has refused to provide me with any account statements for this alleged debt, EOS CCA has refused to provide me with any documentation that they have credited my account with the payments I have made to them each month from XXXX of XXXX through XX/XX/XXXX, and EOS CCA hasn't even reported this alleged debt owed to any of the credit bureaus. I have absolutely no way to know if this is in fact a valid debt. Please help me.
|
| 06/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
Within literally minutes of opening a new cell phone account and number with XXXX XXXX ( KY ) is received a phone call from XXXX. I did not answer but when I got another call several days later I returned their call to see what it was about. I spoke with a " customer service representative '' named XXXX, who refused to give me any information until I provided him with my name and phone number. He said their call concerned " personal and private '' matters. I could not get any additional information from him. I insisted that he connect me with a supervisor and after several minutes on hold he did so. They identified themselves as EOS CCA, and I finally figured out that they were some sort of a debt collection company, but the supervisor would not provide me with any information about the reason for their calling me. He was very evasive when I asked him direct questions about how he got my phone number and why they were initiating this phone contact with me. I finally insisted that they take me off their call list, which he said he did. I told the supervisor that I expected they would NOT ( emphatically stated ) call me again and that I would be filing a complaint with an appropriate government agency. It is amazing to me that they would call me so soon after opening a new telephone account with a company I had never previously done business with. Incidentally my credit rating is impeccable and I am debt free. Interesting to say the least. Are they legitimate or scammers. The are inconsiderate in the least.
|
| 08/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Checked my credit report XX/XX/18 and noticed a collection account of {$73.00} placed by EOS CCA for an unpaid XXXX bill. I called and got my account number - XXXX. I called XXXX to verify the information because I have never been a customer or had an account with them. XXXX checked the account number, my name, DOB, SSN, address etc., and could not find anything associated with myself and they said the account number had never been active. They also told me that they do not turn over their collection accounts to EOS CCA.
I called EOS CCA back and spoke to XXXX who claimed he was a manager. He was very hostile and told me that if I didn't pay this account today they would " sue my XXXX off ''. I asked him to verify the identity of the person associated with my account and he refused, he just assured me that it was mine. He repeatedly asked me to give him my social security number which I refused to do. I told him that if this account was actually associated with me they should have my SSN already. He also refused to give me any information like his last name, employee ID number or send me to a higher level manager. When I told him that I verified the information they had with XXXX and that it was indeed a fake account and that XXXX does not give their accounts to EOS he hung up on me.
I had never received a call or any correspondence from EOS CCA regarding this account, I just happened upon it when checking my credit report. I disputed this account with the credit bureaus and it was quickly removed.
|
| 04/03/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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My first call with them was very abrasive I had no idea that my account that was joint with my XXXX aunt had been sold to a 3rd party collections. I received no written notification just a report on my credit report and then the calls started. The agent was condescending and gave me no information just wanted a payment the call was disconnected. They have continued calling me 2 to 3 times every other hour from different numbers. My credit report is showing that the have charged almost 93 dollars in addition to the original loan and they are reporting to the credit bureau more than 1 every 30 days. The dates reported are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original loan amount sent to them was XXXX. They are saying I owe them over the course of my alleged acct being with them 4 months, according to my credit report, XXXX. Still no written report have been sent to address although confirm with the agent and the calls have continued. Prior to the account being sold XXXX XXXX harassed not only me but my sick aunt and called multiple times an hour within one day and through it all I didn't even know it was illegal until recently. They were telling her they would come take my degree, I would be arrested, they would garnish my wages and her SSA, they were going to send government officials to my door. This has been trying considering she XXXX shortly after those calls and now I'm grieving her death and this mess with the EOS CCA and XXXX XXXX.
|
| 08/13/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have made multiple attempts to pay this bill online using a number of varying combinations of the client account and zip code information that was provided to me on the notice I received dated XXXX and am getting a error message stating that the CUB and/or zip code is invalid.
Pursuant to the grossly inaccurate account and customer information provided to me by this organization for use in employing the advertised on-line payment options on the notice dated XXXX, it would appears as though this organization is actively and knowingly employing deceptive and misleading business practices that are not in compliance with the XXXX Fair Debt Collection Practices Act.
Furthermore, during a conversation with an agent on XXXX/XXXX/16 when I stated that I was intending to pay online, I was solicited to provide credit card information over the phone to the agent rather than pay online and was told that sending a payment by check would not satisfy the amount due as interest was collected each day.
In order for customers to fulfill their obligation in a timely manner and prevent any further interest or derogatory actions, organizations must provide customers with the correct identifiable information by which to employ the advertised payment options methods.
When I sent an email to the advertised address on this organizations website as a formal request for the organization to provide me with such information for use in paying the account balance online and without any further delay, it was rejected.
|
| 08/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I noticed an account on my credit file of which I was not aware of, I contacted EOS CCA to ask for debt validation 3 times and they have not responded. I contacted the BBB and EOS CCA said they would send debt validation within 10 days they have not done so to date. I reached out to the credit bureaus and they informed me the debt was verified, how is that possible when the company EOS CCA who is reporting the debt is not even the owner of the debt? Furthermore, the company claiming to be the current owner ( XXXX XXXX XXXX ) is pretending to be a lending institution, who is claiming I took out a loan or some type of credit with them, which I did not. Isn't it against the law for a collection to try to collect a debt that they can not prove they own or is assigned the debt by the original creditor? EOS CCA is not the owner of this debt, I have attached a bill EOS CCA sent listing XXXX XXXX as the current creditor and certified mail receipts which shows they received my request for debt validation. They listed XXXX XXXX company as the current creditor which is a lie because XXXX XXXX is not a lending institution. I have tried to contact XXXX XXXX XXXX and was unable to get an address or phone number. I have never done business with either of these company who are claiming that I owe them money. I do not owe these companies any money and I don't have any affiliations with them! They are collection companies operating under false pretense as creditors to scare or scam consumers into paying them.
|
| 09/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Someone used my social security number to create a fraudulent account through XXXX during the dates of XXXX. XXXX - XXXX. XXXX and now I owe a XXXX bill that the EOS CCA collections agency purchased from XXXX.
Years ago ( XXXX ) I contacted XXXX and was told by them they have no litigation on this matter since EOS CCA purchased the debt. I contacted EOS CCA and they told me I have to prove that I did not live at the address where the XXXX debt occurred ( XXXX XXXX XXXX XXXX XXXX XXXX and the tenants name XXXX XXXX during the fraud dates ) I sent mailed them the documents that proved I never lived at that address and the credit calls stop soon after that so I assumed it was resolved.
I recently found out that they never resolved it and my credit is still being negatively affected. I called them once again today ( XX/XX/XXXX ) and they told me they never received any documents and that their data is showing this is the first time I have ever called which is untrue. They are mailing me a fraud packet that i must fill out and enclose a police report ( which I am currently working on ) and a written letter about the dispute and send it to them within 30 days.
I am contacting the CFPB because I doubt they will remove the debt since they seem to lie or forget about all the calls ive made to them and the proof documents. At one point EOS CCA even accused me of creating the fraud telling me I could have given away or sold my social security number effectively implying that I am a criminal.
|
| 03/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I separated from my husband we both had our phones through XXXX XXXX I took my phone and assumed responsibility. That point I had it for a year I change companies to XXXX had them walk me through each and every charge and how to get out of that phone. Paid that amount and 2 months later I receive a huge bill. As soon as I receive this bill I contact the company go over it they said that there are now new fees that are going to be attached. At that point I completely disputed the bill. No form of dispute took place with this company I could not fight the charges there were no steps for me to take I put a dispute in with my credit reporting agencies and it still stands that way now this was almost 7 years ago they're not allowed to be on my credit report after that time. So they have chosen to sell it to another company and they're reporting it as a new debt only thing on my credit report I refuse to pay it because this was a wrong practice in the first place! Now this company is harassing me I mean from phone calls to letters in there different phone numbers every time. Even though I say I dispute it that they're not allowed to report it to my credit agency that they are not the ones that had their debt and mine has been just how can they sell a disputed item anyway? Nothing has taken place for me to even have a stand to dispute! XXXX XXXX is the new company the debt they are reporting a {$660.00} debt when I paid every single one of my fees to get out of that contract I can't do it!
|
| 08/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In late XXXX of XXXX EOS CCA sent a letter regarding a debit owed to XXXX. Upon receipt of this letter I called this company as my only account with XXXX is paid and up to date. My immediate reaction was to request proof of this debt to resolve this issue as when I called XXXX they had no record of this. This took place XXXX XXXX, XXXX. Following that conversation I heard nothing from this company until this week, when I received a letter date XXXX XXXX, XXXX that provided a copy of a bill for service in the amount of XXXX dated XXXX XXXX, XXXX. This bill not only lacked any detail to identify what services were in theory provided, but also was for service that I never lived at or received services at. When I brought this to the attention of XXXX, they said they could do nothing as they had already sold the debt and it did not matter that their error caused this. I spoke with a XXXX XXXX and XXXX XXXX ( XXXX ). I was supposed to receive a call from a XXXX XXXX but have not received a call. When I spoke with EOS CCA. They did provide me with an extensive amount of work to do to correct their error, but their only acknowledgment of the delay was it was how long it took their customer to provide the proof. Additionally, they refused to provide me an accounting of all the people that had access to my PII. When I asked for supervisor in their consumer relations department I was promised someone would call me back, an XXXX XXXX XXXX XXXX XXXX, within 24 hours. This was 3 days ago.
|
| 01/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I found out that there was a XXXX account in collections under my social in which I have NEVER IN LIFE had XXXX. I contact XXXX and let them know several times and XXXX kept telling me the collection agency had the account and that I needed to let THEM know in order for XXXX to be removed. I have filed disputes against both this company and XXXX in which neither has followed protocol for theft/unauthorized use of information. THE ADDRESSES they have attached to this account I have NEVER LIVED AT and they are in a state in which I have not lived since I was XXXX XXXX XXXX! A minor so it is impossible for me to have had XXXX XXXX in a place that doesnt even OFFER XXXX XXXX have I ever give anyone permission to use my information at ANY TIME for ANY REASON. This is absolutely unethical and I demand this be removed immediately. THIS DOES NOT BELONG TO ME AND THEY KNOW IT DOEST AS I HAVENT LIVED IN THE STATE IN WHICH THIS ACCOUNT IS XXXX ACHED TO IN XXXX XXXX YEARS. And I also NEVER LIVED AT XXXX ADDRESSED ASSOCIATED WITH IT EITHER! I have never had XXXX XXXX HONE CABLE NOTHING! And ALSO when I contacted XXXX to find out more information I found out that the date this company was reporting wasnt even the opening date of the fraudulent account! So not only is the original account fraudulent to begin with, this COLLECTION AGENCY HAS ALSO FRAUDULENTLY SWITCHED THE DATES XXXX MAKE IT SEEM MORE. XXXX XXXX IS EVEN WORSE! TAKE THIS OFF NY XXXX XXXX NOW! THIS IS A VIOLATION!
|
| 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 |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. 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. 200 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.
|
| 09/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon reviewing my credit report on XXXX 's website I notice that there was a charge of XXXX posted by EOS CCA collection referencing XXXX internet company - XXXX, az XXXX. I called XXXX and talked to several representatives concerning this charge and each time they stated that not only do they not have a record of this charge but they also have no record of me anywhere in their databases. I open up several disputes with XXXX stating that this entry is not correct and needs to be removed immediately. Each time XXXX responded with entry being valid and nothing else. The last disputed response from XXXX was the following : EOS CCA Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).
Reinvestigation Information 1. there is no details, no explanation.
2. No entry as to how the entry was certified.
3. The account and the account number mention on this account is not recognized by XXXX.
4. XXXX stated that if I had any type of account/business with them from the past then I would be found somewhere in their database - Nothing was found.
5. XXXX only allows one dispute entry.
This is a false entry on my credit report that needs to be remove immediately and yet, XXXX refuses to do so.
|
| 02/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
EOS CCA a Debt Collection Agency put a debt collection report on my credit reporting in XX/XX/2021 with a mailing address of XXXX Ct, XXXX VA, a XXXX debt of {$260.00}, which I was never contacted via mail or phone call regarding this alleged debt from XXXX or EOS. I never lived at XXXX or had a XXXX account ever. I don't even know anyone that lived at that address. They have on my credit report the XXXX bill is from XX/XX/2021, I have lived at my current address for over 6 years. I have never once received any letter or calls from this debt collector claiming I owe this alleged XXXX debt prior to them putting it on my XXXX credit report. I discovered it on my credit report in XXXX and called them to provide all information regarding this debt, after 30 days, I then disputed with XXXX credit agency and it was removed from my credit report because EOS CCA never replied to them within 30 days the law allows. XX/XX/2021, they put it back on my XXXX credit report this time with a mailing address of XXXX XXXX XXXX VA that I haven't lived at in over 15 years, again no call or mail from them. I reached out to them again via phone call and they refused to give me any information just stating I owe this debt. I am once again disputing it with XXXX, however, if they are doing unethical and illegal debt collection practices, this is not going to go away, even if XXXX removes it again, my fair is it will continue to be placed back on my credit report.
|
| 09/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone opened a XXXX account under my name from an address I was no longer living at. I had reached out to XXXX to dispute the debt and was told a technician did some work outside the home and all calls were rerouted to a number I never had. XXXX rep had informed me that they will remove the charges then. The first debt collector called and threatened to have me arrested. I submitted a complaint on them with FTC.gov. Now I have another debt collector for the same issue requesting information that is impossible to get because this issue occurred more than 10 years ago. They just keep writing and updating the debt. I refuse to pay for something I did not do and would like for EOS CCA to stop contacting me for a fraudulent account that happened over 10 years ago.
Now they are requesting a police report. The police told me to file a complaint and report identity theft on the FTC.gov website in which I did. I am not sure if the landlord who owned the home is still there. I had moved out of that residence since my vehicle accident in 2007 but still had mail go to the address until I found a stable home during that time. When calling the police station I went to, I was told there is nothing they can do. So it is impossible for me to get the information they are requesting.
I feel this harassment for payment that is not mine and want it to stop.
The collection company harassing me is once again EOS CCA, XXXX XXXX, XXXX, MA XXXX.
|
| 06/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I recently realized that a collections agency is reporting a debt on my credit report.
The collections agency is called " EOS CCA '' and the " original debtor '' is XXXX. The collection was reported on XX/XX/XXXX in the amount of {$670.00}.
I have been trying to get information from XXXX and in speaking with them, I was told that this debt was included in my prior bankruptcy. ( The acct number XXXX 's bankruptcy dept gave me is XXXX however I was later told by another XXXX rep in their credit reporting department, that this is not a valid account number ).
I have already disputed the debt with XXXX which resulted in a verified debt.
XXXX however says that they have " escalated '' this issue but I have yet to hear back from them and it has been 3 weeks since I first initiated contact w/XXXX. I have left messages each week to have the supervisor call me back that I first spoke with at XXXX. She told me 3 weeks ago that she would get back me but she did not. I called her again onXX/XX/XXXXand left a message ( did not hear back ) and I called her again today ( XX/XX/XXXX ) and left another message.
If I truly owe this debt, then I need to get it paid and off of my credit report however if I do not, then I need it removed from my credit report. However I have no statement from the collections agency nor a bill from XXXX and XXXX does not even seem to be able help me and they are the source of the debt in the first place.
|
| 09/08/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I received an alert regarding a decrease in my credit score reported by XXXX. I checked with XXXX, and a debt collector called EOS CCA reported that I owe {$2700.00}, with an original balance of {$2000.00}. XXXX also reports that the payment status is " seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. '' The account with EOS CCA was opened on XX/XX/XXXX according to XXXX and the original creditor was XXXX XXXX Bank. I did take out a XXXX XXXX student loan in XX/XX/XXXX, but was never notified in any capacity that this loan had been transferred to EOS CCA by any involved parties. The co-signer of the XXXX XXXX student loan was also never contacted. XXXX XXXX 's website also does not report anywhere that this debt had been transferred to EOS CCA, with the last financial disclosure document available for me to download on their website being from XXXX.
I had absolutely zero knowledge that this debt was owed until XX/XX/XXXX despite the account supposedly being opened on XX/XX/XXXX. I STILL have not received written, electronic, or phone communication regarding this debt. The only reason I found out about it was because my credit score dropped and the bank that issued my credit card alerted me to it.
The actions taken by EOS CCA have drastically harmed my credit score when I am trying to improve it in preparation to take out a vehicle loan.
|
| 10/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Collecto, Inc.DBA EOS-CCA at XXXX XXXX XXXX XXXX XXXX, California XXXX is represented by Attorney XXXX XXXX and are in violation of the practices of the Consumer Financial Protection Board. This issue involves a XXXX XXXX XXXX bill of {$1200.00} that occurred on XXXX XX/XX/XXXX.During this time and without my knowledge the wage garnishments caused an extreme financial hardship to my family and me. Henceforth, I filed a claim of exemption with the civil Court and I had a hearing on XX/XX/XXXX. A judgment was ordered by the Judge that I pay {$100.00} every two weeks or {$200.00} every month. This judgment is to expire in XXXX and the case was closed on XX/XX/XXXX, XXXX.The Judge ordered that all previous garnishments be returned to the debtor, that XXXX XXXX and the levying officer be served a certified copy of the judgment order and that the levying officer shall notify the employer of any change in the Earning Withholding Order. In spite of being legally served, XXXX XXXX violated the Judgment order and instead he kept filing papers in Court and illegally adding on interest and attorney 's fees shockingly increasing the amount to oveXX/XX/XXXX In reality, the debt would have been paid off if only XXXX XXXX followed the Judge 's court order..To add to his unfounded actions XXXX XXXX is now having an exorbitant amount of money garnished from my account. XXXX XXXX corruption must cease and his illegal actions be investigated.
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| 02/27/2018 |
Yes |
- Debt collection
- Other 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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EOS-CCA ( XXXX XXXX ). Total debt was over 3000.
I requested a settlement offer and I was also told that they could not provide this information in writing to me.
I requested to make a final payment based on a settlement offer that I was provided in XX/XX/XXXX. I was provided a {$1500.00} settlement offer with payments for a 4 month period. {$370.00} per month. At no time did EOS CCA tell me that i had a 30 day window to pay this settlement offer.
I called at the end of XX/XX/XXXX to change the payment to {$100.00} and to move the balance from that payment to the next payment due to unforeseen circumstances. Not one time was I advised that my settlement offer was going to be cancelled.
I called again to do the same thing and once again no one stated that my settlement offer was cancelled.
I called on once more asking about removing the debt from my credit report. I was advised that it could not be done.
I made another call XX/XX/XXXX to get the final payoff of the settlement and it was that time that I learned he settlement had been cancelled. They try to say that I have not made payments when In fact, I made payments in the amount of {$100.00} and {$50.00}.
I was just told by a representative today XXXX that I had 3 additional payments scheduled. How can that be if they only provided me 30 day window.
I am requesting that this debt be REMOVED from my credit report. as I was provided incorrect information.
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| 08/17/2019 |
No |
- 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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This company claims that I have a balance of {$2200.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit reporting agency that they are reporting this to asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report. I asked for documents that would show an original contract bearing my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law and also by what the FCRA says, they have to provide me with a contract that has my signature on it. On the credit report it shows the name of this company, but I do not know where this debt came from, I never had an account or a contract with them that says that I have an obligation to pay them anything. I want to see the original contract in order to validate this debt, I dont want to see no account statements or no itemized piece of paper because that is not enough to validate this debt, if this documentation that I have asked for cant be provided to me than delete this debt or account from all of the credit reporting agencies that it has been reported to.
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| 08/24/2017 |
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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After surviving XXXX XXXX XXXX. I ended up paying {$15000.00} in medical bills out of my own pocket. Most of these bills I paid immediately. I made sure to avoid ALL medical debt. Yet, after 6 months I start getting calls from EOS. A collection agency based in Texas, even though I 'm in NY state.
After I deal with the confusion everything is cleared up, or so I thought. A year later they call again. It 's the same two bills. I sent in more specific information. Another year goes by and they call again. By this point I 'm very angry. I have XXXX XXXX, in XXXX call them directly! I 'm left alone for all of XXXX.
Then inXX/XX/XXXX they call again. I mail them the copies of the bills I paid out of my own pocket all those years ago. This is some crazy frivolous XXXX. We 're talking {$82.00}. I finally consult a lawyer for free and he says it 's fraud. I do not have the money to sue, I became unemployed from the illness. Luckily doctors finally found the problem and put me on the right medicine. I 'm working my way back to a normal life, with a good paying job.
They are n't stopping anymore. They keep calling with more devious ways to fool me into giving them my personal information. I went to the hospital and printed every receipt I could find on top of the ones I have. I was instructed to never speak with them again. But it does n't stop. Please seek justice on behalf of the many who ca n't afford legal action.
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| 01/20/2016 |
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 |
Servicemember |
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Here we are in XXXX and XXXX XXXX is STILL trying to collect a debt that was never meant to be a DEBT.
First, I had an account with them from XXXX XXXX XXXX. When we moved XXXX miles down the road, XXXX told me ( in a chat log attached ), that although they HAVE DSL at XXXX, it was " capped '' off meaning, they did n't want to be bothered and it 's complete XXXX.
So, after investigating, the contract was never signed by me or my wife for the account thus rendering the contract null and void.
Secondly, the collection agency, EOS/CCA tried to make me feel guilty by telling me, " Well, you got the service and you should pay for it ... you would n't got out to dinner, eat and walk away from the bill would you? '' The collector, XXXX XXXX although very nice, is completely stupid. I never GOT service at my new address, thus, XXXX was UNABLE to fulfill their part of our agreement, thus, I found a faster and better service with WAVE Broadband. XXXX download, no kidding!
So, I called XXXX again today and found out that the fee for the " special '' we had deducted when I signed up, were ADDED back to my account on XXXX XXXX XXXX 3 months AFTER my account was closed.
They said, " well, since you cancelled the contract, you do n't get the great deal and now you MUST PAY!!! '' XXXX.
I got service, and DID PAY while I had it. I SHOULD NOT be penalized for something they could NOT provide. That is NOT my fault.
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| 02/01/2017 |
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 XX/XX/XXXX, I XXXX XXXX traveled to XXXX to purchase a pre-owned XXXX. The vehicle was fully equipped and also came with XXXX, which was not active in the vehicle at the date of purchase. Shortly after purchasing the XXXX XXXX XXXX and traveling back to my home in XXXX, XXXX. I was then constantly contacted by XXXX XXXX via cell phone. They offered the service and shortly thereafter trail activation, I received correspondence from XXXX XXXX XXXX XXXX XXXX, detailing that if I were contacted via cellphone ( which was illegal ), on the part of XXXX XXXX. That I was to receive compensation and free service as I was not the original owner and had not purchased this service. Moving forward and in constant correspondence with XXXX XXXX and submitting all documents pertaining to purchase. It was understood that this service would offer a settlement and free service. Instead XXXX XXXX has chosen to send a bill of {$60.00} to collections, in an attempt to tarnish my credit and credit score. This case has not been resolved and settled, as I have yet to submit my rebuttal / response to the denial letter XXXX XXXX sent to my home on XX/XX/XXXX. The dates of contact as they state are XX/XX/XXXX, but the purchase of the vehicle was XX/XX/XXXX. Additionally I was contacted via cellphone and therefore this settlement issue has not been resolved. Keep in mind the vehicle purchase date is clear and concise, XX/XX/XXXX.
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| 04/24/2023 |
No |
- 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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Summary : In XXXX of XXXX I became aware that XXXX XXXX had placed a debt on my credit report ( all 3 agencies ) for a debt collection from XXXX XXXX in XXXX, NY. I disputed this collection in XXXX of XXXX. I also filed a policy report with XXXX XXXX and their phone number is ( XXXX ) XXXX. I also filed with CFPB. This debt was found not to be mine and was removed from my credit report.
In XXXX of XXXX, I noticed a 'new ' collection for the same debt through a different debt collector via a notification from XXXX. The collection was from EOS CCA XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX. I had received no written or verbal communication from them. I have contacted the 'collector ' and explained the circumstances and have sent written letter and same documentation as provided in XX/XX/XXXX to XXXX XXXX
It would appear as though this same debt/collection was 'resold ' to a new debt collector even though XXXX XXXX and XXXX XXXX knew this was fraud/identity theft. I am requesting this immediately be removed from my credit. The only place this debit is currently reported is to XXXX and it was disputed as fraud in XXXX of XXXX.
Contacts : XXXX- Collection agency placing XXXX XXXX debt credit file, disputed and removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX - Noticed this collection on XXXX credit report and disputed it.
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX
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| 05/08/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I paid a medical debt online to the California XXXX XXXX and a confirmation email receipt was received. Neither the collection company nor the original debtor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) would honor the receipt, despite proof of payment. The debt company representative called me and he threatened to " destroy '' me and ruin my credit and said " You 'd better give me your information and pay or else I will destroy you! '' He continued to harass and me and frightened me. I was concerned for my safety. Of course I did not want to give him any additional personal information. I was shocked by the call. I contacted XXXX XXXX ( hospital ) and told them what happened and they said they would not allow California XXXX XXXX to contact me anymore and they asked for the email showing proof of payment. I provided the email with proof of payment many months ago and I am now again receiving collections letters from California XXXX XXXX demanding payment with interest. I do not want to contact them again to try and resolve because I am afraid of continued harassment and that they will seek to destroy my credit, and for a debt I paid. I 'm also concerned XXXX XXXX is not working productively with their contractors and are hiring unprofessional contractors who harass and threaten people to collect debt, and then XXXX wo n't accept their financial payment verification and are now asking for XXXX payment.
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| 05/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Today, XX/XX/XXXX, I received a call from a collection agency called XXXX in XXXX. They tried to collect {$100.00} they claim I owe to XXXX. I have not been a customer of XXXX since XXXX of XXXX. I have a bank record showing my regular payments to XXXX and how they stopped in XXXX when I moved. I did not owe them any money when I ended their service at that time. I returned all of their equipment, and I have not done business with them since. The representative of XXXX was not able to give me any information about this debt. She had no idea when or why XXXX claims I incurred it. All she could say was that XXXX acquired the debt on XX/XX/XXXX. I do not have a problem with XXXX. I think they are a victim here too.
In XXXX of XXXX a company called XXXX XXXX XXXX put {$100.00} debt on my XXXX credit report on behalf of XXXX. I never got a call or letter from anyone about the debt, it just showed up directly on my credit report. I disputed it at the time with XXXX, and it was removed from my credit report immediately. I have a screenshot from my XXXX account to show that information.
This cant keep coming back. I never owed them this money. At no point did XXXX contact me directly about this debt. They just sell it to collection agencies and try to damage my credit. I need your help to make XXXX stop trying to collect this debt I never owed. They cant be allowed to bring this back after 5 years.
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| 03/22/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
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Web |
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I went to the ER in XXXX XXXX, thinking my XXXX was XXXX. This was XX/XX/XXXX. I was told that I would not be able to be XXXX XXXX anymore. Long story short, I finally got Medi-cal in XX/XX/XXXX. I have been under the same doctor 's care since XX/XX/XXXX and after being given XXXX XXXX at the ER without insurance and another ER visit months later due to a XXXX XXXX XXXX XXXX, I guess these bills that I could never afford, I though we're paid by MediCal because I filled out the form I was told to contact any hospital, doctor or any other medical service and they would pay it. I never heard back and thought it was taken care of. I did not get approved for XXXX until XX/XX/XXXXand was given XXXX back pay and only 600+, $ a month leaving me unable to work, pay back my adult sons and every one else who had supported me back for all the burden they went through. I can't afford to pay all the money plus interest on these huge medical bills. I could pay XXXX $ a month but the interest is almost as much as the principle. Now, I am XXXX XXXX XXXX and need more XXXX on my XXXX XXXX and have an XXXX caregiver that helps me for 70 ish hours a month. I need to move out of the RV I rent but I don't know how to get a loan so I can get an easier place to stay and help me to be able to have a XXXX friendly room for rent or a way to not feel like a prisoner of my own body. I am sorry but do not know what to do.
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| 06/20/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was contacted on XX/XX/2022 by XXXX, I was told that they were the collection agency XXXX attempting to collect {$260.00} related to an outstanding balance I had with XXXX XXXX XXXX, a public utility company. I had not received any notice of the debt from XXXX, both XXXX and the collector said that they had sent it to the address on file, where I no longer lived. I checked my balance online with XXXX, in addition to the {$260.00}, I also had a separate balance of {$250.00}. I called back the number, XXXX and asked for more information, wanting to clear the total amount owed. When I inquired about the separate debt of {$250.00} I was asked to provide my full social security number over the phone. Further, I was told by the representative that I could no longer pay XXXX directly for the debt. I declined to give them my ssn and called XXXX.
When I called XXXX I was able to pay them directly for both balances. I received the list of collection agencies XXXX employs for collections and EOSCCA was not listed.
I called EOSCCA and asked if they had purchased the debt or were affiliated in any way with the list of collection agencies XXXX provided and they said no.
I am concerned that this was an attempt to steal my social security number, and I was given misleading information ( EOSCCA stated that I could not pay XXXX directly and that I needed to be transferred to their secure payment portal ).
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| 06/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I called EOS CCA at XXXX, spoke to a XXXX. I advised that I had requested a copy of my free annual credit report and saw several accounts that were reported without my knowledge. she was able to locate my account ( s ), stated my rights and sated that it was a attempt to collect a debt, I said ok. Then she proceeded to tell me that I owed a total of XXXX dollars for account # XXXX, and if I wanted to payoff items today. I said no, I 'm unable to pay balance off in one payment. I could make payments on the account, she then asked what my address was, I stated it is XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX and then I asked why did I never receive any letter or debt collection notice from them, she stated that she does show nothing was ever sent out by them but I should had received something from the original collector : XXXX XXXX hospital. FIVE years ago. so since they did not mail anything in advance if I made a full payment they would remove the accounts off my credit report, but if I make payments they would not be able to, there system does not allow them to. I asked to speak to a supervisor, she stated he was not in yet I could call back in two hours, I then told her this is not right, I was not provided anything in writing stating I would be reported, if I did I would had made a payment arraignment, she then stated this is your notice I have advised you today of your account and the amount.
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| 10/01/2018 |
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
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Web |
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On XX/XX/XXXX I contacted XXXX directly in regards to an alleged debt appearing on my credit report. This third-party, wholesale, collections company had appeared and before been removed from my XXXX and XXXX ; as they are perpetrating a debt that 1 ) is not a debt which belongs to myself and 2 ) every time they appear they have re-aged the alleged debt to a more current " open date '' thereby in violation of the Fair Debt Collection Practices Act.
This has been found to be an erroneous collections practice and unverifiable. Utilizing ethically and legally questionable behaviors in an attempt to collect a debt to which there is non owed.
XXXX was informed of this behavior and asked to investigate the alleged debt to provide proof of ownership and accuracy in reporting ( e.g. age of alleged debt ).
Within the allowed time, XXXX reported a response that the debt had been verified and would remain. XXXX and it's representatives refused to provide any details regarding in what manner the alleged debt had been verified ; additionally the representative refused to forward a request for my complete consumer disclosure file under FCRA Section 609 ( a ) ( 1 ).
To this end, I am requesting the assistance of the CFPB to hold XXXX to task as well as the below referenced collections agency : EOS CCA XXXX XXXX XX/XX/XXXX {$490.00} {$490.00} XXXX XXXX XXXX XXXX, MA XXXX Warm Regards, XXXX XXXX XXXX
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| 07/27/2022 |
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 am filling a complaint against EOS CCA debt collector for my XXXX account. I contacted EOS CCA on XX/XX/22. The full balance of the account was {$1300.00}. I was granted a settlement to pay 60 % of the balance. I paid {$820.00}. I was provided a confirmation number XXXX. I received an account settled in full letter on XX/XX/22 from EOS CCA. The letter indicated that I paid the amount agreed to settle the account and their records show a {$0.00} balance. They have reported to all 3 credit bureaus that I have a XXXX balance. I requested for the debt to be removed and deleted, since the account has been paid. I spoke with XXXX a supervisor with EOS CCA. They are unwilling to remove/delete the balances from credit reports after the debt has been paid. I'm relocating to GA and trying to purchase a home. EOS CCA collection item on my credit report has been paid and should be removed from my credit report. I have requested other debt to be removed from my credit report once it was paid. Within 30days those items were removed. Due to the debt still showing on my credit report, it is causing injury to myself and my family. Even though it shows paid and I have a settlement letter, it still appears as a collection. This appears unfavorable. I feel my rights are being violated. This is a unfair practice and is negatively impacting me. I would like this reported and be removed from my credit report.
|
| 05/13/2015 |
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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In XX/XX/XXXX, I contacted via letter disputes EOS CCA and XXXX XXXX XXXX in response XXXX derogatory marks on my credit reports ( XXXX, XXXX and XXXX ) from XXXX and XXXX XXXX respectively. The problem is I 've only had cellular service through XXXX since XX/XX/XXXX ( for the past five years ) and I 've never had accounts or service through XXXX or XXXX XXXX. I 've spent the last five months attempting to dispute these debts because they do n't belong to me and I discovered today that the credit reporting companies can only report the information they get from debtors -- no matter if that information is inaccurate or fraudulent. Both EOS CCA and XXXX have been reported to the XXXX due to their fraudulent activity, mainly purchasing debts then assigning them away to ANYONE. And because they pay the credit reporting companies money to report any information they provide without having to show proof of debt to the reporting agencies, they can and will attribute any debt to anyone. This is exactly what EOS CCA and XXXX have done to me. Furthermore, after sending dispute letters to XXXX XXXX and XXXX XXXX, neither company has reached out to me or the debt collection agencies to let them know the debts are fraudulent. I want this resolved immediately and I want it to be known EOS CCA and XXXX are reporting inaccurate information on my credit report along with thousands of other Americans.
|
| 08/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I sent a letter via certified mail to XXXX XXXX. To inform them I am disputing a debt.
Pursuant to the FCRA & FDCPA I exercise my lawful right to question the validity of this debt. According to the FCRA section 609 ( a ) ( 1 ) ( A ) -There company is required by federal law to verify through physical verification of the original signed contract.
I requested them to provide me with a copy of the following.
Copies of any and all documents showing I agree to pay, what they say I owe Copies of their bond and license to collect in California A copy of the agreement authorizing them to collect debt on behalf of the original creditor An accounting statement on how they reached the amount I supposedly owe A copy of the original contract I signed with the creditor, bearing my signature and S.S.
The name and address of the creditor Copies of copies are not validation and by law are not considered proof.
Under the FCRA unverified, invalid accounts must be removed. They were unable to provide me with a copy of verifiable/ validated proof within 30 calendar days. My request for the account to be verified or removed was ignored.
They are obligated by law to verify or law or remove. This is a clear case of unverified debt. I was given no evidence or obligation to pay this debt. It has a negative impact on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX, Ca, XXXX
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| 02/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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This complaint submission is in regards to a false credit report by EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information regarding this alleged debt. I spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XXXX XXXX. It was confirmed through fax confirmation that a EOS CCA representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time EOS CCA has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$1000.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am firmly requesting EOS CCA immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. EOS CCA is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
|
| 01/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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On XX/XX/XXXX, a debt collection company EOS CCA placed a {$290.00} collection account from XXXX on my credit report. During the summer of 2017 I moved out of an apartment into a house. At the time we had XXXX and want to transfer our service, but unfortunately where we were moving XXXX wasnt fully available we could only do internet at the new house no XXXX XXXX. A few weeks later after everything was changed and we moved, I was getting bills for my service at my old apartment. After many phone calls trying to explain to a few different XXXX reps, that I moved my services to a new address and was only able to keep the internet not the cable package we previously had, I was told this would be corrected and not to worry. Which the reason this even occurred was due to XXXX XXXX beng separate from regular XXXX at least thats what I was told. Now 5 years later some credit reporting agencies slaps this on my credit report, they havent even tried to make contact with me! Ive have spent enough wasted time dealing with XXXX and their horrible customer service, this is a clear example how they dont care about their customers. Thanks to this inaccurate collection item my score dropped almost 50 points. After spending years to bring it up, truly unbelievable. Oh and also thanks for nothing to XXXX for taking 3 days to try and resolve a dispute going back 5 years ago.
|
| 03/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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I filed a complaint against EOS CCA agency with CFPB because this agency constantly calls me demanding payment for a debt that they refuse to provide documents or tell me who their client is to prove I owe this debt. In their response to the complaint they mention another agency that I have no idea who they are but again they still refuse to provide me proof of the debt in writing. Also I have asked them to stop calling me, and now that I have filed my complaint they have called me every hour on the hour. They call my cell number which I have no idea how they go my number, they are calling my mother, brother and my kids telling them that they got their numbers from skip tracing and they are trying to track me down. This has to stop. They are violating my rights and I want to file a law suit. They refuse to send documents to validate the debt. They refuse to tell me who their client is or what type of company they are, and now they are harassing me. I need help and I need it quick. My rights are being violated. They told me that no matter how many complaints I file with the CFPB they will never stop calling. They also told me that they will continue to report this on my credit and they will never send me proof of the debt because they do not have too ... I need help here. They need to be put out of business. This is beyond harassment. This is pure Torture
|
| 01/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Back in XX/XX/XXXX I noticed a collection on my credit report by XXXX XXXX for a debt owed to XXXX in XX/XX/XXXX. I had no idea about any debt I owed XXXX. I called XXXX XXXX and they said they could find any information about it and the Representative told me to dispute it. So I did and it was removed from my credit report.
Fast Forward to today. I find another collection on my credit report but this time from EOS CCA. Same amount and from XXXX. For the record, I never received any correspondence notifying me of the debt from EOS CCA. So I called EOS CCA to explain that I did not owe the debt and had no idea about the debt except that another collection agency reported it on my credit in XX/XX/XXXX and it was removed. They said they did not care and that I either settle or the collection would stay. So I disputed it again with EOS CCA but they told XXXX XXXX that the debt was good. So I called XXXX XXXX and they said they don't actually verify the debt they just ask EOS CCA if it is valid and if they say yes than the collection stays on the report. XXXX XXXX did say if I had any proof that the debt isn't mine than I could submit it. There lies the problem,. I have no clue what this debt is so I have nothing. I tried getting something from XXXX XXXX but to no avail as I give them every piece of information I can but they can't find anything.
|
| 09/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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How can this be re-inserted without proper notification? 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.
|
| 09/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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Within the last 6 weeks, EOS CCA has begun calling me from an Alabama number. However, they are based out of Massachusetts. They are calling me regarding an XXXX XXXX XXXX debt from XXXX XXXX. This debt came off my credit report last year. It is no longer a valid debt. I informed them that the debt is no longer valid. They said it does n't matter because they have an active account in their system for the debt. They also claim that I made a partial payment in XXXX and XXXX. I have asked for proof, but they have not provided it. On the most recent call, I was informed that no payments have been made on this account ever. So which is it? Either I made payments 3 - 4 years ago on the debt or I did n't. I did not. If they 've had this debt in their system since XXXX, why am I just now hearing from them 4 years later? The statute of limitations for this debt in my state is 3 years. The SOL in the state I originally had this debt is also 3 years. The SOL for this debt expired 5 years ago for either state. I have not acknowledged this debt in writing nor have a made a partial payment on this debt. However, the rude customer service representatives tell me they are glad I know the law, but they will continue to call as it is an active account in their system regardless of the law stating they can not collect. This is harassment!
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| 04/09/2015 |
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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I received a call from EOS CCA and was informed that I owe {$190.00} for a XXXX bill back in 2011. I told them I have n't had a Century Link account in many years and that I do not owe them any money nor had XXXX tried to collect any money from me. I told them I would need paper verification of the debt and the date of service. The caller asked me if I recognized a phone number linked with the account and if it had ever been mine ; I told him no on both questions. The caller then told me that I should call the police and report my identity being stolen ( escalating voice ). The call ended abruptly. I called XXXX XXXX and they have no records of me or me owing any money. I do not exist in their system. About 10-15 days later, I was checking my credit reports and the company showed up on my XXXX credit report as owing money. The reported date was dated between the time I was called ( XXXX ) and the time I checked my reports ( XXXX ). There has been no mail correspondence and no requested paperwork verification. I immediately submitted a credit dispute to XXXX. Just prior to submitting this complaint to you, I did some research and found several consumer affair sites with same and similar reports as to what I am experiencing. This is a fraudulent debt collection and EOS CCA is apparently well known for this practice.
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| 02/01/2021 |
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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XXXX XXXX has repeatedly called me thru a pre-recorded phone call to my cellphone asking me to pay a past due amount on a membership that I requested to cancel numerous times already. I called in to cancel and they told me that it would be done. It was not completed. I called in again to cancel and they told me that I had to send an email to request cancellation, so I sent the email on XX/XX/2021. Then I received another pre-recorded phone call regarding a past due amount on Monday, XX/XX/2021. I called the number that was given to me during the message and asked again why I was being charged when I made numerous attempts to cancel this account. The gentlemen told me that they can not cancel the account while there is a balance because cancellations take effect 30 days after the request. I explained to him that the first time that I requested to cancel this account was well past 30 days ago. He stated I had to pay the balance and that the account will not be closed. They already took a {$84.00} payment from my account on XX/XX/2021 and they are still looking for more money. I have not used this membership and will not use it while there is a serious pandemic occurring. I explained this to the rep. I refuse to pay for a membership that I have not used and continue to request that it be canceled. Please assist.
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| 08/10/2015 |
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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I received a call from EOS CCA in regards to a delinq tax bill. I answered and no one said anything, when i returned the call on XXXX at approx XXXX I spoke with XXXX. i was a little skeptical per not receiving anything notifying me of the debt that has been owed for XXXX years and when returned call she answered as though she had called me after finishing her conversation ( I 'm guessing with another rep ) she was very sarcastic and condescending. I agreed to pay after verifying was a legitimate company and asking numerous questions. I specifically asked more than once if payment can be post dated on a debit card and that the payment was set for the XXXX of XXXX she kept saying that is correct. ( The call really needs to be reviewed ) I instantly received notification that the funds had been debited immediately. I obviously returned the call and spoke with a supervisor that advised I would need to send in proof payment was made after he verified the debit payment was made and was noted in the system was supposed to be debited out on XXXX ... needless to say I was very upset by this he stated he would contact the MO dept to verify and contact me back. I have yet to receive a response and know my rights have been violated per the FDCPA b/c I did NOT authorize the payment to be debited from my acct on XXXX
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| 11/30/2020 |
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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in XXXX of XXXX I went to the local post office where I have a XXXX XXXX , to see if my tax refund was there. it was not in my box. The postal worker saw me and handed me mail that was addressed to General mail. It was from XXXX tax board intercept dept. I opened it and it said {$440.00}. was taken for a debt collection agency, XXXX XXXX XXXX.
I called the number to ask what was going on and mentioned the fact that I did not have info that I owed this and told them I have not lived in XXXX since XXXX.
The agent was rude and would not provide her last name or employee id number. I asked to speak to a supervisor and she said she was the supervisor.
I mentioned ID theft issues I have and asked about any Statute of limitations that apply to old debts. 15 years pass and I had no notices of owing XXXX XXXX XXXX and it was not in my XXXX credit report. I told her I needed my refund due to a work injury in XXXX that I was not receiving XXXX for. She did not care. I contacted the court to get more details of this alleged debt and was not given any clear info. in XXXX of XXXX I received 4 notices from the collection agency but it had a address based in XXXX MA, about this alleged debt. They gave 4 different account numbers and debt amounts and failed to mention what they took from the tax refund intercept.
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| 02/26/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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After XXXX XXXX passed I went to XXXX on XX/XX/2017 to have all lines switched over. It wasn't until two months later that I was notified that XXXX XXXX still had an open revolving account. XXXX did not switch all lines and the reason how I found out is because I was waiting on a final bill from XXXX XXXX to have XXXX process electronic visas to pay off the XXXX XXXX account. There were additional charges added which I notify XXXX about. I also notify XXXX XXXX that they did not have my correct address on file and that's why I never heard anything from them. I am currently still waiting on XXXX to process those electronic visas to pay XXXX XXXX. By the time two months had pass when I found out about the account still being open I had been laid off by my employer. I became XXXX and have not been able to obtain employment to make any payment of my own. Once I received the letter a few weeks ago because of XXXX XXXX having wrong address and PO box issues I called the collector and try to pay the amount that i have a letter for of XXXX. I did not know of any of this earlier or i would have paid my share. I cant pay for XXXX share because they havent issue there portion yet and had drop the ball on this issue. This XXXX wants XXXX and i try to explain but they said no to anything i was trying to explain.
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| 12/23/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Eos cca took down the wrong bank account and or routing number for payments that I agreed to pay to XXXX XXXX. It was their mistake and when they said the payment didnt go through they reported it to the credit agency. They did not offer me the option to use a debit or credit card in the times they contacted me. They probably didnt want to pay the fees. As of XXXX21 XXXX XXXX is showing a zero 0 balance on this account yet they called me today and said I owe both payments. I understand that it can take up to 30 days for bank payments to clear. A payment was arranged for XXXX21 was my recollection. Eos cca called me again on XXXX-21. My bank XXXX show no returned checks to cca eos. The approximate amounts were {$310.00} each ie 2 payments on or about XXXX-21 and or XXXX21. This company also tried to get a higher settlement payment from me at first. It was only after they had the wrong account number and or routing number that they took down erroneously from me that they offered me a lower settlement amount. When the first payment didnt go through due to their error I disputed it with a credit bureau as the mistake was theirs not mine. Their repeated phone calls for their mistakes are harassment. XXXX XXXX is showing the account paid off as of XXXX-21 and my bank shows no returned checks to eos cca.
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| 11/05/2020 |
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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XXXX in XXXX contacted me regarding some devices in my account ( 1 router and 2 cable boxes ) to be returned. I had cancelled the account in XXXX and they needed these devices back to clear my balance. I mailed them in XX/XX/XXXX. Months later for my surprise the account had been placed into collection. I called XXXX several times to dispute this and they told me that this needed to be fixed/negotiated directly with the collector. In XX/XX/XXXX I contacted the Department of Consumer and Worker Protection in XXXX. A financial counselor from this department suggested that I should request verification of this debt and settle the account for any charges that I recognized. Perhaps, I decided to call the collector and negotiated this account in XX/XX/XXXX. I wanted to close this and I was tired of trying to fix this for almost 2 years. I always make every effort to pay my debts and fulfill my responsibilities, In this instance I feel that is not fair this account continues reflected into collection. I have paid it.
Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. Based on the information provided above, this debt is no longer in collection. This is not my fault.
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| 02/09/2019 |
Yes |
- Debt collection
- Private student loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I had a loan with XXXX XXXX and after trying to work with them in 2017 to see what I could do to make payments since I couldnt afford them. I was told to apply for a forbearance or deferment right away without getting the option to see about an income driven repayment plan. Not only was I not aware of this but I was told I needed to pay {$50.00} dollars to be put into a forberence state which I couldnt afford to pay since I was living paycheck to paycheck just trying to survive. After all this happened, I stopped answering there phone calls for a short time to reset my thoughts and see about options. The very next time I communicated with them. They were rude, disrespectful and wouldnt let me talk without them talking over me. At the end of the phone call. I told them to stop calling me and to leave me alone. No sooner then the very next day, I started getting phone calls from them day after day after day. I answered quit a few times and told them to stop calling me especially since I was at work the majority of the time but still had no luck. The very last time they called me, I recieved a letter in the mail a couple days later saying they sold my loan to another company. My loan at the time with XXXX XXXX was around 5,800 dollars. By the end of everything when the loan sold, its over 8,000 now.
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| 03/29/2015 |
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 am writing to dispute the following information in my credit file. There is a collection account on my credit report in the amount of {$110.00} XXXX charge off/past due ). This charge is associated with my old XXXX account, # XXXX. Throughout my entire two-year contract, it can be seen that I never missed a single payment and all payments were set for automatic payments.
Before moving in XXXX 2015, I successfully closed my XXXX account and returned all of the equipment. I then opened up a new XXXX account, # XXXX. Again, with this new account, it can be seen that I make all payments on time, in full, through auto-pay.
I am requesting that the negative collection account charge of # XXXX be completely removed from my credit report as it has been paid in full and that I am in a good standing consumer relationship with XXXX.
I am only XXXX years old, and because of this erroneous error charge, my credit score as severely decreased, causing me great financial harm in the future. If this error is not corrected and erased, I will have no choice but to bring legal action through my lawyer as well as through the Federal Trade Commission via my XXXX XXXX XXXX XXXX, our current Maryland United States Senator. To whoever is reading this, I plead that you help me in getting this charge removed.
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| 03/06/2022 |
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 |
Servicemember |
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I closed my account with XXXX phone company in XX/XX/2021 and also paid the balance before the due date. I called their customer service week later and verified my acct. was closed and no balance was due. When the XXXX phone bill arrived I called again and was told again my acct. was closed with {$0.00} due. Despite my acct. being closed, XXXX continued to bill me for several months even though several on-line inquiries and phone calls showed my acct. was closed.
I was not informed by XXXX that they had sent my incorrect unpaid balance to a collection agency. EOS CCA of XXXX is attempting to collect {$420.00} on behalf of XXXX. The EOS CCA acct. # is XXXX. My XXXX acct. # was XXXX. I have received a collection letter from EOS CCA and replied today to said letter informing them I am disputing this fraudulent debt.
All my phone calls to XXXX 's acct. cancellation and billing services phone numbers were answered by a contact service in XXXX or XXXX.These service representatives command of the English language was very basic and I have no way of ascertaining if they forwarded my acct. closure requests to XXXX in a timely manner, if they did so at all ; because it seems XXXX only closed my acct. due to the incorrect unpaid balance.
Thank You for your attention to this matter.
XXXX XXXX
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| 07/28/2016 |
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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XX/XX/XXXX I received notification from XXXX XXXX that cable, internet, and phone service was installed and I was listed as the billing person. I did not authorize instillation of any service from XXXX XXXX and never had these services installed. I was told by XXXX XXXX to disregard any notifications for not returned equipment. XX/XX/XXXX I was contacted be a collection agency in attempt to collect a debt from XXXX XXXX. I then contacted the fraud department at XXXX XXXX and filed a police report because according to XXXX XXXX this was a fraud issue. On XXXX XXXX, XXXX I received a letter from XXXX Account Verification Center stating that they notified the collection agency that I am not the debtor for this account. On XXXX XXXX, XXXX I received XXXX calls from EOS CCA ( collection agency ) attempting to collect this debt for XXXX XXXX. On XXXX XXXX, XXXX I spoke EOS CCA, XXXX Account Verification Center, and XXXX XXXX Department. EOS CCA confirmed that they received this debt from XXXX on XXXX XXXX, XXXX and the XXXX Account Verification department informed me that this debt was closed in XXXX of XXXX. XXXX 's recovery department submitted a credit report deletion request on XXXX XXXX, XXXX. I was told by XXXX 's recovery department that they can not send me conformation of this.
|
| 12/04/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Older American |
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EOS CCA is has reported a collection account on my credit which has severely impacted my scores and my ability to obtain decent housing. I was informed that my scores dropped and I was no longer eligible for a housing grant. EOS CCA is collecting for a XXXX XXXX bill from XX/XX/XXXX or XX/XX/XXXX but they list the account as opening in XX/XX/XXXX which is incorrect and impacts my scores more than if it was accurately reported. US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX states that credit should be reported accurately and if it is not the reporting creditor may be subject to damages. This is also a violation of FCRA Section 605 ( c ).
When I discovered this collection account I asked EOS CCA to remove the account because 1- I do not believe I owe this debt and have previously made XXXX aware of this, 2- I believe this account is past the statute of limitations. XXXX is aware of the disputed account and EOS CCA has never attempted to validate the debt since I learned of it. I have not received anything from them since. They have refused to validate the debt. They never attempted to validate the debt before reporting it as I have lived at the same address for many years. This is a violation of FDCPA FDCPA Section 809 ( b ) and the FTC opinion letter from XXXX.
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| 01/07/2020 |
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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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.
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| 09/12/2019 |
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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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.
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| 08/15/2019 |
Yes |
- Debt collection
- Other 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 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.
|
| 06/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
Received a collection letter from EOS CCA, that started in about XXXX at which time I called and they stated whom the dept was owed. I called XXXX and was told that not only could they not find such a debt but the account number given does not match any records they have. I also called XXXX and XXXX XXXX XXXX my actual provider ) and the same response was given, they can not find any debt owed nor any account number that matches. I was also told by XXXX and XXXX that they did not even provide services in the area in which I live and still don't. I called back to the collection agency and was told they would check and get back to me. Within a month I was getting the same bill. I have both called and sent letters XXXX XX/XX/XXXX and XX/XX/XXXX ) trying to get this resolved, and everything I found out in my own investigation. I will hear nothing for a while then the letters start again. It is getting tiresome and I would consider this harassment. Not only are the letters and calls annoying and harassing but they have put this debt on my credit report! I do not know how to get through to them that this has never been my dept. I have repeatedly asked for proof that this is my dept and have never seen anything nor have I been given the number of someone I could verify this dept with.
|
| 04/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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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.
|
| 10/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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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.
|
| 08/07/2018 |
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 had XXXX XXXX internet service about 4 years ago, for literally less than two weeks. The service was not as promised, so we canceled it right away. Since then, I have been contacted by a number of different collection agencies regarding a bill of {$690.00}. I have disputed the amount and collection agencies over and over on my credit reports. It showed up again today. I do NOT owe this money, and the lady I talked to when I closed the account in early XX/XX/2014 assured me that my account had been credited to a XXXX balance and then closed with no further amount due. Today again, I see this showing up on my credit report with a new collection agency name ( EOS CCA/account number XXXX ). This account should NEVER have been sent to a collection agency at all for less than two weeks of service that didn't work and a XXXX out balance. The service not working correctly was why we canceled in the first place. I do NOT owe XXXX XXXX or any collection agency {$690.00}. XXXX XXXX should never have sold this account to any collection agency over 3 years ago. I spoken with XXXX XXXX today and they refuse to assist me with this matter at all. I am not paying a collection agency {$690.00} for a bill I was told was XXXX balance, especially for service that I canceled within two weeks.
|
| 04/09/2015 |
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 a notification from XXXX XXXX that there is an " open collection '' on my XXXX Credit Report. On my report there is an open collection from the agency " EOS CCA '' for {$56.00}. The original company says " XXXX XXXX ''. I called XXXX XXXX XXXX and they confirmed that I do not have any debt and that my account is closed and paid in full ( documentation attached ). I called EOS CCA at the number provdied by XXXX ( documentation attached ) and tried to remedy the issue. Before this call I looked at review for EOS CCA and many consumers stated that this company is a scam and is looking for personal information. In my call to EOS CCA I informed them that this was not my debt and they refused to help me unless I gave them my Social Security number. They could not find my account based on my name, address, or phone number. They said unless I give them my social security number they would be unable to help me. I called and made a complaint with the XXXX as well as XXXX. XXXX is going to dispute the charge with EOS CCA. My credit score is going down because of this company and this open collection. I am hoping that this is investigated so this does not happen to anyone else, and so this does not effect my purchasing decisions in the future. Thank you for your support.
|
| 08/28/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
In checking my credit report I find EOS CCA, XXXX XXXX XXXX, XXXX, XXXX XXXX, claims I owe them a current debt dated XXXX/XXXX/XXXX in the amount of {$460.00}.
That is impossible. I have not used any credit since XXXX when my XXXX XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt I might owe over 8 years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any of the less than half dozen outstanding debts I might have owed at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off XXXX years ago.
|
| 05/27/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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In XX/XX/XXXX I received a letter from EOS CCA regarding an alleged debt for a private student loan. I was unaware of any private student loan in collection or not paid since all of my student loans were transferred from XXXX XXXX XXXX to XXXX. I checked my credit report and EOC CCA is reporting this alleged debt as a collection. I contacted EOS CCA and requested documents verifying this alleged debt. EOC CCA sent me copy of the promissory note dated XXXX. I called EOS CCA and explained that it has been 13 years since the date of those documents and they have exceeded the legally allowed time to report this alleged debt to the credit bureau. They said that the debt became due sometime after that date. I have requested documentation proving that this debt became due or was paid at any point to support their reason for continuing to report it to the credit bureaus and they have failed to provide documents. It has now been 8 months since I have been requesting proof and they have not been able to provide any proof and yet they continue to report the debt to the credit bureaus despite this alleged debt being 13 years old. At this point I am looking into hiring an attorney to handle this matter as the EOC CCA inaccurate credit reporting is now causing me monetary damages.
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| 05/17/2021 |
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 am writing time in hope that you will consider helping me by removing late payment information from my credit profile. I do not know who else to reach to in regard to my old XXXX XXXX account. I have been a customer with XXXX XXXX for years and I have never had an issue until now. I am highly known in the public eye as I am a two-time XXXX XXXX XXXX XXXX and I constantly refer other players to your company.
Currently, XXXX XXXX is reporting a collection account in the amount of {$120.00} on my credit report. Unfortunately, this collection is the result of my personal assistant negligently handling my business affairs.
I have included a letter from the business management team that employed my assistant with this letter.
Please note, since the time of this inconvenient betrayal I have been mostly successful in working with my creditors to get my accounts in order and restored my credit profile. I implore XXXX XXXX to help me get beyond this nightmare as I should not be responsible to bear the consequence of this collection. I am more than willing to pay this account in full as long as the collection status is removed after payment. A payment was not made as my business management office failed to tell me there was any balance due on this account.
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| 01/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/2019 I contacted XXXX services in New York to inquire about opening an account to use their internet services in my new home in XXXX. After learning that the available internet speeds on their service was not satisfactory, I informed the customer service representative I was on the phone with that I was declining service as I was not interested any longer. I proceeded to have internet service installed by another provider. In XX/XX/2019, I received a bill for internet services and for installation from XXXX despite the fact that I indicated I did not want their service during my phone call and I did NOT have any equipment installed at my home. I proceeded to contact XXXX several times over the next few months as they continued to bill me. I spoke with numerous departments and never got it resolved. I have now received debt collection notices from two different debt collection businesses working on behalf of XXXX. The first debt collection notice came in XX/XX/2019 and I sent a letter disputing the debt and did not hear from them again. I received a new notice from a new debt collection business just now regarding this same debt. I can not figure out how to get XXXX to stop seeking collection on a debt I did not incur. I appreciate your help.
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| 05/21/2019 |
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 am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that EOS CCA provides me with competent evidence that I have any legal obligation to pay them. I am asking EOS CCA to please provide the following:1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my " WET '' signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand EOS CCA immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX and XXXX ). I also demand that EOS CCA agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that EOS CCA agrees to remove my personal information from all accounts in its companies database.
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| 09/11/2020 |
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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On a recent review of my credit reports, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
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| 05/20/2020 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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XX/XX/XXXX I received a notice from my mortgage broker that there was collection on my credit report from EOS CCA. They allege that I owe XXXX {$220.00} for an outstanding balance that I owed when I resided in XXXX in XXXX. I contacted the collection agency several times to resolve this matter. After never receiving any validation of this debt, I paid the alleged balance owed in order to resolve this matter. I was advised that this item would be removed from credit report after receiving payment from me. As of today, the item is still showing as a collection item on my report. I called several times and left messages to XXXX XXXX, the manager on this account. He has not returned my calls to resolve this matter. Also, I contacted XXXX at XXXX XXXX relations ( XXXX ) XXXX, who wanted to speak to him to have this account removed from my credit report. They have not spoken to him or returned his calls to correct this matter. I have been a long time loyal customer to XXXX for over 12 years. I pay over {$5000.00} a year for cell phone service, notwithstanding the previous services i have paid for when XXXX was my cable provider. Overall, this collection agency has not been cooperative to clearing my credit report event the support from XXXX.
|
| 08/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
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Web |
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After writing and mediating with " EOS CCA '' company about time-barred debt which was previously closed and deleted by XXXX, I received a letter stating they will close and delete that debt from all credit bureaus. And then XXXX more EOS CCA debts showed up from the same creditor which once again were closed in XX/XX/XXXX by XXXX XXXX Services. XXXX more were deleted from the credit bureaus after I sent them the letter then they came back then removed again and XXXX remained, which I am XXXX of disputing constantly.Like I said, that XXXX XXXX XXXX was sold or closed by XXXX then went to another company then deleted by EOS. It seems they keep extending the original date of last activity. It went from XXXX to XXXX to XXXX account opening. Please let them know that they threatening and falsy promising me in writing one thing then re-reporing the account with different account numbers. Also the latest letter came with XXXX letterhead but saying that some US Asset Management XXXX is their client now. Also XXXX stopped completely collecting in XXXX. And they need to stick to their agreement or I would have to file a lawsuit. And I am also a XXXX veterans wife who receives XXXX and I a XXXX XXXX survivor.. They go by my old name ( XXXX )
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| 07/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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The original creditor is XXXX XXXX and the collection agency is EOS CCA. When I was first made aware of this account by checking my credit report I contacted them and advised this was not my debt and requested immediate removal since I was in the process of trying to qualify for a mortgage. I was informed that the only way the debt would be removed is if I pay the entire balance even if the account was not mine and they would then delete it from my credit report within 7-10 business days. It has now been months and I contacted the company to inquire about the deletion and the new representative told me that their company does not delete negative information from consumer 's credit reports. I proceeded to explain the debit was never mine to begin with and that the only reason why I paid it was because I was told it would have been deleted immediately upon payment. Following my conversation, I have attempted to dispute with the credit bureau 's but they continue to say the account was verified, but have refused to send me the proof of what documents were provided to verify the account as I have asked Under the Fair Credit Reporting Act, 15 U.S.C. 1681g. That request was ignored by the collection agency and the three credit bureaus.
|
| 03/02/2016 |
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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My wife and I have had XXXX XXXX for over 2 years. Prior to us receiving services all equipment and balances ( not in collections ) had to be paid in order to get service. We have never missed or been late on a payment since we started our service. A collection agency contacted me and my credit report shows that I have {$100.00} from XXXX XXXX in collections. I have spoken to multiple representatives at XXXX XXXX since XXXX 2015 when it was first reported. Each time that I speak with someone, they tell us that they have no records of sending any information to the collection agency, and that we do not have any outstanding balances or monies owed. They have told us multiple times since XXXX that the collection agency will take it off our report and they are unsure how this happened. We still currently have services with XXXX XXXX, paying our bill on time every month and this has still not been resolved or taken off my credit. We have not been provided with any information that needs to be sent to the collection agency, they simply tell us that we have to pay the {$100.00}. XXXX XXXX has not offered any solutions, other than to say that " they have sent the message to the collection agency to take it off '' and nothing has changed.
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| 06/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
|
I'm writing to submit a complaint about EOS-CCA. This company has been attempting to contact me repeatedly for quite some time. They engage in deceptive behavior in order to try to get me to answer their calls, calling from different phone numbers in many different area codes. My call records show more than 10 different phone numbers in just the last two weeks, I blocked each one, so they then call from a different number. They have at times called 3 times in a single day before I blocked the number. When I do answer, they refuse to identify as a debt collector. The last time I answered the male caller would only say that they wanted to speak to me about a " personal matter ''.
Refusing to identify immediately as a debt collector is a clear violation of the FDCPA, calling repeatedly is also. Using dozens of different phone numbers in various area codes is clearly deceptive and likely another violation of the FDCPA. The calls are coming in at various times, but the vast majority are between XXXX to XXXX local time for me, which is another violation ( I'm not in the 48 contiguous states these days, I'm not willing to tell them where I am, but It's somewhere between GMT +8 to +10.
I want all communication from EOS-CCA stopped.
|
| 12/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
|
Beginning in XXXX this company from an XXXX number began calling my phone asking to whom they were speaking with. The first few times I asked them to verify who they were and type of service company. Each time they have refused to do so. Then I began receiving hang up calls, where they 'd lurk on the phone for a few seconds then hang up. This type of behavior has continued without a verification letter of their business and my involvement.
Today, XXXX XXXX is the first time I received a name of the company - EOACCA, which according to google is a debt collection agency. Same as before they called, I answered and they hung up. I called back saying I received several hangup calls from them, and asked them to verify who they were and their service. I was told that they needed to verify who I was before continuing. I told him I was n't going to. I asked them to stop placing hangup calls and do not call if they could n't tell me their place and purpose of business. The gentleman said at that point that they are EOACCA. I asked what does that stand for and what is their purpose for calling. He said its not an acronym, and I needed to tell him who I was before continuing. I told him I would n't and asked him again not to call back.
|
| 04/13/2017 |
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 |
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Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a debt in the offices of EOC CCA which is a student loan. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with EOC CCA. This was a student loan that is with XXXX. My student loans should be in deferment because I am still XXXX to get my certification to become a XXXX. In this case no one should be contacting me to pay any student loans back until six months after I finish college.
Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I have proof that EOS CCA does n't have the right to be contacting me about my student loans because I am still in school and they are not in compliance with Texas Law concerning debt collectors. Please have EOS CCA to prove that they have the rights to collect in the State of Texas. Because I am providing a Texas Debt Collectors Search from the State of Texas Secretary website to prove that EOS CCA is in violation.
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| 05/16/2020 |
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 received noticed of a collection from EOS CCA on XX/XX/2020. I immediately checked my credit report and noticed this negative item from EOS CCA was reporting negative information on my report. I send a letter certified mail to EOS CCA on XX/XX/2020 asking them to validate the debt. I never received any information validating the date. On XX/XX/2020 I received a second notice from EOS CCA, but not validation proving this debt was actually owed by me. I have no knowledge of this account and would like this account deleted from my credit report. This company is in major violation of the FCRA. I have enclosed documents to support my claim. Also there is a discrepancy in the reporting balance from transunion verses from EOS CCA. XXXX is reporting a balance of XXXX and EOS reporting a balance of XXXX. How do I know this is accurate. If XXXX validated this account like they claimed the balances should match. XXXX actually deleted this account off my report because they could not validate the account so why is XXXX still reporting this account. I highly doubt they verified this info or the balances would match and they would have sent me supporting correspondence. Please delete this erroneous account from my credit file.
|
| 06/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
|
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I had a mobil account with XXXX in XX/XX/XXXX. I lost my account due to FBI wanting my phone shut off in the state of TN. XX/XX/XXXX I was put into XXXX XXXX XXXX TN and I worked the debt off. XXXX contacted me while i was there paying my debts with forced labor. In XX/XX/XXXX I was informed that i no longer owed XXXX anything, that everything had been paid in full, both accounts. XX/XX/XXXX I walked into an XXXX store here in XXXX XXXX Nevada and opened a new account, without a deposit for the account. Why do they still have an charged off account on my credit report from EOS CCA? I do not owe XXXX any money for my previous accounts. I 'm up to date on my current account. I 've been having problems with FBI/CIA blackmailing my creditors to keep false information on my credit accounts. I hired lawyers two years ago the fix this problem, but some creditors still keep listening to FBI/CIA. If yo look at my credit report, one month they show up, report for a while, then disappeare. years later, they show up again. Blackmailed by FBI/CiA. What was the since of working for free in XXXX XXXX in TN. It has n't taken my debt off my credit report. TN, FBI, CIA needs to be investigated for bothering peoples credit!
|
| 11/16/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- 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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My original loan before this creditor took over was with XXXX XXXX. I took a {$15000.00} loan in 2016 to pay for my final year of schooling. Fast forward I was unable to get a decent job that would allow me to make substantial payments on this loan. I paid a {$50.00} forbearance fee which was already a burden in itself for me. After a while I was simply unable to pay a monthly payment and I continuously tried getting some type of monthly payment that fit my already low pay. My loan went delinquent and was charged off to EOS CCA Collection. From this point on was when this loan was a nightmare. I have interest accumulating EVERY SINGLE DAY! This is so insane! My credit score CONTINUES to plummet because of this. I have tried on several occasions to call this creditor to resolve delinquency by making some sort of payments but they never work with me. I am still out of a job at the moment and I only make enough to pay on my federal loans. I keep pleading with this company to stop adding interest everyday. There is sometimes when they had {$100.00} in interest EVERYDAY! If I am already struggling to pay down the principal, how do you expect me to pay the interest? Now they have threatened that they will take me to court.
|
| 10/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Some company by the name EOS CCA put a collections from XXXX XXXX and XXXX on my credit report on XX/XX/21 and XX/XX/21. I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX or XXXX. I have had another cable in my for years I have had XXXX as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of you or received any bills from XXXX XXXX or XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with XXXX who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs.
|
| 08/03/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I was a co-signer for a private student loan in XX/XX/XXXX for a relative. I co-signed on the loan in the state of IA. The first payment on the loan was due in XX/XX/XXXX. Since I am a co-signer, I was not aware that the primary owner of the loan defaulted on the loan until it went into collections. When we asked if there was a way to resolve this to remove my name as a co-signer, and it was stated that we would have to pay the full loan and there was no negotiating. We asked if they tried to contact the primary loan owner and they stated that this person was not reachable even though we provided an up-to-date address and cell phone number.
They also called my wife, my other adult children, my sister, and my nephew to try and collect the debt.
Just yesterday, they presented me with a certified letter with a threat to take legal action against me. The certified letter did not indicate who was sending the letter at all. I was not aware of that information until I opened the letter. I have drafted a letter to dispute this claim since the primary loan owner has claimed they are working with a debt counselor to resolve the issue and they are also working full time and have an established address in the state of Iowa.
|
| 05/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received noticed of a collection from EOS CCA on XX/XX/2020. I immediately checked my credit report and noticed this negative item from EOS CCA was reporting negative information on my report. I send a letter certified mail to EOS CCA on XX/XX/2020 asking them to validate the debt. I never received any information validating the date. On XX/XX/2020 I received a second notice from EOS CCA, but not validation proving this debt was actually owed by me. I have no knowledge of this account and would like this account deleted from my credit report. This company is in major violation of the FCRA. I have enclosed documents to support my claim. Also there is a discrepancy in the reporting balance from XXXX verses from EOS CCA. XXXX is reporting a balance of XXXX and EOS reporting a balance of XXXX. How do I know this is accurate. If XXXX validated this account like they claimed the balances should match. XXXX actually deleted this account off my report because they could not validate the account so why is XXXX still reporting this account. I highly doubt they verified this info or the balances would match and they would have sent me supporting correspondence. Please delete this erroneous account from my credit file.
|
| 02/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : EOS CCA. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, MA XXXX. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. It has been 60 days since I mailed that out, and under the FDCPA, the debt collector had 30 days to respond, and did not, which is a violation of the FCRA and FDCPA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and EOS CCA has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
|
| 01/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called XXXX XXXX at XXXX about a collection EOS CCA is attempting to collect and is furnishing on my credit report, the supervisor said they dont have any information about the account. I called the collection agency EOS CCA whose reporting the false account on same date at XXXX and spoke with XXXX XXXX XXXX She said I cant dispute it and they dont remove derogatory marks from consumers report I have to pay it in full then she will add paid in full to my credit report, I told her i never had XXXX so she said send her a police report, proof of residency since 2016, and proof of the phone carriers contract that I have since 2016 and I dont know how or where to get those information, she said they wont stop collecting unless I send those impossible to get documents and if I do send them in EOS CCA dont remove stuff from peoples report once its place for collection. I did not open and account with XXXX and I never use home phone, I always have cell phone, EOS CCA pulled my credit without my permission to get my information and is now acting like Im the owner of a random debit they are trying to link to someone. They didnt send me a notice, they dont provide me a mailing address send documents to, this is extortion
|
| 08/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
EOS is attempting to collect a debt from a XXXX XXXX XXXX on behalf of XXXX XXXX. They were allegedly sent my phone number by XXXX XXXX. I have repeatedly ( XXXX times ) received calls from their team. I have repeatedly ( XXXX times ) told them that there is no one here by that name, that I do not know this gentleman, that he is not part of any social or professional networks, and that I have not done business with XXXX XXXX or any affiliated service provider. They deny that I am telling them the truth and keep calling back despite me advising them not to call me again and alerting them to the fact that my phone number is on the Do Not Call Registry. Nothing phases these people.
If this were not troubling enough, I called XXXX this morning and after a series of transfers was directed to their Fraud department. They have no record of my phone number in their system and do not know how XXXX got my number so there is nothing that they can do to call off these dogs. So clearly there was a mistake made somewhere, but I am now being harassed.
Anything that you can do to assist would be greatly appreciated. The calls during work are especially problematic as is the obtuse nature with which their employees behave.
|
| 08/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a complaint from XXXX XXXX against EOSCCA for EOSCCAs failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from EOSCCA with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
|
| 05/25/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I have a son who is XXXX years old living in XXXX. He uses my address even though I have asked him not to many times. He grew up in the house that I live in. He is financially irresponsible and I have no idea what debts he has but debt collectors are always trying to contact me. I am XXXX years old, have impeccable credit and own my own home ... I have no debt except a mortgage. I have XXXX rental properties on my property so several names are associated with my address. I have been receiving calls from a company called EOSCCA at a number using XXXX. Not only have I been receiving calls ... which are usually made during the day and I do n't pick up and they leave no messages ... .but they are also calling people that are my tenants and asking for my son by name. I have called EOSCCA and they are smug and unhelpful. They are obviously using tactics to get phone numbers that are not even associated with my son or his debt ( whatever that may be ). I would like to file a formal complaint against them and a demand that they stop calling me or anyone else associated with my address. I feel like I have to move away from my home to get this to stop happening. Please help and let me know what to do. Thank you.
|
| 09/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have received several phone calls over the past few weeks from this company and they never leave a message other than breathing into the phone. Called them back today and I asked the nature of their business and they stated they " dealt with private matters and could n't reveal that to me ''. I then gave them my phone number to see why they were calling me and they claimed I owed an outstanding debt for a XXXX XXXX account ( which has already been dealt with ). I informed the woman of that and she got very belligerent, called me a liar, and stated that I owed them money and I had to pay them now or else they would be filing a lawsuit. She then demanded I confirm my address and give her my credit card information. When I told her I would n't be giving her that over the phone she proceeded to yell at me and tell me that " it 's people like you who make me sick. Just give me your information so you can pay your bill ''. I repeated that the bill was paid and that I would be reporting them and she said to please do. I also demanded they stop calling me and she said she could only do that once I confirm my address. I threatened legal action if I received any more phone calls, at that point she hung up.
|
| 02/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
EOS CCA is a debt collection company that has purchased a Fraudulent debt or Identity thief debt from XXXX XXXX in my name in the amount of {$2400.00}.
This debt is not mine, I have tried in every way to get this company to remove this fraudulent debt from my credit report. I have received a fraud pocket from EOS CCA in XXXX XXXX XXXX, I promptly completed the pocket/documents and summitted a Affidavit signed by a Notary and mailed the package on XX/XX/2020 as a registered package to an address in XXXX MA that was on the documents. This is the address of EOS CCA. The USPS sent me an alert when the mail was delivered to the EOS CCA address. That was almost two months ago and I haven't received a reply as promised to myself and the XXXX XXXX XXXX from EOS CCA..I have sent documents to this company with the telephone number which I had during the period in question and they still refused to correct this gross error.
Below is the USPS receipt from a registered mail dated XX/XX/2020 and mail to XXXX MA, the return address on the affidavit. They have informed the XXXX that they did not received the registered package despite the contrary from the USPS. Below is verification of delivery by the USPS.
|
| 04/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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To Whom It May Concern, This letter is in response to notice I, XXXX XXXX, received of a debt being claimed against me. In accordance with 15 U.S. Code 1692g, I am requesting verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, who was this debt paid too, and evidence that I am legally responsible for the debt.
Please consider this debt to be under dispute. If it is found that there is no evidence of this debt is under my name, then I request that all credit bureaus and appropriate financial institutions be made aware or a complaint will be filed to the respective local or federal agency.
Additionally, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. Please send all communication, by mail, to : XXXX XXXX XXXX, XXXX, NY XXXX I am aware of the request for payment by your company, and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.
Thank you for your cooperation, and I look forward to your response.
Sincerely, XXXX XXXX
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| 08/31/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
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EOS CCA is a third-party debt collector for student loans that has been excessively calling me on my cell phone multiple times a day ( a regular schedule would be at XXXX, XXXX, XXXX, XXXX, XXXX, in a single day ). After I asked them over the phone to stop calling me on my cell phone, they began to call me on my direct line at work ( starting at the beginning of XX/XX/XXXX ). I informed them that I was not allowed to receive personal phone calls at work and asked them not to contact me on the number any longer. They continued to call me at that number, despite being told that I was not allowed to answer personal calls. They also began calling my companies general telephone line looking for me and stating that they were calling to resolve " outstanding financial debt matters. '' They were again told by our receptionists that employees are not allowed to take personal calls at work ( they were told this in XX/XX/XXXX ). It is now the end of XX/XX/XXXX and they continue call both my direct line and my company 's general line on a daily basis, multiple times a day. EOS 's failure to follow federal debt collection practices is now jeopardizing my employment and could cost me my job.
|
| 10/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/2016, after moving to my current address I requested XXXX to install internet and TV services at my new residence. XXXX installed services, but was not able to fully make them operational. They were unable to port my existing phone number and I had intermittent internet service outages. After two weeks of attempted repairs without success, I terminated the service with XXXX and returned their equipment. I initiated services with XXXX and continue to have them today. A month later, XXXX billed me for a full month of services despite not having a single day where my contracted services were operational. I disputed the bill with XXXX. We failed to reach a resolution, and XXXX submitted the debt to collections. Recently, they sold this debt to a new debt collector ( EOS-CCA ) and they have called me on my cell phone harassing me. Moreover, they resubmitted a derogatory remark to XXXX XXXX damaging my credit rating.
Respectfully, I am requesting this debt collection for {$180.00} be terminated as the original bill was incorrect and EOS-CCA has no right to re-instate a new derogatory remark for an issue that arose in 2016 ( almost 6 years later ) as a brand new issue.
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| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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EOS CCA # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/2022 and I am yet to get a response Regarding this debt from XXXX XXXX, XXXX XXXX XXXX, and EOS CCA. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts.
If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
|
| 01/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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Debt collection company : EOS CCA on behalf of XXXX XXXX XXXX I have been receiving multiple texts and phone calls/voicemails regarding someone elses debt. At first I thought it was a scam because I am current on all my debts and have never used XXXX XXXX XXXX ( which they claimed to be collecting on behalf of ). The text messages and voicemails threaten tax levies, garnishment of wages, etc I finally called them back and found that they were calling/texting regarding a debt they KNEW was NOT MINE. I believe this is a violation of their right to ONLY contact me ONCE. I also feel that their scare tactics of trying to make me believe that I was the one in danger of tax levy and garnishment rises to the level of harassment under the law.
The collection agency is XXXX on behalf of XXXX
I have deleted multiple texts and voice mails regarding this, as well as blocking numbers, but I still have records of the following contact attempts : XX/XX/XXXX voice mail stating they have been retained by XXXX XXXX XXXX to file for judgment XX/XX/XXXX text message received stating garnishment and tax levy XX/XX/XXXX voice mail stating they are filing for garnishment and tax levy
|
| 07/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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FALSE STATEMENT AND ATTEMPT TO COLLECT DEBT WITH WRONG PERSON XXXX said i had an account with account number XXXX and as of XX/XX/2017, they said i owed {$160.00} between XX/XX/2017 and today.
I called them and said that's not possible because i started residing in US on XX/XX/2017 and when i arrived here my first operator was XXXX XXXX XXXX not XXXX. They got the wrong person. None in their customer service can't fixed this. They just reported me by increasing the debt to {$210.00}.
I CUT THE LETTER ATTACHED TO DISPUTED BUT IT RETURNED TO ME. NOBODY LISTEN OR TRY TO FIX THIS MISTAKE. I CAN'T PAY FOR SERVICES I DID NOT USE.
My phone number was XXXX and i started using it on XX/XX/2017. They are charging by error from XX/XX/2017 which is the period that i didn't have XXXX and also was not in XXXX XXXX XXXX XXXX
Also, i joined XXXX around XXXX but not on or before 2017. So how is it possible that i owed XXXX?
I want XXXX to correct this information and clean my name.
They must found the exact person. Is very unprofessional. I asked them to tell me when i joined XXXX they just ran away.
I called the collector EOS CCA and XXXX but no success.
Thanks.
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
|
I Spoke to this company twice last month just to have them disrespect FCRA, CFPB and Metro 2 reporting Standard altogether this company does not even have my current correct last name on file ( Inaccuracy ) however they want to act as if this alleged paid collection is reporting accurately EOS CCA has been told to remove this debt multiple times but it does not budge it is very inaccurate and the fact that when i paid the alleged collection account under Threat duress and coercion it ( was on my credit report bringing my score down ruining my quality of life. ) They told me that they would remove it from my credit report upon payment but obviously didn't. It reports paid but the payment status says collection or charge off I disputed this account as recent as last month requesting the Date of first major delinquency no response and look at the Status date on experian and transunion INCONSISTENT 2018 showing proof EOS CCA did not notify BOTH the Credit Bureaus of my disputes or the Credit bureaus did not look into investigating my disputes. IT has 3 dates of last activity on each bureau showing proof of reageing the erroneous account WHERE IS THE CONSISTENCY
|
| 09/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I have contacted EOS CCA via certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them.I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from XXXX for a debt that I don't owe, is a violation of the FCRA & FDCPA. 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.Therefore if XXXX can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed.
|
| 10/21/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I got a money order in the amount of {$110.00} for an amount that was stated on my credit report that I owed to this collection agency for an old XXXX XXXX bill. When I called the collection agency to follow up in making sure the payment was received so that the collection amount would show paid on my credit reports I was told that the amount I sent in was deficient by XXXX, therefore it would not be removed until the XXXX was sent in. This was infuriating as I checked my credit report prior to getting the money order and was never notified that the amount owed had increased by XXXX by the collection agency.
I mailed in the XXXX, however I felt verbally harassed by the collection agency employee taunting me about this XXXX as Im trying to remove this negative information from my credit report so that I can obtain housing. I dont know when or how the total went from {$110.00} to {$110.00}, or what kind of interest is being accrued for the amount to change by XXXX but it felt like harassment. The amount shown had been {$110.00} on the day I mailed the order and that should have been taken into account. As that amount had been on the account all month.
|
| 03/26/2015 |
Yes |
- Debt collection
- Federal student loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
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On Wednesday, XXXX XXXX 2015, a company called EOS-CCA called me referencing my student debts. They informed me if I did not enter into a " XXXX '' as of the date listed above, I would be subject to having charges pressed against me, and that my interest rate due to the contract of the Federal Student Loan I signed at the time I was in school has now risen to 6.8 % DAILY. The amount they said I owed was {$3000.00} dollars above the actual amount. After fearing that I would not be able to make my student loan payments and would be XXXX, they directed me to a website ( XXXX ) where I can print a " XXXX '' and send it back via e-mail. After feeling some relief that I would now be able to handle my student loans and would not be subject to face charges pressed against me, I did some research on the company only to find out they are a fraud. The phone number they called me from is XXXX, the extension number given to me was XXXX, and the " account handler '' only gave me her name as " XXXX ''. On the " XXXX '' I submitted to them, I gave them personal information such as, date of birth, home address, phone number, family size and my social security number.
|
| 02/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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ATTN : To whom this may concern Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : ACCOUNT NAME ACCOUNT NUMBER EOS ECCA- XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
Starting 30 days from the day you receive this complaint ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the account from my consumer report without prejudice.
Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
|
| 09/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
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I started trying to repair credit XX/XX/XXXX. I have sent all hard inquires in that were not legally obtained. I also had old debt that I was fighting anything on my reports since it was already at that point processed as bad debt to the original creditor.
I than again sent certified mail to all beauros XX/XX/XXXX a year later for all the same hard inquiries and debts that were still remaining on my account with no legal update after give way more then the 30 days that they have legal rights to update. For both my husband and I. I never received an updated credit report fixing any issue for either of us from any of the 3 credit beauros. I continuously try to reach out via phone and again sent certified mail XX/XX/XXXX. I have reporting s from accounts that are inaccurate that I never signed for from XXXX that are still on my report and now 5 years later are remaining and not even the collector has the original signed documentation of proof. I keep going back over and over trying to have all these hard inquiries removed as well as the debts that are no longer just and no one is even attempting to correct or sent proof of an attemption.
|
| 01/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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EOSCCA claims on my credit report that I opened my account Opened XX/XX/XXXX ( 2 yrs, 5 mos ) account has continuously been re aged to stay on my credit report. the account was opened XX/XX/XXXX company kept claiming my bills weren't being paid so I went to a new wireless provider a couple months later. I had my final straw when the company and made two large payments at the XXXX XXXX location with the manager who claimed {$180.00} payment from my card would pay off the phone so that I could close out the account. I was asked to register for a new account online which did not reflect the amount I made at the XXXX XXXX store because I used a different email address then the one they assigned to my phone automatically. The stores were independently own so records were never accurate. which forced me to close the account because I was constantly receiving notifications I had not made payments and each month the charges were in excess of XXXX for a phone that had a {$50.00} phone plane. I've made several attempts to ask the account to be accurately aged. I provided them receipt numbers for the receipts I do have still in my possession.
|
| 09/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I keep getting harassed by a debt collector named Collecto , Inc . They do business as EOS CCA. After I kept getting calls from them, I sent a certified letter to them just like the FTC and CFPB advise consumers to do. In my letter, I told them I disputed the debt, and I told them, " Please don't call me. '' I also told them that they had the wrong number. They still called me. So I sent another letter. They still called me. So I sent another letter. They still called me. So I sent another letter. They still called me. So I sued them. They removed the case to federal court and then ... .wait for it ... .they still called me. So I sued them again. They still called me. So I sued them again. They still called me.
When they call me, they are using an automated telephone dialing system. I know this because they call me and then hang up on me.
They have already admitted in federal court that I don't have an account with them or owe them money, but the harassment continues.
Collecto is now DELIBERATELY calling me and hanging up because they want to retaliate against me for suing them.
This is ridiculous and I want it to stop.
|
| 05/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am reporting a fraudulent account open in my behalf. Under the company XXXX the account was send to collections. Not only I never had any knowledge of this account but I see. The account for the first time in my credit report after it affected my credit tremendously. I made several attempts to dispute the issue. Explain to them that fraud was made using my information. They decline the dispute because they have documents that prove it wasnt fraud I would like to get a hold of those documents because one I never open a XXXX line I dont even own one myself. Someone open 2 different accounts under my name around the same time one for XXXX and XXXX for XXXX XXXX XXXX Wich they already handle that. But the XXXX account they refuse to close this fraudulent. I cant pay for something. I wasnt responsible for. Its unfair I have been laid off work since pandemic started let alone im gon na open a phone line. Absolutely not!!! This is effecting my credit line tremendously. I would like for a fair approach because I didnt open this I been a victim of fraud from 2 different companies just days apart. Please help me thank you so much
|
| 08/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
EOS CCA is collecting for XXXX XXXX. I don't owe XXXX XXXX. I have informed EOS of that from the moment they first made contact. I have asked them to prove that I owed XXXX but they just ignore me and keep attempting to collect this debt. XXXX XXXX gives all customers a 14 day ( from date of purchase ) trial period to try out the phone and XXXX XXXX without incurring an early termination fee. I terminated and went back to XXXX within the 14 day period and verified that with XXXX. EOS CCA has and is ignoring my pleas for debt validation and continue to report this to the credit bureaus despite my pleas, disputes and presentation of accurate information. They also re-aged the account to do maximum damage to my credit. I have asked them to validate the debt numerous times but they will not listen. When I just recently contacted them to try a different route they stated they could not delete this and that the only people who can delete this is the credit reporting agencies. They continue to give me false information and ignore my requests for validation. All the while they report derogatory remarks while knowingly in dispute.
|
| 06/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
EOS CCA is in blatant violation of the FDCPA Section 809.
I mailed 2 validation requests via certified mail article # XXXX XXXX XXXX XXXX and the other article # XXXX XXXX XXXX XXXX XXXX.
EOS CCA ignored my requests and failed to provide full and proper validation that FDCPA Section 809 provides. EOS CCA IS IN CLEAR VIOLATION OF THE FDCPA FOR CONTINUED COLLECTION ACTIVITY WHICH IS A VERY SERIOUS VIOLATION UNDER THE FDCPA.
This erroneous alledged debt does not belong to me!! I want this debt removed from my credit reports IMMEDIATELY.
NO VALIDATION WAS PROVIDED WITHIN THE 30 DAY TIMEFRAME UNDER THE FDCPA. The FDCPA was enacted by congress to protect consumers.
Everyday I writhe in pain from a XXXX XXXX, and being a senior citizen does not make it any easier.
This is WRONG! EOS CCA has committed a litany of violations, including not marking the account in dispute on my credit report ( s ).
I plead with the Consumer Financial Bureau to help me to have this information removed by investigating this firm and see if any other ill senior citizens are - having their credit reports and overall financial lives damaged.
|
| 10/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I contacted EOS earlier this month, around XX/XX/XXXX or XX/XX/XXXX, to discuss a settlement offer for an account they are currently attempting to collect on for XXXX XXXX XXXX. I asked what a one time settlement offer would be. The representative asked for updated contact information. I provided it as a good faith gesture that I was attempting to and had plans to settle the debt. When I provided my contact number, I told the representative not to contact me between the hours of XXXX XXXX - XXXX XXXX Monday through Friday because I was either commuting to and from work, or working during that time. I do n't talk or text while driving for safety reasons and I would get in trouble if I am on the phone during work hours. I also requested not to be contacted on Sundays. I have received 3 calls from them this week. The first two I did not answer the phone and those occurred on Tuesday, XX/XX/XXXX @ XXXX XXXX and this morning ( XX/XX/XXXX ) at XXXX XXXX. They called again at XXXX XXXX this afternoon ( XX/XX/XXXX ). I answered and the representatives phone connect was cutting in and out so bad I could barely understand the rep.
|
| 09/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On or about XXXX/XXXX/XXXX the XXXX store in XXXX NY sold me on the idea of changing my cell phone and associated service plan. The premise of the sales pitch was that a combination of promotion offers and discounts I could get a new and better phone fo the same monthly fee. I would have to give up my existing unlimited data plan in the process. I accepted this proposal.
Fortuneately we wrote down line by line detail how the resulting bill would be structured. Over the first XXXX bills XXXX deconstructed the conditions of this deal. I have retained the originally structured promised billing and email with the XXXX store employees discussing the breach of the same promised billing. XXXX baited and then switched.
By XXXX XXXX it was obvious XXXX would not honor our agreement. On or about XXXX/XXXX/XXXX I settled my service bill and paid the balance owed on my phone in cash at the same XXXX store. This phone was reactivated the same day across town with an honorable carrier.
It was XXXX that breached the trust of our arrangement. I believe what they are seeking is a punitive charge for the argeement that they broke.
|
| 02/11/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I had a debt that was sent to EOS CCA from XXXX XXXX. I settled the debt out with paying less than I owed last year in XXXX. I received two 1098- E statements issued for the amount {$3300.00}, but with separate Lender Name 's and TIN. I am unsure which one I should use to file my taxes, which I have been transferred several times and have gotten no where.
EOS XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX and US Asset Management, Inc XXXX XXXX XXXX XXXX, XXXX XXXX Why would I receive two 1098E statements for the same debt. Also, I received a 1099C on the canceled portion of the debt, but per Notice XXXX-1 that lenders are not required to, and should not, issue Forms 1099-C when certain student loans are discharged. Lenders and their servicers should act now to review their tax reporting procedures for compliance with the Notice.
Based off review of the notice, it pertains to private student loans, which this company collected on behalf of XXXX XXXX, which would considered a private student. The company issued the 1099C, which would impact my taxes and cause me to have to pay taxes on the canceled amount.
|
| 04/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX, I left for a trip to XXXX. Prior to leaving, I called XXXX and asked that my service be temporarily suspended until I returned. This was agreed to, that my service would be suspended and that I would not be charged. I returned in XX/XX/XXXX and called XXXX to restart service. I also received bills from them in the meantime. Both on the phone and through the bills, I verified that I had a {$0.00} balance. I requested to restart my service and it was.
The next bill I received was very high. I was charged for the time I was gone, for breaking my contract, and a service fee to restart service. I called to dispute this and through a series of phone calls, it was agreed by more than one representative that I was in the right. But the charges were never taken off the account. I called repeatedly and each time I was told that this would be fixed and each time it was not. As a last resort, I wrote on the XXXX community forums what had happened. I was contacted by a XXXX representative and told this this would be fixed but it never was. So I stopped using XXXX and moved on to a different service provider.
|
| 02/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notice to collect a debt, on XX/XX/XXXX on XX/XX/XXXX I called to verify debt and speak to a manager about some discrepancies within the document. I was given an additional phone number to call a manager separately. So I called the same day XX/XX/XXXX and was put straight to voicemail. I gave it a few days with no response, called again between XXXX left another voicemail, still no response. I then called the main number again asking for a way to clarify/resolve this complaint only to be told to speak to a manager and gave me the same number, which I then said I had already tried calling. I then called again 2x on XXXX ( the managers number that was given to me ) and left additional voice messages and still as of today XX/XX/XXXX still have not received a response back. However, today this account was reported on my credit report without ever receiving a phone call or verification.
I also want to note that I even called the original creditor ( the medical facility ) who also told me I need to speak to EOS to resolve this matter. So I have exhausted all I can do until a manager calls me back.
|
| 08/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
On XXXX I was attempting to acquire a landline telephone service from XXXX XXXX XXXX ; spoke with " XXXX '' in which a temporary number was issued, XXXX ; stating {$34.00} monthly waiving the activation fee. A few days later XXXX telephone wires arrived in the mail. I wanted to KEEP my existing old number ( XXXX ). Time passed, my " old '' number was not ported out and completion of the order was not finished leaving me without any service. I obtained WI-FI with a different company. I called XXXX XXXX XXXX and informed them I did not have service with them when months later they sent a {$100.00} bill. Afterwards, several collection agencies were demanding the amount of the bill. I contacted both XXXX XXXX XXXX & the collecting agencies and informed them the debt was invalid. XXXX XXXX XXXX told me it was with a collection agency & the collection agency told me to contact XXXX XXXX I spoke with " XXXX '' on XXXX XXXX -- collecting agency XXXX ; and " XXXX '' on XXXX when he stated " no longer has account ''. I asked them to remove the debt from all three credit bureaus which has harmed my financial status.
|
| 03/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Upon finding the company EOS CCA reporting what appears to be a XXXX debt against me, I disputed this back in XX/XX/2019 since I did not know what it was for. It was only reporting to one bureau ( XXXX ) so I though perhaps it was an error.
when XXXX claimed they verified the debt, I sent a letter to EOS CCA letting them know and requested validation of debt. I never did receive validation, only a collection notice. I then sent in another demand in XXXX and XXXX. Each time I only receive back a collection notice that does not provide me any type of proof or what is sufficient evidence of this debt.
I am including the letters I have sent and the only things I keep receiving from them to show that these dont support proper validation of debt. I do not want to call this company nor should I have to considering I have made sufficient efforts to find out what this is.
I can not understand how they can still report it and claim to verify this when they still dont show anything from original creditor etc.
I understand request for validation is a lawful request and this company has failed to comply.
|
| 05/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX home phone services indicated that I obtained home phone service from XX/XX/XXXX through XX/XX/XXXX which is untrue. My building is and has always been wired to only XXXX services since the opening of XXXX. I have contacted the XXXX in regards to this matter of this debt collection that is not mine and I provided bills within that time period indicating I have had XXXX since XX/XX/XXXX and I have also provided ample documentation from my landlord stating XXXX is the only wired service in this building and no other providers are allowed. The end result was that the case was closed on XXXX 's end due to the findings and documents provided on my behalf. Now I receive a different collection of debt letter from another agency, with another amount that is less than the original debt, with the same client account number. I am being harassed after going through this a time before and this is causing a disruption in my life especially when I didn't sign up for any XXXX XXXX services. XXXX couldn't even verify an installation of services and there was no account or payment activity on the account.
|
| 02/14/2017 |
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 have received several calls in the past 2 weeks from a debt collection company call XXXX XXXX XXXX XXXX XXXX. I was contacted concerning a {$340.00} debt in XXXX with XXXX. I was told that the debt was given to XXXX XXXX XXXX by XXXX ( another debt collections agency ) on XXXX XXXX, XXXX. I was also told " XXXX did n't have a phone number to XXXX but I can XXXX them ''. XXXX of the people I talked with at XXXX XXXX XXXX was XXXX XXXX. XXXX XXXX demanded that I either " pay my debt or dispute it ''. I explained several times to XXXX that I already disputed the bill and it was removed from my credit a few years ago because in XXXX XXXX was charging their bills in advance without notifying us as customers. I requested that I be transferred XXXX to ensure this wo n't be an issues going forward since its been 11 years but, was refused my request. I did XXXX and found their phone number XXXX. I talked to an operator who then transferred me to someone in " consumer credit '' named XXXX. XXXX did n't know how to help me either and ended transferring me back to XXXX without any solution to my concern.
|
| 04/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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EOSCCA Dispute Department Account Number XXXX The above referenced account was cancelled in XX/XX/XXXX and the balance of {$250.00} was paid to XXXX using my checking account on XXXX.
I called XXXX several times to let them know the balance was full paid and I have the proof of payment on my Checking account statement. XXXX assured me that they were going to look in to the transaction and rectify the error and report is accurately to the credit bureaus. Now XXXX is telling me as of XX/XX/XXXX the account was sold to EOSCCA and they can not rectify the error. XXXX provided me the number for EOS and told me to contact EOS and have EOS correct the error.
I called EOSCCA disputed the transaction and even sent them a written dispute letter.
I have not received any response from EOSCCA..
I have attached the screenshot of my bank statement as a proof of payment.
XXXX is a pathetic company, you can XXXX and read XXXXXXXX XXXX Review, thousands of customer complaining about XXXX Malpractice, Collecting extra money from customer.
I need this resolved and my credit report updated.
Thank You
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| 07/17/2018 |
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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On XX/XX/18 I saw that I had an item on my credit for XXXX XXXX. It appears EOS is the collection company. I sent a letter requesting validation to the two credit bureaus that it was reporting to. On XX/XX/18 EOS sent me a letter that gave the name of the original creditor and the balance. They didn't include anything like a contract. They basically just said this is your debt and this is the original creditor. On XX/XX/18 I requested from the credit bureaus actual proof of how they validated it such as a signed contract from XXXX/EOS. Instead, I received a settlement offer in the mail from EOS dated XX/XX/18. My XXXX credit report dated XX/XX/18 shows EOS remains. However, it doesn't appear to be on my XXXX credit report dated XX/XX/18. It has been just over 3 months that I have been dealing with this situation. I have followed the steps that I should to ensure the items on my credit report are mine and reported the way they are supposed to. EOS is keeping me from reaching my personal goals due to their unwillingness to provide the documentation that shows this debt is indeed mine.
|
| 02/04/2021 |
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 sent a dispute letter to XXXX in regards to a collection company named EOS CCA on XX/XX/XXXX and was delivered on XX/XX/XXXX about an account that doesn't belong to me and I never received a response in the mail and by law in the fair credit report act section 611 ( a ) Requires that a company has 30 days to do an investigation on the date of notice they receive the dispute. I never received nothing in the mail from XXXX. I repeat this account does not belong to me. Then I sent two validation of debt letters to this collection agency once on XX/XX/XXXX and was delivered XXXX XXXX. Which another 30 days went by still i've heard nothing from this company which is another violation of the fair credit reporting act. I've now sent out another letter on XX/XX/XXXX that was delivered XX/XX/XXXX to this collection company asking them to cease & desists all collection activities because they have no proof this debt belongs to me. I've sent out three different disputes to this company EOS CCA and still no response I would like for this collection to removed from my credit report immediately
|
| 01/06/2021 |
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 want to report malicious business practices committed by EOS CCA. They allegedly acquired a debt in my name from XXXX which is currently being reported on my XXXX credit report. In speaking with XXXX, I have once again confirmed that this alleged debt should be considered invalid and collection efforts stopped. With that said, EOS CCA continues to pursue collection, without viable cause in defiance of cease and desist demands. This includes continuous reports of monthly late payments on an account that should not exist. These false claims have inflicted hardship to myself and family in the area of financial advancement and have created unnecessary stress. I am firmly confident that multiple violations of the Fair Credit Reporting Act are in place. This debt is completely false which will be proven in due time. My hope is that EOS CCA will swiftly rectify this situation, stop all efforts, and remove all negative reporting in order to avoid future escalation. Today 's consumers face many difficulties. We shouldn't have to worry about predatory and unwarranted collection practices.
|
| 05/17/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
We had signed up for XXXX XXXX cable for approx 7-10 days and figured out it would not work for our large family as only 4 tvs could be used at once as the rep that sold us the service never told us about the limitations we called the company and they said it would be about a year before they were going enhance the services to allow more tvs to be viewed at once. We were a family of XXXX at that time, so we were fighting on who got to watch their shows and who did not. Being XXXX of the family members were teens it caused major problems. I cancelled the service and went back to XXXX, which I can supply dates to correspond with the events. Being that we cancelled we were told to ship back the equipment. I did so. XXXX wanted to charge me for the equipment. The equipment was returned and received by the company and acknowledged by a rep I think in 2014 it was. I then asked for the equipment to be returned as I was not going to pay for something was returned. To this day, I still have not received the equipment returned to me. The equipment is with XXXX. return it and I will pay.
|
| 03/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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To Whom It May Concern, The reason for my dispute is EOS CCA was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, EOS CCA failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of New York allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) EOS CCA failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation EOS CCA is held liable as well for defamation and in the state of New York. EOS CCA has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
|
| 10/21/2020 |
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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EOS CCA, XXXX. XXXX XXXX XXXX, MA XXXX Account # XXXX RE : XXXX {$1000.00} Upon speaking with a Debt Collector about this alleged debt. I immediately, informed the Debt Collector that this was not my debt furnished on my credit report. I informed her that I did not open up a XXXX account in XXXX, NY at anytime. I proceeded to state that I have not used my maiden name since XXXX and disclosed that I have been residing in XXXX since XX/XX/XXXX. This Debt Collector requested for me to proved that I did not owe this debt. She proceeded to ask for a payment " full '' or " half '' before sending me the forms. I responded " No '' that I am not paying for this debt I didn't create.
I proceeded to ask what proof they had bearing I open this XXXX account. Upon, receiving this notice I sent a copy of my old driver 's license, paystub and insurance card bearing my marital name as well as proof of address. Because, this has been very damaging my credit profile. In fact, this defamatory remarks has hurt my opportunity to purchase a home.
I have disputed this matter more than once.
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| 10/06/2021 |
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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On XX/XX/2021 I got an alert from XXXX about a collection agency on my report affecting my credit. I immediately went to verify and confirm that a collection agency under the name of EOS CAA ( XXXX XXXX XXXX XXXX, XXXX ) representing XXXX initiated a collection attempt for the amount of {$360.00} under my name.
I immediately reported this collection as this is not my account, as I never had an account with XXXX.
It is important to mention that this is NOT the first time XXXX intent to send a collection company to me. About 2 yrs ago the exact same situation occurred and I reported it to the authorities, Social Security, and put a FREEZE on my credit and since then in order to increase the protection of my personal and credit, I locked all 3 credit reports on all the bureaus. Also, there is a Fraud alert on my Social Security and credit as well.
So, PLEASE for this reason Im requesting an in-depth investigation on this matter and clear my name and credit from this collection on my report.
Thank you for your prompt attention on this matter.
Respectfully XXXX XXXX
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| 10/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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XXXX reported a {$670.00} collection account to the credit bureaus on XX/XX/XXXX. I disputed the collection account and it was removed. However, starting XX/XX/XXXX EOS CCA started reporting the same account amount {$670.00} as a new collection account even though it had previously been removed. I've disputed the EOS CCA account with the company. I've requested that they demonstrate that they are licensed in Maryland as required by Maryland statute, but they have refused to proved proof of license to operate in Maryland. Further, base don either the original XX/XX/XXXX XXXX reporting date or the XX/XX/XXXX EOS CCA reporting date, the debt ( if even valid ) is passed the 3 year Maryland statute of limitation and is noncollectable. My credit score dropped at least XXXX points when EOS CCA started reporting the XXXX account as collectible. As a result I am unable to be approved for a conventional mortgage loan and I am currently at the low limit of qualification for a FHA loan. Just this month I was denied a rental application because of the EOS CCA collection account.
|
| 08/20/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't temporarily postpone payments
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Web |
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I went through XXXX school to achieve a better life through the use of my education. When I got my XXXX I used it for almost two years then I ended up with XXXX in both XXXX and had XXXX. I lost the full use of my XXXX and became impaired to do the job that I was certified to do all while going through some intense life situations, I almost lost my house, I lost my job, I now have additional medical issues that inhibit my life severely and they are not likely to be resolved in my lifetime and finally bankruptcy. Two years ago in 2014 my bankruptcy was finalized. It has been 2.5 years and the loan was recently acquired by a collection agency. Just within the last month they have consistently and aggressively contacted me to tell me that they were going to do a charge off. That this is the " Final Demand Notice ''. I am also currently responsible for a $ XXXX federal student loan that I have been making 18 years of payments on and the net of the loan has never decreased. At this point I am in a black hole and I do n't foresee light for many years if at any time.
|
| 09/29/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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I received a call from XXXX ( XXXX ) XXXX from a company called EOS - EOS, XXXX XXXX XXXX, XXXX, MA XXXX attempting to collect a $ XXXX debt for a private student loan I received and paid off. They provided me with a home address that I was completely unfamiliar with, but appeared to be the location where my cosigner lived, someone I am no longer in contact with. This debt was paid in full years ago. I told them any attempt to collect any debt should be sent in writing to my home, but they were unable to verify my home address. Further, the only information they were able to provide me about my account was my date of birth, the name of my college, and the name of my co-signer and his address and a debt amount of XXXX. When I told them that all of my student loans were paid in full, they asked that I fax verification to their company at XXXX XXXX XXXX. Upon XXXX this company, it appears they try to collect on debts that have already been closed, and report to credit agencies. If that should be the case, I would dispute it because these accounts are closed.
|
| 11/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX when I contacted the debt agency EOS CCA in regards to a remark on my credit report they could not provide me with any information regarding the account they were trying to collect for. I had no information on what services were rendered or anything. I asked for this information in writing and have yet to receive any information. I am in the middle of purchasing a home and this is when this account was brought to my attention. I immediately contacted the creditor to resolve. On the recorded call with the agency it was told to me that if I payed and settlement with a certain amount that the account would be completely removed from my credit report due to them not sending me any information before reporting on my credit!. Today XX/XX/XXXX I attempted to contact the agency in regards to the closed status showing on by report instead of the removal and they told me pretty much too bad. This is false representation on their part and should be illegal! They can not give a costumer false information and Collect money from them under false pretenses.
|
| 08/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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In XX/XX/XXXX I took a position overseas in XXXX XXXX with the XXXX XXXX. I disconnected my cable service, turned in the equipment and settled my final bill because I was going to be gone for a minimum of 2 years.
After I returned to the states in XX/XX/XXXX and wanted to reconnect my cable service, I was told I owed $ XXXX which is now {$190.00}. I refused to pay it because I had a {$0.00} balance when I left. I have no receipt of payment. My extensive credit report shows that I have never been late or had any negative report on my credit report yet the credit bureaus and XXXX refuse to correct the error and almost yearly ding my credit report and bring my score down as well as cause tremendous stress.
The account is currently in collections and as recent as yesterday have ding my credit report again. I refuse to pay this bill because I simply was out of the Country working for the XXXX XXXX during the period when I allegedly owed the bill. They are also very aware that the account was disconnected in XXXX XXXX which is consistent with the XXXX XXXX.
|
| 08/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
After reviewing my credit report, I noticed several mistakes. There were names and addresses that I do not go by for starters. Also, the accounts that reported to collections were medical bills. I was always covered under my parent 's insurance, and the balances shown on my credit report were inaccurate. There were several companies that I did not recognize or sign a contract with. I did not agree to pay the interest tacked onto my bills either. I requested an itemized statement and contract, but never received either. Instead I received one generalized collection letter that explained nothing! I disputed these errors with all 3 credit bureaus, and only a few were resolved. This is extremely frustrating for me because my credit has been significantly hurt because of these errors of medical billing offices. I have exhausted all efforts in resolving these accounts, and they wont even send me supporting documents to their claims. If they can not provide adequate paperwork, then they should remove this off my credit as the Fair Credit Reporting Act regulates.
|
| 09/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
EOS CCA was assigned to collect on an alleged final bill from XXXX XXXX. They never sent any communication or a dunning notice to me. The address in the bill was incorrect even though both EoS CCA and XXXX XXXX had my correct address ( see attachments ). Additionally, although by their own admission the debt is from XX/XX/XXXX, they have incorrectly reported it on my credit report as XX/XX/XXXX, which will make it stay on my report an additional XXXX years. I never became aware of this debt until I saw it on my credit report. Even though they have violated the rules set to protect consumers like me, they have refused to do anything about it. I had no problem paying it, if it was legitimately owed, even though in all the years of having national grid I have never been made aware of it, if they would remove it from my credit report. They have refused to do anything to make up for their own mistakes and I am left with a wrongfully placed collection on my account. I would like this item removed from my credit report as it should never have been placed there.
|
| 06/25/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was contacted by XXXX about an unpaid bill. The total amount due was {$220.00}. XXXX offered a settlement in full for the amount of {$67.00}. I paid this amount via my debit card and it was applied to my account on XX/XX/2021. Later I received my settlement in full letter dated XX/XX/2021 from XXXX stating the debt was settled and they would notify their client. I am attaching a copy of this arrangement.
Apparently, XXXX XXXX did not do as required, and notify the original creditor that they debt was settled in full. They only reported a {$67.00} payment towards the balance, not a legal settlement that was agreed to. So now, the original creditor has sent this same account out to two other collection agencies to try to collect the remaining balance, when the account has already been legally resolved months ago.
A collection agency named XXXX XXXX is reporting it now, and another named EOS CCA also has their hands on it. It is highly illegal for all of these parties to continue to do harm to my credit for an account that was resolved months ago.
|
| 07/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I disputed an item that was falsely added by this creditor. On my credit file, they claimed I owed {$360.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, not a word from this company, they failed to provide me any viable evidence or documentation bearing my signature that I have a contract with them. See attachments of proof of my one-sided interaction with this company. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, still no response. This inaccurate information is still reflecting on my XXXX and XXXX credit report. Haven't gotten a phone call or a letter of any kind from this company acknowledging that they've received my complaint letters. This is illegal and unethical on their part. They're in violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) and the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
|
| 04/28/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
I am requesting the XXXX % Formula to begin Rehabilitating my Student Loans.
My Servicer EOS-CCA is not following the U.S. Department of Education Guidelines for determining my monthly payment.
They are saying I have to take my Gross Income, rather than AGI, which is not correct.
The XXXX % Formula clearly states : XXXX % of difference between Adjusted Gross Income ( AGI ) - XXXX % of Poverty Level for Family Size of XXXX ( my family size ).
XXXX & ( XXXX estimated ) AGI = XXXX ( I provided XXXX IRS Form XXXX & XXXX Form XXXX ).
XXXX Poverty Level Family of XXXX = XXXX ( www.federalregister.gov ) @ XXXX % = {$17000.00} Difference = - {$870.00} Minimum Payment = {$5.00} / mo.
I have the right to Rehabilitate my Student Loan using the Department of Education XXXX % Formula and they are not following the law.
Please advise what I can do to get my Loan Rehabilitation started when the Servicer ( EOS-CCA ) is not playing by the rules.
Is there a CFPB, U.S. Department of Education email or contact that I can complain to or override the Servicer?
|
| 11/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
EOS CCA is attempting to collect on a account that dont belong to me. I was resently notified by my credit monitoring service that I have a collection account that just appear on my credit file. I am not the rightful owner of this inaccurate and illegal account. I have never live at the address associated with this account. It is showing a address XXXX XXXX XXXX XXXX XXXX Massachusetts. This is the same inaccurate and illegal account another collection company XXXX XXXX XXXX XXXX attempted to collect on. I file a complaint with the CFPB on XX/XX/XXXX of last year and had this exact inaccurate and illegal account remove. These collection company just move these inaccurate and illegal account from one collection company to another placing them on customer credit reporting Hoping someone that doesnt own the account just pay. These collection company know that this is unlawful and violate the Fair Credit Reporting Act requirements.
I am providing proof documentation of my State issued drive license as proof of my address for the past 15 years.
|
| 07/25/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a call back XX/XX/XXXX from EOS to collect for an old phone bill which owed {$1400.00}. I made a settlement of {$710.00}. The arrangement was as follows first payment of {$200.00} by XX/XX/XXXX, second payment by XX/XX/XXXX of {$250.00}, and third payment of {$250.00} on XX/XX/XXXX. The first payment supposedly didn't go through on XX/XX/XXXX and the collector called again the next day on XX/XX/XXXX to let me know payment didn't go through. I told the collector to please run the payment for the full original amount since I was not home and didn't have the settlement letter on me at the time. However, rather than setting up the payment for {$200.00}, he set it up for {$100.00}. I have finally completed all of my payments for the settlement and I am barely getting notice from the collector that I still owe {$100.00} due to an error on their end and that my account is not closed as agreed due to this error on their end. I spoke with the managment of the company and they are now refusing to settle the account the for the amount paid.
|
| 08/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
ATTENTION COMPLAINT DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information in my file. EOS CCA XXXX Status Closed Balance {$140.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$180.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$140.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$58.00} Type Collection Payment Status Late XXXX XXXX XXXX and collection company did not have my correct address on file, after my credit report company contacted me to report this change I became aware of the charges I immediately called and paid in full. I am requesting that the item be removed to correct the information on my credit report. Please reinvestigate this matter and remove the disputed item as soon as possible as Im in the process of purchasing a home! If you have any questions please feel free to contact me at XXXX XXXX XXXX XXXX or XXXXXXXXXXXX. Sincerely, XXXX XXXX
|
| 04/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
in XX/XX/XXXX a collection acct showed up on my credit reports from eos cca. In XX/XX/XXXX I contacted the company through the phone # listed on my report after not receiving a dunning notice. I advised this is not my account and I do not owe their company and asked them not to report to which they responded by hanging up on me. I called back and spoke with a supervisor and explained again this is not my account and that I would need to start recording the call which was met with the same fate of the survivor hanging up on me. I then contacted XXXX and they stated they had no information in regards to me owing any amount to them. I then contacted eoa cca to advise what I 'd learned from XXXX only to receive rude and accusatory comments. I did n't not reside in the state that the representative said the account was in.
Persistent attempts to collect debt that the consumer did not owe.
Improper communication tactics.
False statements or misrepresentations.
Failure to disclose information that would allow the consumer to verify the debt.
|
| 06/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have a a unverified account from EOS CCA # XXXX. I had previously disputed this account. I have never done business with EOS CCA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt EOS CCA purport I owe. I no longer wish to receive phone calls from this company for any reasons.
I request that EOS CCA Provide verification of the following : 1. ) 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 EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 03/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This started in XXXX. I was notified by EOS CCA about an account opened with in XXXX, saying we had a past due amount of {$84.00}. The last name is wrong and so I called XXXX and was told I was never sent to collections, since the account was opened and closed within a few weeks, with no due balance. They no longer could give me any more information. I contacted all 3 credit bureaus and within 24 hours, the collections debt filed on my accounts were closed. In XXXX, I received another letter, I have enclosed. I contacted Maryland 's Attorney General and was connected to an Examiner XX/XX/XXXX. I can not find the response from EOS CCA, but I have reached out to the original Examiner for more help as well. They admitted they made a mistake and was going to be closing the account. As you can see, we received another noticed and the difference between the previous letters are the prefix account numbers. This is a scam to get money we never owed. Will they continue to harass me each year by simply changing the prefix account? I need help.
|
| 09/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have dispute the appearance of a collection on my account repeatedly that is not accurate and I am getting frustrated by EOS contacting me, calling me and my family members and sending me letters regarding {$360.00} that they think I owe them. I do not owe anyone anything, I have no idea how or where they retrieved this sum since I had settled the sum in full with XXXX XXXX XXXX!!!. I mean this is so old and I can not imagine how and why they continue to pester me. I have asked them to stop and they have refused and I have asked them to stop ruining my credit and they refused. I am certain these unlawful practices are punishable by law, the statue of limitation is far exceeded here with these collectors. My concern is if I settled all of my debts why am I being double billed by this company? Who are they? I even disputed the validity with the 3 bureaus and requested a validation of debt and nothing was provided. Please investigate this and have them remove their erroneous account from my credit profile 's. this is getting alarming!
|
| 10/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I filed a complaint through cfpb on XXXX XXXX, 2015 about a debt that did n't belong to me for XXXX XXXX that XXXX XXXX XXXX was collecting on.
At the time, there were XXXX accounts that were affecting me and we reached an agreement that I would pay off XXXX account and XXXX XXXX XXXX would remove the XXXX account from my credit report and consider it resolved.
XXXX XXXX XXXX followed through with what they said and removed the account from my credit report, but that account has apparently now been sold to another collections company ( EOS CCA ) who has put the account back on to my credit and started collection attempts on the account that was supposed to be resolved.
The case number that was created before is XXXX and has a related case number of XXXX. The XXXX century link account numbers are XXXX and XXXX. Account XXXX is the account that was removed and apparently re-sold to another collections company. Account number XXXX is the one that I paid.
I have attached a copy of the accepted complaint from the original company.
|
| 12/01/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I am a XXXX and I was exhausted one day after working a 14 hours shift and received a call from a rep from EOS. I was told I owed for a medical account that I knew nothing about. I advised the rep that it had to be a mistake because I have insurance and advised her that I was a nurse. She said according to her records it was my debt and I needed to pay this account and asked how would I like to pay today?
I asked if I could get her information and call back? She asked why could I take care of the account today and or why did I need to call them back? I ended the call ... .. I felt very uncomfortable with the conversation and I was not going to be pressured into paying for something I did n't owe.
I looked at my credit the following day after I got some rest and notice the account had already been placed on my credit!!! I do n't owe the debt and it was not properly validated. I never received a notice in the mail only a phone call and at that point the unknown account was already placed on my credit EOS CCA Account number XXXX
|
| 04/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On or around XX/XX/XXXX, I received a letter from a collections from a company called XXXX XXXX XXXX stating that this company is trying to collect on behalf of XXXX XXXX. When I called the company and asked for info regarding the bill, the collection company states that this was a bill for services rendered by XXXX XXXX in XX/XX/XXXX. I recall having XXXX XXXX but I cancelled my service at the end of XX/XX/XXXX and should not have been charged for XX/XX/XXXX. I requested proof of services rendered from the collections company XXXX XXXX XXXX XXXX. On or around XX/XX/XXXX, I received the XXXX XXXX bill that is attached as a part of this complaint. This is bill does not show any services rendered, it simply states that this bill is a bill that is based on a different prior bill. Additionally, it references equipment that I know was returned and was confirmed by XXXX as returned. The bill provided by the collection company did not provide proof of services rendered that I requested and is therefore an illegal collection practice.
|
| 11/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I noticed a debt on my credit report from EOS. Collections company. They claim I owe a debt of XXXX..from a service for which I orginally cancelled my XXXX account at the address if XXXX XXXX XXXX. It was paid in full and I returned the Equipment. They are stating the debt is from XXXX XX/XX/XXXX. I did not reside there at the time. I moved to XXXX XXXX XXXX in XX/XX/XXXX.
I tried to explain all this to them..but they still were trying to get some money. I told them..why should I pay for a debt..that is not mine. I did not live at that residence. during the time period they claimed.
I hope to get this resolved and removed from my record..and credit reports. I did live at XXXX XXXX XXXX.for 19 years..the home was in foreclosure from XXXX till the time I moved out in XX/XX/XXXX. But my XXXX account was paid in full. I was not there during the times they claim I owed the bill. Which was XXXX..to XXXX XXXX..the house was empty.
I was residing at XXXX XXXX at the times claimed debt they stated. Please help me resolve this.
|
| 07/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have to say the date was a while back probably XXXX or 2019 when I had XXXX XXXX The problem was I closed my account with a XXXX balance and a few months later they said I owe them a balance. I dont know why most cable companies charge a balance and say money is still owed when someone closes their account because he or she no longer needs it. But, I was getting these phone calls from a collection ( EOS ) saying I owe money to a cable company which later I paid. Its still showing on my credit report as in collections and open impacting my credit score. I tried one company XXXX XXXX XXXX to have it removed and to fix my credit report but they were just taken me around in circles telling me the same thing over and over again ; so, I canceled my service with them and went with someone else who has made progress with in a month. But EOS has my credit score hostage when I gain points that it drops back down and when I try to earn points by renting things and paying them off on time I do not receive any points what so ever.
|
| 07/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Eos cca contacted me by phone saying that I had a {$270.00} debt from XXXX from 2012 and asked for my credit card number to pay off the debt. I have never had an XXXX account in my name, and had certainly never received any type of notification of debt. The only information I could find on this company was on XXXX and I read several stories similar to mine. I called XXXX and they had no record of me having an account or ever having a debt. I called Eos and told them this and they said that a customer service representative wouldnt know since they sold the account to the agency. I then called XXXX back and they said that even after they sell an account to a debt collector, they keep a record of who they sold it to and such, the account does n't just completely disappear. Eos said they would send me a fraud kit to fill out but it just does n't seem legitimate. They also said they already reported me to the credit bureau which seemed more like they wanted me to go ahead and give them my credit card number over the phone.
|
| 04/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have a a unverified account from EOS CCA XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt EOS CCA purport I owe. I request that EOS CCA Provide verification of the following : 1. ) 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 EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
|
| 09/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have contacted XXXX XXXX and EOS CCA. I made the request several years ago to XXXX XXXX and all of the past collection agencies claiming that I owed a debt to XXXX. I settled all of my prior debts with XXXX when I received my final bill prior to changing carriers. I 've disputed this for the past three years.
Starting in late XXXX I began to receive letters claiming I owed this debt. I knew I did n't and waited patiently for XXXX XXXX and the pool of collection agencies to realize that. I request on numerous occasions that I receive a copy of my original last itemized bill from XXXX. XXXX XXXX nor any of the collection agencies honored my request.
This Derogatory Public Record has cost me years of lower interest rates, possible credit and new job considerations. There should be some form of monetary restitution. Credit Bureaus and Collection Agencies must do a better job of investigating the facts before this irreversible damage is done to consumers. " This is egregious, and worse than, " Identity Theft. ''
|
| 08/02/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My issue is about the time giving me XXXX XXXX XXXX to making the loan Payment was to early to provide making payments in the period stablish. I was continued study my XXXX XXXX on that time, I m Submiting the student Loan on XX/XX/2012 at XXXX XXXX XXXX.
I am a Graduated from XXXX XXXX XXXX for a XXXX degree XXXX XXXX XXXX on XXXX XXXX.
My university completed and send the defertment Disclousure at the time requested by XXXX XXXX office, also maintain comunication by Phone calls. I Feel there was a ilegal management about my account, because XXXX XXXX XXXX sale my account to EOS CCA Collector Agency, without any agreetment or payment option to me.
My credict History is actually it been Damage by XXXX XXXX XXXX and without the posibility to request financial support to other banks or to receive beneficts an services.
Customer have the rights to have good credict by the credict fair Law.
I hope that your investigation finding are positive in response to this issue.
Thanks, Sincerely, XXXX XXXX XXXX XXXX.
|
| 12/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX ( amount= {$8500.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX ( amount= {$4400.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX ( amount= XXXX ) Account Status= Negative the account was closed and paid in full with no late payments XXXX XXXX XXXX the account has been paid in full to delete from credit report ; please remove XXXX XXXX ( XXXX XXXX ) the account has been paid in full to delete from credit report ; please remove XXXX ( XXXX ) the account has been paid in full to delete from credit report ; please remove Please remove all of the following account off my credit below : XXXX Unverified account XXXX XXXX XXXX Unverified account XXXX XXXX Unverified account XXXX Unverified account XXXX XXXX Unverified account XXXX Unverified account XXXX Unverified account Contract Callers XXXX Unverified account XXXX XXXX XXXX XXXX Unverified account XXXX XXXX XXXX XXXX Unverified Account
|
| 06/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
OnXX/XX/XXXX2015, I took out three phones from XXXX with a family plan. A week later, I returned all three phones on the store, located at XXXX, XXXX County, Florida because the phone connections do not meet our expectations. Since I returned my phones to XXXX because the expected signals did not meet our family expectations, and I paid the appropriate fees for that transaction, and I am not obligated to pay anything to this company. However, XXXX has tried to collect a debt of {$830.00} with different collection companies. They have hurt my credit inappropriately and despite my phone is placed in " Do not call list '' they are continuing calling me looking for the " supposed '' debt. Despite, I have sent several letters requesting a Video recorded analysis in the store in which the supposed transaction was done, they have omitted this fact and they just send me bills with no signatures with my name at the top. Please, investigate this complaint and have them to remove it record from my credit report. Thanks
|
| 04/08/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
EOS CAA told me that they were unable to send an email receipt or documentation because of a CFPB Massachusetts law. I looked it up and this was not correct. I am concerned about the company ( 2 of 4 representatives ) lying about the law in order to prevent me from receiving documentation on prior payments made to the company. Especially considering that I believe that I payed the new debt claim that they are stating that I owe. They specified that it was illegal for any collection agency to email me in any capacity.
Ironically in order to dispute the claim the wanted proof - the same proof they were unwilling to send me via email.
I am unable to protect myself and it seems to be predatory behavior to only provide proof that I paid via snail mail. They are purposely not allowing consumers the ability to protect themselves in case they need to provide proof of payment.
Hopefully you will be able to receive the recordings.
I spoke with XXXX - employee number XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX
|
| 10/23/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2018 I received a bill via gmail from XXXX XXXX for a bill from five years ago in the amount of {$1400.00}. I contacted XXXX via the above address and their representative directed me to XXXX XXXX XXXX XXXX out of XXXX.
XXXX confirmed that the account had been removed and I would have to contact EOS. I did and they are animate about me owing them {$1400.00}.
I requested that the amount be verified, they could not do that. I asked them to send me via email all of the information on my file, they said they could only mail it to me. Their files show an amount of $ XXXXish from five years ago, but could not tell me why the bill is {$1400.00}. I am asking that this issue be investigated.
Contact information for XXXX is XXXX you can speak with XXXX XXXX and XXXX XXXX XXXX XXXX or XXXX XXXX XXXX , XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Tel : XXXX XXXX XXXX and XXXX XXXX XXXX. People spoken to were XXXX and XXXX. I was told I would be speaking to XXXX but she was not available.
|
| 08/27/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Today I received a call from EOS-CCA, a collection agency regarding a student loan in my daughter 's name. I am not a party to this transaction. I filed a complaint regarding XXXX XXXX XXXX continued calls ( XXXX calls to me ) after I informed them I am not a party to the transaction and to stop calling me - see complaint # XXXX.
In XXXX response they stated the turned the transaction/collection back over to the bank, now I am getting calls from this company!
I told them the same thing, and asked them to stop calling me which they said they would.
My problem with these tactics is that the bank/lender is shopping this around to new collection agencies and we start anew each time and I get harassed over and over.
Should the bank be responsible to notify the collection firm that I am NOT the debtor and not to contact me. Likewise, is the bank responsible for my ongoing harassment as they are providing my contact information to these firms and I have NO relationship with this bank.
SincerelyXXXX XXXX
|
| 08/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Associate called multiple times in a row on the same day. X/XX/17 at XXXX XXXX, XXXX XXXX I called back and spoke to a gentleman at XXXX XXXX who refused to name himself and I had to ask 3 times for the company name before he would give it. He then demanded my SS # to which I denied and stated I would not do so without knowledge of what the call was about. Denied to offer. So I stated I wanted validation to which he grunted, really he grunted.
I told him he must per FDCPA, he grunted again and hung up.
I just received a letter demanding payment from EOS CCA post marked after the call date but the letter is dated 2 weeks before. I have tried to call the number back but it goes to a voice service now with no identification or message options.
I again demand full validation of the debt all negative information from EOS removed from my credit report, all calls to stop until validation is sent and 30 days pass. I also demand fines to be placed on EOS and the collector on the phone for FDCPA violations.
|
| 06/13/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The collection company EOS has failed to Validate debt said owed for client XXXX XXXX XXXX after several attempts sent to request proper validation. Attached you will find a letter from XXXX XXXX a representative from XXXX XXXX the balance is in the process of being reduced to XXXX dated on XXXX / XXXX / 15 . This balance has been fully paid for by The Department Of Education. I do not have any contract or agreement with EOS or XXXX XXXX XXXX . The collection company EOS will not stop pursing me for a debt not owed. I recently received a letter from your firm regarding an old debt from. Under the FDCPA, I have the right to request validation of the debt you say I owe you. Under the Fair Debt Collection Practices Act, I have the right to request that you cease communication with me, and I would like to exercise that right. Please stop all contact with me, except to let me know that this matter is now closed. Your immediate attention to this matter is appreciated
|
| 05/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
EOS CCA ( XXXX ) I have a a unverified account from. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt XXXX purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) 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 XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
|
| 10/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an account with XXXX XXXX XXXX back in XXXX that I had cancelled. I returned every piece of equipment they supplied us with to their local office. I received a bill in the mail claiming that I was being charged for a piece of equipment that they never even gave me. I called the local office several times and they always told me they were looking into it and would call me back but never did. I then received a collections letter showing they sent my account off for collections. Long story short, after them not correcting their error I had filed a complaint with the Better Business Bureau against them. I had asked that they correct their error and remove the charges and recall the collection account. They had responded that they were removing these charges but I still have a collection account from " EOS CCA ''. I have attempted to dispute this with the credit bureaus and them with no success. They are attempting to collect false charges and refuse to delete this from my credit report.
|
| 12/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
The collection agency had been repeatedly harassing other people in an effort to contact me, even after being told by those people that the collection agency had the wrong number. Apparently, the messages to other people referenced a " judgement '' against me.
In order to stop this harassment, I contacted the collection agency. The man I spoke to tried to portray himself as a neutral party and said he would be " advocating '' for both me and " the client. '' He then hinted that I had commited " theft of property '' amongst other crimes and that he wanted to offer me a chance to settle before he " sent it to the county. '' I interpreted this as a threat of criminal prosecution.
I asked the man to verify the name of his company. He stated XXXX, XXXX.
He then offered several payment options. When I requested that he send documentation of this payment offer, he refused. He then again implied I had commited crimes and would face action from " the county. '' The call ended shortly after.
|
| 03/28/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
The California Service Bureau contacted me XXXX XXXX, 2015 to advise me of an alleged unpaid bill for {$34.00} ( Creditor " XXXX XXXX XXXX XXXX Region '' ). I responded to their XXXX XXXX, 2015 inquiry immediately asking what the charge was for, and who authorized them to attempt the collection. I called CSB and got them to provide contact information and proof of authorization. I 've now received a XXXX letter from CSB, notifying me that I have been charged interest ( {$1.00} ), I contacted the healthcare provider 's office and was given contact information for their Billing Office. The doctor 's billing office was unable to find any unpaid or past due bills relative to my name or account. CSB has not responded to my request that they provide specific information to me concerning the path of this questionable charge. To date, they have not supplied me any proof of this bill, or any proof of their legal assignment to collect alleged monies from me on behalf of their medical client.
|
| 09/18/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Eos CCa purchased the debt from XXXX XXXX in the amount of XXXX when my account was charged off to XXXX XXXX. I sent Eos CCA the following documents 1099A 1096 intent to lien and notice of default opp to cure. my 1099a was recieved and accepted by the iRS on XX/XX/2021. I contacted Eos CCA about the account and told them to send me in writing the account was closed and i did not owe them any money. I contacted XXXX XXXX to verify that my account was charged -off with them and the EOS CCA owns the debt outright. I contacted them several times and they keep giving me the roun around for a full year.
I should have filed a complaint sooner but i wasn'nt sure were to go to file it i had to to my research. I also liened XXXX XXXX and Eos CCa for the amount plus interist they claimed that i owed them for Because I submitted a 1099A along with the documents i just mentioned.
Eos CCA closed my account and verbally said that i did not owe them any money.
i want a letter in writing.
|
| 03/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I spoke to XXXX FROM XXXX RELATIONS ABOUT MY XXXX ACCOUNT WHEN IT WAS STILL ACTIVE DUE TO FALSE CHARGES OF XXXX EQUIPEMENT THAT had not been returned according to XXXX XXXX AND I EMAILED BACK AND FORTH TRACKING NUMBERS OF DEVICES THAT WERE SENT BACK AND RECIEVED BY XXXX WERE EMAILED TO XXXX, SHE APPROVED AND APPLIED CREDITS AFTER SEVERAL EMAIL AND PHONE CALL ATTEMPTS OF MYSELF TRYING TO GET XXXX OF XXXX. XXXX FINALLY SENT AN EMAIL BACK ON XX/XX/XXXX STATING CREDITS WERE APPLIED AND I was AT A {$0.00} BLANCE AND WOULD RECIEVE MY FINAL STATEMENT FROM XXXX. IN XXXX I RECEIVE A FINAL BILL TO A FORWARDED ADDRESS CONFIRMING ADJUSTMENTS ... MONTHS LATER RECIEVED A COLLECTIONS NOTIFICATION STATING ACCOUNT WAS PAST DUE ( DUE TO CREDITS FALLING OFF ) CONTACTED XXXX AGAIN DISPUTED EVERYHING THEY AGRRED TO REMOVE ALSO COLLECTIONS AGENCY AT THAT TIME AGREED TO REMOVE SINCE INCCORECT AMOUNT WAS REPORTED AND NOT OWED DUE TO EMAIL VALIDATION AND TRACKING NUMBERS AND INVESTIGATION.
|
| 11/18/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2018 I contacted by certified mail XXXX and their hired collection agency EOS CCA and asked them to produce validation of said debt. They did not respond even though the certification was delivered on XX/XX/2018 and signed by a party from their company. They are stating that the debt owed is {$1500.00} in which i asked them to give a break down of equipment versus usage charges in which they refuse to disclose. All equipment was returned to their XXXX Site and they hand delivered and emailed that the equipment was received. I than asked for validation information pertaining to said charges that are " still due '' but they refuse to disclose and/or produce documentation. They have resold the account to XXXX XXXX who has also refused to disclose requested information about any updated information and their validation of this said debt of {$1500.00}. I have called XXXX on several occasions but to no avail they leave me on hold for hours without addressing any issues.
|
| 04/17/2023 |
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 |
|
|
On XX/XX/2023. I called to settle a debt with a company named EOS CCA. They bought a collection from XXXX and XXXX XXXX. I paid {$1300.00} and {$760.00}. I was told that they would remove the collection from my report since the debt had been paid off. I was provided documentation stating it was settled in full and paid. I disputed the items multiple times and every time the results came back it would say nothing was settled and the results haven't changed. I have reached out to EOS CCA and informed them on this and they said it should've been settled since I paid them. Given the nature I also had another company reach out to me saying that they owned the debt that I had already paid EOS CCA. I had to send them documentation proving the debt was settled. I need to know why it keeps coming back as nothing has changed and that I still have this debt if it has been paid and there is documentation proving the settled debt. It is absolutely tiring that this continues to happen.
|
| 05/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification.
EOS CCA / XXXX XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report.
I've been asking for verification for 6 months.
They replied twice. OnXX/XX/XXXX the letter stated " based on the information in our records this letter serves as verification. '' The second letter which came days later was a settlement offer {$560.00} from {$800.00} plus all three credit bureaus are come back verify without any documentations besides there company letter stating verified.
Please help me.
|
| 06/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi, on XX/XX/2019 the main 3 credit bureaus received via certified mail my request asking for proof of this account a collection company has placed on my credit file, The credit bureaus have responded to me that this creditor EOS CCA has verified my information with them and that the account is accurate. EOS CCA sent me on XX/XX/19 a letter with my name and address saying the original creditor is XXXX XXXX XXXX with a due bill of XXXX. I sent them a letter on XX/XX/2019 that they received via certified mail asking them to send me proof that I have opened this account with them, I told them this account is not mines, I have never in my life opened any account with XXXX XXXX. This does not belong to me. They have not responded to me and continue to report this collection account to the credit bureaus inhibiting my ability to obtain credit, mortgage etc. I would like this account deleted please from all credit bureaus. I have NEVER opened any account with XXXX XXXX.
|
| 07/26/2017 |
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 |
|
|
To Whom It May Concern, I have a collection account on my XXXX credit bureau file from the company, EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX, account number listed as XXXX. Please be advised that I am disputing this information due to the fact that EOS CCA does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX, DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.
|
| 11/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have a unverified account from EOS CCA # XXXX. I had previously disputed this account. I have never done business with EOS CCA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that EOS CCA Provide verification of the following : 1. ) 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 EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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| 08/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American, Servicemember |
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A debt collector, EOS CCA, has been attempting to collect a payment for a XXXX account that is not ours. I have repeatedly written to them requesting the information on the debt as per the Fair Credit Reporting Act. I have never received a response from them, and they continue to send letters/call about the debt. They sent the first request on XX/XX/XXXX for a XXXX account from XXXX in the amount of {$200.00}, which I responded to with a letter which they never responded to. Their second billing came on XX/XX/XXXX, which I again responded to with a letter. Their third request came on XX/XX/XXXX, which I again responded to with a letter. All correspondence is attached. We have also been getting 2-3 phone calls/day on our home phone number from a debt collector which I have not been answering.
We had a XXXX account for this service that was disconnected in XXXX when we sold the house. All bills, including the final bill, was paid in full at that time.
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| 01/21/2021 |
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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Thank you for your assistance XXXX XXXX XXXX was my medical provider. I have experienced numerous costly medical errors at XXXX in XXXX, XXXX, XXXX. The total cost of lost wages is over {$850000.00}, healing from their errors have also been very experienced.
I have no money left.
In XXXX, I had several XXXX bills totaling around {$480.00}. I was paying {$15.00} a month as that is all I could afford because of their errors. I was also paying several other healthcare facilities including a non-XXXX XXXX doctor, and a non-XXXX and XXXX which totaled around {$5000.00} which was 100 % preventable with a {$50.00} test XXXX did not do.
XXXX has been receiving {$35.00} a month for at least a year.
XXXX they sent me to collections, EOS. EOS contacted via letter twice in wish I told them I was paying XXXX monthly payment.
I have not heard from them after two contacts in XXXX.
They now ruined my credit by submitting 4 collection cases to XXXX.
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| 12/28/2021 |
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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EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ; Ph : XXXX ) sent me a letter on XX/XX/XXXX stating that I owe {$49.00} to XXXX, and they are a debt collector company acting on behalf of XXXX. I called and spoke to their customer service agent XXXX XXXX on XXXX XXXX at XXXX XXXX EST. The details mention that I opened XXXX internet and cable connection in my name and social, and I owed {$49.00} since XX/XX/XXXX. The address on file was not known to me, when the XXXX connection was originally initiated, and it is in a different state ( XXXX, NY ). Honestly, I never opened an account with XXXX and this company demanded I file identity theft police report, and hand it over to them to dispute the charges. I do not understand how this company operate, and so I would like to start an investigation in this matter since my SSN in now compromised per letter from EOS CCA. I would be willing to submit any documents or proof that will help with this investigation.
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| 04/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American, Servicemember |
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In the past I was a customer of XXXX ( XXXX ). I sent all the equipment back on XX/XX/XXXX. I have a XXXX proof of delivery on XX/XX/XXXX at XXXXXXXX XXXX. Tracking # XXXX. I had no contact with them since the equipment was sent back, until now. I got a letter from a collection agency saying I own {$220.00}, as of XX/XX/XXXX. I was never contacted about any past bills, we were all paid up. They have me down with an account # XXXX. That is not my phone # and never was. I have called them several times about this issue and get disconnected, or we don't go back that far. On XX/XX/XXXX I talked to billing XXXX, Talked to XXXX got disconnected, XXXX got disconnected, XXXX got disconnected, than finally talked to XXXX, who told me the equipment was returned with no balance, and was supposed to send me a no balance letter and never did. I'm getting nowhere with this situation. All they give me is the runaround. EOS CCA is the debt collector ( XXXX ).
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| 10/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
The reason that I selected " didn't try to correct this with the company '' is because the company, EOS CCA " parked '' a collection account on my report with XXXX. They have not made any attempts to contact me and I have no idea what the collection account is in regard to. Today, I sent, by certified mail, a letter asking for validation of the debt. I am a XXXX XXXX and will be moving back to the USA within 2 months and now I have this on my credit report. It is against the FDCPA, section 809 ( a ) for them to do this.
A quick search via XXXX shows that this company frequently does this. I would like the CFPB to investigate them for their practices.
Again, I am not necessarily disputing the debt, as I don't know what it actually is for. I'm filing the complaint regarding their tactics of " parking '' on my credit report, which has been found by the FTC to be sufficient for " contact '', and their failure to validate upon initial contact.
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| 01/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/XXXX I received a notification from the credit report of an old debt that was created under my name using all my information I have no idea about. The collection was added to my credit report between XX/XX/XXXX, and XX/XX/XXXX, as a new account in collections. The collection agency is EOS CCA. The original creditor was XXXX XXXX.
I've contacted EOS CCA agency to share more details regarding this debt that I do not owe. I found out this debt was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. I've never received any documents, bills, calls, or anything in relation to this debt.
I do have XXXX wireless which is a brand new account, I've only been with them for just XXXX months and it is an active account. I've never signed up with XXXX XXXX which is very odd. The family home that we live in, the entire home has XXXX. We have a total of XXXX members in the family and they all confirm that no one ever has a XXXX XXXX on XX/XX/XXXX.
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| 07/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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EOS CCA bought a collections debt from an unpaid XXXX account totaling {$2500.00}. As I am repairing my credit to prepare for a mortgage, I decide to call them to settle the account. I speak to a representative who was very rude, and asked to be transferred to his manager, with whom I came to a settlement agreement with totatling {$1200.00}. Per the manager, the settlement amount would stop all collection efforts and have the account settled in full, allowing a possible deletion of the debt. The stated that they have no way of removing the debt themselves, so I thought, it would be a win-win for the both of us.
They received the payment by drafting from my account, which I did authorize in good faith that they would honor their promise and update my credit report. They did update it but simply applied the {$1200.00} to the original amount I owed, thus leaving the EOS CCA entry with a remaining balance which was supposed to be zeroed out.
|
| 02/06/2017 |
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 started by writing a letter approximately a year ago, letting them know the debt was being reported incorrectly. Since that time, without getting any response, I disputed the charge with XXXX credit reporting agency ( it was " verified '' which was a lie ) and hen a few months later, another CRA ( also " verified '' ). I have not followed through in getting it corrected as vigorously as I should by filing a complaint or suing because I 've been XXXX but I have done more than I 'm required to do and still they call and send letters improperly trying to collect the debt. This morning, when they called and I told him I do not owe the debt and that I am a current XXXX customer, they nastily insisted I prove it when all they have to do is call XXXX to check! And said I never wrote to them to dispute it but I did and I possess the receipt to prove it. My next step will be suing in state court if this report does not bring about a correction.
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| 04/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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EOS CCA have called my number XXXX XXXX XXXX several times which is my only contact phone number, usually call from a local number probably to try and get me to answer but I don't answer any number I don't know. Called back a couple times and the lady just said hello and nothing else stating the company, I think one time she said my name right after answering. I looked up number to find complaints from people to find out who the number belonged too. I did get an automated voice recording one time I called back that said EOS CCA. If they are calling for me which I assume they are or my mother XXXX who lives me then I have no idea why because nothing has came in the mail from them stating any debt owed and that it was with them. Nothing. No one is going to pay on a debt or even talk to someone about a debt that they have no idea what it is or have not received notice in the mail. Tried to send message from their website but it won't send.
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I had an issue with XXXX landline service. There were multiple outages over the period used their service. They would not issue me any credit for the time I had no service. After I close the account they sent any remaining balance to collections. That ended up on my credit report.
I made a payment on XX/XX/XXXX to the collection agency XXXX used ( XXXX or EOS ), as that's the most expeditious way of addressing the issue right now.
The credit agency reported back to XXXX that the account was paid in full. However, they're making it very difficult to get any sort of confirmation. EOS keeps telling me it takes three to four business days to send an email. I followed up with them multiple times over the last few days and they just keep on pushing the email date further.
I reached out to XXXX, they tell me the account is closed on their end.
EOS and XXXX both tell me the other one is responsible for updating the credit bureaus.
|
| 05/08/2017 |
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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**This is no t a Duplicate Complaint. Fo llow up from Complaint # XXXX ** There is no need place an " Cease to communic ate '' on this account your claiming is mine, but a Cease reporting a frivolous collection towards my name. The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX . The business is required to disclose to me all of the documents that they have recorded an d retained in their files that pertains to this " debt ''. If EOS CCA d oes not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pa y ) they need to retract this from my credit file immediately.
|
| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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XXXX XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} EOS CCA XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
|
| 10/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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This original creditor was XXXX and it was fraudulent in the amount of {$920.00} .I 've made several attempts to resolve this issue by providing them information that I was not living in the dwelling when this account was being used. The account kept coming back on my report after I would dispute it. I became so frustrated that I hired a law firm to help me with this fraudulent account last year XXXX. To my delight the account seemed to be finally removed from all credit bureaus. On XX/XX/XXXX I received an alert that a collection agency ( EOS CCA ) must have purchased this file and it has again erroneously affected my credit in a negative capacity. I left this account alone for a year or so because every time I would dispute it, it would pop back on my report and drop my score 30 to 40 points as I continued to rebuild my credit, now it pops up like a new account. This should be illegal for anyone to be able to do this!
|
| 09/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX - Phone # XXXX is reaching out to my wife, family and myself on a debt I do n't owe and never even heard of owning. This is the first time I heard of owing any money to this company or the original company they are trying to collect this alleged debt for. They are a third party company trying to collect a debt for an original company that I never owed money to. The company they claim I owe this money too is XXXX XXXX XXXX. The debt they say I owe is supposedly from an address I lived in over 7 years ago. This company will not stop calling my family on their cell phones, myself and any number that I am associated with. I am going to take legal steps into suing them for every time they called me starting from when they called my wife. I thought filing this complaint would be a better route to go as I do n't want any money, I just want them to leave myself and family alone as they are harassing us.
|
| 06/27/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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EOS is suggesting I owe student debt. The debt is from a private loan from XXXX XXXX. This loan dates back to XXXX. I have not been a student in college since XXXX. When I attended college, it was a XXXX XXXX and I paid out of pocket. I explained to the customer service representative that these XXXX accounts are fraud and I was a victim of identity theft as early as XXXX. Under the FCRA & Statute of Limitations, these fraudulent accounts should have been removed from record years ago. Instead, EOS bought the fraudulent accounts and are harassing me in an effort to collect on bogus accounts. In explaining the situation to the customer service representative, I was clear that my police reports and FTC reports would be strong enough to show how my ID was stolen and personal information compromised. EOS is wrong on so many levels with this matter. I will be speaking to a lawyer to have them outline my rights and recourse.
|
| 01/26/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Loan amount : {$30000.00}. Account opened by EOS CCA in XX/XX/XXXX. This loan account was from a private student loan, joint account. This specific account was in deferment and was incorrectly sold to EOS CCA. The other person listed on this joint account bears responsibility for 50 % of entirety of the student loans as decreed by a Judge, and as of XX/XX/XXXX, All of my student loans have been discharged due to my permanent and total XXXX. I have emailed these supporting documents to EOS CCA as evidence and they have not responded to this date. It's been 4 months since I've sent the documents. Still am waiting for a response.
EOS CCA purchased an account, that should never have been sold as it was in interest only deferment ( I was still within 6 months of graduation when this loan was bought by EOS CCA ). The other student loans that were accrued before and after this debt was sold have all been discharged.
|
| 12/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I had cable TV through XXXX XXXX. That entailed putting a deposit ( about {$500.00} ) for their cable boxes. I returned the boxes. I called XXXX XXXX directly and confirmed I don't owe them any money.
However, a first collection agency ( I don't remember the name ) got the job of collecting the debt for the cable boxes and sent several collection letters. To every letter I replied, in writing, that I dispute the bill ; I don't owe XXXX XXXX any money ; and to stop sending me letters. At least one letter came with supporting documentation of at least a year old bill. I sent back the same thing, and told them to get a CURRENT bill. I stopped hearing from them.
Today I got another letter from a different collection agency ( EOS CCA ; Collection Inc. ) offering to take about half of the debt I don't owe. I replied the same way and told them to get a CURRENT bill.
I'm sick of this and want to file a complaint.
|
| 05/23/2019 |
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 |
|
|
This company claims that I have a balance of {$260.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to them asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a bill with the amount that they claim that I owe to them. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On the bill it shows XXXX XXXX as the original creditor but I never had an account or a contract with them.
|
| 07/21/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had two accounts that were with XXXX. I disputed them both. XXXX removed one of the accounts from my credit and sold the other to an agency. I paid that account off and they removed it from my credit. A few months later the other account was sold to another agency and put back on my credit. I called to get the account resolved. They said that it would not be listed as a collection account if I paid it. They said it would show settled in full with a XXXX balance. The account has been updated to paid but remains in collections. I was told that it would be fixed, then I was told it will not be corrected, and then I was sent to a manager voicemail that has not called me back. The company lied to me and hung up a few times. They apologized but the account has not been fixed. Now I am requesting that the account be removed from my credit since it has been paid and the company lied as a way to get me to pay it off.
|
| 03/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid/settled one of my collections on my credit report. I spoke with EOS and they said it would update with the XXXX. My XXXX has updated paid in the comments but still shows it as a active account on my credit report and not a closed one. I called EOS and explained that they updated I paid it but it still doesnt show a XXXX balance with XXXX and is showing it still is a open account with them. I was told XXXX will update. I spoke with XXXX and disputed with them that it should show on my report as a closed account. They filed a dispute with EOS and I was told by XXXX that EOS states it validated and therefore they can not list it as a closed account. So my score is benign effect because it thinks I still have a open/active collection account. When I look at my XXXX account I see EOS but on that report it shows it was closed out as paid. I dont know how to get EOS or XXXX to update my report with XXXX?
|
| 03/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
I discontinued services with XXXX and switched to XXXX. I was given a final balance and paid the amount in full. The next month I received a bill for {$26.00}. XXXX indicated that they were unable to remove the charge because the internet portion of my account was still active. They acknowledged their mistake, but insisted I still owed the {$26.00}. In XXXX 2016, I received a collections letter from the " XXXX XXXX XXXX ''. I responded with a written dispute on XXXX/XXXX/16. I have now received another collections notice dated XXXX/XXXX/16 from " EOS CCA '' for the same disputed debt. I was called by them and later called back to let them know that the debt was already disputed in my XXXX/XXXX/16 letter. They indicated that the debt was not placed with them until XXXX. I believe that XXXX is trying to use multiple agencies in an attempt to circumvent my rights under the Fair Debt Collections Practices Act.
|
| 02/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In fall of XXXX, I cancelled my home internet, cable and phone with XXXX to take an offer another company. I paid my bill and XXXX sent a box to return the equipment. That box never arrived, so I called and asked for another box. I returned the equipment ( modem ) in that box and that was that.
Starting in XXXX, various collection agencies attach a $ XXXX collection to my credit report. Calls to XXXX are completely unhelpful - after hours, I finally found out that they are stating that I never returned the modem and that is the charge with the collection agencies. The collection agencies won't remove it and XXXX won't remove it as it has " gone to collections '', but it is not payment that I owe, so I refuse to pay any amount.
Just recently, another collection agency posted to my credit report that this was a new debt from XX/XX/XXXX, so I don't even have the option of it aging out of the system ever.
|
| 11/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I reached out to EOS CCA after receiving a settlement letter claiming if I made arrangements to pay my debt in full they would remove the collection from all three of the credit bureaus. My initial conversation was in XX/XX/2022. Monthly payments were then made XXXX to XX/XX/2022. I sent a letter after 45 days requesting the collection be removed from the bureaus and nothing has been done. I requested that they listen to the taped recordings where I was told this would happen. I was told they would and to call XXXX in a few days where a supervisor would assist. I have been in a customer service and supervisor loop ever since. Collection agencies can't make promises to customers and then not adhere to them. If I hadn't kept my word and made all payments there would be some legal recourse. These rules should be the same for them. All I want is for them to remove it from my credit reports immediately.
|
| 04/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me instead of my attorney
|
|
Web |
|
|
Today XX/XX/2015, I received a phone call from XXXX claiming they are debt collector. I think it is a some sort of solicitation, because far as I know, I do n't have anything go into debt collection. I informed the guy immediately, I have an attorney, but he continue to pressure me to ask, if I am filing bankruptcy, even after I repeated about XXXX times that I have an attorney, please contact the attorney directly. He was very forceful, and he claimed ignorance when I informed him that it is illegal to ask me questions when I already inform him that I am represented by an attorney. I asked for his information, I am not sure if he gave accurate information because he was very evasive. He claimed his number is XXXX, name is XXXX ( though he quickly said another name ) with operator number XXXX, company XXXX or something. I gave him my attorney information and hanged up, but I think it was a scam.
|
| 08/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
XXXX XXXX - Representative asked for my by my former name. I asked " Are you a debt collector '' she kept telling me she could n't say until I verified the account which is in violation of FDCPA 807 False or misleading representations - ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. The debt in question is currently in dispute with the company who sent it over to this collection agency and I 've advised them of this before.
|
| 11/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I man receiving repeated calls from EOS-CCA. Every single day, multiple times a day. They do not leave voicemails and when I do answer I am threatened with legal action for a debt I dont even know about ... and they will NOT tell me about unless I divulge all of my personal information. I received a call again today ( 2nd one today ) and I didnt answer the phone in time. I called the number back ( XXXX ) and simply said remove me from your calling list! ) the woman proceeded to ask if I was XXXX, I said yes stop calling me. She said we are in the process of beginning legal Action against you for a debt. Can I ask you about your personal information? I answered No! Thats not your business. And I hung up. I do not even know what this supposed debt is over!! Their tactics are ridiculous, threatening, and I can only imagine how elderly people must feel getting calls from these crass people too.
|
| 03/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
EOS CCA had me in collections for a debt that was paid to XXXX XXXX XXXX They were trying to collect ~ {$180.00} in total and ruined my otherwise excellent credit for over a year. I was declined on several credit card applications where my credit should have been excellent.
It took many phone calls to get this corrected and I had to speak with numerous people with bad attitudes who were unhelpful. I was able to get them to reduce the amount but had to persist with more phone calls and follow-ups to get it fully cleared. Even after they said they would fix it, it wasn't fixed and I had to call back again and press them to send the " AUD confirmations '' were never sent when they said they would send them. They admitted to the mistake at the end of the day and after MUCH persistence on my part. These are very bad people. It takes a special kind of person to work at a collection agency.
|
| 08/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Recently I checked my credit report due to interest in a new vehicle and seen a couple of accounts with errors. Mainly it seems as though these credit collectors are reporting that the account was just opened a month ago or few months ago when in fact these accounts are over 7 years old and should of been removed from my credit report. I requested that they update the info with accurate dates and they refused. These accounts are so old I don't even have a clue of when they were opened. I've tried disputing with credit bureaus but nothing happens. If in fact I did open any of these accounts please have them show you proof. An order form, an jnstall date, or how about an address? I have been living in hotels and traveling state to state for close to 3 years now. So when did I start cable? Or electric? Thank you consumer finance for your assistance in this matter and the work that you do.
|
| 04/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!
ACCOUNT NAME : EOS CCA, ACCOUNT # : XXXX, DATE : XX/XX/2017, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.
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| 02/19/2020 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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|
Web |
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ESO Corporation, is in violation of 15 U.S.C 1692-1692p. On 2020 XX/XX/XXXX I XXXX XXXX do swear that I received a phone call at work from a Representative of ESO Corporation, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692 ( d ).
The individual calling did not want to provide information to me that would help me to understand the propose of her call. I was unable to talk at the time of the initial call, so i called back and spoke with a several members of the staff.
I verified with them my name, and the number in which i was calling from. Each person i spoke too was unable to provide the purpose of there call unless i provided them with additional personal information. Each person i spoke with was both abusive and oppressive with me on the call in violation of 15 U.S.C.1692 ( d ) ( 2 ).
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| 08/08/2018 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I'm writing this post again in tears dealing with this company. I checked my credit last year and found this account - since then my credit score has gone down 30 points. The bill is for a hospital visit - the hospital entered my social security number instead of my husband 's. This should be a quick fix right - wrong - In XXXX, my insurance company and myself did a three way conference call with EOS CCA - they explained to them how to correct this and have the bill paid. I was told it should take 3 to 4 weeks to clear. It's XXXX and know no one has a record of my insurance calling. I wrote their corporate office in XXXX, no response - can't get anyone from corporate on the phone. The phone call today last 5 minutes with - do you plan on paying this bill today - if not - I'm ending the call - I said no and she hung up ... ... .I 'm now considering taking them to court ... ... ..
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| 03/14/2017 |
Yes |
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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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We had not received notice from XXXX Hospital for this overdue bill, therefore, were unaware of this bill. It was then referred to collections without our awareness. We usually receive XXXX bills notices and I keep them for tax purposes. We recieved the first collection notice in XX/XX/XXXX in which I paid for on XX/XX/2016 at XXXX Hospital in person. The collections agency also kept calling afterwards our payment was made. We informed the agency that we had paid and they needed to contact XXXX Hospital as we had paid it their and the accounting clerk assured me they would inform the agency. I believe XXXX Hospital and the agency are not reporting properly and the Hospital did not correctly notify me of this bill. I refute this claim as tardy to do my unawareness. I always ensure I pay my medical bills within a reasonable amount of time and do not intentionally neglect my bills.
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| 10/01/2019 |
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 |
Older American |
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According to the credit report this was opened in XXXX XXXX. My son and I went to the XXXX XXXX store because they had a promo at the time. It was a buy one get one free phone and a {$300.00} gift card. We chose our phones and went home. My son 's phone was defective so he returned it.The replacement phone came in the mail but it was also defective and it took them a while to send it to him. The gift card was not issued even after a couple of billing cycles passed.
At this time, I decided to just return both phones to the store and not pay the bill. EOS CCA, claims that I should pay {$1200.00} as of XXXX, XXXX. The last time I told the collection agent that I will not pay that amount since we returned the phones and I never received the gift card as was promised.
I would like help in resolving this matter because I consider it false advertising for defective products.It is
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| 02/20/2020 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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|
Web |
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EOS XXXX, is in violation of 15 U.S.C 1692-1692p. On 2020 XX/XX/XXXX, I XXXX XXXX do swear that I received a phone call at work from a Representative of ESO XXXX, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692 ( d ). The individual calling did not want to provide information to me that would help me to understand the propose of her call. I was unable to talk at the time of the initial call, so i called back and spoke with a several members of the staff. I verified with them my name, and the number in which i was calling from. Each person i spoke too was unable to provide the purpose of their call unless i provided them with additional personal information. Each person i spoke with was both abusive and oppressive with me on the call in violation of 15 U.S.C.1692 ( d ) ( 2 ).
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| 01/29/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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So a few years ago, I had XXXX XXXX and I cancelled my account using the my XXXX XXXX. Under the Servicemembers relief act. I handed the representative at XXXX a hard copy of my orders and he said dont worry it will be taken care of so I said thank you have a nice day and did my 12 month XXXX. So now I look on my credit report and it states I owe XXXX {$640.00} when the account was canceled I did not lease a phone, I did not have a outstanding balance. The company EOS CCA to which is collecting this unjust debt. Is refusing to acknowledge my orders and the service members relief act. I showed them my orders and even provided them proof that Im still serving in the United States XXXX. They are rude and refuse take the account off my credit. Ive disputed it and exhausted every other option. Please help me. I have the provided documents that will hopefully help
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| 10/06/2021 |
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 received an alert yesterday on XX/XX/21 fron XXXX that there is a collection account flagged in my account. As collection account was viciously added to my account when I am not aware who is party is nor have any uncollected debt with XXXX.
I have a XXXX account and it is current as of this month. I therefore do not understand why the debt collector would attribute this collection account to me.
Debt collection practice is ruthless with no regards to understanding how they can ruin someones credit and adding this collection to my credit has already caused damages.
The collection agency has to provide proof of the debt owed to XXXX ; otherwise this debt collection should immediately be removed from my account.
I am attaching proof that I am a XXXX customer with a current account. Therefore this so called XXXX debt is either fraudulent or erroneous.
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| 02/06/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I have no idea what this company is doing on my credit reports. I have never heard of them or from them and I only get insane amounts of calls demanding money. I have never left a debt unpaid and I dispute this 10000 %! I want these people to stop scamming me for money that is already covered by write-offs and taxes. They are illegally recollecting on top of money already written off and adding astronomical fees and interest not legal for them to do in my state!
fdcpa laws were violated when i initially disputed this without any results or notice and they never ceases and desisted when i asked them to. I am frustrated and XXXX as to what they want and why they are harassing my family! I will give them 30 days to get their illegal collections off of my credit reports or I am taking this proof to small claims and suing them for FDCPA violations in my state!
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| 05/29/2019 |
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 |
Servicemember |
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I attended an outpatient program called XXXX.Most XXXX hospitals don't charge you for money they can't collect from medicare.I 'm being billed because medicare wouldn't pay the full {$9200.00} this hospital billed them.I 'm on the hook for {$580.00} an amount medical wouldn't pay because I wasn't entitled to medical.This debt was incurred on XX/XX/XXXX2014.I was not told in advance I might owe a co-payment or be liable for any amount my insurance wouldn't cover.If I had been told in advance I might owe these people money I would not have attended their program.I also took steps to fill out paperwork indicating hardship originally in 2014.I was discharged from the outpatient program in 2014 over this.This isn't fair I had been convinced by the director of the program I wasn't going to have any liability because of the hardship paperwork that was submitted.
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| 05/10/2021 |
Yes |
- Debt collection
- Other 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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The company is EOS CCA XXXX XXXX XXXX XXXX, MA XXXX. I called them on XX/XX/2021 to better understand why they think I owe a debt that is over six years old that I can not verify is mine. The agent that I spoke to had several dates of service and was unsure which one was correct. She also suggested I just pay it off even though I am not sure it is mine legally. I did sent a dated letter asking them to verify the debt is mine and send over documentation from the original creditor so that I may better understand where this debt originated. Until I spoke to them today, they were calling upwards of 3x a day from spoofed phone numbers and I have yet to receive anything from them via USPS. I recently made a payment on this alleged debt but am hesitant to do so again until they verify that the debt is mine and I receive the documentation I am asking for.
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| 11/11/2020 |
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 was billed by XXXX XXXX XXXX in XXXX New York for a total of {$82.00} for services dated XX/XX/2019 ( pathology related ) that I never received. I called the hospital multiple times for either proof of service ( medical record/lab results ) or dismissal of the charges. But the hospital did neither and eventually reported this fraudulent charge as debt to EOS CCA. When EOS CCA sent me a letter requesting payment earlier this year for the first time, I send EOS CCA a letter to explain the issue and told them it is not a legitimate debt. I also suggested EOS CCA to investigate the charge and notified EOS CCA my change of address in the same letter. However, EOS CCA is now sending me the bill to my new address without explaining to me whether they conducted any investigation into the legitimacy of the charge or the results of any such investigation.
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| 11/16/2022 |
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 |
Older American |
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My name is XXXX XXXX I tried to explain to them that XXXX I was a victim of identity theft due XXXX data breach and had no knowledge of this account. They continued to report it even after repeated attempts to resolve the matter. As per the Fair debt reporting act, they are not allowed to report stolen or incorrect information that can potentially harm my credit.
According to 15 U.S. Code 1681b They do not have a Permissible purpose to continue to report unverified information that compromises my identity by reporting inaccurate information on my credit consumer profile. I have reached out to them as well as, send them letters and they continue to ignore my attempts to Block the information.
XXXX continues to violate the law. The law clearly states that. I went ahead and file a complaint with FTC as well. The Attorney General and XXXX.
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| 04/04/2022 |
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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The Company EOS/CCA called on XX/XX/2022 about a Ultities bill four years ago for {$1300.00} and I never received anything in the mail. I Specifically ask the Rep to send me documentation like signed contract or other information to verify the debt as I am a Victim of Identity theft and I do not know of such account. Instead of sending me the requested information require by law when a consumer request it.The company put the collection on my credit report without providing the information needed to verify the debt. As a victim of repeating identity theft situation with on that occurred last year. I should not have to continue to dispute information that is not mines on my credit report. Below is the Company information. They have violated my rights. This needs to be off of my credit report.
EOS/CCA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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| 08/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I received debt collection from EOS CCA regarding a XXXX XXXX I already paid back to XX/XX/2016. The debt EOS CCA collected is {$450.00} with statement date of XXXX.
I faxed EOS CCA dispute department at XXXX on XXXX providing with the bank statement showing the payment {$340.00} being made. My dispute was refused when I call the dispute department on XXXX because the amount what I paid {$340.00} is different from what they asked for. The dispute department said that what I paid is for the different account they asked for. However, during that time, I only have XXXX XXXX account.
In XXXX, I did email to XXXX with the proof of payment to dispute the charge with the following information. Unfortunately, I did not get any response.
In the attached file, please review my original email dispute with bank statement to validate my payment.
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| 08/16/2020 |
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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Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act.
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
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| 04/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Indicated shouldn't respond to lawsuit
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|
Web |
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I received my credit report yesterday and found XXXX debts that I owe the XXXX I made payment arrangements with because I do owe it..The other XXXX there are issues they have changed dates and it will not be off my credit until XXXX ... The last payment was made XXXX/XXXX/XXXX. According to their dates it was placed for collection XXXX/XXXX/XXXX ... The company is XXXX I am trying to get my credit score up I am XXXX XXXX and do n't need these people ruining my chance to rent or buy a home ... What can I do..They tell me the service was in XXXX but the billing address was my EX-mother in laws in XXXX ... I assume this was my ex husbands doing as I had not a clue this was in my name..My ex husband is on the run from the law in XXXX so I ca n't really ask him ... .I live In XXXX now and do not know what to do with this ... .Please help
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| 03/01/2023 |
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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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 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.
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| 02/20/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
|
Original creditor ( XXXX ) billed the wrong insurance policy with no notice/contact to me however the hospital billed the correct insurance and was paid. I 've provided the collection agency with the correct insurance and had XXXX contact them as well, but the original creditor refused to resubmit bill to insurance for billing. Per XXXX they have to get resubmission from the original creditor. Collection agency told me they would remove this from my credit due to it being no fault of mine but it is still there. I was told by XXXX people at EOS CCA this was being filed for resubmission to the insurance, after speaking with XXXX, I was told they never received it. EOS CCA stated they are not allow to resubmit but file it with the original creditor who is REFUSING to resubmit or take any action to resolve this claim in over a year.
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| 11/20/2021 |
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 disputed an erroneous collection from XXXX ( account # XXXX ) in the amount of {$130.00}. XXXX was the creditor on my credit report. I sent everything to them and the three credit bureaus through certified mail. After numerous communications they were unable to locate the account and agreed to delete it from my report. It was deleted as agreed. On XX/XX/XXXX this debt was improperly re-inserted onto my credit report by a third-party collection agency, EOS CCA under an account number of XXXX on behalf of XXXX. I received no communications from EOS CCA. I filed an online dispute requesting additional information and only got a response of verified. This was previously resolved and removed and now EOS CCA cant provide any documentation it is still owed nor will the remove it after it being improperly re-inserted.
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| 01/26/2021 |
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 |
Servicemember |
|
I have previously owed XXXX XXXX as a result of switching to a different carrier, My account was sold to EOS CCA in the amount of {$240.00} and it was opened on XX/XX/XXXX and currently verified to them on the phone as of today XX/XX/XXXX. On the other hand, another agency XXXX XXXX XXXX opened an account on XX/XX/XXXX stating I owed XXXX XXXX {$360.00} which is {$120.00} more than EOS CCA which took first ownership of the collections account to begin with. I believe that I have no knowledge of XXXX XXXX XXXX made an attempt to collect the same payment type but adding more than the previous collection agency. hopefully this is not a result of Identity theft. It does not make sense to pay two ( 2 ) collection agency under one account. In the event it was found to be fraudulent, I am pursuing legal action against XXXX XXXX XXXX
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| 03/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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On XX/XX/2018, EOS CCA add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
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| 02/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Debt from XX/XX/XXXX-XX/XX/XXXX Back then I wasn't to aware of how credit worked, nor did I receive counsel. Not only that but the information given on my report is incorrect and it took many attempts to reach these people to have them update the information. Even now when an account was charged off and XXXX XXXX these 3rd party companies still are on my report trying to get money from me. I asked for original signed Contract documents and they send me bills instead. Then tell the credit companies everything is accurate when it is not. I'm asking to at least pardon these charges and wipe them off my report so I have a chance to start a new. The companies are XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX which I actually found out wasn't suppose to offer me a credit card in the first place due to my living in XXXX XXXX XXXX.
|
| 06/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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Several calls and voice messages were left at my residence attempting to collect debt that I do not have knowledge. I have informed them that the debtor was a different person having similar name to myself and my spouse. I have validated my address and date of birth, and yet the collection agency continue to leave voice messages which are disturbing and offensive, considering to the playback heard by my family. They confirmed that it was a different person, however, the calls did not stop. I requested for a written correspondence from the collection agency that they were attempting to collect a debt from a different person bearing my name. However, they declined to grant my request.
I am bothered that this is a case of mistaken identity and my personally identifiable information has been compromised or sold elsewhere.
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| 05/02/2022 |
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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The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports.
The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
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| 11/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
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We are two XXXX persons and have the time moved in with our son. We do not nor have we ever had XXXX XXXX. When we moved two different location we began to get the same bill however it is not his debt, I have written over and over and over again to XXXX XXXX to get them to proof up this debt and address Etc with no response that was at two different addresses now we have moved into our final home after losing our home to XXXX drywall and we get this letter, I know that our son does have a outstanding account with XXXX XXXX for XXXX and {$99.00} apparently he admits to. I need some assistance in getting this straightened out, Social Security numbers signatures document stating that my XXXX husband owes this amount. A copy of the original debt and original application for quote XXXX XXXX with signature and correct name
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| 05/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
DEAR EOS CCA According to the Fair Credit Reporting Act, 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 accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have tried to contact the creditor of my XXXX XXXX medical account in collection. First the company said that they do not have an open account matching my name. I submitted a dispute via XXXX XXXX but after 4 months of waiting, my request was denied. I recently got in contact with the debt collection company again and they found a closed account not under my name, but under my social security number. Now Ive been unable to dispute the account or even attempt to reach a payment agreement because the account was closed and needs to be reopened, but only by a manager. I have had XXXX health insurance since 2014, which covers any medical service so I should not have had any medical balances at all. Im trying to apply for housing and this one collection on my credit report is preventing me from finding a place to live.
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| 10/24/2022 |
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 |
|
EOS CCA According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EOS CCA they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a XXXX XXXX unfortunately they have not done so. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.
I demanded to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) if they have it on file for the alleged account. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, they must remove the accounts and stop reporting them immediately.
|
| 01/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
EOS CCA contacted me via phone towards the end of XXXX 2016 claiming to have a debt from XXXX XXXX. They asked for my full social security number, which I refused them. They asked for the rest of my information, and after I asked them what they had on record discovered that all of their information was false.
Nonetheless, I asked them to validate the debt and I gave them my mailing address to continue to correspond. They sent a letter XXXX 2016 that did not contain any validation, only a request for payment. I responded to this with a Request for Validation letter sent via certified mail, return receipt.
This letter was not responded to. I contacted XXXX to verify the debt, and they had no information about it.
Less than 30 days later I discover a claim on my Credit Report, and my credit score was damaged.
|
| 02/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This Medical bill was put onto my credit report. This collection company has a terrible rating with the XXXX and has fraudulently reported this on my credit report. Let 's be clear, I have no idea if this bill is mine or not because they have never sent me a bill or attempted to collect. It seems very unfair to get this reported to my credit when I have never had a chance to pay. TRUE NORTH AR is the piece of XXXX company that reported this. This bill was ( supposedly ) originally from XXXX but it 's now XXXX and still ... Nothing!. This is damaging my credit and I have all current and satisfied accounts other than this. I am very frustrated, I disputed this with the Credit Bureau and they just said it was 'mine ' and closed the dispute.
I do not feel this is fair. I pay my bills when they are presented to me.
|
| 04/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted XXXX in several occasions to try to rectify this issue and instead they continued to pass the buck around the company and no one would help me and yet this is still negatively reporting in my credit.
Back in XX/XX/XXXXor XX/XX/XXXX not 100 % sure but i had an account with them i moved and transferred the account. The customer service rep some how created a totally new account for me not informing me of what she did therefore it resulted in a early term fee and some other unpaid fees that i have no clue about. When i contact the creditor EOS as well as XXXX no one can produce the finale bill Nor break down the charges to me. This is why Im bringing it here. I need this off my credit and Im at lost of what to do. My next step i guess is going to small claims court if i can not resolve it here.
|
| 01/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Spoke to XXXX at XXXX XXXX was given the appropriate 30 days by law to investigate inquiries showing on my credit report that I did not sign or authorize, thye were taken off and then reinserted by XXXX. By law per section 611 of the Fair Credit Act a bureau is not supposed to do that without a notice. I was not notified and they were not authorized by me. The following inquiries need to be removed.
1. XXXX XXXX- XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX- XX/XX/XXXX & XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 8. XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX - XX/XX/XXXX
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| 06/29/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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XXXX is sending me letters in relation to TWO fraudulent loan accounts. I spoke with a representative from the ORIGINAL DEPBT OWNER of the account, XXXX XXXX They confirmed today that " THERE IS NO RECORD OF YOU AND ANY LOAN WITH US IN OUR SYSTEM. '' I asked the representative if there was anything dating back TEN YEARS. She said, " no, we do not have ANY record of you in our system at all. This happens often and we will be sending you a letter stating such. '' I am angry that XXXX is attempting to collect on something they know is fraudulent and why now? Where did they BUY the information and think it was valid? What system has given XXXX the power to harass consumers? Threatening letters, offers to settle, threats to post negative information on one 's credit report, who gave them the power to be jerks?!
|
| 11/18/2020 |
Yes |
- Student loan
- Private student loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I took out 2 student loans with XXXX XXXX that were relatively low. About {$6000.00} for each. A few years later XXXX XXXX turned into XXXX and they said I took out loans for XXXX each from XXXX XXXX. They did not have my correct address, or even the school I went to. XXXX stated that they sold the loans to a collection Agency called EOS CCA but that company had " gave the loans back to XXXX ''. They are both currently on my credit reports and both company 's are trying to collect for the same debt! When I called the credit bureaus, they stated that XXXX had closed the account. Now they are trying to collect XXXX from me. EOS is trying to collect XXXX. They both claim to still hold the " debt ''. All from a XXXX loan. There is some serious fraud going on and these company 's are trying to get over on me.
|
| 05/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I applied for a job with a credit union in the security department. They informed me I had a bad debt with XXXX on my credit report and needed to resolve it in 30 days or I would lose the job offer. I contacted XXXX and was informed they had no record of me having an account currently or in their archives owing a debt of any kind. They refused to remove the negative credit account stating they were not reporting it. I called the number from the credit report and was told they were a debt collection agency. I believed this was an Identity theft issue however I did not have the time for an investigation. I paid the account with the collection agency, XXXX XXXX, in full due to time constraints. This was XX/XX/2016. I am now being billed by another credit collection agency, EOS CCA for the same XXXX account.
|
| 07/16/2016 |
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 received a collection notice from EOS CCA in XX/XX/XXXX to XX/XX/XXXX claiming I owed a debt to XXXX XXXX XXXX for {$150.00}. The debt was reported to XXXX and XXXX. I disputed this debt through XXXX and XXXX claiming the debt was not mine around the same time I received the notice of an attempt to collect a debt. I have never received services from XXXX or XXXX at any point. EOS CCA did n't respond the inquiry and as a result XXXX removed the debt. That was around XXXX XXXX to XXXX XXXX. I thought this was resolved. Now, fast forward to XXXX XXXX and I am receiving a notice of collection placement from EOS CCA again stating they are attempting to collect a debt for {$150.00}, which is the same debt I successfully disputed and had removed from my credit reports. I need help with resolving this matter.
|
| 05/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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There was a pass due XXXX cable bill from XXXX. It paid was XX/XX/XXXX to the debt collection agency XXXX XXXX for the settlement amount of {$1100.00}. As I am trying to move into an apartment this week the debt appeared again now from a collection agency EOS-USA. I have contacted XXXX about this matter and they sent me a letter stating that theyll contact all major credit reporting agencies for deletion and that I must contact EOS-USA myself. When I contact EOS-USA they can not find my account and they are rude and dismissive. I have the letter from both XXXX and my paid receipt from XXXX XXXX. I am trying to resolve this issue but XXXX wont speak to EOS-USA in order to settle this matter. To make matters worse I tried to contact XXXX XXXX and found that the company permanently closed in XX/XX/XXXX.
|
| 05/06/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Ive tried disputing this account with this company several times and the company failed to provide me with verification of a contract with their agency bearing my signature. Ive also called the company to ask them to provide me with information that theyre legally bonded and licensed to collect on a debt within the Maryland area. The representative got rude and hung up on me after I disclosed to her that, I researched the company name and license in the state of Maryland and their license has been expired since XX/XX/2020. Which makes them not legally bonded nor licensed to conduct business in this state. She then told me that I needed to take that up with a supervisor who she transferred me to their voicemail, where I left A message and have yet to get a response back. This was over three weeks ago.
|
| 05/04/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
It appears tha t EOS CCA might have purchased my debt from another company, or otherwise reported the wrong delinquency date from the origional account. The origional delinquency date was sometime in XXXX and they have just reported to the credit bureau or my credit report reflects the date as XXXX XXXX XXXX , which has obviously affected my credit score dramatically. Federal law requires that collection agencies report the origional delinquency date from the oridional account. I want this corrected immediately. I also never received a single letter from this company regarding the debt. The debt was incurred as XXXX failed to meet their corporate responsibility in reviewing my account for false charges on my account. I expect this debt to be removed in the federal 7 ye ar time frame.
|
| 07/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
True North has collected on a medical debt that was closed out with a XXXX balance on XX/XX/XXXX, Proof enclosed in documentation. This company has been harassing me since XXXX and I filed a complaint through the attorney generals office back in XXXX where they have tried to collect on my husband and my acct through a levy. After attorney generals office sent them a letter my credit was updated and the removal from the judgement was off my husband and my credit as well as I received a XXXX out balance letter. The original creditor " XXXX XXXX of XXXX XXXX '' did not bill the correct insurance and I also was covered by state insurance. This error was strictly on there part and due to time they were unable to submit claim and billed me even though I was on a state covered medical assistance program.
|
| 03/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a XXXX account now a collection account that now appears as a collection account for {$1200.00} Account Name EOS CCA. In XX/XX/2013 i was contacted by XXXX, my cell phone provider at the time. They informed me that my data which included my location was accessed multiple times during the month of XXXX 2013 including my location by an unknown third party that breached XXXX security system. They offered me free months of service which i denied. They agreed to close my account with a XXXX balance. i went on to obtain a new carrier. I began to received bills from XXXX, I attempted to resolve the bill, they stated they would fix and XXXX the balance and that never happened. I have disputed the account with the credit beurou and they continue to report this information as correct and accurate.
|
| 01/26/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
Older American |
|
Please refer to File # XXXX - which apparently is now closed by your agency. I 'm confused. XXXX XXXX XXXX by what was submitted on the above case sold a loan that was co-signed for by me to EOS. The loan was not defaulted on by my son, it was consolidated with his other student loans in XXXX, therefore they ca n't come after me for cosigning for something that is not defaulted on. I was never notified of any alleged default. The first I heard of it was when I started getting notices from EOS. This needs to come off of my credit report and this collection company needs to leave me alone. They are going after debt that is nine years old and is not real. Everything is explained in my dispute of XXXX/XXXX/XXXX in your file number XXXX I would appreciate your assistance in getting this cleared up.
|
| 03/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter dated for XX/XX/XXXX from : XXXX XXXX XXXX XXXX stating I owe a debt that was already disputed and removed from all credit bureaus wrongfully reported by XXXX XXXX XXXX on XX/XX/XXXX.
I immediately within 24 hours sent this current company a certified letter requesting a complete Validation and NOT Verification.
I then received and additional notification three days later requesting payment for a unverified debt from XXXX XXXX XXXX XXXX without a specific date letter was produced.
I am requesting that XXXX XXXX XXXX XXXX. Provide me with the original bill and not a bill designed by their standards. Please provide the Original billing documents uploaded on the CFPB platform for review.
I repeat, do not send to my address, please upload on this website for review.
|
| 02/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a federally protected consumer and a natural living person. I am aware that this company by the name of Collecto/Eos Cca , is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe you this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Collecto/Eos Cca should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.
|
| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Another 3rd party company name EOS CCA opening date XX/XX/XXXX attempt to collect a debt for XXXX company that has been closed since XXXX with no due amount on my record. Claiming on my XXXX and XXXX credit report that it is a new account. That is fraudulent there are no new accounts. In XX/XX/XXXX another 3rd party attempted to claim their collecting a debt for XXXX company too. It was removed due to this being a fraudulent attempt to collect for XXXX company with no proof of account. When XXXX stated for the record there in no attempt to collect anything monetary in my name nor there trying to receive {$350.00} on a past bill. There was no brought accounts in my name from XXXX company. When I contacted XXXX company there is no account on the record for any past due collections.
|
| 04/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On my XXXX credit report it shows a delinquent account. This account went delinquent in XXXX, after an Ex refused to pay his bill after the relationship ended. I became aware of this delinquent account in XXXX when i pulled my credit report. It was bought by a new collections agency ( EOS CCA ) recently and that collections agency is reporting as a new account, using the date they bought it as the date it was opened. I know that this is illegal! They must use the original date, even if a new company purchased it. I filed a dispute and asked for the date to be changed but was denied. This account is showing to be opened on XX/XX/XXXX, when it actually went delinquent in XXXX. This past due account dropped off of my XXXX report because it was not reported with the new date there.
|
| 11/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I spoke with a representative on XXXX/XXXX/2015 from EOS CCA she advised me that I was billed in error and that the debt would be removed from all three credit bureas. She also provided me with a telephone number to follow up with XXXX XXXX XXXX ( XXXX ) XXXX. I called this number and it was disconnected so, I contacted EOS CCA again and spoke with XXXX with Consumer Complaint who advised me to send them a email or fax for the phone conversation to be investigated. They have been billing me for several years and after numerous credit bureas disputes they are still knowingly reporting misinformation for a debt that does not belong to me. I received a bill under XXXX XXXX which is not my name and or debt. I would like to have them remove this debt from all three bureas immediately.
|
| 10/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
1. On XX/XX/2018, I sent an initial letter to EOS CCA ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$520.00}.
2. I also notified EOS CCA that my Initial Letter also served as formal notice that I was disputing the claim.
3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to EOS CCA on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.
4. Thus, XX/XX/2018 was the 30-day deadline for EOS CCA to send me verification of the debt. I havent received anything.
5. The entry of {$520.00} on my XXXX and XXXX credit reports is entirely inaccurate, incomplete, and represents a very serious error in reporting.
|
| 08/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received letter in mail, stating that if I did not respond that they would automatically assume I am admitting to a debt in which I do not..have received letters about an apparent debt to XXXX XXXX XXXX for years now. I have always written to them or answered phone calls and asked them to stop harassment, that I do not owe a debt, and I even called XXXX XXXX XXXX to resolve this issue and they refused to speak to me about the matter stating that I must talk to the debt company ( XXXX XXXX XXXX customer service agent then continued to sign me up for a new plan with them ). I have been an XXXX customer for I believe to be over 10 years now. The letter never states times of supposed debt..but I can tell you that I have had nothing to do with XXXXXXXX XXXX XXXX for a very long time.
|
| 01/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692 the company by the name of EOS CCA has violated my rights. 15 U.S.C. 1681 Section 602 ( a ) ( 4 ) States that There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states that any consumer reporting agency may NOT furnish a consumer report without the written instructions of the consumer to whom it relates. I have no knowledge of this company. I have signed no contract with EOS CCA. I found out about them when they appeared on my credit report. Damaging my credit score and furnishing inaccurate information.
|
| 04/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Paid in Full with the original company still reported on my credit with XXXX original creditor was Paid In Full XXXX ...
INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate.
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation.
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Account Details Account Details Payment Status Account Number # XXXX Name EOS CCA XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$160.00} Original Amount {$160.00} Original Creditor XXXX XXXX ( Cable/Cellular ) Past Due {$160.00}
|
| 02/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notice of collection placement letter from EOS CCA, statement date XX/XX/XXXX for the amount of {$120.00}, original creditor XXXX, current creditor XXXX XXXX XXXXt XXXX. I called EOS CCA on XX/XX/XXXX to find out more because I don't recall having an account with XXXX. The EOS CCA staff told me to contact XXXX, and possibly file fraud via XXXX 's website. I called XXXX on XX/XX/XXXX, their staff can not find any accounts under my name. I went on identitytheft.gov and chatted with their staff for advice, and was told to first find out if the charge appears on my credit report, if not I should file a complaint with CFPB. I ran a credit report with XXXX on XX/XX/XXXX, did not find the charge, called CFPB hotline for advice, and decided to file a complaint online.
|
| 09/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/20 I called child support to report new employment. The worker reviewed my case and told me I was in good standing and didn't owe anything and also informed me that I had over paid.
On XX/XX/20 I went on XXXX XXXX and discovered that my credit rating went down 24 points because child support put on my credit that I owed when I was already told that I was in good standing. I called child support and talked with a case worker about this and she told me she was going to put in a dispute for me saying that the information placed on my credit report was incorrect.
On XX/XX/20 another case worker called me and informed me that she didn't see a dispute placed and that the previous worker never sent anything in. She then informed me that I would need to dispute this.
|
| 09/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!
|
| 11/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.
Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The XXXX and XXXX XXXX Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
1. EOS CCA XXXX Balance {$170.00}
|
| 03/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a call on my cell phone. It was a hang up when I answered. I called back and discovered I was called by a collections company. I do not owe anyone any money. The representative who answered identified himself as XXXX XXXX. He had a foreign accent. I told him I was called and hung up on. I gave no info about my location, etc. He said the company was trying to reach XXXX and gave a partial address that I did not catch. No city was indicated. I told him I did not know the person, did not appreciate the call on a cell phone and the hang up. I asked to speak to a supervisor and have my number removed from the list as I was not a proper contact. He said a supervisor could not help me. Wanted to know if I knew how to contact XXXX after I said I did n't know a XXXX.
|
| 06/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
i have requested my credit report and there was a reported debt on there from EOS CCA which stated i owe them {$4500.00} for an XXXX Bill i then contacted XXXX to inquire about the bill seeing as i had no knowledge of even having the service with them. I was first transferred to customer service which they have informed me they have nothing in their system of me ever having service with them which then i proceeded to be transferred to their collections department for further confirmation and again they also told me they have nothing even stating i was ever a customer through them. my question is what can i do about this to have them to remove the debt from my credit report this to me sounds illegal to try to collect a debt and report a debt that i do n't even owe.
|
| 09/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am submitting this complaint because EOS CCA is being unfair and negligent. This company has RE-AGED the account and is reporting discrepancies across bureaus. I sent them a debt validation letter back on XXXX. They failed to respond or even mark the account as disputed. They didn't even investigate the disputes. Basically, I was ignored by this company.
I am disputing the following item on my report : Account information : account # XXXX, opened : XX/XX/XXXX, original balance Account information : account # XXXX, opened : XX/XX/XXXX, original balance {$380.00}, original creditor : XXXX XXXX XXXX
I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.
|
| 01/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
I have tried numerous times to get a debt off my Credit report for the last 5 years! First and foremost, I am sure I paid it in full, then the company turned around and proceeded to send me to a collection. I paid the collection company, as you will see on the attachment, and they still after 5 years do not remove.
I get in my mail in XX/XX/2014 that the Company has turned me over for Collection. I call and try to talk to this company which only collects a debt! So, if the debt is paid before a certain date the amount to be paid is lowered. I could not and would not spend another ounce of my energy on this so I paid it. Did the Credit Reporting or the Company take off my credit report. NO, they did not. Is this fair, it is not to me, and specially after 5 years.
|
| 10/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was an XXXX XXXX XXXX XXXX customer but I closed the account in good standing in XX/XX/2010. Today I received a letter from EOS XXXX claiming I owe XXXX XXXX XXXX some {$140.00}, and If I pay by theXX/XX/XXXX, I only need to pay {$100.00}. I immediately called XXXX XXXX XXXX and they put me in touch with their collections department who found nothing with regards to my account. Infact the only information they have is account being closed. This is very disconcerting as EOS XXXX is making a false claim for a debt that is not owed. I am writing this request to bring to your attention the fraudulent practices of EOS XXXX which I have read on the XXXX XXXX XXXX community forum as well as many a people have been scammed by them. Here is the link.
XXXX XXXX XXXX
|
| 05/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Opened XX/XX/2017 ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Creditor Information EOS CCA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance due is {$540.00} I was told when leaving the Hospital that there was no outstanding balance due because my health insurance covered the expense and all I had to do was pay a co-pay which I had done. I now noticed that they say there is still a balance due and it has been sent to collections, I have tried calling the creditor numerous times to understand and resolve this issue but have not been able to get in touch with them, and the voice mail message is for a different extension number. I am in need of help thank you.
|
| 03/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ON XX/XX/XXXX EOS CCA collection is trying to collect a debt that I don't owe for {$420.00} They have placed this debt on my credit report that is affecting my credit rating as I am trying to get things that I need. I have sent a validation letter disputing this account on XX/XX/XXXX. They could not validate my account, instead they sent a letter stating that this is verification of an outstanding debt. On the letter they sent it only has the acct Number, the orig creditor acct, and the balance they are claiming I owe. This is not Validation of Debt. I am requesting they remove this debt immediately and report correcting to all three credit bureas asap. On my XXXX Credit report it says under remarks that acct was disputed by consumer, meets FCRA requirements.
|
| 01/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/XXXX, I sent a certified letter to EOS CCA, requesting copies of any documents, bearing my signature for an account that was added to two credit reports under my social security number by this collection agency. I formally requested in this letter to ceast and desist any attempts to collect on this debt. As of XX/XX/XXXX, this company has NOT satisfied my request for documentation.Pursuant to Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts :, this account should be removed from all of my credit reports, never to be reinserted again, by this collection agency. This collection agency also violates, FDCPA 807. False or misleading representations [ 15 USC 1962e ], as I do not have ANY accounts ( active or inactive ) with this company.
|
| 05/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I first opened TV service with XXXX XXXX in 2015, i had the service since i moved 3 times with the service. The first move i made the customer service person canceled my service resulting in a cancelation fee and just issued me a new account not telling me what she had done. It wasnt until i saw this {$800.00} bill from them show up on my credit. I called them and the credit department is reducing to fix it i disputed it they refuse to remove it. This is holding me back from buying a house. Im not paying it as i dont owe it. My service was never disconnected. I believe the sales person just wanted to have a new connect so the did this and now Im stuck with a fee. Also when i ask for documentation they state that cant provide it. So how is this valid then.
|
| 11/19/2020 |
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 |
Servicemember |
|
There are 3 accounts that are on my credit report that are not legit. Two are from the same place which they are reporting 2 accounts from XXXX XXXX XXXX, and the other is EOS/CCA for XXXX.
XXXX XXXX are reporting two accounts that I know are not mine.
EOS/CCA is reporting me but I do not owe them anything at all. They say they have my account from XXXX. I called XXXX and they said I do not have anything in collection with them. I requested proof from EOS and the 3 credit bureaus and also requested a detailed description of what I owe to EOS *I have never heard of a place called EOS & I never received any proof with my signature acknowledging any account. I have made these requests multiple time 's over the last two years and my requests are ignored.
|
| 04/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I called XXXX on XX/XX/2019 and after several tries, I was told I need to contact the collection agency, EOS CCA at XXXX. I called the collection agency and reached talked to XXXX. I explained the situation, that my ex-wife XXXX XXXX opened the account without my knowledge, and I was never informed. He brought over his manager, XXXX, who kept pushing me to pay this to clear it, even though I explained the situation, I told him I was in the process of purchasing a house and needed this resolved quickly, but he still pressed me to pay it off. He finally gave me some vague information to file a report and they would review it, but no assurance it will be resolved soon or at all.
EOS Case # XXXX The amount owed is : {$2000.00}.
No date information given.
|
| 06/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I have disputed this " collection '' through XXXX and XXXX with no avail. Please see attached for details associated with the dispute. I had made contact with XXXX on several occasions. Noting the attached XXXX visa statement where the credit was issued ( charged in error ). Only later to find this on my credit report. I moved from the home in which I had XXXX services. When I contacted them, they stated they had sent to my previous address. I never once received a phone call or voicemail, I was told to leave the equipment and still paid another invoice for ~ {$1400.00} in addition to the collection charges. I immediately paid the collections thinking this would be removed from my credit report. Please read the attached document for further details.
|
| 04/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This is the third debt collector trying to get money from me that I never owed. The " debt '' was from my XXXX XXXX account years ago. I had cancelled my service and was told to pay off the remainder of my contract. I had paid the full amount and received a notice saying that I owed {$0.00}. A year later I have debt collectors after me saying I owe money for an account I never had, never used any data, and never was sent a payment. I received another settlement offer from EOS CCA dated XX/XX/2019 stating that XXXX XXXX XXXXXXXX authorized them to give an offer for me to pay {$290.00} of the {$410.00} supposedly owed. I was never given an option to dispute this claim and have not received an itemized statement to even see what I currently would owe.
|
| 07/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX i received a letter from EOS-CCA debt collection agency stating i owed XXXX to XXXX XXXX XXXX. My subscription ran out and i did not renew it.
Now, this debt collection agency is saying because i did not call and cancel my subscription, i have to pay this amount or they will turn it over to the credit bureau.
I called XXXX XXXX XXXX and they said they did not turn this in for collection and that i do not owe anything. My XXXX XXXX was cut off at the end of my subscription and so i do not owe anything. Some how, seems that XXXX XXXX had to give them my information Strange thing is, the address or phone number is not the same on the internet and the letter.
I did not get any where with the EOS-CCA collections agency.
Please help
|
| 09/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been monitoring my credit for awhile now and today noticed a collection account placed on my XXXX report and as of today this is the one report this fraudulent account is on at this time. I do not have online access to my XXXX XXXX report online so I can not verify if this fraudulent account is on this report or not. Please investigate immediately and remove from my credit report immediately. I do not know of this debt, what it is in relation to nor do I now who this company is but I do know that I have not done business with them. This account is fraud and it is damaging my credit. I need it removed immediately. I tried reaching out to the company but they are unwilling to assist in this matter. I will also be filing a police report.
|
| 10/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a collection letter from EOS CCA ( " the Company '' ) in XX/XX/XXXX and disputed the validity of the debt. I recently received a letter from the Company that they were using to verify the debt they were trying to collect. The items that were supplied show dates as of XX/XX/XXXX although I told the company that the debt was settled XX/XX/XXXX with the original agency. I am asking the company to verify that the account is a current account and they are pushing that burden on me although this is a requirement they should be doing. I have contacted the child support agency they are claiming to collect for and they are stating my account is closed with no balance, so I am sure this is why I was provided with documents from XX/XX/XXXX.
|
| 03/07/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am requesting from the collection agency ESO CCA. A copy of all my bills from XXXX.I requested this info back in XX/XX/XXXX.They never sent it out.I want to verify the amount owed.I want all my bills.I don't owe this amount.ESO CCA brought the debt from verizon.They don't even really know about the real true amount .They refuse to send me the bills out.I want to removed from my credit report asap.I disputed this back in XX/XX/XXXX.Its is a grace violation of the FDPA and FCRA.I am a XXXX XXXX who will be filing a law suit against in US District Court Federal Court.I will also file a subpoena .So I can get a copy of all the recorded phone calls.
My Acct # XXXX Alledged amount owed {$2100.00} I spoke with a XXXX, XXXX XXXX and XXXX XXXX
|
| 06/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 03/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Eos cca is the company originally XXXX they broke there own contract they wouldnt fix the dish didnt have I XXXX I mean not any services at all, I then canceled service because they refused to fix it then they sent out the wrong boxes after I called them to send out the new boxes they told me to keep them horrible customer service then proceeded charge for the contract they broke not me because refused to fix services and Satellite boxes they were refused to ship out the right boxes they ship smaller boxes on purpose then charge me instead of shipping which is felonious contact me further information XXXX sincerely XXXX XXXX XXXX XXXX ps because of the harassment I would like to sue this company for false/Inaccuracies on my credit report.
|
| 01/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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On Monday XX/XX/XXXX at XXXX I received a phone call from XXXX, after saying Hello several times and hearing someone in the background, then hung up. I called the number back and it was confirmed to by EOS CCA. On Wednesday XX/XX/XXXX they called again at XXXX, I gave the collector a verbal cease and desist, he paused then told told me 3 times he has no idea what I am talking about and hung up on me. On XX/XX/XXXX at XXXX I received another call from EOS CCA, I immediately asked for a manager and was transferred to XXXX XXXX and told about about the verbal C&D, he also verified calls are recorded. He then proceeded with since we are talking already, can you discuss your account....I told him no and ended the phone call with another C&D.
|
| 07/26/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
1. ) XXXX XXXX {$720.00} contacted agency several times.
2. ) EOS CCA ( XXXX XXXX XXXX ) {$380.00} This was not my account. I never had service with them 3. ) XXXX XXXX XXXX 4. ) XXXX 5. ) XXXX 6. ) XXXX XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX 9. ) XXXX XXXX 10. ) XXXX 11 ) XXXX XXXX XXXX XXXX XXXX 12. ) XXXX XXXX XXXX XXXX 13. ) XXXX XXXX XXXX -paid off 14 ) XXXX XXXX XXXX 15 ) XXXX XXXX XXXX 16. ) XXXX 17. ) XXXX XXXX # 18 ) XXXX XXXX XXXX XXXX 19. ) XXXX 20. ) XXXX XXXX XXXX XXXX XXXX 21. ) XXXX XXXX 22. ) XXXX XXXX XXXX 23. ) XXXX XXXX XXXX 24. ) XXXX XXXX XXXX XXXX 25. ) XXXX XXXX 26. ) XXXX XXXX XXXX 27 ) XXXX 28 ) XXXX XXXX XXXX XXXX XXXX 29 ) XXXX 30 ) XXXX 31 ) XXXX XXXX 32 ) XXXX XXXX XXXX 33 ) XXXX XXXX XXXXE 34 )
|
| 09/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 12/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is the third time Im disputing this debt that is NOT mine. It has been removed off of my credit report in the past and pops up again. It is not my debt and I refuse to have my credit profile defamed by XXXX XXXX and the collection companies they hire.
They are reporting a debt that is not mine and send me letters saying that the debt is verified with no proof. Like Im not just going to pay a debt that is not mine. This is unacceptable. I sent the credit bureaus a letter disputing this debt and the company EOS CCA responds back saying the debt is verified? How? This makes no sense and their tactics are unfair and quite frankly abusive at this point. I demand they remove these negative remarks off of my credit report immediately.
|
| 05/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A derogatory item was fraudulently added to my credit report for a large past due XXXX bill in someone else 's name. They have this person listed as my " alias '' on the credit report. I do NOT have a XXXX account. The amount is {$3700.00} and was first added in XX/XX/XXXX and reported on XX/XX/XXXX. Approximately 1.5 - 2 years ago, XXXX started mailing billing statements to my address with the name of the other person. I marked the envelop with " return to sender ''. When that didn't work I called XXXX and spoke with a customer service representative. I though they were going to update their records but they never did. I stopped getting mail from XXXX and didn't know about the credit report problem until I applied for a home loan.
|
| 08/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Eos cca has my mailing address on file, but decided to send a debt owed letter in my name to a XXXX address belonging to my estranged brother in law. He thought i was having bills sent to his home on purpose. He opened the letter being that it was sent to his home and discussed my business of debt collection for a phone i paid the full liquidation balance that was owed to XXXX. Eos cca must have gone through my XXXX contact list in order to know who my brother in law is. I am disgusted the tactics that were used being that eos cca has my home address. It has made matters worse for my estranged relationship with certain family members. My business in no one elses business. It has caused me a great deal of stress and i plan on suing.
|
| 03/02/2022 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
|
| 10/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have received a debt owed with no notice, first noticed it on my credit report which lowered my credit score. This is a debt from XXXX XXXX for services from XXXX Im told. I did not have a internet account since XXXX. Moved in XX/XX/XXXX from this address. I have contacted this debt collection company for information on this debt 3 times asking for validation of this debt and receive 3 different answers, we never sent it to you, Yes we sent it to you we cant send it to you til we hear from XXXX XXXX XXXX. Meanwhile my credit is destroyed my this. This came to my attention XX/XX/XXXX and still no validation or corespondence. The companys name is EOS CCA XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Debit amount {$310.00} XXXX XXXX
|
| 02/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
on my credit report is a collection for EOS CCA XXXX XXXX XXXX XXXX XXXX 2012 {$1600.00}. first I have never received anything from the collection agency and did n't know anything about it until I pulled my credit report. 2. I sent a letter requesting they verify the debt and I still received nothing. 3. I called XXXX and asked them about it. They looked into it and said I did n't have an account with them. I already knew that because I had XXXX before switching to XXXX. 4. I 've have disputed it with the XXXX credit bureaus multiple times and it still shows on XXXX and maybe XXXX ( i have been unable to view it online ). I want it removed it have been more than the 30 days they have had to verify it. and its false information.
|
| 05/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid EOS CCA for my XXXX debt in the amount of {$160.00} which was on my credit report. I am trying to clear up all of my debts and asking for 50 % -75 % reductions on all debts. All debt collection companies have replied with acceptances. This one cashed my money orders but is refusing to take my debt off my credit report. They passed me around on the phone several times repeatedly, let me get you my manager, let me get you my supervisor, oh wait there is this note. I just want this resolved and removed. The next think I know they tell me I owe another {$300.00} and some odd cents. Something I was not even aware of. Then she says when can you pay that. I was so confused! Help me get rid of these people and delete this debt.
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 03/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Account number:XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiryon my XXXX, XXXX and XXXX credit report. My latest credit report shows 1 credit inquiry that I did not authorize.
I writing to dispute the following inquiries and asking for their removal from my credit report.
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Thank you for your assistance.
Sincerely, XXXX XXXX
|
| 06/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
EOS CCA, a third party collection agency, collecting on behalf of XXXX XXXX has falsely reported a balance on my credit report of {$160.00}. There was a previous balance of {$540.00} which was settled for {$420.00} and paid in full early XX/XX/2019 in order to secure affordable rates for refinancing of my vehicle and a suitable interest rate for pre-approval of a home mortgage. I reported the information as false with the credit bureau and I believe the company continued to show the negative balance on my credit report hoping I would call back in desperation to remove it. This has affected me as it has given me unfavorable rates for refinancing and securing other financing as my credit score was tremendously impacted.
|
| 12/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I currently have an account with a debt collection company EOS ( Account Number XXXX ) that is collecting on an outstanding XXXX XXXX Account. I sent a payment via certified mail on XXXX XXXX in the amount of {$110.00}. I called the company earlier today ( XXXX XXXX ) requesting a payment receipt. The representative told me that they are unable to provide me with a receipt. I told the representative that this was completely unheard of because as a customer I have the right to know whether or not the company received my payment or not. Especially since I 'm sending this via postal mail I have no idea whether or not the payment was received. I deserve to know whether or not my payments are being credited to my account.
|
| 09/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
One day i got a bill from XXXX XXXX for over {$3000.00} and i never had a account with XXXX wireless i called and and told them that i never had a account with XXXX XXXX so i disputed with them and after few months later they told me somehow they verified that i was the one that opened over 5 lines, but thats crazy i never had XXXX XXXX let alone have 5 lines. so please i need help removing this from my credit because i want to buy a house and this needs to be removed from my account before i can buy a house.
Date Opened XX/XX/2017 Account Type Collection Balance {$2900.00} Contact Address XXXX XXXX XXXX, XXXX, MA XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$2900.00}
|
| 12/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
i have contacted this company numerous times trying to resolve this matter.
i sent them a validation letter XX/XX/XXXX which they never responded.
then i sent another letter to them XX/XX/XXXX and the responded with nothing an account number, address and original creditor information, i wrote back requesting the original contract from the creditor, i contacted them to day XX/XX/XXXX and they mailed a bill not a contract.
The account they are alleging i owe has inconsistent dates opened last activity and being a third party collection agency, I would like them to provide me with an original contract bearing my names, signatures and any identification obtained such as drivers license, state ID with clear dates
|
| 01/19/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
EOS CCA is representing that an student loan account that I had with XXXX XXXX now has " US Asset Management Inc '' as a current creditor. That is not correct. They are also representing that I owe an amount which is incorrect by over {$6000.00}. They sent a letter to my address although they misspelled my name. The language that they use is very suggestive that I need to take action to settle this debt with them. This is deceitful. I am currently paying off this loan with a company with which I have had a multi-year relationship. Because loans do sometimes pass to different creditors, this type of letter creates plausible uncertainty about the status of one 's loans and I consider it dishonest and manipulative.
|
| 08/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2019 I called EOS CCA collection agency to work something out with my collection wich I did not know about till I checked XXXX XXXX I tried to negotiate but the only way I could was if I postdated my payments which I thought was illegal. they did offered me a discount to settle the account but the only way was to pay in full or to postdate my payments I also asked if they could either mail me or email me the offers they were giving me before I made a payment but again the only way to get it was if I postdate then payments they were asking for.
the offers were one payment for {$1400.00} or postdate 3 payment {$400.00} before XX/XX/2019 and {$650.00} a month later and final {$650.00} the following month
|
| 11/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I wrote a letter to each credit bureau and had it notarized and sent certified mail. The letters were received by XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The letters requested from the credit bureaus that physical verification of the debt from EOS CCA be collected by the credit bureau and sent to me, verifying the debt per the FCRA. If they do not send the physical verification requested to verify the debt within 30-days, EOS CCA must immediately stop reporting this debt to the credit bureaus. Today is XX/XX/XXXXand EOS CCA has not complied with the demand to send the verification of the debt to me or the credit bureau and has not stopped reporting this debt at any of the credit bureaus.
|
| 11/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the EOS CCA ( Original Creditor : XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are 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 re-investigate most especially the status information on this account. Otherwise, delete this collection account right away.
|
| 09/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear XXXX ; I'm not quite sure what's taken so long, but it's been more than 60-90 days that i request your company and credit bureaus to look into this but for some reason, I haven't received any correspondence about this account. It's impossible that this collection was investigated and we're going into 3-5 months and I haven't received anything. It continues to report in violations and it continues to illegally re-aged. It's incomplete, inaccurate, and obsolete. I'm really shocked by the way that you're handling this situation and I would rather not spend or waste anyone 's time, and would rather want this deleted from my credit report. Not even the account status was updated if it was indeed looked at.
|
| 05/10/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX I got a letter from EOS CCA stating that XXXX XXXX had placed my account with them for collection because I owe {$30.00}. That if I wished to restore my service with them that I needed to pay. Normally I wouldnt have a problem with paying those {$30.00} but seeing as to how I contacted XXXX and they told me that my account wasnt under any suspension AT ALL. Plus a month before I thought I actually owed money but i has communicated with XXXX and they said Id be charged the following month on XX/XX/2019. So why on earth am I getting a letter from a debt collector saying I OWE MONEY when XXXX themselves said I didnt owe anything at all and I dont have to pay till XX/XX/2019?! Makes 0 sense.
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The collection agency EOS CCA is reporting a XXXX Account they do not own. I find this false and misleading since they never reported all the on-time payments made to XXXX. How can they go right to charge off? They put this on my credit report for one reason, to get me to pay. This is " weaponization '' at its finest.
I have no issue paying, I want this removed immediately! if all of my on-time payments are not being reported, and if the history I had with XXXX is not being reported then they should not be allowed to report this to my credit!
I never had a credit agreement with EOS CCA. This is bringing my credit report down, and needs to be removed immediately. This is incredibly unfair and unjust!
|
| 01/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have disputed this account do to the many inaccuracies contained in its reporting. in my disputes I have repeatedly asked EOS CCA to stop calling my work! They continue to disregard my many written and spoken attempts at having them stop contacting me by telephone and for once to provide me with written notification about what this is for! They still haven't mailed me anything but on XXXX XXXX before I left work, guess who called! EOS CCA and one of their wonderful and charming agents! Who threatened me with legal action if I wanted to receive something by mail, the smart XXXX! well, since they keep violating my rights and disregarding my requests, I assume you people have some authority over this!
|
| 04/30/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am for some reason getting numorous bogus debt collection calls. Today I got a call from a company called EOS a revording played and said to call XXXX - because no one in this household has any debts - I called immediately and was asked for personal information to pull up my account. I demanded information on the company calling me and what purported debt they were collecting. I was told it was " EOS '' debt collection. When I demanded more information about the caller and company, the young woman on the phone hung up. I have been getting numerous similar calls. No one in this household has any debts, as soon as I chalkenge a caller and adk for information, these callers hang up. Pleas investigate.
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| 12/06/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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The debt collection company, EOS CCA/US Asset Management, in an attempt to collect debt from me mailed me a letter on XX/XX/19 with the information of another person 's debt. I now have that person SSN, Address, DOB, phone numbers plus their cosigners SSN, address, DOB, phone numbers. This makes me worried that my information is at risk too. The company initially reached out to me a couple months ago saying that they got my debt from another company but I didn't hear from them for a few months, I know they are supposed to reach out within 5 days to collect the debt and give information on how to dispute it, and now I am worried that they were sending out my personal information to the wrong people.
|
| 10/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
I never received any notification that I owed this debt, making it impossible to refute a debt I do not owe. The only way I found out about it was when I viewed my credit report.
When I attempted to resolve this debt dispute, I was contacted one of their agents in XXXX who agreed to delete the report after telling me that XXXX the the original debtor.
Since I have an account with XXXX. I contacted XXXX and the agent I spoke with affirmed that I did not own XXXX any money.
Further more the agent stated that she would be deleting the item off my credit report, which apparently she did not do.
The Item appeared on my credit report on or about XX/XX/XXXX.
The amount of the alleged debt is : XXXX
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| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} EOS CAA : {$600.00} XXXX XXXX XXXX : {$650.00} The XXXX XXXX : {$830.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.
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| 04/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
EOS CCA calls me every single day, sometimes multiple times a day. They claim I owe roughly {$35.00} and that they are collecting on behalf of XXXX.
I did not trust it to be true at first, so spoke with XXXX and they have no record of ever passing my account on to this agency, especially since I am still a paying customer of theirs on auto-debit.
I have asked them to stop calling me and continually block every number they call from, but still call from different numbers like I mentioned every day.
They open the call by telling me that it will be recorded, and then say my name and try to confirm my address. I do not confirm my address with them, but it is very troubling that they have it.
|
| 03/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
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EOS CCA-a collection agency, put an old debt on my credit report as opened XX/XX/XXXX. The original creditor was XXXX fios-which first appeared on my credit report XX/XX/XXXX. It appears Eos is trying to make the 7 year clock start ticking from XX/XX/XXXX. I have disputed XXXX regarding the amount when XXXX put it on and now I have to dispute the length. I have read up on this company. Shamefully there are numerous complaints about them reviving old debts some as far as 10 years. I have not validated this debt with this company or agreed that I owed and would pay. I want them to take this off my credit reports and be held accountable for breaking the law.
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX
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| 03/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
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I was contacted on my personal cell phone number regarding an alleged debt owed by my girlfriend. She has been receiving harassing phone calls from this entity for weeks. The caller identified as XXXX from EOS CCA ( http : //www.eos-cca.com/ ) but he refused to provide additional information regarding the purpose of his call, the nature of the alleged debt, how my number was obtained, or any other matter. He called from XXXX. There is no legitimate debt to collect and this contact of third parties ( i.e., myself ) is totally unwarranted. Neither I nor my girlfriend have had any business interaction with EOS CCA and there is no reason why they should be harassing us with repeated phone calls.
|
| 03/02/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
I paid off my XXXX account in XXXX with EOS-CCA from XXXX a debt collector from XXXX. I settled and paid my debt in full under the terms that EOS offered me.
I am applying for a mortgage and need to have a letter sent to me showing this debt has been settled and need this to reflect in my credit report. My account number is XXXX.
They refuse to report the debt as paid in full and keep stating it is XXXX 's duty to do so. I have contacted XXXX and they tell me it is EOS_CCA responsibility. I do n't know who to believe.
I need a letter to be sent to me that I have paid this off and I need to have this information reflected on my credit report as soon as possible. Thank you.
Sincerely, XXXX
|
| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/2023 I received a phone call from XXXX. A woman on the line who had a XXXX XXXX that was very difficult to understand said she was calling to collect on a debt. She claimed to be from US Asset Management Inc. She asked how I wanted to pay the debt. After repeated attempts to get her to name the company and receiving unintellibible answers I told her that the debt could not be legitimate, I was not going to give her any financial information and she was not to call me again. Though she claimed to be from US Asset Management , INC the caller ID showed XXXX XXXX XXXX '' I performed a reverse phone number search via XXXX and neither company was associated with the above phone number.
|
| 04/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Previously I received a bill from XXXX stating I owed them money. I contacted XXXX by phone around two years ago when I received the first bill. They told me they were going to resolve, take the bill away and they will get in contact with me. Today, after two years I received a collection bill from EOS CCA Collection Agency ( XXXX ) stating I owed {$310.00}. I want to leave this clear, I NEVER HAD A XXXX ACCOUNT. I live in a XXXX community for more than 5 years and where they don't offer XXXX XXXX Today XX/XX/2023 was researching and signed into the collection agency page www.eos-cca.com and It shows that account number does not exist ( copy enclosed ) Are they trying to get money or what.
|
| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The last two years I 've repeatedly asked EOS CCA to stop calling me about a debt regarding XXXX XXXX XXXX Im XXXX XXXX XXXX. EOS CCA has repeatedly told me that they will take my number off their list but this is not the case they have called me at midnight one two and three and four in the morning and repeatedly and one day. This company has called me so much that I 've had to block every phone number that calls my phone except for persona emergency contact numbers. This company has you threatening tactics they told me they would have me arrested again I told them I am not XXXX XXXX.They have also said that they would charge my cell phone bill in oder to collect the money XXXX XXXX owes.
|
| 08/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of ID theft.
Thief purchased three handsets and subscribed to 6 phone lines using my name.
I promptly contacted XXXX and filed a XXXX XXXX police report about the issue.
On XX/XX/2021 I sent all documentation in my possession to XXXX at the XXXX XXXX replied : " This has been deemed relationship fraud, which means we will not be able to handle this without a police report naming a suspect. '' Suspect has been arrested by the XXXX Police department. On XX/XX/2021 I forwarded XXXX the police report supplement that names the suspect as requested by the XXXX representative.
However XXXX placed the account for collection and I received a letter from a collection agency.
|
| 11/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
Received telephone call from EOS CCA at my place of employment.
Returned call and was advised I owe a debt to XXXX XXXX. I advised in writing to EOS on XXXX/XXXX/2015 that I dispute claim and requested verification of debt because I never received a final bill after my cancellation of service indicating amount owed and for what services they rendered to me to cause my owing the debt. On XXXX/XXXX/2015 I received an alert by email from my credit monitoring service that XXXX potentially negative item was placed on my credit report, which was XXXX XXXX. I am also disputing that negative item with my credit reporting agency. As of the date, I have no response from XXXX XXXX or EOS CCA.
|
| 12/04/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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This incident was btought to yhe attention of EOS CCA. Who is now the XXXX creditor to attempt collection on this fraudulant collection. The company before them was XXXX XXXX. The original credit provider was XXXX whom never comunicated to me nor provided documentation of this false debt. This debt according to XXXX and XXXX was opened XX/XX/XXXX. My research after contacting EOS CCA was told that the account was originally established XX/XX/XXXX. Im certain that is against the law debt to place a debt in the hands of another debt collector let alone XXXX. I HAVE no idea why they are attempting collection without proper documentation to prove the validity of the collection attempt.
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
EOS CCA is reporting an account on my credit file that needs to be removed. I recently took a look at my credit and noticed this account. I called and immediatley settled this account since I was not aware about any collections on file for myself. This account got settled but I was never given a 30 day right do dispute notice on this account. This is a violation under the FCRA and the FDCPA and for that I ask that they provide me with a deletion letter. I am aware that EOS CCA has the ability to remove any accounts since they are the furnisher. I have settled the debt and am now asking for a deletion letter to the bureaus stating this account should be removed from my credit file.
|
| 03/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I already filed one complaint and somehow the company answered and the complaint was closed. However, that is NOT the end of it. The company claims a certain amount was paid on the debt in XX/XX/2019, and that was NOT me that paid anything on a debt that was NOT mine.
I am now submitting another complaint, because this company is violating several different federal laws. First off, this should have never been listed on my credit. I was NEVER notified ahead of listing this debt on my credit.
They have not provided ANY proof of the debt.
They have NOT answered any of my written communication.
They say the debt was paid and closed, but WHO PAID IT. MAYBE WHO THE DEBT BELONGS TO.
|
| 05/20/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
EOS CCA is aggressively attempting to collect debt for XXXX XXXX for the collection balance that was resolved and paid to XXXX back in 2015. This account is not valid, null, and is in violation of FCRA and violation of statutes of limitations allowing collectors to report to CRAs. I contacted EOS CCA to inform that XXXX stated in wring this account was satisfied in full and they DON'T contract EOS as a collector for their company .... EOS CCA collected all my personal information and now aggressively attempting to collect on the debt NOT owed and on the debt they have NO LEGAL right to ... They changed open date on credit reports 3 times now this should also be violation of FCRA
|
| 08/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Company called EOS CCA XXXX XXXX XXXX XXXX, MA attempting to collect debt that is not mine. They reported to XXXX and dispute was denied by XXXX. I have never lived near the address recorded for service for the XXXX XXXX account. I have an excellent credit history. Common sense would prove that this debt is not mine.
Turned over to collection on XX/XX/21 and I have never received one notice from XXXX XXXX or XXXX or this collection company. Was found on XXXX credit check. They refuse to remove my responsibility for this identity theft. It appears that EOC is simply attempting to force consumers to pay fraudulent bills to retain credit scores. Thank you for your assistance.
|
| 06/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Good Morning, I pulled my credit bureau report from XXXX and I discovered EOS-CCA had a debt account inherited from XXXX XXXX XXXX tied to me. All information and letters stating I had an account in collections with them never reached me as they were sending all correspondence to an address inhabited by other parties and not owned by myself. They refuse to acknowledge the fact that I never received any correspondence and have the documentation to prove I was on a lease in another city as well as employment information that I am employed in another city so I was not able to receive any correspondence to handle this issue before they submitted my account to the credit agencies.
|
| 12/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
EOS COLLECTIONS IS CALLING MY HOME, WORK AND EX SPOUSE THREATENING TO TAKE LEGAL ACTION AND SEND A SHERIF TO ARREST ME FOR AN UNPAID PHONE BILL WITH XXXX WHEN I NEVER EVEN HAD AN ACCOUNT WITH XXXX ... ..
I tried calling EOS who first said they were missing my social # then they called my mother 's house asking for my social or they would arrest me, mom gave them my social now they are reporting this erroneous collection on my credit report and calling at odd hours of the day with rude threatening language.
I also contacted XXXX who had NO NO NO record of this at all and had NO idea who EOS was. Please help me stop this illegal operation of EOS this should not be allowed
|
| 11/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an overdue account with XXXX. The debt was sold to a company named EOS CCA who sent me paper mail and the debt was paid. The debt was {$500.00}. The debt was paid in full although I do remember thinking their form of payment was a bit odd as it was basically a cash transaction. On XXXX/XXXX/2017 I received an email from XXXX informing me there was a change in my credit report and as of logging in and looking at it I found it was a very significant drop due to EOS CCA reporting me for collections. I was never contacted by the company in any form. I did research and found that I was one of very many people scammed by this company and it 's fraudulent acts of business.
|
| 03/13/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
THIS IS NOT A DUPLICATE REQUEST. Hello, this company is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/XXXX. However, they are reporting 2 separate dates, XX/XX/XXXX and XX/XX/XXXX. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. Its damaging my credit.
|
| 05/11/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Keep getting calls about my loan
|
|
Web |
Servicemember |
|
EOS CCA IS STILL MAKING phonecalls to my place of work after I told them not too - AGAIN and REPEATEDLY violating the FDCPA, you have done nothing and they STILL CONTINUE to BREAK THE LAW!!! STOP THEM FROM BREAKING THE LAW ANY MORE AND FINE THEM ACCORDING to the FDCPA. What good is this law if they dont follow it and you dont enforce it? Justice needs to be done. This is my third demand from you. I will always keep looking out for my rights - I highly suggest you do your jobs this time. EOS CCA NEEDS TO BE PUNISHED ACCORDING TO THE LAW. STOP CALLING MY PLACES OF EMPLOYMENT. I have documented proof they broke the law on XXXX occasions even with their incomplete records.
|
| 02/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items in 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and my have gotten into the hands of the wrong person.
|
| 11/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was sent a collection notice by EOS CCA stating that I owed XXXX {$77.00} for a bill from years prior. I called both EOS and XXXX for proof of such a bill and neither were able to supply me with documentation of what I was being charged for. The XXXX representative said they did not keep records after 2 years and were unable to provide me with the bill. I repeatedly called EOS for months requesting the documentation from XXXX and have yet to receive anything to this date. I will not pay a bill that can not be backed up by proof of service/no payment. Unfortunately, this has had a significant impact on my credit score as a result despite many attempts to resolve.
|
| 08/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX calls me almost daily and refuses to tell me why they are calling unless I divulge/confirm personal information. I do n't know who they are so I 'm not doing anything.
I did I XXXX search and found out they handle debt collection for XXXX. I had a XXXX account months ago which I cancelled - paid in full. I called XXXX and they confirmed they made a mistake.
I 've since spoken to EOS and told them what happened and that they can confirm the details with XXXX. They still call me daily.
I told EOS to remove me from their list and any further calls would be considered harassment. They are also calling my family members whom were not even on the XXXX account.
|
| 12/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020, a debt collections record appeared on my credit report. The debt is for the amount of {$690.00} and the collection agency is EOS CCA. After investigating further it appeared that XXXX XXXX is asking for the debt to be collected.
When I called XXXX they said they dont have an outstanding balance for that amount in my account. I have already cancelled XXXX but I dont owe that amount. I have never been called about a debt collection for this either.
Yet I havent been able to get anyone in XXXX to remove this debt collection from my account. This came at a horrible time as we are trying to buy a house and now my credit score went down by 50 points
|
| 07/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
On XX/XX/2021, I had an appointment at an apartment complex here in XXXX, to view an apartment for my Mother. I was greeted by the receptionist and she asked me to spell my last name. Unbelievable, she then showed me a piece of mail that had MY NAME with a valid address at their complex! I had never lived there before and they had planned to " return to sender '' this piece of mail. So, since it was in my name, I decided to open it. It was a " Settlement Offer '' from a company called EOS CCA out of XXXX, MA. Their Client Name listed is XXXX XXXX. I called XXXX XXXX since I was a former customer of theirs and verified I owed them no money! This is 100 % fraud!
|
| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am XXXX submitting this complaint against EOS CCA and there is no third party involved. EOS CCA did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation. They did not follow the proper procedure under the new FDCPA laws Effective XX/XX/2021, an amendment to Regulation F, which implements the FDCPA, in which protects consumer from improper reporting.
|
| 06/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
i recieved mail from a debt collection company trying to collect a debt of behalf of XXXX XXXX. This is a direct violation of my federal rights.
U.S.C. 1692 states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) 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 ;
|
| 06/07/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Greetings, I Partnered into a contract with XXXX XXXX for cellular service, and at the time, they should coverage respectively, for my region in which service was required. I had several occasions being a business owner where my calls were never sent to me for the ability to answer and due to this my company suffered financial hardship. I reached out to them to correct this issue several times, and was unsuccessful. I discontinued service with them and refused to pay, as they breached their own contract. Now they are affecting my credit report and making this a challenge for my family and I to purchase our new home. Thank you for all help that you can provide.
|
| 11/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a bill from XXXX. I receive a letter from EOS CCA to settle this for {$900.00}. Which I paid to them on XXXX. I am now receiving a bill from EOS CCA for the balance of {$380.00}. This is fraudulent, because there was a promised settlement. And I paid the requested amount to have this removed from my credit report.. this is still on my credit report, I disputed it twice with XXXX to no resolution. I need this removed, and to stop receiving bills. I also sent to the EOS CCA company the copy of the agreed settlement letter and the payment receipt from my bank account. they have not stopped harassing me, and not removed from credit reports as promised.
|
| 06/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I was given a verbal agreement that if an EOS CCA account was paid off in full the day of that it would be deleted within 2 weeks from my credit report and Id also receive a deletion letter. I never received any letter and it was never deleted from my report. I called back today to see what could be done and I was given no help and told that its not happening. I spoke with XXXX XXXX the Complaints Department Supervisor who can be reached at XXXX. As a recently separated and XXXX veteran from the United States XXXX XXXX this is causing me housing issues and stopping me from obtaining a VA home loan. I am trying to fix this to better my housing situation.
|
| 03/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Good Evening, I just got off the phone with both XXXX and XXXX at EOS CCA company in regards to alleged debt from XXXX acct # XXXX, and it keeps showing that I still owed {$360.00} but this debt has been paid down in full with reference number # XXXX ... This is reporting wrong balance and they both mentioned that once it's paid that they will fax me the letter and put an order to get it removed or deleted from my credit report.
Again, I had 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.
|
| 04/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
In XX/XX/2014 I went to a hospital for a procedure. An insurance co-payment bill was sent to a collection agency called EOS CCA. I found out and called and paid the collection agency in full with a credit card. Now they show that I owe {$86.00} on my credit report.
I have been calling the collection agency to remove that from my credit report and they keep saying that I owe NOTHING and the credit reporting company has to fix it.I have contacted XXXX many times through their email and leaving voice messages and no response and no fixing.
this is very frustrating and these people from the collection agency are rude and not helping.
Please help Thanks
|
| 02/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
For over 2 months this company, EOS CCA has called me in excess of 200 times looking for someone I don't know! I have repeatedly requested for them to remove my number! 1 week ago I received 30 calls from them in one day all from different numbers but the same woman asking for this person I don't know!
Today I received another call from a new number but the same woman stating " I know you know who we're looking for '' and when I again stated I do not know that person she said " we will continue to call until I get to speak to her ''!
This is harassment plain and simple! I have no collection accounts, all my bills are current, why is this happening?
|
| 11/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been attempting to QUICKLY resolve this matter for months. I have been sending certified letters requesting validation of this account to XXXX XXXX and XXXX. To which I have only received billing statements and not proof of any contractual obligation binding me to this debt. Despite not providing me with competent evidence that I have a legal obligation to this debt the have continued to report inaccurate information and damage my credit. I have even sent them proof of the SIGNED contract I had with them that ended XX/XX/2015. I do not owe them this XXXX bill they keep sending me as I paid everything owed when the contract ended in XX/XX/2015.
|
| 12/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2021 I sent XXXX letter informing XXXX there are unauthorized and unverified accounts on my credit which are affecting my insurance rates and if can pleases remove immediately without be able to verify any accounts. It also shows the account debt was paid which also was NOT me. I gave it 30 days and still no response, so then XX/XX/XXXX I sent a letter demanding to comply and that I will take further actions if do not fix the problem. I know its law to at least get acknowledged or updated on investigation about inaccurate accounts with 30 days. I still have yet to get a response. So please help me get this removed as it is affecting my rates.
|
| 09/06/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been in dispute with EOS for some time now concerning my old phone bill through XXXX XXXX. I have spoken with agents there and even handwritten a letter disputing the amount owed. I spoke with EOS then XXXX who referred me back to the on the incorrect final balance owed. They told me I would gear back within 30 days of my handwritten letter but it has been over a month and no response. I've reached out to XXXX and established a new account and they consider the matter resolved. The amount in question being owed is inaccurate as well as the time when the account was open as well. This company is damaging my credit with this erroneous account.
|
| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
EOS is reporting an erroneous debt on my credit file. I recently checked my credit file and noticed this debt was reporting on my credit. I immediately called and settled this debt with them. I had no idea that this was on my credit, I never received any calls or notices about this. This violates my 30 day right to disputes under the FCRA. I ask that you delete this account from my credit file. I am also aware while this account is under investigation all collection activity must cease. If you continue to report false information on my credit file, it could constitute fraud under both federal and state laws. Please remove this from my credit file.
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I sent a challenge letter XX/XX/2019 to XXXX about an incorrect account on my credit report. I ask XXXX to investigate the account serval times only to get back that the account is verified or accurate. There's no way the account is accurate or verified. I never received a proper investigation from XXXX. The service address for this account is a place I've never lived or authorized service too. This account is not mines!
I mailed at least 3-4 times about this matter and I called yesterday and was told there's nothing they can do if the data furnisher deems it accurate? I've never received any proof or letter proving this account as accurate.
|
| 12/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This was charged off in 1997, it keeps getting bought again and this starts ... it was originally a truck repossesed from me and not for late payments. I was repossesed because they said I might move back to alaska. They would not let me even get my wallet or anything. Even so this should be long gone it is XXXX years old. This is atleast the XXXX outfit to try this ... this was an original shady deal, i owed under XXXX and was making my payments. I had XXXX small kids at the time and have after talking to original lender, decided not to ever pay it. By the same token they cant call all the rest of my life ... 7 years .... that has come and gone!
|
| 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 |
|
|
EOS CCA continuously keeps reporting invalid information on my credit report. I've been disputing the inaccuracy of this debt and it's reporting and they continue verifying false information without actually validating the debt.
This company is acting in bad faith. I've never done business with them or XXXX. Please request that this agency provides proof that this debt actually belongs to me, by adhering to The Fair Credit Reporting Act Sections 609 and 611 and providing the original contract bearing my signature, DOB, or SSN.
This can't be done because I've never done business with them.
The account in question is EOS CCA- Account # XXXX.
|
| 10/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items your agency didn't make sure it was reporting 100 % correct.
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
I am a victim of identity theft. The fraudulent information information listed below is showing on my credit file but is not mine. Please remove the fraudulent information immediately from my file.
|
| 01/09/2019 |
No |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
Older American |
|
I was owed a refund. Check was sent to an old address. By the time I got it, it was no good ( bounced ). I wrote a letter to the company XX/XX/2018 with my new address requesting another check. They said they sent it ( to the wrong address again ). Eventually i went to the XXXX XXXX XXXX of XXXX. The repeatedly said they sent one but didn't. This time they said they sent it XXXX to my current address over a week ago ( so they lied again ) but said " the CFPB now has the funds '' and I need to contact you!
XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX , XXXX, MA XXXX XXXX {$170.00} owed to XXXX XXXX by XXXX XXXX XXXX XXXX. XXXX Case # : XXXX.
|
| 07/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
this 3rd party company did not validate this information with whomever is reporting this information about me and provide full documentation associated with this including my signature that contractually binds me to this account. as asked in previous disputes to the cb they have yet to provide the information that i have asked for under my rights of the fcra they have not verified anything only harassing me by phone and mail to collect a debt that i have no knowledge of and i have no idea how this company got my personal information i have sent letters to the CBs requesting validation which was received all by certified mail return receipts.
|
| 06/12/2020 |
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 already reached out to the credit bureaus and EOS CCA and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
|
| 08/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I filed for my 2012 taxes in the state of Rhode Island where I lived and Mass Department of Revenue had bad reporting by the payroll company who did work for my company. They allocated XXXX in income to Mass. I never lived in MA at the time. Therefore, they want me to pay a full years tax in MA. I am working on getting it corrected with the Payroll company so my tax atty can resubmit and get a reimbursement from MA instead of me paying in. I signed and submitted to EOS CCA and Mass DOR a Power of Atty. I sent it three times, they keep contacting me and not trying to resolve. Now they are saying they will garnish my wages in communications.
|
| 10/16/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
In 2018, Collecto, Inc. d/b/a EOS CCA attempted to collect debt on on debt that is unenforceable, especially one that was originally at the about of about {$1500.00}. They were notified that XXXX XXXX Bank did not tell them the truth and they were told that I am contesting the the amounts. I am also contesting the fact that I am a XXXX veteran and they tried to transfer my debt to a third party, which I commanded not to communicate with me, which was after I commanded Collecto, Inc. to not communicate with me in any form, which they illegally disobeyed me. They dared to do this to a US Veteran suffering from XXXX, acquired in XXXX, XXXX.
|
| 05/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
This complaint is in regards to a debt that has been placed on my XXXX credit report. I have sent letters to EOD CCA at XXXX XXXX XXXX., XXXX, MA XXXX lasking them to provide me with a copy of a SIGNED copy of a contract exclusively between me, XXXX XXXX, and EOD CCA, stating a contract for repayment. This debt was originally held by XXXX XXXX. To this day, I still have not received these documents. Every time I request this documentation, they send me a statement. I have sent letters to this company on the following dates : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 And XX/XX/2019. I still have not received a response.
|
| 10/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received an odd notification from my credit monitoring company stating that EOS CCA reported a collection. I'm upset because EOS CCA is reporting incorrect information on my credit report. Before they falsely reported on my credit report, I never received a letter or a phone call from them. I sent them a debt validation letter last month, but I never received a response. My credit report shows that this account has been open since XX/XX/2016, but I had no collections on my report prior to that date. Also, since reporting in collection, the collection amount has increased. On my credit report, EOS CCA is falsely reporting a collection.
|
| 05/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have received A notice of past due account from EOS CCA Dealing with a loan I supposedly received at the XXXX XXXX XXXX. All of my student loans incurred at the XXXX XXXX XXXX have been discharged due to my full and complete Veteran 's XXXX, and the amounts they are specifying that I " received '' in the letter, I never have and have no knowledge of such transactions with this company, nor the referenced company XXXX XXXX. This is a severe case of identity fraud, it can be no other option.
I want this false account not only dissolved but removed from any and all credit bureaus IMMEDIATELY, or they will face severe civil legal action.
|
| 03/13/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello, this company is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/XXXX. However, they are reporting 2 separate dates, XX/XX/XXXX and XX/XX/XXXX. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. Its damaging my credit.
|
| 05/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Received letter stating I owe {$75.00} dollars to XXXX XXXX Hospital in XXXX XXXX, Ca.
Date is showing XX/XX/2016 This is a first for me. This account is now assigned to U.S Asset Management by Eos CCA. all ownership rights have been sold.Wi I need some proof. I have proof for this date they are claiming.
I do not need this type of stress for {$75.00} dollars.
I am on Social Security also recovering from XXXX XXXX XXXX.
I do not need this company ruining my credit or making numberous calls.
The letter I am enclosing does not state the legal saying Attempt to collect a debt etc. Is this a violation of my rights under the policy.
|
| 09/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debt collection company just recently inserted a debt for {$290.00} for creditor XXXX under account number XXXX. I have cut and pasted my original dispute with this creditor from 10 months ago. I have no knowledge of debt/fraud. The original creditor should have notated this in the records or the collection agency by accident listed this account on my reports.
XXXX XXXX, XXXX Completed XXXX Reported on XXXX XXXX, XXXX {$290.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report.
Dispute Reason Ownership : This account was fraudulently opened by someone who stole my identity.
|
| 08/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
EOS CCA XXXX Phone number ( XXXX ) XXXXThis company is trying to collect a debt from XXXX XXXX XXXX social security number XXXX address XXXX they have reported this on my credit report. I am not and never have been XXXX XXXX XXXX. How the hell can these XXXX report someone else on my credit report? The name, address, and social security number are completely different. I just got XXXX to correct this and now the dishonest XXXX are reporting it to XXXX XXXX. I have spoken to XXXX at length on this issue and I do not have any outstanding debts with them.
If sticking other peoples debts on my credit report is n't illegal it should be
|
| 03/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a mail regarding {$36.00} debt from US Asset Management Inc with original creditor XXXX. The recipient of the letter is not exactly my name, but has my first and last name switched. I currently have an active XXXX account with recurrent auto monthly payments. I do not own the debt as my XXXX account has XXXX balance. The mail looks freud or error to me as a company does not send outstanding balance to debt collector when there is an active account in good standing. In addition, the debt is not under my name and should not be mailed to my address. I called the company but could not reach a person after multiple attempts.
|
| 12/25/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Starting on XXXX we began receiving automated calls from EOS-CCA instructing us to call them regarding an outstanding debt. No details were provided in the call, only an XXXX number to call. We have not received any alternate communication with details of the claimed debt. The calls were at least daily until recently when the frequency of calls has fallen to around one per week. Our home number is listed with the FTC Do-not-call list and I do not believe we have any pre-existing business relationship with EOS-CCA.
From a review of our credit reporting it does not appear EOS-CCA has reported this debt any of the credit agencies.
|
| 10/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On or about XX/XX/XXXX I received communication via USPS concerning a debt for account XXXX. Under the Fair Debt Collection Practices Act I have 30 days to ask for you to verify a debt. XX/XX/XXXX I sent a certified letter requesting that you verify the debt which was received by your office of XX/XX/XXXX. As of XXXX XX/XX/XXXX the debt was never verified. Because EOS CCA could not verify the debt they can not legally continue collection practices but this hasn't stopped them. On XX/XX/XXXX two years latter I received another letter from EOS CCA trying to collect on the exact same alleged debt. They are in violation of the FDCPA
|
| 08/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The company that had my debt for XXXX is EOS CCA. I paid the amount of {$1100.00} on XX/XX/2018. When I paid the amount agreed upon. I asked the representative if the account would be removed from my credit report and was told yes by the representative. It has been 150 days and they have not removed the account from XXXX XXXX or XXXX. I called EOS CCA on Friday XX/XX/2018 and again on Wednesday XX/XX/2018 to resolve this. I was told that they would not remove it, and I informed them that they werent in compliance with the fair consumer reporting act. I then notified them that I would be reporting them to the consumer commission.
|
| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Account was closed in XX/XX/2019 and then new account was opened by XXXX.
I paid debt in full prior to this. I repeatedly told the representative to not close account because I didnt not have issue with my current contract. The representative insisted it was in good standing and paid in full. By opening a new account without my consent this inherited a debt that I was fraudulently charged for. Ive asked numerous times for phone transcripts and either I get hung up on or denied information. I am requesting phone transcripts and detailed information concerning this account legally how can they refuse but yet still demand money?!
|
| 10/22/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
EOS CCA ( XXXX XXXX XXXX, XXXX, MA, XXXX ) is trying to collect {$220.00} from XXXX.
History with XXXX XXXX I cancelled service with XXXX XXXX in XXXX of 2018. I used their prepaid label to mail back the modem. I confirmed my account was closed and had no further payments. I received a disconnection confirmation number. I never received another bill from XXXX XXXX. 2 years later, I received creditor letters saying I owe {$220.00} to XXXX XXXX. The mail is coming from EOS CCA. XXXX has confirmed with me multiple times that I do not owe anything. I have recorded conversations and emails. EOS CCA is a fraudulent debt collector.
|
| 08/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
After been disputing wrong information on my credit report for about a year, a lot of the accounts that were not mine were removed from my credit report, but, no too long ago I received a collection letter from XXXX XXXX XXXX trying to collect on behalf of XXXX, one of the accounts that were included on my identity theft package, after disputing via CFPB, they removed the account, unfortunately, just a few days ago, after checking my credit report, I found out that a new collection ( EOS CCA XXXX came up collecting on the same account.
Attached is my Affidavit of Identity theft package submitted via CFPB for your reference.
|
| 01/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 02/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Hello, I owe {$130.00} to XXXX. I told the collection company that I don't have the money because I am on XXXX leave. They call me numerous times a day, and if I was on leave in the XXXX why would I have the money in the XXXX. They are harassing me, and I have told them numerous times that I would pay when I could. I have the list of calls they make all hours of the day and I find it so unnecessary. They are very rude! I have the log in my phone of all the calls they make daily. If I had the money, I would pay it just to get them to leave me alone, but I don't go back to work until XX/XX/XXXX. The company is called EOS CCA.
|
| 02/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
EOS CCA is harassing me and engaging in unlawful collection practices. This debt is being sold to many different companies after I have told the original debt holder almost 10 years ago that this debt was not mine. The current debt holder has falsified the records to make it appear that the debt is 6 years old when it is older. I also told this debt collector that this debt was not mine and to cease and desist all contact in writing and EOS CCA has not complied. This must stop.
EOS CCA CORPORATE HEADQUARTERS XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Managing Directors XXXX XXXX XXXX ( CEO )
|
| 02/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
We are receiving daily robotic phone calls from XXXX from " XXXX XXXX XXXX XXXX XXXX XXXX ''. The message claims they are a debit collector and asks us to call back to resolve an unpaid debit. We have called back, and the phone call is answered by a telemarketer trying to phish for information they do not have ( who is calling, social security numbers, bank account numbers, etc. ). We refused to engage in the phishing and asked that the calls stop. Nevertheless, the calls continue.
They do have an online website : XXXX XXXX XXXX This website has a " payments '' page referencing the above phone number.
XXXX XXXX XXXX
|
| 12/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018, I sent verification letter to EOS CCA regarding debt collection. On, XX/XX/2018, they sent me part of a bill and a letter stating that they validated the debt. They did not send the information as I requested. On XX/XX/2018, I sent another certified letter requesting validation. On XX/XX/18, they sent me a settlement letter. I then sent all information to XXXX on XX/XX/18. One week letter XXXX sent me a letter stating that they verified the debt. On XX/XX/18, I sent a method of verification letter back to XXXX who has not responded. I don't understand why I can not get the documentation as requested.
|
| 07/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. I recently received an updated copy of my credit report and found the following collection account that does not belong to me. The collection account is EOS CCA and the original creditor is XXXX. I previously submitted identity theft documentation to XXXX including a copy of the police report and the FTC identity theft report. XXXX responded apologizing for opening the account and told me they would cease the collection efforts. Copies of the police report and FTC identity theft report have been forward to all three credit bureaus and the CFPB has a copies for their records as well.
|
| 09/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I've disputed this debt collector 's charge of 1., I never opened an account with this debt collector on XX/XX/2018, 2. I already have the original creditor XXXX on my credit report for the same amount. 3. This XXXX failed to validate ownership by bill of sale. This debt collector is placing false information on my creditor report.
Account Details Last Reported XX/XX/2018 Collection Agency EOS CCA Original Creditor 10 XXXX Status Open Opened Date XX/XX/2018 Closed Date -- Responsibility Individual Balance {$1700.00} High Balance {$1700.00} Remarks Account information disputed by consumer, meets FCRA requirements
|
| 12/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. There are XXXX accounts just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company.
|
| 09/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
After being denied a mortgage loan, I found out that EOS CCA ( collection agency ) was reporting on my credit report that I owed them {$620.00} for an unpaid cell phone account with XXXX XXXX XXXX XXXX. This is definitely a case of mistaken identity. To prove it I mailed EOS CCA a certified letter requesting validation of the debt. They failed to validate the debt, by simply sending another bill as validation. Also, the bill had an address on it that did not belong to me. I called XXXX/XXXX/16 to see if the account was going to be remove from my credit report, but was given the run around by a Manager name XXXX.
|
| 04/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
We had service with XXXX XXXX in the past but we cancelled this after our last term ended. We were never, EVER on auto renewal. Each time of renewal, it was done by phone and we CANCELLED this service by phone. Were fully paid and do not want this service and the service has been stopped for some time now. My wife has made multiple calls to stop this barrage of letters from XXXX and has either been left on hold or hung up on. XXXX is using harassing pressure to try and get us to pay a debt we simply do NOT owe and now your EOS CCA sent us a collection letter The collection stated {$50.00} and we don't owe this.
|
| 06/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
EOS CCA / XXXX XXXX XXXX XXXX has been sending me collection letters for around a year now alleging I owe them {$810.00}. I have sent them numerous letters requesting validation / verification of this supposed debt, starting XX/XX/XXXX up to XX/XX/XXXX. All my written requests sent to them were sent via certified mail with the USPS and I've verified delivery of each letter to them. They are also continually reporting this debt to the credit reporting reporting agencies against me, even though I've clearly disputed it with them. They have ignored every request for validation / verification I've sent thus far.
|
| 11/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I did a validation of debt with collection company EOS CCA that's reporting on my XXXX credit report. It shows I owe {$2100.00}, but i know nothing about this account and it does not belong to me. This EOS CCA company I've sent numerous validation of debt notices to this company and I still have not got a response. I ask for my original signature with the original creditor and original contract to show I owe this debt but I never received anything. I Know the fcra says the credit bureaus and collections compnaies have 30 days to respond and if they don't it has to be deleted from my experian credit report.
|
| 02/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This account was paid in full in XX/XX/XXXX, proof provided by a paid in full letter dated XX/XX/XXXX. A new account has been opened as of XX/XX/XXXX, after verification of the account being paid in full. The account was paid again in XX/XX/XXXX, after the company refused to acknowledge the account had been paid since XX/XX/XXXX. I was put back into collections without prior notice 2 weeks after opening the new account. Now the company is still reporting that I owe the balance that was paid in XX/XX/XXXX. This account needs to be reported as paid in full or it must be removed from my reports immediately.
|
| 06/25/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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I have recieved 3-4 calls a week since the beginning of the month at random times, anywhere from XXXX to XXXX. Upon answering the phone and saying hello no one answers, I can hear ringing and such in the background but after saying hello 2-3 times they just hang up. They just continue to do the same thing over and over again. I do n't know what company this is or what they are trying to collect from me. The only information that I have found is when I call them back they tell me that the company is EOS CCA. I refused to talk with them because of the random and harassing phone calls I have been receiving.
|
| 12/03/2017 |
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/17 my XXXX XXXX collection account balance was settled in full with EOS CCA, which should have been updated with the credit bureaus with a {$0.00} balance.
The XXXX reporting has been updated, but the XXXX and XXXX records are still reflecting a {$2500.00} balance owed. I contacted EOS to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XX/XX/XXXX, requesting the update ; however, no response or update has been received.
A copy of the account resolution from EOS CCA ( password XXXX ) and letters to XXXX ( local and national ) are attached.
|
| 10/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
My phone was turned on XXXX/XXXX/15. Starting on XXXX EOS CCA has called me every two days since then.After 6-7 calls I had let go to voicemail I finally answered ( XX/XX/XXXX or XX/XX/XXXX ) and they are looking for someone named XXXX -- I let them know he does not have this number and to cease calling. They continue to call.
Latest calls are a XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX at XXXX.
A couple of times when I have tried to ask them to remove my number from their data base, they ask if I am the debtor the are seeking, and the second I say no, I just get hung up on.
|
| 05/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have attempted to dispute the debt with the collector because it does not belong to me. The information on the account does not belong to me. The name on the account is not mine and the address on the account is not my residence. I disputed and provided supporting information and this item is still being confirm as belonging to me, with the credit companies. The Reps at this company after letting them know my information was stolen and that I was a victim of identity theft advised I still pay the debt, completely disregarding that none of the information on the account verified as belonging to me.
|
| 02/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 7 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.
|
| 07/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Roughly 7 years ago I changed my cable service from XXXX XXXX to another providor, We returned the equipment and had no charges against us. XXXX XXXX reported us on our credit report and I contacted them with proof that we sent their equipment back. XXXX XXXX removed the delinquint account from our report, Now, EOS CCA Has reported the debt to my credit report and the discription says the original creaditor is XXXX XXXX. I disputed this entry and it was not removed from my credit report, The ammount they are trying to collect is {$350.00}. I have no idea how to get this off of my credit report.
|
| 06/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XX/XX/XXXX - I called to obtain information on where to mail payments or how to pay online and requested they no longer contact me on my personal phone number and that they are unauthorized to contact my place of employment, friends or family about this debt moving forward. They kept putting me on hold, hanging up the phone on me, not confirming they will end phone calls. I spoke with manager XXXX, who would not provide me with his full name and said they will continue to call me. I stated by law once notified they have to end phone contact to which he kept avoiding acknowledgment of my request.
|
| 05/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This debt was obtained in a different county that i have never live in. I never had service with XXXX ( original creditor ) in 2012, which is when the service was disconnected as i was told by EOS CCA. I have never seen a bill for this debt ever! I only know about this debt because i had my credit checked to get a credit card through my bank. It is completely shocking to me that this EOS CCA can still say i owe this debt without even proving how i owe the debt. I was sent by EOS CCA saying they verified that it is my debt but never sent any information to back up their allegation of owing debt.
|
| 02/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I was recently made aware of a current lawsuit against a collection company known as EOS CCA located in XXXX, MA. They currently have an open account from XXXX XXXX XXXX as of XXXX XXXX, XXXX for a balance of {$220.00} established in XXXX. I have in the past disputed this account and then eventually paid it in XXXX. Of course that was with a different bank account I had back then with no proof of payment. I have yet to receive any communication from this collection company or an option to dispute. This continuously keeps attacking my credit. Any advice or help would be appreciated.
Thank you.
|
| 05/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I checked my credit report and found EOS CCA had been submitting a collection report saying I owe {$90.00} to XXXX XXXX bill.
I called them to ask what it was for, and they told me for XXXX XXXX bill from 2008 or so. I let them know I have not had XXXX, and I asked why they had n't ever contacted me. They said they tried to previously, but I 've never received a message from them or any letter saying they were attempting to reach me.
I requested verification of the debt from EOS CCA 3 months ago, and they still have not provided this. I called XXXX XXXX and they were not aware of this bill.
|
| 02/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
EOS CCA aka Collecto Inc, of XXXX XXXX XXXX XXXX, MA XXXX has illegally re-aged a debt that has been defaulted on and reported on my credit report ( by their own admission ) since XX/XX/2017. EOS CCA has illegally re-aged this debt on two separate occasions. Which on both separate occasions my credit score has decreased significantly.
I have also contacted XXXX for a copy of my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
Thank You
|
| 11/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
EOS CCA is ignoring instruction from XXXX to remove a collection account that has already been proven the result of identity theft. XXXX has proven that they have continuously notified EOS CCA since XX/XX/XXXX that my account has been established as fraud and to withdraw this collection. I have repeatedly called EOS CCA throughout this week, and they continually refuse to acknowledge that their CONSUMER RELATIONS DEPT. has any receipt of instruction from XXXX to close the account. EOS CCA continues to pursue my payment of a debt that I do not owe and has long ago been established as fraud.
|
| 10/28/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been contacted repeatedly by a collection agency, EOS CCA, saying that I owe student loan debt. I paid off all my student loan debt last year ( 2018 ) and confirmed this via the Department of Education as well as by checking my credit reports. This company is harassing me and my family, refuses to send me a copy of the supposed promissory note they say I signed, and refuses my claims that this is not my debt. I have provided them a statement to this affect both verbally and in writing. I've never heard of this agency before and believe this to be an attempt at fraudulent collection.
|
| 10/28/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been contacted repeatedly by a collection agency, EOS CCA, saying that I owe student loan debt. I paid off all my student loan debt last year ( 2018 ) and confirmed this via the Department of Education as well as by checking my credit reports. This company is harassing me and my family, refuses to send me a copy of the supposed promissory note they say I signed, and refuses my claims that this is not my debt. I have provided them a statement to this affect both verbally and in writing. I've never heard of this agency before and believe this to be an attempt at fraudulent collection.
|
| 11/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Contacted me with two repeat calls that I did not answer ( did not leave voicemail ).
I answered on the third call. Asked my name and tried to verify me using an incorrect social security number.
Would not state the nature of the call or type of company that it was for privacy reasons. Caller stated he was with EOS CCA.
Tried to indicate the address they had for me - which was not an address I have everhad, but IS an address close to my current location.
Would not provide any information about why he was calling or what the company was until I would provide social security number.
|
| 05/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
In 2008 I was a XXXX and a member of the XXXX in XXXX, CA. I cancelled my membership and returned their lock box equipment. I was not told of any additional charges and I did not expect any additional charges. I have disputed owing the {$88.00} they claim I owe for years. And, recently I viewed a copy of my credit report and see the {$88.00} is still on it. I called XXXX and they informed me that the {$88.00} is for cancelled membership dues ...! I should not have to pay them to cancel the membership and they continue to destroy my credit rating for {$88.00} that I should not have to pay.
|
| 12/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Months after I closed my XXXX account last XX/XX/2017, i started getting a {$60.00} bill from XXXX. The bill has no detail. It just says that I owe {$60.00}. They send me the bill by mail and email. I called and and they weren't able to find the account number listed on the bill. They weren't able to tell me anything about the {$60.00} charge. I responded to their email and they never wrote me back. I keep getting the bills every month. I called them a few more times. Same result. Now I'm getting notices from a bill collection agency. Instead of {$60.00}, they are asking for {$160.00}.
|
| 01/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
I was a client of XXXX XXXX XXXX XXXX XXXX XXXX I believe this was over ten years ago, I requested a final bill and when it came I called to make sure all was paid, Now after all this time I am receiving XXXX statements from a company called XXXX XXXX XXXX XXXX not just for XXXX bill but XXXX, XXXX for {$310.00} and XXXX for {$180.00}. they have been noticed that these bills if they ever excessed have been paid, but they wont stop billing and reporting negatives on my credit report. when I requested the remove it from my credit report I was told to pay up and they would report it paid.
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX/XXXX XXXX**** Balance : {$0.00} EOS CCA ( Original Creditor : XXXX XXXX ) XXXX**** Balance : {$920.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
|
| 07/24/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My original student loan was through XXXX XXXX, and it was for less than {$12000.00}. EOS CCA, has not tried to contact me via phone, I have never received any voicemails. I have recieved two physical letters asking for over payments of {$26000.00} or telling me there will be legal action. This has also been going on even though there was a federal law passed for student debt being cancelled for several months with also 0 % interest because of covid-19. I let them know that I want to work with them but the fact that they want over twice as much as the debt I owed is scary. I need help
|
| 04/20/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
EOS CCA called from XXXX. Asking for me to confirm its me I asked who it was and the agent gave me his name and then, he asked me to confirm my address which I responded by asking what was the reason for this call and he said a personal business matter. At which point I felt they were not identifying their selves appropriately and the purpose of their call and I then looked them up online and found out its a debt collection company but by law arent they required to tell me up front its an attempt to collect a debt. I also had not received any written communication about this matter.
|
| 03/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have received a collection from medical debt that disputed and deleted from my credit file. Now through another company this debt is trying to be resold or re-aged which is an illegal practice. The original holder was XXXX XXXX XXXX. The amounts and dates correctly corresponds with the same accounts that were deleted. Now this is a clear violation of the Fair credit reporting act. They either stop their illegal practice or face off in court for {$1000.00} for each account in small claims court. They didn't have copies of my HIPAA forms nor my signature. Which is another violation.
|
| 02/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against EOS CCA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
|
| 03/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A company named EOS CCA in XXXX falsified a debt in my name owed to XXXX ( my cellular phone provider ) which I already have an active account with them and pay monthly bill, if I owe them money they would suspend my account!? I filled a complaint for identity theft and they removed it from my XXXX credit report agency but they left it on the two other credit reporting agency ( XXXX XXXX and XXXX ) they must remove this fraudulent debt or I will take them to court. This company sent me fake debt to steal my money they must remove this collection debt from all credit report agencies
|
| 01/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have received at least 20 or more calls from this company called EOS. They refuse to identify why they are calling or what the purpose of their call is unless I provide PII. They only state that they provide private services. Upon googling the name of the company it appears to be debt collection service, but they have not identified this as the purpose of their call. I have tried on several occasions to tell them that I will not provide any private information unless they identify the purpose of the call in order to protect against this being a scam. They then end the phone call.
|
| 09/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A letter was forwarded to me from my previous address from 5 years ago by the current property owner. It is a letter from EOS CCA attempting to collect an alleged debt owed to XXXX. I am unaware of such an account. I have never done business with XXXX in my life. I've been with XXXX and XXXX for as long as I can remember. I have mailed them an FTC report in response to their letter. This account is not mine. I hereby request information/validation proof regarding this account and cease and desist collections otherwise I will have no choice but to file a legal action for damages.
|
| 01/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
The original bill was for {$89.00}. The late charges, fees, and collector fees has escalated this bill to {$440.00}. I called XXXX to ask if I could pay my bill on Friday, it was due on the Wed before. The girl I talked to said that it would be ok and she would mark it on my account. The next day my phone was turned off. I called to have it turned back on they said it would cost me XXXX plus the next month 's bill, costing me {$230.00}. It was never posted on my account that I called. I want to pay this bill, but I refuse to pay what I 'm being charged. I will pay a fair amount.
|
| 11/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Was called at XXXX XXXX on XXXX-2017 from number XXXX. My telephone number is a business number. Person named 'XXXX ' said he was from EOS CCA - but refused to identify who the company was, or what the call was about. I had to look them up online to find out it was a supposed collection agency. Also, the call did not indicate whether it was being recorded ( calls usually are ) or provide the required 'call being recorded ' statement. As he would not identify the reason for the call - or who EOS CCA was - I declined to confirm who he was speaking with, and then he hung up on me.
|
| 10/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A company by the name of " US Asset Management XXXX '' has been attempting to collect a debt from me that is not mine. They are saying that I owe them a balance of {$290.00} but are telling me that I can settle the amount by paying them {$180.00}. The original creditor was " XXXX ''. I have never done business with either of these creditors. They need to delete this information off of my report immediately. I have already spoken with a representative by the name of " XXXX '' and " XXXX '' at " US Asset Management XXXX ''. This creditor is on my XXXX XXXX '' credit report.
|
| 08/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This started in XX/XX/XXXX not XX/XX/XXXX as reported on credit. I cancelled the XXXX service within the 30 day trial period but XXXX did not close the account until after the period and then wanted to collect. This was in XX/XX/XXXX. The debt has been sold to a debt collection agency and they filed on my credit report in XX/XX/XXXX. I do not owe the money and at worst it should show original date of XX/XX/XXXX and be coming off report soon. Every time another debt collection agency buys the debt, the file date changes. This could last forever for a debt I do not owe.
|
| 09/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I Would like to make a complaint against XXXX XXXX and EOS CCA Because I never had this service XXXX said on XX/XX/2021 I owe {$2300.00} this is not true and I have tried to reach out to XXXX for over the last year I spoke to a customer service lady and she could not connect me too the right person to speak to about this matter although customer service said that this account Had Been sent to collection And no one in that office there could help me I tried to explain that I never had XXXX and would like to resolve this matter but I was told they could not help me.
|
| 03/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I receive 5-6 calls a day from this company stating I owe a debt from an XXXX wireless phone bill. I have told multiple people that I do not owe this bill. I settled the account And paid it off in XX/XX/2012. I have asked this company to send me a formal letter so that I can respond with proof I paid this off. I received a copy of a random bill with nothing else stating they were collecting on this debt. I have called multiple times and ask that they mark this account as a dispute. I have provided proof this was paid in XXXX so 5 calls a day is a little excessive.
|
| 01/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XX/XX/2017, I received an email from this business. They claim that I owe them a debt for XXXX XXXX. They also claim to have my permission to contact me. This company also attempted to contact me by phone on XX/XX/2017. According to the fair debt collection act : 1. It is illegal for a debt collection agency to contact a consumer, unless it is between the hours of XXXX to XXXX. Since I was contacted on a Sunday, this company has broken federal law. 2. Once a debt has been discharged, it is illegal for a debt collection agency to attempt further debt collection.
|
| 04/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Before leaving XXXX, VA per my military order to XXXX, XXXX on XX/XX/2014, I personally and physically stopped by a XXXX Authorized store on XXXX, to present my military order and to deactivate my wireless services by XX/XX/2014. The answer I got at that time from XXXX that my wireless services will be put on " HOLD, '' until I come back XXXX, without any penalty nor charges.
However, I sadly saw a collection account on my credit report under EOS CCA with a balance of {$990.00}.
I am an XXXX XXXX XXXX XXXX, XXXX in XXXX, so the best communication is via email.
|
| 07/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020 ... EOS CCA a collection agency placed a be [ ad debt that they claim I owe in my credit reports. I never received written notice regarding this debt from this agency, no even a phone call. I am not responsible for this alleged debt.
I was never given the opportunity to respond to this, they just placed the information without verification on my profile. Pursuant to the Fair Credit Report Act, the Fair Debt Collections Practices Act and the Fair Credit Billing Act I have a legal right as a consumer to be able to dispute a debt once I am notified.
|
| 11/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the EOS CCA with a Balance of {$83.00} still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
|
| 10/01/2018 |
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 |
|
XXXX XXXX, sent an amount of {$220.00} to EOS CCA XXXX. XXXX XXXX XXXX Ma. XXXX, They are a collection agency. this amount they say I owe was a company acct. for my company cell phone. I quit working for this company in 2013, but XXXX turned this amount over to the collection company in my name instead of contacting the company that the cell phone acct was linked to. I have been trying for over 5 years now to get this off my credit report, I have the company name address and a contact person, I gave to EOS CCA, But they never contacted anyone other than me.
|
| 03/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018 I receive a phone call from XXXX @ approximately XXXX XXXX eastern time I was misled collector refused to identify the company. I ask who was calling the collector refused to answer he just kept asking me to verify my last 4 numbers of my social so I refused. I ask what was the call pertaining to, his reply just verify the last 4 numbers to your social, I refused to answer once again he took me out of character that I started cursing at him and he hung. I wasn't even read the mini Miranda that they so call suppose to do when a debtor answers.
|
| 11/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XXXX XXXXXXXX XXXX, I received an alert from the credit monitoring site showing that I have a collection with XXXX which was included in my bankruptcy. At first it showed included in bankruptcy but now it has that it's a collection. I filed bankruptcy on XX/XX/XXXX and it was discharged in XXXX XXXXXXXX XXXX XXXX was one of the companies that I put in the bankruptcy. My bankruptcy case number is XXXX. This is the second time this has happened. I never received any type of correspondence from the collection agency to dispute the validity of this debt.
|
| 09/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
|
| 12/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a " Notice of Collection Placement '' from EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ) for a XXXX XXXX account. The statement date is XX/XX/2018. The amount due is {$1100.00} ( {$1000.00} of principal and {$100.00} coll. costs ).
I do not have XXXX XXXX account. I have never had a XXXX XXXX account. XXXX XXXX has never contacted me in regards to any debt I have with them.
I contacted XXXX XXXX today ( XX/XX/2018 ) and they verbally confirmed that I do not have an account with them. They searched by name and account number, and found nothing.
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| 11/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
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The last call took place on Thursday XX/XX/17 but they call at least once per week. The company is listed as EOS CCA ( https : //www.eos-cca.com/ ) and their phone number is listed as XXXX. I am not sure what they are calling about as they call during the day when no one is home. I had planned on reaching out to them on Monday ( XX/XX/17 ) to find out what is going on as we should not have any debt remaining. After XXXX their number, I found out several sites that mention them as scam callers. I would just like to get this matter resolved. Please advise.
|
| 07/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
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Web |
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There is an address on my credit report that is incorrect. I never lived at that address. I never applyed for anything using that address. I have no idea where that address is located. How I found out about that address was thru a debt. collection company calling me, trying to collect on a XXXX XXXX XXXX bill. I have never opened or appled for cable, or any other services that XXXX XXXX provides. The address on my credit report is XXXX XXXX XXXX XXXX Ca.XXXX. Address ID. # XXXX I have never in my life lived in XXXX Ca . or recieved mail at this address.
|
| 05/11/2021 |
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
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|
Web |
|
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EOS CCA is reporting wrong information on my credit report This company is Re-aging my account Version # XXXX which is reporting date XXXX which is wrong well as payment History, they reporting {$1100.00} which is wrong my account is {$890.00} my Delinquent was XX/XX/XXXX as you will see in my copy of the Document which XXXX sent me they are reporting wrong information I sent them letters after letters even called them about this wrong information they reporting on me they told me Its accurate as you see its not here is my Original bill Account Summary
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| 06/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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This account with XXXX is not mine. I was trying to apply for a home loan and it came up on my credit report. I've tried to explain this to them and they said they'd do an investigation and it is still reporting. I have had my phone service with XXXX the past 15 years!!! and i've had the same phone number the past 10 years. On the credit report it shows that the account with XXXX was opened in 2018. I know my name is very common and this is a huge mistake. I need this removed. I will be filing a police report once the police station allows me to go in.
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| 01/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
|
Apparently XXXX says I owe them a vast amount of money that they transferred to XXXX which is the collection agency. Ive disputed this is XXXX multiple times and XXXX. It disappears from the credit report and after some time reappears dragging my credit score down almost XXXX points every time it happens. They cant provide me with anymore info other than the info they have is accurate. I currently have XXXX as well so theres no way I can owe them a balance and have service at the same time. The account XXXX is saying I owe this balance on is not mine.
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| 02/07/2018 |
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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The company is EOS CCA. I originally disputed an account for XXXX XXXX and it was removed from my credit correctly. EOS bought up the account in XXXX, XXXX.
Ive never heard of them, Ive never received a phone call, Ive never received a letter, statement or anything from this company. My address was on mail forwarding so there is no way they couldnt have gotten a letter to me. I was never given the chance to dispute this before it was added to my credit in XX/XX/XXXX
Ive attempted to call them but theyre either closed or never answer their phones.
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| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
|
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I have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.
|
| 06/12/2018 |
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 sent a certified letter on XX/XX/XXXX it was signed for on XX/XX/XXXX, requesting validation of debt owed, and my signature, or they needed to delete the debt from my credit reports. All they sent back that was dated on XX/XX/XXXX was a letter stating the debt was valid, and a statement that was dated back in XX/XX/XXXX for the Seller- XXXX XXXX MerchantXXXX XXXX Since they also marked the account disputed and never sent me actual validation, and they can not prove this is my debt, this is a violation of the FCRA & FDCPA, so they must delete it.
|
| 06/02/2016 |
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/16 I filed a dispute with XXXX and they reported that EOS-CCA verified this XXXX XXXX XXXX XXXX debt. Collector was never able to provide debt validation despite several attempts via USPS to retrieve said validation. The continue to verify with the credit reporting agency with no regard for the FCRA and FDCPA.
On XXXX/XXXX/16 i sent a letter to the CEO of the company regarding their continued verification of a credit reporting agency despite their inability to VALIDATE the debt. No response and they continue to report on my credit.
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), EOS CCA ( Original Creditor : XXXX XXXX ), and XXXX XXXX ( Original Creditor : 06 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), EOS CCA ( Original Creditor : 10 XXXX ), and XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
|
| 02/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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I have never received any paperwork from EOS CCA identifying who they are, what they are collecting for, or why! I have never heard of them, but they are on my credit report! I've disputed the account multiple times with the credit bureaus and EOS CCA and I have been told by the bureaus that it's been verified by EOS CCA! HOW? The only way I've ever gained any information is from an auto dialed call to my work, they did not say they were debt collectors or what their business was! I only recognized the name of the company from my credit reports.
|
| 10/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
|
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XX/XX/2021 at XXXX I have been repeatedly been called about someone named XXXX XXXX over the last 15 years. I am not XXXX XXXX I am XXXX XXXX and this has been my number for over 15 years. I do not have collectors calling me because I pay my bills. I want this to stop once and for all. I called this morning and was told they would remove my number as usual. This has been told to me in the past and it has not stopped. XXXX told me the company was EOCCA and would not give me any more information. The number that called this time is ( XXXX ) XXXX.
|
| 03/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Debt collection company EOS CCA called my work line hundreds of times over the course of the past several months at all hours of the day. Each time a robo coller with no person on the line would call then hang up from dozens of different numbers. When I called to tell them to stop they would not respond. When I blocked their phone number they would use a different phone number, This effected my business and has cost me thousands of dollars in damages. ( Since I won't answer unrecognized numbers we have lost many prospective sales as a result. )
|
| 12/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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On XX/XX/2020, EOS CCA add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA EOS CCA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 10/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have received several calls from XXXX in an attempt to collect a debt. I have pulled my credit report and there are no accounts in collections. They keep calling from different phone numbers. The calls begin around XXXX AM and I receive several calls throughout the day. I have nothing in collections and all of my accounts are in excellent standing. I have worked so hard to improve my credit and I pay all bills on time always.
I looked at the complaints on the XX/XX/XXXXwebsite and there are hundreds of complaints that are similar to mine.
|
| 10/16/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I received a collection notice of {$390.00} from XXXX XXXX. I called XXXX and the account number provided on the notice is not XXXX and I was told to call XXXX XXXX. I called XXXX XXXX and the account they pulled up shows a balance of {$55.00}. The account is currently in dispute as account was opened fraudulently. XXXX stated there has been no activity on the account nor has ever had a balance other than the {$55.00}, so I am not sure where EOS CCA is coming up with their balance of {$390.00} because it is completely incorrect and not owed!
|
| 10/03/2016 |
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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EOS CCA is attempting to collect a debt that they purchased from XXXX XXXX XXXX in 2012. I 've disputed this bill twice through XXXX. I assert this is not my bill. They also do not recognize this as a violation of the state of Louisiana statute of limitations on phone service collection of 3 years. They assert that this falls under the 10 year contract statute. I 've contacted XXXX and they do not have a contract with my signature. I would like EOS CCA to cease and desist and remove this collection attempt from all credit reporting agencies.
|
| 06/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
|
was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
|
| 12/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
This is not a debt I owe. This is money owed to me from a debt collection agency.
On XX/XX/2018 I sent a letter to XXXX XXXX of XXXX ( XXXX XXXX, DBA EOS XXXX,XXXX XXXX XXXX , XXXX , MA XXXX-XXXX ). They had sent me a refund check for {$170.00} that bounced. I requested a replacement. Months later I contacted the XXXX XXXX XXXX of XXXX. Complaint was closed then re-opened several times. Still no refund.
I understand this is a small amount, but it means a lot to me. This company is not accredited by the XXXX and has been lawsuits pending.
|
| 08/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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I owed some money to XXXX back in 2017. They sent my account to a collection agency ( XXXX XXXX ). The latter contacted me and I paid them and the cases was settled and closed. After two years, EOS CCA ( another collection agency ) reported to XXXX that I owed them {$59.00}. I explained to them that I paid XXXX XXXX and the case was settled and closed but in vain. This company has been doing to a lot of people as I read online. I have a bank statement showing I paid XXXX XXXX. By the way this company is out of business as I checked online.
|
| 10/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX has called me multiple times a day for 3+ weeks - they leave a voicemail that they are a debt collector and I need to call them back. They leave no details about my debt, nor have they provided a validation notice. I do not have, nor have I ever had debt that needs to be collected. I verified this on my credit report.
I never answer and I never call back because I know that encourages scammers knowing that I am responsive. I do n't know how to stop the calls and they are causing me significant stress.
Their number : XXXX
|
| 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
- Investigation took more than 30 days
|
|
Web |
|
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I made a dispute with XXXX and XXXX reference to this debt collector EOS CCA who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).
|
| 07/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/2021 I received a collection notice for {$410.00} from EOS CCA for a XXXX XXXX account. A settlement was reached for a payment of {$310.00} which was paid on XX/XX/2021. However Im receiving phone calls and letters from XXXX XXXX XXXX XXXX trying to collect the remaining {$100.00} XXXX. Ive explained to them on several occasions that a debt settlement amount was offered by EOS CCA for {$310.00} to close the account and had been paid. However XXXX XXXX XXXX. continue to harass me stating that I still owe the remaining balance
|
| 06/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
After reviewing my credit file I noticed that EOS is reporting a paid medical bill however I have found out that this utility bill is a result of identity theft. I have enclosed my FTC Identity Theft Report, police report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.
I appreciate your prompt attention to this matter, and await your reply.
|
| 08/09/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I had an outstanding medical debt with a local hospital. I did n't pay it off in time and it went to a debt collector. They proceeded to file a debt collection lawsuit against me however they misspelled my name wrong in the court documents and then they said they served me however I have proof via my gps watch that I was n't near the place they served me. They stated I owed over {$1400.00} to them however the legal documents only state they are trying to collect {$600.00}. I am disputing the fact that I owe more then the {$600.00}.
|
| 05/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Prior to XX/XX/2019, I cancelled our XXXX account, this was over the phone. I was about to have surgery & knew that I would be at home recuperating for an extended time & wanted to have more choices along with Internet. We paid the final bill off & thought all was O.K. A month or so later we received another bill & thought maybe we had not received a final bill. we paid it & now we are receiving another bill.
We have spoken with them numerous times with multiple representatives, and have been assured that this would be corrected.
|
| 04/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Yes this collection agency EOS is collecting a debt from XXXX saying I owe XXXX I have ask numerous times to provide me With contract saying I signed for this my valid documentation where I approved to used XXXX signed contract I been receiving mail harassing telephone calls ask to cease all communication levels still no validation on this debt please remove this debt as this debt is not valid and I am a victim of identity theft and this is included on the day my identity was taken so remove this debt under the us code 1681c-2.
|
| 03/31/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
THIS IS NOT MY DEBT!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
|
| 05/10/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have sent certified return receipt mail to this collection company " EOS CCA '' to validate this debt. they have not yet validated the debt in over 6 months a default letter was also sent to the company, and still no response. I have also sent a dispute letter to all credit bureaus regarding this matter. XXXX and XXXX have removed this from my report. Although, XXXX has not removed it. They have stated that the account was verified. It seems to me this collection company has violated the Fair Debt Collection Practices Act.
|
| 08/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
After agreeing on a settlement, satisfied my end of the agreement. I returned the requested equipment to XXXX for the debt, and called XXXX and provided a receipt number. A couple weeks later, I called to get a letter saying I paid the debt, but they said they did not get a receipt number and I still owe money. They would not bother to look up the earlier notes, and said I have to dispute the debt. After making the agreements, they are refusing to honor their side. It still remains on my credit score with the balance on full.
|
| 10/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/18, I received a letter dated XX/XX/18, amount owed of {$820.00} of time-barred debt & current creditor of XXXX XXXX XXXX XXXX.
The debt is not mine.
There is a XXXX numeral after my last name. They are attempting to collect debt on someone who shares the same name as me. It appears that the letter indicates that it will negatively affect my credit report.
I responded with a certified letter, return receipt requested, instructing the company to stop contacting me and disassociate me from the debt on XX/XX/18.
|
| 11/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report in 30 days.
|
| 10/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/ XXXX a collection was added to my credit report in the amt of {$330.00} with a collection agency EOS CA, which dropped my score 100 points. On XXXX XXXX, XXXX, I reached out to the company to see if I owe a debt and what company is saying that I do. Both representatives could not verify an account with me providing my full name and social security number. The last representative XXXX XXXX. ( she could only provide me with the last name initial ) is the individual who stated there was no account in their office.
|
| 11/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to report a account that is not mine to the credit reporting agencies. I have disputed this and asked for proof this belongs to me and they will not provide me proof. This is not my account and I actually have a current time warner account which is not the account number this creditor is trying to collect on. I do not know who this account belongs to and this needs to be removed. I can provide my current time warner account bill if needed which is in no way associated with this fraudulent account.
|
| 03/09/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I spoke with EOS collection company today regarding a collection for XXXX XXXX. I spoke with XXXX wireless multiple times prior to be sent to collections as well. When I cancelled our XXXX XXXX, they continued to charge for service, so when I got our final bill I spoke with them to have them correct it. They agreed to correct the amount because it was in fact incorrect. However, we were sent to collections prior to XXXX correcting the issue. They are trying to collect {$4800.00} when the bill is less than half of that.
|
| 11/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Never received any notice of this bill until it appeared on my credit. I don't have gas service to my home. Once disputed, still didn't receive validation just a letter with the balance on it. They continue to call my job and I never authorized anyone to contact me at work. They call my mobile phone as well. When I answer, it's a robocall and no one responds. When you call them, you are put on terminal hold waiting for a rep to answer. I want this removed from my credit report immediately as I do not owe them anything.
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I keep receiving letters concerning a debt to original creditor XXXX XXXX XXXX XXXX. I have NEVER had a cell phone in my name. EVER. I tried to call EOS/CCA, US Asset Management to resolve this. All they did was try to phish more info out of me and demand I pay. When I asked to prove the debt, the agent said they did n't have to and when I refused to pay the {$470.00} offer in payment for a debt of {$940.00}, she hung up on me. I think they are sending out letters to try to get suckers to pay debts that are n't theirs.
|
| 04/11/2015 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
Servicemember |
|
I received a negative collection on my Experian credit report for the company EOS CCA. It shows the original creditor to be XXXX. I do not have nor have I ever had any delinquent accounts with XXXX. I contacted XXXX and about this issue and they stated that they had no record of a collection or any type of delinquent account in my by my SSN/Name. I disputed the collection with Experian and it came back as being founded. This is NOT my account and this EOS CCA company is fraudulently putting times on my credit report.
|
| 08/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I had an account for internet services with XXXX XXXX and had canceled the service. After I had called to cancel, they continued to bill me without my knowledge. I then received a bill many months after saying that I had an outstanding balance. I informed them that I had canceled the service and they still billed me even after that conversation. I do not owe them the {$520.00} they say I do. It has gone to a debt collector who continues to try to collect. The collections company has this shown on my credit report.
|
| 03/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
i have been trying to get in contact with these companies that claim that i am in debt to them to tell them that the debt is not mine. i have sent in many documents stating the obvious errors concluding the inaccuracies of the account. i have noticed this for quite some time and the information is incomplete. it has taken a toll on me financially. My lawyer has been notified to stop the company from contacting me and i kindly demand your quick response and to remove these accounts from my reports ASAP. Thank you.
|
| 11/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I had a collection with EOS CCA from XXXX XXXX XXXX. At the time I received a call from the collection company I advised not to call me anymore unless they would do a pay for remova from my credit reports to which they agreed on XX/XX/XXXX for an amount of {$260.00}. Fast forward to XX/XX/XXXX after numerous calls and emails to supervisors and managers to tell me they dont do that which sounds like a complete lie. It is a breach of contract and I will pursue legal action if they do not uphold our verbal contract.
|
| 04/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I NEVER HEARD OF/FROM THE CURRENT COLLECTIONS AGENCY ( U.S. ASSET MANAGEMENT INC. ) FOR XXXX UNTIL AFTER XX/XX/2022, WHEN I HAD SENT A DISPUTE TO CREDIT BUREAUS CONCERNING MY LESS-THAN-GOLD-PLATED CREDIT SCORE. THE COLLECTIONS AGENCY SEEMED UNMINDFUL OF THE POINT THAT I MADE ABOUT THE REPEATED LY FAILED ATTEMPTS BY XXXX TO CORRECT MY PHONE SERVICE PROBLEMS AND THE CONCERN FOR " JUSTICE AND FAIRNESS IN BILLING '' TO FAITHFUL CUSTOMERS WHO HAVE RECEIVED CONTINUALLY FLAWED SERVICE OVER AN EXTENDED PERIOD OF TIME.
|
| 02/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
As per my previous complaint placed on this company regarding a XXXX XXXX XXXX XXXX XXXX and XXXX Collection on my credit report I have still never received any correspondence from the this company. They removed and sold the XXXX XXXX to a different company and kept the XXXX on the my credit report. I am reporting the XXXX XXXX XXXX along with XXXX and Attorney General. You do not have the right to no follow guidelines and do your due diligence to investigate accounts once you put it on someone credit report.
|
| 06/26/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
In XXXX XXXX, I received a letter about a debt stemming from a XXXX XXXX bill. The account was reported shortly after to the credit bureaus. When I called up to discuss a settlement offer, the rep told me that if I settled the debt it would be removed from my credit report. This seemed legit as this was noticed following a XXXX XXXX XXXX collect account. After debt was paid, company is unwilling to stop reporting as the rep indicated it would be the case. The rep used false promises to get me to pay the debt.
|
| 07/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I get frequent calls from XXXX but when I answer they do n't respond. I did some XXXX research and learned that this number belongs to EOS CCA, a debt collection company that apparently buys uncollectable debt from various companies and then tries to collect on it. As far as I know, I do not have any unpaid debt and I have no adverse actions on my credit report, so I do n't know why they keep calling me. And since no one responds when I answer the phone, I ca n't even find out from them why they keep calling.
|
| 02/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
A person called me from XXXX XXXX XXXX XXXX last week and I informed representative to remove my number and do not contact me again. The past week I received 2 calls which I did not answer. Then today I have received a collection letter in the mail from this company. At this point, this collection agency is in violation of the FCPA. One I want this company to stop all communication and second be held liable for there actions and tactics. I do not owe this bill I have returned the product account number XXXX
|
| 06/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
EOS CCA asked for verification of my address and last XXXX of social. They said they take care of private personal matters but never disclosed this was to collect a debt. In addition when asked repeatedly what company they were calling on behalf of, they said they could not reveal that information. I said that is the law but they still refused to give the information. I said I would not be verifying anything until they mentioned the client they were calling on behalf of since I do n't know what EOS CCA is.
|
| 09/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently received a letter from XXXX XXXX stating that I owe a debt in the amount of {$390.00} for account # XXXX. Prior to this letter I never received an invoice from them. That would be because I did not have service from them. They followed that up with a letter from a collection company called EOS CCA stating that I owe {$260.00} for EOS account # XXXX and XXXX XXXX account XXXX. I do not owe either of these companies any debt and they should cease making threats to illegally extort money from me.
|
| 11/18/2019 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Web |
|
|
I have received on several occasions invoices from a collection agency known as EOS CCA. They claim that they are collecting a debt on behalf of US Asset Management Inc for the original creditor known as XXXX XXXX XXXX/XXXX XXXX. T this time I am requesting a full qualified written request of the debt origination, its multiple transfers, and any connection to the U.S. Department of Education if any. Please see an attached qualified written request demanding the authority to collect on the described debts.
|
| 07/16/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The company is calling me daily since XX/XX/XXXX. I was able to get my phone company to get all the numbers, dates and times that they have contacted me. Sometimes they are even calling more then once a day. I have asked a representative to quit calling me and to have the communication by mail only and they have ignored my request. It's to the point I may have to just change my number to get them to quit calling me. I've also requested for the debt information as I was told that it was paid off in XXXX.
|
| 12/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX XXXX, has placed XXXX different collections on all my credit reporting bureaus. There are XXXX different amounts, XXXX for {$290.00} and XXXX for {$170.00}. I have called XXXX XXXX XXXX several times to find out what the bill is for, no one can provide me any information on why this is happening. This has been going on for over two years now. They place it with a collection company, I ask for validation, its removed, then then two months later, its with a new collection company with new dates.
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I recently challenged the validity of EOS CCA ( Original Creditor : XXXX ) - XXXX ( Collection ) account and XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
|
| 02/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The collection agency, EOS CCA, states that I owe vehicle taxes for several years from the City of XXXX CT. I called the city to verify the debt. There are XXXX issues : the first is that the collection agency 's principal amounts ( pre interest and fees ) for each of the XXXX tax years is greater than what XXXX Office states. And the second issue is that the interest and fees are XXXX % XXXX % XXXX % of the inflated principal amounts. For example, principal XXXX plus interest XXXX plus XXXX XXXX XXXX
|
| 06/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was not the main account holder with XXXX and all devices were returned This has been on my account for 5+ years and when I did try to speak with the debt company, I was given different amounts on 6 different occasions which was suspicious with me. When I called them back a few months later, the website was up but the numbers were disconnected and I could never get a real person on the line. My credit has gone down because the company is re aging this debt and treating it like a brand new account.
|
| 08/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The following company EOS CCA, with provided address XXXX XXXX XXXX, XXXX, MA XXXX and listed phone number ( XXXX ) XXXX has lodged an adverse entry with multiple Credit Report Agencies in the month of XX/XX/2018 regarding disputed bill for {$300.00} by XXXX XXXX company. I have never received a debt notification or the right to validate notice by EOS CCA company.
The company has violated my rights by not informing me of the debt or my rights before adverse files with the credit reporting agencies.
|
| 05/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Contacted company to provide a valid contract that I had business with them company refused. I did not have an account with this company and would like for it to be removed from my credit report. Contacted bureau and they did not provide any valid documentation that this account belongs to me as well. This is hindering me from getting services in my home. This company has provided a bill ledger but not a valid contract with my signature stating that I was doing business with them or their company.
|
| 01/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have accounts thats been removed from my credit file due to identity theft. I sent supporting documents along with a police report. My credit report was then cleared. However months later the companies sold the debt to new companies for the same debt and it has returned. The two accounts that have returned are.
1.Company Name : EOS CCA Account Number:XXXX Original company : XXXX Debt amount : XXXX 2.Company Name : XXXX XXXX XXXX Account NumberXXXX Original company XXXX XXXX Debt amountXXXX
|
| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This complaint is regarding a third party debt collector furnishing an alleged debt on my consumer report without prior attempts to validate. Thus in violation of 15 USC 1692c ( a ) ( b ).
On XX/XX/2021 I sent a certified Affidavit of Truth to EOS CCA alerting the company of my consumer rights that they are in violation of along side of this debt been alleged and as of XX/XX/2021 this company has not responded.
Under TILA, FCRA, FDCPA Congress states I am the consumer, The natural person.
|
| 04/04/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On my business phone number, I get voice recordings indicating an attempt to collect a debt and to call back XXXX. I call but have no point of contact or info and am transferred to a generic voice mail where I explain they have contacted a business phone in error and request they discontinue calling this business phone number. The calls continue. The message plays and then music and the message again using the memory I have available on my business phone to allow true business to take place.
|
| 10/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
EOS CCA states they reviewed collection account. They have not sent me in mail any true validation and contiue to state we are in agreement.They also continue to report on my XXXX credit reports.
They state that they US ASSET MANAGEMENT INC are the original creditor in letter and XXXX are the current creditor at top of letter.
And at middle of letter state ORIGINAL CREDITOR : XXXX with their address.
I have no agreement or account level signiture with US ASSET MANAGEMENT INC or XXXX.
|
| 02/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
I received correspondence re a debt which is not valid since it was paid off to the original creditor in 2015. I called the company and advised them that the debt was not valid and that it had already been paid and asked them to STOP calling me or sending me correspondence because it was not valid. To the contraire of my request, they continue the calls and messages and have not provided proof of debt validation as I asked them to confirm with the original creditor that it was paid off.
|
| 01/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I contacted this office for the second time today, Friday, XXXX 2015. The time was XXXX. I advised the representative that they were reporting on my credit report for a debt that had been discharged in a chapter XXXX. He still advised that it was an attempt to collect a debt. I then explained that I was not to receive any more calls regarding the debt and proceeded to provide them with the filing attorney 's phone number. Her name is XXXX XXXX XXXX and her office in located in XXXX, MD.
|
| 10/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX has issued a fraudulent collection bill. The company EOS XXXX is attempting to collect and has been unable to provide any debt validation. They continue to add and remove the account from credit reporting, despite their inability to validate the debt and provide the documents I have requested on multiple occasions. The response I received is vague, and in no way debt validation. I have attached my request, sent XXXX XXXX and the inappropriate response I received from EOS XXXX
|
| 04/26/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XXXX XXXX , XXXX I requested the following through CFPB to Navient : " I am requesting a full and complete itemization as follows : The original amount of loan to XXXX , how much XXXX XXXX was refunded, how much XXXX kept and why when student was in hospital and not attending. How much of loan was paid, the amount of fees and interest charged and dates of all information I am requesting. '' I never received this info, however, received a payment request from EOS again.
|
| 05/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent letters to them disputing the alleged debt, but they ignored my request and fail to provide proof of claim as I requested. I sent several letters explaining myself as well as requesting to be provided with any contract, affidavit or agreements which would bear my signature and theirs showing that I was indebted to them, and they refused and never answered.any of my letters.
All my Mail was sent by Certified Mail, Returned Receipt requested, and the were returned to me signed.
|
| 06/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
a company called EOS collection was paid in full for the original creditor XXXX. I think it was a cell phone bill. I did pay off the debt and asked EOS to update the credit companies. It has been over a year that the debt was paid in full for the total amount yet it still remains on my credit reports. I am asking for them to be removed since the debt was paid in full. I have tried numerous times to contact them and asked them to call they have yet to obtain removal for credit report.
|
| 04/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a debt validation letter to EOS CCA, Inc on XX/XX/2021. I have yet to receive a debt validation letter stating that I owe a bill with XXXX XXXX. I made a complaint with the BBB and they stated that they will cease all collection efforts until XXXX XXXX sends the information to them. It has been over a month and XXXX has not updated EOS CCA nor have they mailed me any information. I do not own this debt and I want it removed from my credit report. The amount is for {$2200.00}.
|
| 10/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I tried to call US Asset Management and was unable to verify this so-called debt. I received THREE notices at the same address within the past week, one that I've never lived at. This is where my parents live! This is definitely a scam, as I've paid XXXX on time for years and years. Do not fall for this one. They claim I owe {$48.00} and give me all these account numbers and information, but I looked online and see there are others receiving this kind of notice for varying amounts.
|
| 09/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/XXXX I received a letter from a Debt Collection agency stating the I owed XXXX {$44.00} I never received a bill for this, but I went ahead a paid the Debt collection agency EOS They sent me letter stating that the debt was paid & XXXX was paid on XX/XX/XXXX I received another letter from a different debt collection agency stating that I still owed {$44.00} to XXXX I contacted XXXX and they claim the EOS never paid them even though EOS sent me a letter stating that they had
|
| 06/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Its been over 7 years since XXXX is trying to charge me for equipments that I never had and an account that was base solely on fraud. There is a third party call EOS/CCA base in Massachusetts : www.eos-ca.com. My account # XXXX.
Current creditor : US asset management inc.
Original creditor : XXXX The whole thing was a scam base on nothing. I want these collectors to stop sending me to collection bureau every month.
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX
|
| 04/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i have receive a bill on XX/XX/XXXX stateting that i own money to the collection company EOS CCA reference off a XXXX account that i never open in my life and i never had a XXXX account before.
In XX/XX/XXXX this collection company report this account to the 3 credit company and it damage my credit, i quickly disputed this negative item on my report and it was deleted because this is my believe is a false account or some one stole my information and created this false account.
|
| 07/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
EOS CCA has placed a collection on my credit profiles claiming that I owe {$360.00} to XXXX. Ive never had an account with XXXX. I've always had XXXX XXXX. I have reached out to this company 3 times between XXXX and XXXX of 2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.
|
| 04/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for.
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
|
| 06/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am being billed for something medical taking place in XX/XX/XXXX!!! This is my first time being billed and they used my maiden name and old address, two things that have been legally switched. The bill says nothing about what the service was for and this is the first attempt from the original company to collect. When I call the number listed doesn't even mention the company name. EOS-CCA number is XXXX with an invoice date of XX/XX/XXXX. This does not seem legitimate at all.
|
| 06/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am being billed for something medical taking place in XX/XX/XXXX!!! This is my first time being billed and they used my maiden name and old address, two things that have been legally switched. The bill says nothing about what the service was for and this is the first attempt from the original company to collect. When I call the number listed doesn't even mention the company name. EOS-CCA number is XXXX with an invoice date of XX/XX/XXXX. This does not seem legitimate at all.
|
| 10/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX in equipment returned XX/XX/XXXX. As of XX/XX/XXXX according to XXXX customer service rep, XXXX credited my account {$1400.00} for equipment returned. XXXX did remove the debt from my credit but then sold the account to EOS CCA. I spoke with EOS CCA and they will not remove this debt from my credit report and they have it listed as a new collection when XXXX last reported XXXX XXXXAttached is a copy showing the equipment was returned and the last reported date from XXXX.
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing this inaccurate account for over the past year via USPS Certified Mail. EOS CCA the information furnisher that's recorded by XXXX records this account that Re-Ages every month when this collection agency falsely states that this account has been verified, this account is now Re-Aged to XX/XX/2021. This account still reports an inaccurate OPEN account status. This is unlawful reporting, delete this inaccurate account immediately because it is in violation.
|
| 03/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
EOS CCA- XXXX is reporting on my credit report without every notifying me of this debt. They posted it to my credit and when I saw it I contacted them immediately.
I didn't even owe the debt because the item was returned!
I would have disputed it if I had received notification.
I don't see how they can just put whatever on your credit without contacting you.
My attorney will be the next contact as he advised me EOS violation.
I served our country and this is ridiculous.
|
| 07/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an outstanding debt with XXXX XXXX. I settled this debt with a different collection agency a long time ago. The information was verified and is reported correctly on my credit report. However I continue to get calls from EOS CCA trying to collect {$110.00} for a XXXX XXXX debt that has already been resolved. This agency is harassing, rude, and does not have valid information and continues to try and get my personal payment information for a debt that has been resolved.
|
| 01/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
on XXXX my credit report show a collection.They said I owned XXXX XXXX dollars for an account in XXXXfor an address XXXX XXXX XXXX XXXX XXXX XXXX.I never lived or owned this property.I 've been living in XXXX since XXXXThey also have the persons name as XXXX. I never went by the name XXXX.This same collection was once removed from my credit report once before around two years ago. After XXXX had no account for me, and that collection was from a different collection company.
|
| 08/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX 2017, I obtained all three of my credit reports and noticed that a collection company named EOS CCA was reporting negative collection activity for an account that is not mine. I have no knowledge of this debt of XXXX {$1400.00} XXXX that is currently being reported by this company. This inaccurate and incorrect information being reported to XXXX XXXX and XXXX has heavily affected my ability to obtain credit to buy a new car and placed undo stress on my family.
|
| 02/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recieved a NON-CERTIFIED/NON-REGISTERED letter on XX/XX/2019 from EOS CCA ( letter dated = XX/XX/2019 ). The letter stated that I owe their client " Commonwealth Of Massachusetts Department of Revenue '' a Tax Liability. The following information was included in the letter : -Taxpayer ID # : XXXX - EOS CCA Account : XXXX - Total Due : {$1200.00} " We are a collection agency attempting to collect a tax liability. Any information obtained will be used for that purpose. ''
|
| 02/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, So I have an account with XXXX and XXXX that popped up on my credit report a few months ago. This is total fraud as I have had XXXX XXXX XXXX for the past 3 years. I have filed a police report on the incident, sent the documents to the credit agencys as as XXXX and XXXX. However, it is still pulling on my credit. The accounts are not mine and they will not take it off. I've asked for a validation of the account and still nothing.
Please help.
Regards, XXXX XXXX
|
| 05/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had XXXX XXXX many years ago ... .Account was closed by me for billing errors ... .on XXXX 2014 , ... account was paid in full by me ... since then It has shown up on my credit report with a few different collection agencies ... .I have disputed them all and they were taken off ... now as of recent they sent to another collection agency Eos Cca {$2200.00} and now is back on my credit report! I do not owe them anything ... .please remove ... .thank you so much!
|
| 12/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On my credit report I fought with a company XXXX which put a debt on my credit report through XXXX XXXX XXXX and the debt was deemed not a valid debt through CFPB. The history is on my account and now they just put the debt again through another company called EOS CCA collection for the same thing on my credit report. I just want them to completely remove this from my account because they are hurting my credit and affecting my life for a charge I never made. Please help
|
| 05/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditors Just put something on my credit report that was never there before! I just searched my credit report today XX/XX/2019 And saw this company " EOS CCA '' XXXX. XXXX XXXX XXXX, Massachusetts XXXX This debt is for {$240.00} Dollars! I know nothing about this account! My Identity was stolen and yes I did a police report about this matter. Can someone please look into this matter? Am tired of being harassed by this debt collector! This is showing on my XXXX report.
|
| 11/20/2017 |
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 EOS CCA about a debt originally owed to XXXX and then sold to XXXX XXXX XXXX XXXX and placed with EOS CCA. EOS CCA sent a letter on XX/XX/XXXX about the debt and I replied on XX/XX/XXXX asking the company to verify the debt. It is XX/XX/XXXX and EOS failed to validate the debt, but they did not hesitate to update the debt to my credit reports on XX/XX/XXXX within the time I requested debt validation, a clear violation of the FBCPA.
|
| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
EOS CCA is inaccurately reporting me to collections. I satisfied this account back in XXXX and this collection agency actually deleted this account in XXXX due to me fulfilling my obligations. Please see the attached document showing proof of my final payments to EOS in XXXX. This account suddenly started to report on my credit again as of XX/XX/XXXX. This is a complete false reporting and EOS took advantage of me and my finances. Please delete this account right away!
|
| 12/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a collection from XXXX from 2 years ago that I paid in 2015 with the company. However, a new collection for the same amount was put on my credit report from a different collection company who is saying that i still owe the money. They wo n't accept any information that i have showing that it has been paid and say that they do n't care. I do n't want to pay the same collection twice especially when i disagreed with the amount the first time from the phone company.
|
| 10/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is a collection debt for XXXX XXXX XXXX XXXX from an account that was opened using my information. The account was opened in Louisiana and the amount is for {$600.00}. I have never lived or even been to to Louisiana and I don't have any friends or relatives that have lived in the state. This is probably the third or fourth time I'm reporting this as fraud. Its the same debt but, the collection agencies just change. I've already reported it several times as fraud.
|
| 07/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
EOS CCA XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details ast Reported XXXX XXXXXXXX, XXXX Collection Agency EOS CCA Original Creditor XXXX XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date Responsibility Individual Balance {$0.00} High Balance {$290.00} Remarks Account information disputed by consumer, meets FCRA requirements I paid in full and was told by collector they would erase it off of my report. Instead they put the included remarks.
|
| 01/16/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This collection corporation is doing business as EOS CCA. When communicating with me, they did not indicate that they did not have a licenses in the State of Florida to conduct business. At this time, I desire to sue them, in the State of Florida for false representation of their license. As such, they have illegally obtained my Social Security Number under the State of Florida. On top of that, they have illegally obtained my social security number under Federal Law.
|
| 06/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had settlement with prevouse debt collection to pay portion of amount and my account will be closed. I do n't remember the exact amount, approximately it was {$230.00} out of {$500.00} approximately. This happened around 7 years. But they keep transferring my account to other debt collectors. I contacted the phone company and said I do not own anything. It 's affecting my credit score for price I paid. I need it to be removed from my credit report. Thank you.
|
| 10/29/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently received a collection letter. This debt has been disputed long ago and removed. This debt does not belong to me. The alleged debt was for a private student loan. The check was never received nor cashed. If the collection agency can not prove that the funds were BOTH disbursed AND cashed, BY ME, then it need to be removed.
Additionally, the alleged debt is from XXXX - XXXX. The original company that the application was submitted to went out of business.
|
| 11/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had XXXX XXXX package with Internet, Phone, and Cable/ TV. The XXXX workers went on strike during the period when my services went out. I made several calls to XXXX and they kept promising to send the technicians out to repair the problem. After failing to repair the problem over a two month period, I cancelled the service and obtained new services from another provider.
I disputed the charges with XXXX ; however, they reported the bill to a collection agency.
|
| 11/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debt collection appeared on my XXXX, XXXX, XXXX Credit Reports just recently. I do not have a XXXX account and I do not owe them any money. I have been having fraudulent activity to all my accounts, perhaps this is more of the same. It lowered my score.
Company - EOS CCA XXXX Balance - {$500.00} Date on Report - XX/XX/XXXX ACCT - XXXX Collection Opened - XX/XX/XXXX Loan ( XXXX ) XXXX Addresses - XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, MA XXXX
|
| 04/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have repeatedly informed EOS CCA and XXXX that I was a minor child at the time of this alleged service by XXXX. On XX/XX/XXXX, EOS CCA continually report on all 3 of my credit report inaccurate information. EOS CCA has stated on my credit report that the information is accurate when it is false. Please see attached Birth Certificate and copy of what they ( EOS CCA ) continually reported on XX/XX/XXXX credit report. The picture shows that this has been disputed.
|
| 01/24/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I contacted EOS CCA via telephone on XX/XX/XXXX and by mailing a dispute letter to this company requesting a reasonable investigation regarding a negative account from XXXX that they are reporting in my credit file which the Co. ignored on or about XX/XX/XXXX.
Account Name EOS CCA Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX.
Status Updated XX/XX/XXXX
|
| 07/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not mines compant threatened to ruin my credit if i didnt pay.
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Unknown Account Name EOS CCA Account # XXXX Account Type Other Collection Agencies Balance {$42.00} Past Due {$42.00} Date Opened XX/XX/2018 Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month
|
| 10/07/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never did business with EOS CCA XXXX XXXX XXXX XXXX XXXX ). The original creditor was XXXX. EOS CCA reported this debt to all 3 credit agencies and has been my credit report since XX/XX/2020 with account # XXXX. I tried to dispute this debt with all three credit agencies XXXX, XXXX, and XXXX but was just a waste of time and this debt is still affecting my credit score currently. I tried contacting EOS CCA directly but they do not have a number listed anywhere.
|
| 08/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I had an account with XXXX. My equipment was all picked up when I was n't home. I did n't get to sign anything or I did n't call them. They got all of their equipment and my bill was about {$300.00}. They charged me {$470.00} more than I supposed to pay, leaving it {$770.00} in collection. I got the issue resolved and I currently have my services active for a year straight right now. Now it says the same thing again and its ridiculous. I 'm getting cheated here.
|
| 09/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I've requested verification of debt 4 times, however they never respond to my letters but continue to send invoices. I've attached all letters that I've sent to EOS and they fail to respond.
XX/XX/XXXX Debt Validation Letter XX/XX/XXXX Debt Validation USPS Tracking # XXXX XX/XX/XXXX Request to remove from credit report due to lack of response USPS Tracking # XXXX XX/XX/XXXX 2nd request to remove from credit report due to lack of response USPS Tracking # XXXX
|
| 11/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020, I received a bill from EOS CCA Stating that I owed them something. I immediately responded and disputed the validity of the debt. I informed them that the debt was not owed by me and tried to resolve the matter amicable between us. To date, The company only sends me bills, but they will not provide the original contract with my alleged signature ( it doesn't exist ). This is harming my credit rating gravely, because it is not reflecting accuracy.
|
| 06/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
EOS CCA has been illegally reporting a collection account on my credit report. This account was paid nearly two years ago, XX/XX/2017. On the call with the company back then I recored the lady a total of three times assuring me if I paid the settlement that she would immediately notify the credit bureaus to have it removed/deleted from my account. Nearly two years later it still shows up as a collection on my credit file affecting my ability to purchase a home.
|
| 02/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a collection account on my credit report stating that i owe this company {$230.00} which is impossible as looking at the dates of their information I was in Jail this is not my debt and i am not responsible for this I have no knowledge of this. It is invalid and needs removed at once. This company is comitting fraud by reporting that i owe any money to them. I've NEVER had an account with them or the company XXXX that they are claiming the debt is from.
|
| 10/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
EOSCCA has been reporting my account as late each month. This account was purchased from XXXX making it no longer eligible for a monthly set amount or late mark. I have disputed this many times to no avail. The account was originally paid in full with XXXX prior to it mistakenly being sold off to EOSCCA. I disputed this item and now it is showing as late every month rather than closed or paid off. This is in violation of the Fair Debt Collection Practices Act.
|
| 09/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a collection on my report that belonged to my XXXX ex husband. Even though it was his and not mine i still paid it and the company removed the item from my credit report. Now another company is attempting to collect the same debt that was paid thru the other company and have put a new collection on my credit report. I have attempted to get the collection removed from my credit report with the XXXX credit bureaus but they are not removing the collection.
|
| 01/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have disputed this information several times in the past because the bill had been paid. It keeps showing up on my credit report. Once I dispute the information it stays off for a year or so then it reappears with a different date. This causing me a lot of problems. It not only wrong but it is hurting my chances of obtaining a home. It is XXXX different companies that are doing the same thing. I have contacted the companies and with the same results nothing.
|
| 03/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter from a company called " EOS CCA '' explaining to me that they are offering a settlement offer for an unverified debt from " XXXX XXXX '' that I supposedly went to in XXXX of 2014. I never went to a that hospital around that time. I have tried to call them several times and they do not answer, yes I am calling around their open business hours according to the letter I received. This is a fraudulent SCAM and this company should be shut down.
|
| 10/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I 've tried numerous of times over the coarse of 2 months to alert The Collection agency EOS CCA that ive paid the balances that i owed them with a settlement amount that closes the debt. They keep reporting to XXXX and XXXX as a open degeragorty which is extreemly hurting my score. They keep saying they are gon na fix it but they have n't fixed anything as they promised. I 've been denied credit because of this open degeragorty. They are reporting it wrong..
|
| 03/25/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
Calls are daily, but they never leave a message or respond when the call is answered. Someone sits on the open line and then later hangs up without a word. Calls have occurred before XXXX once on a Saturday morning and after XXXX once also during the week.
Calls are daily, but they wo n't talk when answered or leave a message stating reason for call or person they are calling. No paper notice from this company saying why they would call me repeatedly either.
|
| 07/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Repeated phone calls with no message. Calls to my extended family members trying to get personal information about me or leave messages for me. Would not identify their company past an acronym. I asked them to send information to the address they have on file for me, rather than confirm it on the phone and they began yelling at me that they would not until I confirmed my address and that they could tell me what it was about once I gave them more information.
|
| 05/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
debt collector had bad debt report on my credit report first, then sent notification afterwards trying to settle, not giving myself the opportunity to dispute the validity of this bad debt. I was not given notice, this bad debt was filed and charged off in bankruptcy file # XXXX. I received notice XX/XX/XXXX the notice date is XX/XX/XXXX but was already reporting negative on my credit report, not giving myself the chance to explain why this debt was invalid.
|
| 12/26/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I was responsable for four XXXX telephone lines. I canceled three on XXXX/XXXX/XXXX and left the remaining in care of my XXXX XXXX old brother, XXXX in XXXX XXXX, Tx.
XXXX has sent me a notice of collection placement and is demanding immediate payment of {$550.00}. I was paying {$30.00} per line and have no service on three lines since XXXX/XXXX/XXXX.
XXXX claims that XXXX never took responsibility for payment on his behalf.
Please, advice what I can do.
|
| 10/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, EOS CCA, XXXX XXXX XXXX XXXX, MA 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 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
|
| 08/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
A cable bill was opened in my name 5 years ago that I was unaware of. It was resolved and it was removed from my credit report 5 years ago. Got a notification last week on XX/XX/18 via email showing what resolved 5 years ago and removed from credit report is now again on my credit report I nevered opened an account under XXXX XXXX internet company I have never had a contract with them. The payment amount of {$390.00} phone number XXXX company name EOS CCA
|
| 12/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, XXXX I wrote to the company informing them that they have listed a collection on my account that is not mine. I asked the company to remove the information on my credit reports and I have not received a response from them. This item on my credit reports is inaccurate and damaging my credit. I understand that when you dispute an item on your credit reports the company needs to comply within 30 days. This company has not complied to my request.
|
| 05/06/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I contacted EOS by phone in XX/XX/2020 and agreed to settle the debt in full if the collections company agreed to have the derogatory information removed from my credit reports. The collections agent agreed to have the account removed from my credit report within 5-10 business days after I paid the debt. The account remains on my credit report and I have attempted to have it removed as agreed upon but the company is now refusing to comply with my request.
|
| 06/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently received a copy of my credit report and was alarmed to learn you claim I have a delinquent account with you. I have never entered into any arrangement with you, nor did I sign a contract with your company. And as third party collector, you are not authorized to furnish any information on my credit report. In order to collect or report information about me, the law states you must first have my permission. I received no request for permission.
|
| 10/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Hello Sir/Madam, I received a " Notice of collection placement '' from a collection agency by the name of EOS CCA sent on behalf of XXXX XXXX for the amount of {$1000.00} on XXXX/XXXX/15. I found out from XXXX XXXX that somebody had stolen my identity at XXXX XXXX store to purchase XXXX phones 2 years ago. I had to file a police report before sending my dispute to XXXX XXXX and XXXX via email with all of the support documentations.
Best Regards, XXXX
|
| 01/17/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This bill was originally from XXXX Arkansas XXXX XXXX and was placed with EOS CCA while I was appealing this bill with my insurance. EOS CCA is charging interest on this balance. My insurance paid all but {$56.00} of this bill but EOS CCA is continuing to charge interest on this and has reported a balance on my credit report of {$94.00} as of XXXX/XXXX/16. I have disputed this on my credit but they verified to XXXX that this was the correct balance.
|
| 08/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
EOS CCA sent me a letter stating that I owe {$640.00} for a XXXX bill the first week of XXXX. On XX/XX/2018, EOS CCA received my letter asking them not to contact me again. The letter was sent USPS certified mail. They called me 17 times in 2 minutes on XX/XX/2018 times in 2 minutes on XX/XX/XXXX, and again 18 times within 2 minutes on XX/XX/XXXX. They have also tried to contact me with single phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
|
| 11/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I asked them to stop call told them my brother was XXXX and I did not give authorization for them to contact me and at least 3 to four times a month they call me ... I say the same thing this is not his number and he is in XXXX please take my number off the list and stop call.. I asked for company name and info and they refuse to give it to me ... XXXX ( XXXX ) XXXX EOS. They are rude and wake me up too often not to even be my bill collector ...
|
| 06/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I keep getting fake debt collection agency calls from phone numbers that do not ring to businesses. These numbers have been reported by many people as scam artists harrassing them for debts never incurrec. XXXX and XXXX are XXXX of them calling. This just started after I dropped XXXX of my XXXX XXXX XXXX XXXX services, which I pay every month. There is no adverse report on my credit report. I am not past due on anything. Stop these scam artists.
|
| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
EOS CCA ( Original Creditor : XXXX XXXX ) HAS BEEN FRAUDULENTLY REPORTING ON MY PERSONAL CREDIT REPORT. THIS BATTLE HAS BEEN GOING ON FOR ALMOST A YEAR NOW. I HAVE SENT DEBT VALIDATION TO THEM DIRECTLY AND THEY HAVE NOT LAWFULLY PROVIDED BONAFIDE PROOF OF THIS COLLECTION. I KNOW IT IS NOT MINE. I HAVE SENT CERTIFIED MAIL TO THE XXXX XXXX, XXXX AND XXXX ABOUT THE SAME. I AM GOING TO SUE BECAUSE IT SEEMS THEY CAN VIOLATE CONSUMERS AND NO REMEDY.
|
| 10/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureau is reporting inaccurate information on EOS CCA ( Original Creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 03/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
We never had XXXX account.
They call us, vey bad manners and ask for payment right the way.
They start collect XXXX dls, later XXXX and now they send a bill for {$26.00} that we never owned.
They harassed us to many times.
now the company EOS CCA is a debt collector.
The website is not working, don't allow to dispute the charge and they don't answer the phone also.
Please care this manner.
The best regards.
XXXX XXXX XXXX XXXX
|
| 09/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I've been trying to get this resolved with this horrible, immoral collection agency ALL YEAR! Their collection tactics are deceitful. They just buy alleged debt for pennies on the dollar to turn a profit. Despicable! They have placed a collection on my credit profiles claiming that I owe {$360.00} to XXXX. Ive never had an account with XXXX. I've always had XXXX XXXX. I have reached out to this company 4 times between XXXX and XXXX of 2021.
|
| 05/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
EOS CCA is falsely reporting a collection on my credit report. Debt was from a XXXX account that was already disputed, settled, paid, resolved and removed from my credit report ( s ) by another collection agency. EOS CCA is in violation of FCRA for trying to report debt that was already settled and removed from my credit report ( s ). The debt they are trying to collect on is {$350.00} which appeared on my credit report ( s ) on XX/XX/2019.
|
| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
on XX/XX/2022 EOS CCA opened up a collection.
account number {$1500.00} that I owe 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 bureaus.
XXXX XXXX
|
| 10/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on EOS CCA ( Original Creditor : 10 XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 07/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have attempted to receive debt validation from the company in dispute and they have ignored my attempts. My attorney sent multiple letters and they failed to validate the debt as well as the fact that they have re aged this debt on ny account multiple times. Letters were sent from last year up until this year to no avail. The company has yet again failed to substantiate this debt and also have negatively impacted my credit in doing so.
|
| 11/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The person calling said they were calling from EOS CC, a debt collection.
My complaint, however, is that on caller ID, they come up as " XXXX XXXX XXXX '', which is a credit card company. A call from them would likely mean a credit card was compromised.
It turns out, a debt collection agency is having their number appear to come from a different company.
The number is XXXX XXXX XXXX XXXX. It is not the number for XXXX XXXX XXXX.
|
| 01/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
EOS CCA just filed a new collection agency report with a false date in order to renew false charges from over a decade ago. {$66.00} in charges have always been invalid and have been disputed for over a decade. The old report expired years ago, and the new collection agency is renewing the effort using a false date so that the credit reporting bureaus would accept them. I assume this is a practice they are doing wil a lot of filings.
|
| 09/21/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Eos-Cca is illegally charging me for collections on an account that has never missed a payment and has always been current. They have called from multiple phone numbers that are unlisted and do not reflect legitimate business. They claim {$210.00} in debt to my Internet service provider XXXX. I have attached a screenshot that shows since my start of service through today I have never missed a payment this is extortion and is a crime.
|
| 12/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I found this item on my credit report and I did not recognize this company and have never done business with this company. I disputed this account with them directly and I have not heard from or received any proof that the item belong too me. I want this item removed immediately because its damaging my credit and my credit score. I am stressed from this situation. This company is violating my rights under the FDCPA section 809 ( b ).
|
| 12/03/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
In accordance with the fair credit Reporting act Convergent Account # 12345, has violated my rights.
15 USC 1681 Section 602 Sates I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't 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 purpose.
|
| 04/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
EOS CCA I recently submitted an Affidavit ( sworn testimony ) to EOS CCA to validate an alleged debt. In my sworn testimony ( attached ) I asked that they provide documents to validate this debt as well as a FULL accounting to prove the accuracy of the amount they are alleging to be owed. Their response ( attached ) does not meet the standards of validation or provide enough accounting to " verify '' the amount they are alleging.
|
| 07/01/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Company started calling twice a day, now they are calling four times a day each day.
They are calling without identifying both the name of the creditor and the name of the person they are calling.
If I answer the phone, they stay on the line without saying anything.
A representative told me that they have an automated number just call repeatedly., I asked them to stop and they have not.
I have no idea why they are calling.
|
| 06/02/2020 |
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 logged into XXXX today to check my credit report and saw this collections account. I have addressed this issue multiple times with the credit bureaus and it keeps showing back up. I have never had an account with XXXX XXXX. This account is either fraud or belongs to someone with a similar name as me. I was never contacted by the collections agency prior to this account showing up on my credit, in violation of FCRA guidelines.
|
| 01/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, I have recently noticed fraudulent activity on my credit report. I believe I am a victim of identity theft. There are accounts on my report that I did not authorize. I have a security freeze and should have been notified before my information was ran. These fraudulent items are reporting inaccuracies to my which are affecting my relationship with creditors. Please investigate these matters and remove the disputed items.
|
| 04/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received Debt Collection Notice from EOS CCA stating that I had an outstanding balance with XXXX that they are seeking to collect on behalf of US ASSET MANAGEMENT XXXX. However, when I checked the license number on the letter with XXXX XXXX ( online ), it says that the license belonged to a differnt company and that it expired in XXXX 2017. Additionally, I contacted XXXX and my account is paid up to date - it 's on auto pay.
|
| 06/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
EOS CCA has flagged my credit report and everything that i have researched calls this company a SCAM.my account with them they claim is closed so why is it still on my credit report? I do n't feel i should pay this collection agency if it 's closed and has been well over XXXX yrs old if the original company closed the account and i ca n't find who the original company is for verification.i truely believe this company is a scam
|
| 03/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
Approximately once a month or more frequently, I receive a recorded message on my answering machine stating, " This is a message from EOS CCA. This is an important call about a debt collection. Please call XXXX. '' I do not have any late or unpaid debt at the moment, so I believe these phone calls to be fraud activity and illegal. I have researched this company online, and it has a history of fraudulent and illegal activity.
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I recently challenged the validity of EOS CCA ( Original Creditor : XXXX XXXX XXXX - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.
|
| 01/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been harassed by EOS CCA, and my credit credibility is tarnished because they have a collection debt on my credit reports that does NOT belong to me. My name is NOT XXXX XXXX! How is this even possible for someone to falsify information and add it to one 's credit report and defame my character? I DO NOT OWE THIS DEBT! Remove Immediately or I will take you to court for defamation of character and pain and suffering.
|
| 02/21/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I disputed this reporting XXXX of 2018 and my XXXX removed this account from my report. However XXXX and XXXX refused to remove the account even though I left them know that XXXX had removed the account because it wasnt correct. I have called XXXX and requested they take the account off as well since XXXX did but they refused. I am trying to figure out why one company will remove the account but the other two will not.
|
| 11/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
EOS CCA Reported balance {$1100.00} There is a fraud alert on my account going back over 5 years. I have no business with this company.
Remove immediately. I have a fraud alert on my account for time time. This debt was removed once and sold to another collection agency. I have never had any business with this company. I have never lived at address they provide. I will pursue legal damages if not removed within 15 days.
|
| 06/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have been contacted by this company ( XXXX XXXX XXXX XXXX ) XXXX times now using a different debt collector each time. When I call and explain to the debt collector that I have never used this company for any transaction of any kind they take my info and I never hear back from them. This current debt collector EOS CCA XXXX XXXX XXXX XXXX, MA XXXX is just another pawn in XXXX XXXX XXXX XXXX 's collection placement scam.
|
| 06/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Contacted XXXX XXXX XXXX XXXX XXXX ( original creditor ) I have never had their service their records confirm that fact.
Contacted EOS CCA.. consumer identification shows a name of XXXX XXXX XXXX XXXX Advised them that is not my name, no one of that name has ever lived at XXXX XXXX XXXX XXXX.
They instructed me that clearly I was not the person they were looking for.I was further instructed to ignore their letter.
|
| 01/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Got a phone call from XXXX, claiming to represent XXXX XXXX over an alleged debt from 2002. The whole issue at the time had to do with a bank error, and I turned it over to a consumer protection agency then. This company, when I tried to explain this, just said, okay then we'll just file the judgement. They also claimed to have sent a letter to my mailing address. I saw no such letter.
They are of course a scam.
|
| 05/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
|
| 10/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was told that they were soon to have4-G in my area and the phones and internet would not work where I live and they would not. I did n't owe for service and I paid one half of the charges to cancel and they said that would be accepted as settled. Then they put the other half in collections. This was a XXXX XXXX XXXX account. VERY UNFAIR! The collection is under Eos Cca fromXX/XX/2012 for {$210.00}. Ridiculous!
|
| 03/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
on XXXX XXXX this company EOS CCA Opened a collection.
XXXXXXXX XXXX that I own I have never signed any written documents saying that i own this debt to the collector.
They are violating my right of the FCRA as a consumer.
I do not know who they are and have not written consent from my end Also, they not verified that I own this to alleged company.
Please have this removed from all three credit bureaus.
|
| 09/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
My husband and I sold our house and moved from XXXX to XXXX in XX/XX/XXXX. I was hit with a big bill from XXXX XXXX for {$580.00} in 4 mos. I paid it off by a personal check on XX/XX/XXXX. XXXX XXXX, my ex-utility company, continues to send off debt collectors in spite of my many attempts of phone calls and mail correspondences to stop such harassment.
Would you please advise? I thank you so much in advance.
|
| 10/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I XXXX XXXX Have been Victim of identity theft. I have called this company many times about this problem. This company EOS CCA is a debt collection agency I do not own them any money. I have never hear about this company and this company is reporting that I owe them money to the 3 credit report companies that I owe them money. This company has been harassing me with phone calls, letters, and threatening me.
|
| 02/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid off my XXXX communications bill on XXXX XXXX, XXXX, and I received a collection notice on XXXX XXXX, XXXX. I contacted the bill collector, who indicated that they had no record of payment, and then I contacted XXXX, who had no record of payment. I researched my XXXX XXXX XXXX bank statements and found a record of an electronic payment for the exact amount due. These harassment tactics are oppressive.
|
| 10/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
This was a XXXX bill that at least over 8 years old. They say that their client 's name is US Asset Management , Inc. EOS CCA and US Asset Management , Inc are the same company.
I disputed the debt and it is still on my credit report with XXXX.
XXXX ( XXXX, IL ) was trying to collect on this debt before. My guess is that they sold this after it went beyond the statute of limitions on collecting a debt.
|
| 11/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I told the collection agency that this debt isn't mine and requested they validate/verify the debt with a signed contract binding me to the debt. That have not verified the debt. They told me over the phone that they didn't have a signed contract legally binding me to the debt. It was a woman that I spoke with. She reiterated to me over the phone twice that they didn't have such evidence.
XXXX XXXX.
|
| 09/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a copy of my credit report and noticed that I had a collection account that does not belong to me. This account is not valid and should be removed from my credit report. I have disputed this account with the collection agency in XX/XX/2020 and they have not validated the account. This account is with EOS CCA in the amount of {$990.00}. I need to have this removed from my credit immediately.
|
| 12/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX, XXXX XXXX XXXX is a 3rd party agency along with another agency EOS CCA a debt collector and is been sending me notices for a debt in the amount of {$1000.00} I have requested a contract with signature that I have account with XXXX XXXX XXXX AND EOS CCA DEBT COLLECTOR.. i have yet to receive contract with signature.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX EOS CCA XXXX XXXX XXXX XXXX MA XXXX
|
| 12/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I signed up for XXXX XXXX service in XXXX. In XXXX, I moved out of my apartment and returned the equipment to XXXX. In XXXX, I see that there is a collection that has been reported to my credit file from EOS CCA. I disputed the collection. EOS CCA claims that this debt, {$240.00}, is from XXXX and is legitimate. I have terminated the service and returned the equipment and do not owe XXXX or EOS CCA.
|
| 09/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have contacted EOS CCA about an account I described to them as a fraudulent account. Ive requested for verifiable proof or the debt be removed from my credit report and I stop being contacted. The company responded with a request to fill out an affidavit with a police report in which I have attempted to and was looked at and spoken to as if I were in the wrong and therefore not receiving a report.
|
| 09/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
This company is claiming to be EOS CCA, however EOS CCA states this phone number is not associated with their company. They refuse to tell me what they are calling about until I confirm my address and DOB with them, which I did not feel comfortable doing. Since I take care of most debts via mail, I asked that they stopped calling me. At that point, the calls became more frequent, and at later hours.
|
| 03/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Greetings, I have recently XXXX from XXXX outside of the United States. Unfortunately, somebody has most likely used all my information and got into debt because during the dates which the debt has occurred, I was in XXXX in XXXX and I can prove that I have been an active XXXX in XXXX for the past 6 years and was not in the United States to get in debt. This may be a mistake or an identity theft.
|
| 08/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I have written XXXX certified letters to this Debt Collector challenging the accuracy of debt attributed to me. I have never had an account with XXXX XXXX XXXX. I asked to send me documents to back up their claim. Nothing is forthcoming but the debt collector continues to report this to XXXX and I believe XXXX. There was a problem with identity theft when I was in XXXX from XX/XX/XXXX - XX/XX/XXXX.
|
| 07/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Dear CFPB, for the past year I have corresponded with this agency called EOS CCA who continues to harrass me through the mail to settle a debt that I do not owe. I demanded they validate the account in collections, and provide proof of a contract expressed or implied entered in mutually with clear signatures between myself and the alleged original creditor XXXX. To date they have not met my demand.
|
| 07/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
ON XX/XX/2020 ; I paid {$580.00} to EOS CCA ( Collection agency ) and they told me I would receive a written receipt in 3-5 days. As of XX/XX/2020 : I still have not received that receipt for my payment. These collection agencies are quick to take your money but have excuses for why they can't send a receipt at the same time of the payment ; and then you don't get the documentation you requested.
|
| 07/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2017, I opened a XXXX account and switched Company 's since then but I was given a negative credit alert with a total of {$940.00}. I had contacted them at the time, a couple times, I changed Company 's and made arrangement to pay off the remaining balance. I was uniformed about my account as to what was going on since then. I didn't receive a notice. I have since moved from XXXX to XXXX.
|
| 02/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX EOSCCA XXXX MA XXXX The company above has called my house for the last 2 years for a person who does not live here. I have told this company over and over XXXX does not live here and has never lived here to remove our phone number from their system. I also advised them I have no clue who this person is. Each time I talk to them they tell me they will then I receive more phone calls from them.
|
| 05/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
It a XXXX internet that was month to month back in XXXX i move to a different town in XXXX call and cancel the service before i move in XXXX i got a collection of XXXX dollars saying i never cancel call XXXX they don't have any information about it and call the collocation agency and they will not send me any information can't break it down that I owe that much just say that what XXXX says i own
|
| 06/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a letter about a debt on XX/XX/2018. I sent the company a letter asking to verify the debt. The did not reply. I received a similar letter on XX/XX/2018. I sent them a second letter asking to verify the debt. They did not reply. I received a third letter from the last week and am not sure what to do. They have not replied to my letters asking to verify. They just keep sending letters.
|
| 08/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
The original debt was from a phone compeny and the phone was faulty they even sent me another unit due to this issue but yet again I was getting billed even when I was in WiFi mode using data rather than roaming but the system reported me a roaming using data, so I complained and complained but yet they would not remove the fees so I do believe its my fault for there software or hardware issues.
|
| 01/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
EOS CCA placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX.
|
| 06/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/2020 I spoke with someone at EOS and I informed them that I knew nothing about this alleged account but wanted to get over and done with it. After further review I have found out that this account was a result of identity theft. I did not open or authorize this account, and I request that it be closed and immediately removed from my credit file from all there credit reporting agencies.
|
| 02/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am receiving repeated automated calls from a company called True North on my landline answering machine. The number is XXXX. I called once and the agent asked from personal private information, which I did not give. When I offered to give the phone number that I have been receiving calls, the agent hung up on me. I stopped receiving calls for about two weeks and am now receiving calls, again.
|
| 10/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
EOS CCA has called my work extension roughly XXXX starting at XXXX and typically again at XXXX via robocall. When I called back they would not disclose type of debt or whose debt, simply stated that I owed a debt based on the phone number ... .I have asked them to remove this number from their autocall as it is a new work extension but I continue to receive robocalls. EOS CCA 's number is XXXX
|
| 04/10/2023 |
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 |
|
I disputed the information with the company. They maintain that it is mine and should remain reporting on my credit report. EOS CCA Account XXXX XXXX. The date it was open was XX/XX/XXXX. I was not living in the United States and it is impossible for me to have opened this account. I lived abroad in the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. The balance on the account is {$1000.00}.
|
| 05/12/2023 |
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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
|
| 07/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX had put a thing on my credit report saying I owed XXXX so I disputed it and told XXXX to show proof I owed the bill or remove it they removed it but then another company EOS CCA put it back on so I told them I want proof of the debt or remove they told experience it's a valid debt but won't send me proof of a bill or anything else saying it is avaliable debt or if the amount is correct
|
| 09/21/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I have open case numbers # XXXX and # XXXX. XXXX XXXX Team Lead responded and says she had no record of a complaint and I have complained multiple times. XXXX XXXX also said she would stop all further calls and letters and collection attempts and we no received XXXX more letters since her response and calls. I am submitting the letters and envelopes with dates showing they have not stopped.
|
| 07/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I reviewed my consumer report and I know for a fact I never entered into a consumer credit transaction with EOS CCA. I've never even heard of this company before. I have never been in contract or contact with them. Nor have I given them consent to have my personal information. My consumer right to privacy has been violated. I wrote this company back in XXXX and I never received a response.
|
| 02/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I'M A VICTIM OF FRAUD AND IM REACHING OUT TO HELP ME IN EXPEDITING THIS MATTER WITH THE CREDITORS AND THE CREDIT BREAUS. HERES THE LIST OF ACCOUNTS ACCOUNTS -XXXX XXXX - {$300.00} XXXX XXXX XXXXXXXX XXXX - {$8600.00} XXXX - {$8600.00} XXXX XXXX - {$1700.00} XXXX XXXX -XXXX XXXX XXXX - {$540.00} -XXXX XXXX {$320.00} -XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX XXXX {$210.00} -XXXX XXXX XXXX
|
| 06/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This debt was disputed several times and no response was provided from the collector. I sent certified letters previously and the item was removed from my credit file. Then when the debt was sold to a junk debt purchaser, it was added back to my file. I then disputed it again with the collection agency and they have yet to respond and it has been well over the 30 day limit allowed by law.
|
| 12/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I learned that I had a debt of XXXX dollars and XXXX cents. I'm not sure where this debt has come from. I've attempted to find out where exactly this debt comes from with no luck using XXXX XXXX. Additionally I was able to learn that the credit agency that holds this debt is from an agency called : EOS CCA located in XXXX Mass. I contacted the number but was unable to speak with anyone.
|
| 10/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Via cfpb complaint response from EOS CCA on XX/XX/21, EOS CCA stated the following, " The account has since been closed, collection activity has ceased and our office will not contact you further. EOS CCA has already notified the credit bureaus to delete the above reference account from their records. '' There was a " NOTICE TO COLLECTION PLACEMENT '' dated XX/XX/21 mailed to a po box .
|
| 08/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Since XX/XX/2018 the company EOS CCA has been reporting false information to XXXX, XXXX, and XXXX. This company has committed fraud by reporting false information. I have contacted this company on several occassions and informed them that i have FULL MEDICARE COVERAGE and have for the last three years. I have mailed in documents. Also the creditor has billed MEDICARE and have been paid.
|
| 02/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The firm EOS CCA in XXXX, MA contacted me saying I owe thousands of dollars to a phone company I have never used. I mailed them a dispute letter. In response they mailed me a copy of a bill, which is clearly not mine : incorrect last name, incorrect location of residence, account number I do n't recognize, service provider I have never used, etc. The evidence shows the debt is not mine.
|
| 02/17/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This collection showed up on my credit report in XXXX and I did not know where and why it came from. Now that I checked my credit report they have re-aged this and dated it XXXX XXXX XXXX. There is absolutely no way I owe this and it got placed XXXX. I did n't receive a single notification about this, and how you can re-age some sort of collection, I believed re-aging is unfair practice
|
| 12/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent XXXX certified letters stating that I do not know anything about this debt. I have never had an account with XXXX and will not pay for something that doesn't belong to me. In the letters, I've asked them to validate that this debt belong to me but to no avail. Since they have not verified this information, it has to be removed from my credit report which they have refused to do.
|
| 04/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018 I mailed a letter disputing a debt collection that was inarticulacy file on my behalf upon review of my credit report I notice that I had a derogatory mark file by a company that I did not do business with in the amount of {$830.00} the company name is Eos Cca. I sent them a letter over a month ago and I still haven't got a response back addressing the false information.
|
| 07/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a letter from XXXX XXXX , XXXX dated XXXX XXXX , 2017 stating they represent a EOS USA and that I owe their client {$45.00} on a very old XXXX former XXXX account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.
|
| 03/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am a victim of Identity Theft. Someone has fraudulently obtain goods and services in my name without my proper consent.
I am not aware of the item in question on my credit report and have not lived in the residence that is listed on my said credit report. On several occasions, I keep receiving calls from unusual number and when I check my voice mail. There is silence on the line.
|
| 08/14/2021 |
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 disputed this account with the credit bureaus and the company ( EOS CCA ) more than three times. The credit bureaus keep telling me that the account has been verified. Without providing any information on how the account was verified. The company ( EOS CCA ) is not responding to my letters. All letters have been sent by certified mail and have been received by the companies.
|
| 08/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Contacted XXXX about an account listed as a collection in my credit file for EOS CCA. They were informed that I was seeking VALIDATION for this account as had no knowledge of if. I once had assumed it was something belonging to my ex-spouse but after speaking with her on this matter, I am at a lost. I need to know where to start with tracing this account back to the rightful owner.
|
| 03/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Now this account originally was with XXXX XXXX XXXX which was disputed in writing and then on this website which was removed and deleted. Which I have proof for {$120.00} back in 2019. Now I recieved a letter for the same amount for the samething but from a different collection agency. Now you are in several violations of the Fair Credit Reporting Act as well as HIPPA violations.
|
| 03/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
It was brought to my attention that EOS CCA claimed an alleged debt under my social security number. I disputed the Account asking for proper verification documents. EOS CCA failed to provide me with original documents with my signature. And continue to report these inaccurate reporting 's after failing to verify identity of said accounts. Violating both federal and state laws.
|
| 06/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
EOS CCA is reporting on my credit report fradulently for XXXX XXXX. I 've contacted EOS and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
|
| 06/30/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected.
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.
|
| 06/11/2020 |
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 requested on numerous occasions verification of this debt. I havent had a XXXX account in XX/XX/2019 or the internet, so this is invalid. They are still not removing this debt. I believe I already paid a lawyer to relive this due to being invalid but not for sure. They are not removing or validating the debt and it is violation. FCRA laws and damaging my credit score.
|
| 09/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Resolved a debt with origianal creditor payment confirmation # XXXX and was told that the debt was closed and returned and the original creditor also used the words released constantly reassuring me that the collection agency should no longer be reporting anything as they have regained the responsibility through payment, pulled my reports today and the account is still there.
|
| 10/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2017 The company EOS CCA reported a debt of {$200.00} to my credit union. This company has yet to issue me an contract or agreement made to verify the account. I have tried to dispute this acccount on three occasions with only response that it meets FRCA requirement. The company nor the credit union has yet to send me any documents to verify a contract with EOS CCA.
|
| 05/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
EOS CCA violated my rights pursuant to the Fair Debt Collection Practice Act. This violation is of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. EOS CCA is in clear violation and I belief EOS CCA does not own this alleged account.
|
| 08/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
This collection from XXXX XXXX has two issues. It is from over 7 years ago and they are trying to collect on equipment that I returned. I returned it with their self shipping label, and they refuse to provide it to me to validate that the equipment was returned. If they would just look into their system, and pull up the records they would clearly see that is was returned.
|
| 07/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
XXXX has placed me on collection for cable services to a person who is using services in the XXXX. They continue to attempt to collect on a wrongful account # XXXX. Services are being provided to an address in the XXXX where I do not reside or know anyone at this address. This is not my first wrongful debt incident with this company that I suspect is purposely doing this.
|
| 03/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
This company contacted relatives that I did not give their information to. I asked them how did they get that information, they would never tell me. They have been calling and not leaving a voicemail but continuously calling and saying nothing. The woman on the phone said they do n't make the calls but it is automated and they continuously call regardless of time of day.
|
| 05/03/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have reviewed a copy of my credit report and I show company EOS CCA ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
|
| 08/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I got a phone call from a company claiming to be collecting a debt from XXXX XXXX. I asked them to mail me verification of the debt including any contracts or paperwork signed by me. They did not send me verification of debt only a letter from them stating that they verified the debt. That does help me as I have no memory of this debt or doing business with XXXX XXXX.
|
| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Apparently I have a collection debt for an utility I know nothing about. I owe XXXX to XXXX and I dont even live in XXXX. I live in XXXX and actually live in a XXXX at the moment so I obviously do not need to have any utility on my name at the time XXXX does not have that information on my credit report but XXXX and XXXX do show me this problem in my collection debts
|
| 11/16/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX Service continues to call trying to collect a debt " allegedly '' owed by someone I do not know. I have repeatedly told the collection company I do not know the person they are looking for for and to remove my phone number from their list. As of today I received another call. BTW ( I have had this phone number for over 19 years ) and I am on the do not call list
|
| 11/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In my review of my credit report EOS CCA is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.
|
| 09/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notification that I have been placed in collections on XX/XX/2020 for an account that is not mine. The name of the collections company is EOS CCA and the amount is {$530.00}. As a result, my credit score has suffered immensely. I have reached out to the collections company and there has been no change. I need this account removed from my credit report.
|
| 08/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt collector is EOS CCA. This is for XXXX home. Bill is dated XX/XX/2015. Ammount on bill {$2600.00}. Agency claims I owe approximately {$1200.00}. Final bill was paid to XXXX immediately after I discontinued services and all equiptment returned within one week. Collection agency can not provide me with any documentation. I have explained that no money is owed.
|
| 07/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Bureau Name EOS CCA Original Lender XXXX XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Date Account Opened XXXX XXXX 2014 Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info
|
| 10/27/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on EOS CCA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from XXXX XXXX XXXX XXXX for debt that I do not owe. I searched the company and found several complaints about them fraudulently collecting debt people dont owe. I do not want to contact them and verify any personal information listed in the letter. I have not used XXXX in years and my account is clear.
It is dated XX/XX/2021 For {$40.00}
|
| 07/08/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They have repeatedly called my work phone -- over XXXX times in a single afternoon. I am at work and need to focus on working, not answering their calls. They would call my cell phone, then my work phone, then my cell phone again, etc. This is utterly distracting and I will call them back when I am not in a work setting -- which is completely unprofessional.
|
| 08/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XXXX XXXX. Final payment was paid on XXXX XXXX, 2014. Equipment was returned and the collector said that the charges were for " services '' and that the account was n't actually closed until XXXX 2014. We moved in XX/XX/XXXX to a new address. We also have XXXX XXXX currently so I 'm confused how we got service here and yet some collector has this as a debt?
|
| 10/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
EOS CCA collection agency reported an account to my credit on XX/XX/2020 for {$180.00}. I have never done business with this company and this account has affected my credit report significantly. I also never received a dunning letter or any other type of notification from this company.
I request for this account to be removed from my credit immediately.
|
| 12/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been receiving calls from a company called EOS CCA. When I answered, they asked for my sister and when I told them that I was not ( a ) a female or ( b ) that person the lady on the phone got chirpy with me and demanded the contact information for her. I informed her that this was illegal and I was going to file a complaint ( which I am doing now ).
|
| 06/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I submitted a dispute to EOS CCA also known as Collecto Inc., on X/X/17 regarding an unverified debt not owed. They are claiming account number XXXX for {$190.00} is valid. The debt is invalid and EOS CCA is not licensed or bonded to collect in the State of Wisconsin. I demand that they cease and desist all collection activities for the referenced account.
|
| 03/14/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
The EOS CCA with account number XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response and I have decided to seek your help to have this account blocked.
|
| 04/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt is on credit report, debt is from year XXXX, contacted debt collection by written debt validation letter XX/XX/XXXX, sent certified with signature conformation, never heard back from the company, conformation was signed XX/XX/XXXX, asking to remove debt cause it's too old for collections it's been 10yrs since acct was closed. No contract was signed.
|
| 03/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I get calls from " XXXX '' about debt collection. I have no debt and no outstanding loans. The number they call from is XXXX and I am supposed to leave a message for XXXX XXXX or XXXX. I have left numerous messages to please stop calling me and I am on the " do not call '' list and I have blocked this number, but I STILL keep on getting calls from them.
|
| 05/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have a debt collection agency calling to collect a debt that I do not owe. I send a letter to the agency requesting a Validation of Debt within 30 days. This time period has passed, and I have not received validation. I had also requested no further phone communication, yet I received another collection attempt over the phone on XXXX/XXXX/15 at XXXX.
|
| 10/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Debt was discharged due to switch over to new family plan around the end of XXXX to the beginning of XXXX. XXXX stuck me with a bill of XXXX dollars plus and extra XXXX dollar bill for interest, and other rate hikes, but the XXXX dollars is not mine nor is the XXXX to whatever it is. I been a victim of fraud I am a protected veteran and servicemember.
|
| 10/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
Collection company called EOS CCA called my phone number and required me to call them back. I was not the person they wanted to talk to. Under the law, if I called them back and the debt was mine, it would constitute my initiating contact and the statute of limitations would begin all over again. Their number is XXXX. This practice should be outlawed.
|
| 08/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX, consumer had in collections, was about to expire, due to debt being 7 years ago, when a new credit bureau picked up and began seeking action. Consumer was in the process of buying a home, and this impacted my credit in a negative way. Consumer settled debt, and now company is not removing from credit profile asking requesting by consumer.
|
| 11/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
EOS CCA repeatedly contacted my home and cell phone numbers over and over allegedly regarding a XXXX account. The account was paid directly to XXXX XXXX. Someone named XXXX kept calling and was speaking so fast that she could not be understood. She became abusive and started calling more when she was told to STOP talking so fast and to STOP calling.
|
| 06/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
XXXX XXXX XXXX SENT MY CHARGED OFF BILL OVER 6 YEAR PERIOD OVER XXXX COLLECTION AGENCIES, KNOWING TELEPHONE ( XXXX ) XXXX WAS USED WITH THE FTC I.D . THEFT REPORT SENT TO YOU IN XXXX WITHOUT ANY CCONCERN. AS A RESULT OF THEIR ACTION DESTRYED MY CREDIT AND NOW HAVE XXXX COLLECTION REPORTING ON ALL CREDIT REPORTS SINCE 2010 IN VIOLATION OF EVERYTHING
|
| 10/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon checking my credit report recently, i observed my credit score went down because of a collection item from a third party debt collector EOS CCA for XXXX that didn't belong on my credit report. After this on today 's date i debt verification letter was mailed to them certified mail, with a complaint from the XXXX to be filed at a later date.
|
| 01/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
XX/XX/2020 {$1900.00} contacted XXXX regarding old account. Attempted to dispute charges and was denied. Amount was charged to me for unreturned items to XXXX. I attempted to return cable boxes however XXXX would not accept or allow me to return all equipment no longer being used. This is affecting my credit and preventing me from buying a home.
|
| 06/21/2021 |
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 |
Servicemember |
|
The there was a dispute that came back unfounded. This mark on my credit report is well over 7 years old. The reporting is starting with a date of when the account was purchased by a collection agency which isnt legal. Its the EOS report on my cretic report which started from a XXXX account that was never mine well over 7 years ago. Thank you!
|
| 10/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I dispute this with credit Bureau and the Collections company claims to have verified the debt without sending me any proof or verification whatsoever.
I demand that they immediately remove the negative items on my credit report immediately or proof to me that I owed the debt by providing me documents and the original contract of the debt.
|
| 08/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Several times a week I get a call from EOS CCA saying that I have debt I need to repay. However, it is not my debt. I am completely up to date with all my bills and ALWAYS have been. I even called my utilities services to confirm and all said I do not have any outstanding balances. I tried to explain to EOS CCA but they continue to call me.
|
| 06/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted on XX/XX/2020 from EOS CCA about a debt in the amount of {$2400.00} from XXXX XXXX. This account was closed and charged off 3 years ago. I no longer owe this debt. I have contacted them to provide documentation of this debt from the original creditor and have not been provided the detailed documentation of this debt so far.
|
| 09/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A debt has appeared on my credit report from EOS CCA for some time. I have tried to dispute it in the past and it has never been removed. The original debt is from XXXX XXXX, a company I have not done business with in over 6 years. They are unable to provide me with any proof from this and it continues to appear with a new date every year.
|
| 10/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I received a letter that had my husband name on it and I call EOS CCA and I told them I received a letter and found out it was for my step son ( they have the same name ) and I was told that I had to return the letter and they refused to make the address as a bad address and then I ask to be transferred to a supervisor and was hung up one
|
| 06/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2020 I sent a debt validation to this collector with clear instructions to either provide proper validation of this debt or cease all collection activities including the reporting of this alleged account to my consumer reports. The collector did not provide any sort of response, much less proof of ownership of this alleged debt.
|
| 08/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Reported on my credit bureau is a false debt that I do not owe. It is over 5 years old and just now suddenly was reported. I never got a bill from XXXX XXXX in the year 2011 and I do not owe this debt of {$72.00}. My credit needs to be clear as I am refinancing a loan. This is not a true bill and must be removed from all credit bureaus.
|
| 04/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
There is a {$730.00} balance through XXXX XXXX XXXX XXXX that XXXX XXXX XXXX claims to have no knowledge of. They keep asking about services I have never had through XXXX XXXX XXXX and there is no number relating back to my name or social. XXXX ( XXXX XXXX ) is the creditor and I keep receiving mail from them about this anonymous debt.
|
| 08/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
A company called EOS collections has contacted me on numerous accounts about a debt I do not believe I owe. I have asked on four separate occasions for them to either provide validation of debt or cease and desist all contact. They continue to call me as recently as this Friday XXXX. But refuse to mail a debt validation to my address.
|
| 05/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I placed a dispute on a XXXX bill from 2014. On my XXXX credit report it says Closed report :, Collection account information disputed by consumer meets FCRA requirements. However when I look at my XXXX report they still have the account as opened. I called the collector of the account EOSCCA they are the fourth party to own the debt.
|
| 06/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail.
1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
|
| 04/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I am unaware of this debt, I have disputed it several times but it remains on XXXX of my credit reports and is hindering me from XXXX. I have even offered to pay a portion of the debt with the debt collector without verification just to avoid the hassle of dealing with this. They have refused to send me any verification of this debt.
|
| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
EOS CCA Has violated my rights.. I have never contracted with this company... I demand they remove this in accurate information, that has been harming me. I have been denied multiple opportunities because of this erroneous information.
I demand maximum penalty, damages and fines For the damage to my name and hindrance upon my life
|
| 07/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
EOS CCA Debt in the amount of {$560.00}. I have disputed this information with the company. I have also reached out to XXXX the original creditor they claim the debt is from and filled fraud investigation with XXXX. Eos cca still have not removed the negative information from my credit reports which only reports on XXXX and XXXX.
|
| 06/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
This is apparently a debt owed by my husband 's son XXXX XXXX. They call almost daily and I 've told them he 's a XXXX yr old man who does not live with his daddy. They call from XXXX. They said they are with XXXX in XXXX Mass. although that is not a XXXX area code. Address I was given by a XXXX was XXXX XXXX XXXX XXXX Mass. XXXX
|
| 12/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
Received correspondence from EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor XXXX bank. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt.
|
| 05/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
contacted by a collection agency AFTER they put it on my credit report in XXXX XXXX they are attempting to collect monies from XXXX who says they did not hire them as i have a current account with them. i did have a dispute with XXXX over XXXX years ago and never received a final bill from them the company name is EOS COLLECTIONS
|
| 10/19/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I lost my job in XXXX. XXXX XXXX put me in collection then and statute of limitations is almost up. My job loss led to poor credit. EOS CCA has stated debt began in XXXX in order to try and collect a debt. They are dishonest and unethical. Please fine them for their dishonesty under federal statute.
XXXX XXXX XXXX XXXXXXXXXXXX
|
| 02/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have no idea what this pertains to. I have received numerous emails from this company. I have not authorized them to contact me via email. The email asks for me to enter personal information and I refuse to enter any personal information in order to receive the attached document. For all I know, this could very well be a scam.
|
| 11/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
EOSCCX company out of Idaho acquired information via XXXX and without authorization used my Social Security Number to run down my credit on an account already reported by XXXX. When I requested that XXXX remove the redundancy, XXXX did not comply and claimed that they had right information so this company can run down my credit
|
| 07/20/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I was never informed that we had a right to dispute. I try to pay a little bit every month but I have informed them multiple times that I must receive a statement every month if they want to be paid. Then when they do n't get paid they start harassing me. I am never sure if they are actually posting the payments to our account.
|
| 04/10/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Creditor -EOS CCA Recent Balance - {$1300.00} Date opened - XX/XX/2017 First Reported- XX/XX/2017 Original Creditor - XXXX XXXX The Debt was Charged Off, Sold to another creditor and now the new creditor is reporting the wrong balance on to my credit report. I would like for account to be removed concluding this investigation.
|
| 12/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I requested that this company validate this debt (see attached), which they failed to do, I do not know what it is for, because they failed to validate it, and I do not know what the heck they are doing on my credit report! Please help me! I'm trying to buy my first house, and I don't know why this company keeps harassing me!
|
| 01/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I had an account with XXXX that has been sold to a company, this account has been re-aged I have the original last bill and the dates are not the same I have asked multiple times for the creditor and the credit agencies to remove this and they have ignored my multiple attempts to have this corrected and removed from my credit
|
| 11/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A collections agency EOS CCA offered an resolution of debt authorized by client with a lump sum settlement of 55 %. I paid this to protect my credit. Some time later another company XXXX XXXX XXXX wants the remainder of the balance. I sent XXXX a copy of the settlement statement from EOS and proof of payment with no resolve.
|
| 01/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX reference # XXXX This company is trying to collect a debt from me in reference to a XXXX XXXX bill of {$190.00}. I have never used or setup a service contract with XXXX XXXX. I have come across this issue because of checking my credit report and see this listed under collection accounts.
|
| 02/26/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
HI, The company EOS CCA XXXX XXXX XXXX XXXX XXXX XXXX keeps sending me letters when I 've told them over and over that I never had this account with XXXX XXXX XXXX balance at all XXXX XXXX XXXX verified that there is a XXXX balance since XXXX account # XXXX Please get this company to STOP Thank you XXXX XXXX XXXX XXXX XXXX
|
| 09/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
EOS CCA has caused harm To my credit score overnight. They put a unverified debt of XXXX in collection and reported to two of 3 credit bureaus. The so called XXXX claim was old previously disputed frudarant debt of XXXX. This debt was disputed twice from two prior collection agencies that went no where over two years ago.
|
| 08/16/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I been trying to get in contact with XXXX XXXX, I want to inform about an error that I noticed on my XXXX credit report for {$950.00}, this company claims to didnt receive equipment which I personally dropped off in one of their stores in XXXX NY.
I also have my receipts of the returned equipments back in XX/XX/XXXX.
|
| 04/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company is reporting a ticket I receive in XXXX as a new charge off in XX/XX/XXXX on my report and refused to remove it even after I have paid. Tickets are not suppose to report on credit reports. Also this debt didnt arise from a contract I agreed to pay so shouldnt be reported as a collection on my credit report
|
| 01/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have mailed out a letter asking for validation on XX/XX/19. Im waiting on a response from the company. I keep receiving multiple calls throughout the whole day and I have asked for this to stop. They continue to calm me repeatedly without responding to my mailed correspondence. A letter to cease will be mailed next.
|
| 04/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
XXXX XXXX placed the account on my credit report same name but incorrect social - its similar but not mine - so I believe it was fraudulently used. The EOS company is reporting on my report and its inaccurate and not my account.
When I called they said my last 4 were not what they had but similar - and hung up on me
|
| 07/25/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
EOS CCA, acting on behalf of XXXX XXXX XXXX XXXX XXXX, has re-aged a XXXX XXXX account that went into collections back in XX/XX/XXXX and are reporting it on my XXXX credit report as XX/XX/XXXX. I have filed disputes to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get this item corrected.
|
| 02/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have written EOS CCA dispiting this and asking for validation. They do not respond but keep mailing me settlement offers. This is not mine and I demand they cease and desist collections efforts, remove this from their database, and they best not be reporting this to the credit bureaus ; if so they MUST delete it!!
|
| 01/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I finished a 2 year contract with XXXX and switched to another phone company where the balance was to be paid by the new company for making a change to them. The balance was sent to collections while I was unaware and they claim they are unable to delete the item from credit report even after I pay the full balance.
|
| 06/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collections Agency = EOS CCA ( Original creditor = XXXX XXXX ) XXXX XXXX XXXX XXXX, MA XXXX Date : XX/XX/2018 Amount : {$160.00} This debt is not mine nor have I ever received any type of documentation or communication regarding this matter. This is in direct violation of collection activities and FDCPA governance.
|
| 11/16/2021 |
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 |
|
EOS CCA IS REPORTING A FRAUDULENT ACCOUNT ON MY CONSUMER REPORTS. I HAVE CONTACTED EOS CCA SEVERAL TIMES AND THEIR RESPONCE IS THAT THEY DO NOT HAVE A CONTRACT TO SEND TO ME AFTER REQUESTING DEBT VALIDATION. I HAVE NO CONTRACT WITH EOS CCA. EOS CCA HAS COMMITTED FRAUD BY PLACING THIS ACCOUNT ON MY CONSUMER REPORT.
|
| 04/26/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
Servicemember |
|
EOS CCA has made excessive and numerous harassing phone calls to my employer, in violation of the FDCPA. They have used intimidation and fear tactics to extract private personal information from my employer. They have also caused undue harm and tarnished my reputation by use of their illegal and immoral tactics.
|
| 03/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was receiving bills that I did not owe. I used XXXX as my prepaid subscription before and not what it says in the debt collectors. I always use an autopay for my cellphone subscription. Whenever I got a late payment, they automatically cut the line, so how can I have a bill such as this? This company is XXXX.
|
| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX I received a letter from EOS CCA in reference to an alleged amount due to XXXXXXXX XXXX for {$68.00}. To my knowledge, I have never agreed to do any business with EOS CCA. As of my right, please provide written validation of any business agreement with your agency ( EOS CCA ) per FCRA regulations.
|
| 08/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have submitted several request for debt validation to EOS CCA, XXXX XXXX & XXXX XXXX XXXX who are reporting negatively on my credit report and they have failed to provide any proof of my debt.
They have continuously updated the info with the credit bureaus on my report but failing to provide me verification.
|
| 12/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have XXXX collections accounts in my credit report, XXXX for the same collection agency, and both to the same original creditor ( for nearly the same amount ). I have requested confirmation of ( and information for XXXX both of these accounts by certified mail, and I 've received NO response from the agency.
|
| 05/13/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Im a costume of XXXX and my account is correct and pay every month on time, but for some reason they have a next account in my name that doesnt belong to me and XXXX wants me to pay for this account what doesnt belong to me because I only have one account with them, it was removed before from my credit report
|
| 01/11/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
This loan was included in a 2009 bankruptcy under XXXX and now under XXXX they are trying to collect as well as declaring me deceased, which I obviously am not. This loan was not valid as XXXX XXXX was supposed to recall full loan and school not attended due to illness which resulted in subsequent bankruptcy.
|
| 09/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This reporting agency is reporting on my credit. I have no idea who this is and never had XXXX. I contacted them directly and they would not help identify how or what this bill was.
I requested proof regarding this account and she denied me. XX/XX/2020 when called. She then hung up on me and said good luck.
|
| 02/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a letter via certified mail to EOS requesting that the validate the debt. The letter was signed on XX/XX/XXXX. EOS sent me a settlement offer. I sent out a second request and disputed with XXXX XXXX XXXX. They are reporting as verified and meets the FCRA with no actual proof that it has been verified.
|
| 07/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
This is a debt that I paid for cable service years ago when I turned in my equipment. This company placed this on my credit report before they even mailed me a letter so that I could dispute it. I checked my credit report the day that I received the letter from EOS CCA and it was already on my credit report.
|
| 02/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX sold a debt that is not mine to a collection agency that is on my credit report. I sent numerous documents to prove it was not me including a XXXX XXXX XXXX certified letter stating that I was incarcerated at the time in question. Still they refuse to remove this negative report from my credit report.
|
| 07/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
EOS CCA has listed a debt of ~ {$490.00} for " ATT MOBILITY '' on my credit report and refuses to validate my debt and will not remove the record.
Specifically they say my last payment was on XX/XX/XXXX and is schedule to continue on record until XX/XX/XXXX. It is currently registered with XXXX and XXXX.
|
| 12/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have not had XXXX XXXX for over 6 years and i never owed anything when i closed my account. I paid it in full. I now have a collection on my account from a collection company for this account. I have tried to have it removed by addressing it with the credit bureaus but have had no success. Please help.
|
| 12/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have XXXX collections accounts in my credit report, XXXX for the same collection agency, and XXXX to the same original creditor ( for nearly the same amount ). I have requested confirmation of ( and information for ) XXXX these accounts by certified mail, and I 've received NO response from the agency.
|
| 01/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information was given regarding the account. Violates federal XXXX XXXX XXXX also no medical release given and eligible to collect on debt per Section XXXX ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 01/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2018 Account type Collection Department / Agency / Attorney Balance Loan Amount {$550.00} {$550.00} Payment Info Original loan amount {$550.00} Balance {$550.00} Updated on XX/XX/2018 Contact XXXX XXXX XXXX XXXX, MAXXXX
|
| 03/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I am receiving harassing, threatening phone calls and phone calls of death threats from representatives from EOS CCA debt collection agency in regards to a debt owed to the original creditor : XXXX XXXX. This debt do not belong to me and is the result of identity theft. I am a victim of identity theft.
|
| 12/14/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I received a first demand notice XX/XX/2016. I called because I have been paying monthly payments as agreed upon. I was told that I was only paying interest and could I get someone to pay off the debt or increase my payments. I am paying as much as I can monthly. I receive penalized early retirement.
|
| 03/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX has been sending me collections notices in the amount of {$220.00}. 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 a contract with my signature.
|
| 02/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
EOS CCA reached out to me on numerous occasions about a debt to XXXX XXXX. I advised them that the account was involved in some type of fraud and that I was in the process of filing a complaint with the state of New York, but they have continued to call. They have even gone as far to call relatives.
|
| 12/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
EOS CCA LOCATED AT: XXXX XXXX XXXX XXXX, MA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF XXXX. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 04/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
EOS CCA collected money on a debt that XXXX said I had, but I did not have. I paid it to get rid of both companies. However, last week I was notified of the class action lawsuit filed against XXXX and also found out that XXXX lost. I am a member of that class because of this debt that was not owed.
|
| 06/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Filed a complaint about another debt collector on this issue in XX/XX/2015. See file XXXX. Another debt collector EOS CCA is trying to collect on the same debt on behalf of XXXX XXXX XXXX although the debt is not mine and the previous collector removed this debt from my credit report in XX/XX/2015.
|
| 08/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had a lease with a friend of mine and he defaulted on his half of the lease so i paid for him but then they put a XXXX collection on my report and have not been able to show me a breakdown for how it got to be so high. We left the place clean so they could rent it out and i paid for my roommate.
|
| 05/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/2020, a company called EOS CCA started reporting 4 medical collections on my credit report. I have yet to receive any type of corresponce from the company regarding this debt. I should have at least received a debt validation notice in the mail, but I haven't even received a phone call.
|
| 03/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Ive contacted the company multiple times in regards to remove the debt from my credit report. Ive asked for validation ; and received no response at all. Ive asked for validation as well.
The first letter was sent XX/XX/XXXX Second letter was sent XX/XX/XXXX Third letter was sent XX/XX/XXXX XXXX
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$29000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$320.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$560.00} - DATE OPENED : XX/XX/XXXX - ACCOUNT NUMBER : XXXX
|
| 04/14/2022 |
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 also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 08/12/2021 |
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 also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 03/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX started sending me a bill for an account that is not mine. I do not have XXXX. I have XXXX XXXX and XXXX XXXX XXXX. No landline. XXXX failed to produce any proof that this account is valid and not fraudulent. I contacted XXXX four times and they obviously ignored me.
XXXX Account no. XXXX
|
| 12/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I have received letters and marks on my credit report for several account in the office of EOS CCA # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , MA XXXX I have requested a proof of claim and validation before any legal actions can be taken. I never received a response back it has been over 30 days
|
| 07/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
EOS CCA is attempting to collect for XXXX XXXX I do not know. I have not received any documented letters from EOS CCA. I checked my credit and found out of this collection. They did not give by law my 30 day right to dispute, and they are in clear violation of the 30 day right to dispute law.
|
| 08/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
EOS XXXX debt collection agency is auto calling the above phone number with automated requests to call. I have never contracted to work with this company, and the only debt I can attribute these calls to is in excess of 10 years old and has been disputed since day one. I do not owe this debt.
|
| 12/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have disputed this account many times with no results, upon " verifying or validating '' i received a bill which does not meet FCRA requirements, i have emailed, faxed and certfiied mailed a copy of my identity theft report with no response. I am attaching that information as follows also.
|
| 04/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'm filing this complaint against EOS CCA for not providing proper and timely proof of validation of debt-based upon the FCRA. I asked for this on XX/XX/2022 and have yet to receive that proof. I'd like to document this complaint as inaccurate and without valid proof.
Thank you, XXXX XXXX
|
| 03/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have found these fraudulent accounts on my credit reports and I have no knowledge whatsoever of these and they do no belong to me and this has caused me great XXXX and XXXX and having the collectors keep pushing to try and collect money for something that is not mine and I never opened.
|
| 04/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
EOS CCA placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
|
| 05/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I requested proof of ownership, with any documents bearing my signature as proof and all I received was an itemized bill. Then On XX/XX/2019 it was removed from my credit report, only to see it back on my credit reports and I am again receiving letters and phone calls regarding this bill.
|
| 03/25/2022 |
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 |
|
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
|
| 12/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Alleging I owe on a XXXX phone bill, however I 've never had said lines. None of the lines had any usage and that is suspicious. I 've had XXXX for over 10 years. Sent me paperwork with my name on it when I requested validation, could have been forged. Nothing with my signature was sent.
|
| 01/27/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Us asset management hasn't given me proof that I owe that balance, they have no contract with my name on it, I am XXXX and I have no recollection because they need proof that the debt belongs to me and they haven't proven anything, I don't owe the debt., that is why I am not paying it.
|
| 09/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted EOS in regards to a XXXX debt. We made arrangements for me to pay off {$540.00} of a {$720.00} debt. The representative told me that once the debt is paid off, it would show as a zero balance on my credit report. I asked for them to put that in writing, but they refuse to.
|
| 01/04/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have attempted to reach XXXX wireless to itemize this bill without success. I am unclear about the charges that are being represented. Furthermore, both XXXX XXXX and a third party collection agency are attempting to collect this debt, which would result in significant overpayment.
|
| 01/19/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This debt is not valid and I DO NOT OWE this debt. We are still customers with XXXX XXXX XXXX XXXX. We moved from one location to another location and kept the service. If we owe this debt, why didn't they just shut our service off which we have had at the new location for two years.
|
| 10/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I settled a debt of XXXX with XXXX for XXXX in XXXX. I have attached a copy of that payment from my bank statement. They removed the balance on the XXXX account but have now placed the remaining XXXX with a company called EOS. This is a violation of federal law and likely usury laws.
|
| 07/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The account # on these accounts is Eos CCA- XXXX XXXX XXXX XXXX- # XXXX These accounts do not belong to me. I have attached my affidavit of forgery on a police report. I have also attached a copy of my id as proof of my identity. I have also contacted the FTC concerning this matter.
|
| 03/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
XXXX # XXXX XXXX XXXX XXXX, XXXX, MA XXXX has placed a collection on my credit reports. This is for an XXXX account that I did not authorize. They have never been able to show me where I signed for this account. Please have them remove this negative information from my credit files.
|
| 10/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 EOS CCA sent a form to me the consumer XXXX XXXX stating I owe them an alleged debt. I do not owe this alleged debt and I refuse to pay. I did not give EOS CCA consent to contact me the consumer or my Organization XXXX XXXX which is a violation of 15 U.S.C1692b ( 2 ).
|
| 03/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
My wife and I keep getting phone calls from EOS CCA XXXX Ma XXXX the phone number is XXXX. For almost a year they having been harassing us in an attempt to reach a XXXX. My wife and I have told them that we are not or do we know XXXX Pleas tell EOS CCA to stop calling XXXX or XXXX.
|
| 12/05/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
My loan was in default and my wages have been garnished for totaling per month XXXX for the last 32 months. I have repeatedly contact my my student loan servicer, Collecto, EOS CCA who only want to offer me a total pay off. They are not even able to provide me with a total balance.
|
| 06/29/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
XXXX University ( XXXX ) XXXX TRUE EOS XXXX XXXX XXXX ( XXXX ) XXXX SCAMMER I have a debt with XXXX University and the rep XXXX XXXX stated that they did not sell my debt to anyone. However, a company called EOS and XXXX XXXX lied in order to collect financial information from me.
|
| 08/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Please help assist me with an account that is listed on my personal credit file which I have disputed and requested validation and nothing. This is an unknown account as I have never done business with a company called EOS and do not have any outstanding amount owed. Please help
|
| 06/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I seen that on my XXXX XXXX account that my score went down by 88 points due to a Eos Cca ) XXXX? From XX/XX/2018? I have no idea what that even is.. I have not apply for anything or nothing..only bill I have is a car payment! I just had a credit repair company fix my credit!!!
|
| 12/23/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
EOS CCA is reporting a collection as though it just occurred and that is not the case. There has been no service with XXXX for several years. They are reporting this as a very new account. It passes from once collection agency to another and each report it as a brand new date.
|
| 02/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a collection account on my 3 credit reports from XXXX XXXX/XXXX XXXX for XXXX $ which was already paid. I tried to reach out to the company to get this account removed but was not successful. Account name is listed as XXXX on my credit reports with a date of XX/XX/2016
|
| 07/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Since our Joint Chapter XXXX Bankruptcy was DISCHARGED on XX/XX/2017, XXXX XXXX CONTINUES to harass me, XXXX XXXX XXXX, via miscellaneous collection agencies. My attorney 's well aware of this.
For more details, please see the attached documentation or contact my attorney.
|
| 03/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
For the past two and half years, XXXX keep saying I owe them {$68.00}. I dont know how, because I dont have no service with them for the past 7years. They said they have fix that .but last week I received a letter from EOS CCA collection agency to collect this same {$68.00}.
|
| 11/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I HAVE BEEN CONTACTING EOS FOR YEARS TRYING TO HAVE THEM MAIL ME DEBT VALIDATION. THEY CONTINUE TO MAIL ME A BILL. ANYONE CAN GET A BILL IN SOMEONE ELSE 'S NAME. I NEED THEM TO SEND ME THE ACTUAL CONTRACT THAT HAS MY HANDWRITTEN SIGNATURE ON IT. EOS/CCA REFUSES TO DO THIS.
|
| 10/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX/EOS CCA We returned the XXXX equipment and requested the service on hold. However XXXX claimed that they did not receive the equipment from us and receive the request for " Hold on service ''.
Now several years later, EOS CCA has been sending a invoice of {$870.00}.
|
| 04/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, XX/XX/2015, I received a demand letter for {$460.00} regarding a collection debt from EOS CCA.
I am disputing this debt of {$460.00} because, it does not belong to me. This is a fraudulent account opened as a result of identity theft with out my knowledge.
|
| 02/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on EOS CCA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 07/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
ESO CCA added a old bill to my XXXX Report that was more than 7 years old and report it as new and recently open. It was removed from other 2 credit agencies but XXXX won't remove after dispute. Is it not illegal to recycle old debts as new and credit agencies allow it?
|
| 04/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
contacted eos to validate that the account was mine. they could not provide me with any information but they sent a bill to me. Asked them to remove but they still did n't. XXXX and XXXX has the incorrect birth year for me and I believe this belongs to someone else.
|
| 12/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
someone used my stolen identity information and created several accounts including this one from getting services and things that i was not apart of yet the information that was stolen was used this account is fraudulent and from id theft and needs to be taken off asap
|
| 08/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Debt collector never attempted communication with me and just put and old debt that was discharged in a bankruptcy on my credit report. Furthermore, the state of TN requires debt collectors to hold a valid TN collections license which this debt collector does not have
|
| 03/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Hi : This is XXXX XXXX, XXXX again. I got a call from EOS in California. Phone number : ( XXXX ) XXXX. They say they are collecting for a XXXX debt. As I said before XXXX told me I have no outstanding debt with them. Another company in Indiana said they same thing.
|
| 08/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I wrote EOS CCA ON XX/XX/21 asking for validation of a debt. They never sent validation and also put on my credit report that I disputed the debt. I called them they said they received the validation letter on XX/XX/21 and was not required to to send me validation.
|
| 11/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
The information for the collection agency as it appears on my credit report. I have tried to contact the company by US Mail to settle the debt. They have not responded and there is no contact phone number.
Creditor Information EOS CCA XXXX XXXX XXXX XXXX, MA XXXX
|
| 04/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
I have sent this debt collector several letters using the available templates letting them know I am not liable for the debt they are attempting to collect and to cease all communication with me. They still continue to call me regularly and do not leave voicemails.
|
| 06/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The collector debt company Name EOS/ CCA XXXX I think they are Fake collection agency because they send me the collection notice that I owe money frome XXXX XXXX cable company at the address that I do not live in or have anything to concern about the service XXXX.
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
EOS CCA - # XXXX : I do not owe this debt. I have always paid my bills on time & never received any notice that I owed this. This is in violation of my 30 day right to dispute. This needs to be removed from my credit file as I was never notified about this debt.
|
| 05/19/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The Collection company has provide wrong Account information. I return the items and was billed for items when they was not in my procession.This is against my consumers rights and want them to be remove from my credit asap. or i will have to take legal actions.
|
| 07/16/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for 9 years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.
|
| 10/08/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
Collection Agency claims that I signed a Loan Document electronically for a Private Student Loan thru XXXX College. The loan was supposedly electronically signed on XXXX/XXXX/2006. However, I didnt sign any enrollment papers for XXXX XXXX until XXXX/XXXX/2006.
|
| 04/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
they say that i owe a cell phone bill from att and the last time i had att account was 2006 i called att and they cant find account that belongs to me and this company insists on collecting this debt and also reporting on credit file as a new debt .. thank you
|
| 08/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I returned the equipment for this account this was over 7 years ago I settled with this company, I keep on seeing this on my credit file over and over again even though I am no longer liable for this account have I already settled with this company in 2014.
|
| 06/29/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This debt is not mine. I have a son with a similar name thatwent to this XXXX, I have never gone to this dentist. I am a XXXX year old man the patient is XXXX, I dont live with him, have a different address etc ...
Why am I responsible for his medical bill
|
| 01/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
I get repeated calls for " XXXX '' from XXXX, Wisconsin. I am not XXXX, nor do I live anywhere near XXXX, Wisconsin.
They call on almost a daily basis. Today when I asked them where they were calling from, they said XXXX and gave me some severe attitude.
|
| 10/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please review attached documents. EOS CCA has contacted me after given a cease and desist, never rebutted the affidavit of truth line by line, never paid specified remedy, still stated that I owe a debt. They're in violation of 15 usc 1681 & 15 usc 1692.
|
| 06/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I made an agreement to pay a debt in full with a promise from the debt collector that the debt would be deleted from my credit report. I kept my promise and paid {$340.00} on XXXX-XXXX-2019 in full. This collection agency has failed to remove this item.
|
| 04/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recieved the enclosed bill asked for verification/authorization to bill my insurance company To date I have recieved the requested information.The medical provider XXXX XXXX attempted to bill XXXX my insurance company for a service I did not authorize
|
| 04/14/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They will not give me any information about who they are. They ask to speak to me but will not identify themselves. I am hesitant to give them my personal information without verification of their identity. They call me numerous times every single day.
|
| 05/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I had my XXXX credit report done on me ... .and it turns out that my identity was stolen ( back in XX/XX/XXXX/XX/XX/XXXX ) ... .without my knowing ... .and my information was used to open several accounts. I have file a police report stating the theft.
|
| 04/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.
|
| 05/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On my XXXX account I am showing a balance of XXXX on my debt. XXXX from eos cca and XXXX from XXXX XXXX XXXX for debt collectors. Bill Should only be XXXX from XXXX. I dont know who to pay with multiple inquiries on my credit report for the same bill.
|
| 06/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
Older American, Servicemember |
|
Withdrew funds from my XXXX XXXX bank account for {$2000.00} when I had not authorized them to do so. Bank reversed transaction since I did not have the funds available. I have since changed bank accounts and continue to be harassed by this company.
|
| 04/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have filed identity theft reports for XXXX collection accounts. These accounts are not mine and could be a result of prior identity theft and fraud.
Account : EOS CCA Original Creditor : XXXX XXXX Balance {$180.00} Account : XXXX XXXX {$200.00}
|
| 06/04/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have never once held a cell account or phone with XXXX. I do not know what the debt is for with XXXX and noone tells me why they keep reporting it. Again my service was never with XXXX My business line is the only XXXX i have and that is current.
|
| 10/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I just had gotten an notification from my credit report saying I had an an debt collection which was new to me. And it popped up as EOS CCA. Saying I owe XXXX that I dont know about and also it was giving an address that I never been to in my life
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
I checked my credit and saw an account from XXXX. I never receive any correspondence about this debt or how to dispute it. I am a military spouse and my husband was recently killed overseas. I am homeless and have to find housing for me and kids.
|
| 11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not recognize the account named EOSCCA the amount they say I owe is {$650.00}. I have not opened any such accounts as of XXXX of 2020. I would like for this account to be removed immediately it is hurting my report and does not belong to me.
|
| 01/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
EOS CCA # XXXX is reporting an account to my credit report with a balance that should not be on there. I paid off this balance more than a year ago and it is still reporting a balance to my credit. This needs to be updated or removed immediately.
|
| 10/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company is continuing to call looking for another person who owes them a debt. I 've explained for 4 months this is n't his number. They continue to call, even though I 've told them this is no longer his number. This has become harrassment.
|
| 07/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
|
| 06/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
|
| 07/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account is not mine was disputed back XXXX ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to XXXX and XXXX , please see attachment credit report.
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
EOS CCA is reporting collection on my account that is Erroneous!! This debt was paid before it went to collections. I t should have never went to collections in the first place. Also, I never got a notice of any from this collection company.
|
| 10/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Receive calls multiple times a day from XXXX, XXXX XXXX. It is as recording saying I owe money and to stay on the line. I have never owed money anywhere. This is harassment for something I do not owe. Could be a scam trying to collect money.
|
| 02/12/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
I checked my credit and I discovered false information on my credit report. They have the wring birthdate and I never used XXXX XXXX, XXXX, eos cca, eos caa. I dont use my credit. I requested this information be removed and I heard nothing.
|
| 07/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
XXXX SOLD MY ACCOUNT TO 11 COLLECTION AGENCIES IN XXXX AND ARE STILL REPORTING ON MY XXXX. THESE ARE TIME BARRED AND THE SOL EXPIRED AS A RESULT XXXX PUT A FREEZE AND WONT LIFT IT UNTIL YOU CONTACT THEM MAKE SURE YOU GET LETTERS FROMTHEM.
|
| 08/13/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
EOS CCA. Attempting to collect a debt for {$600.00} account open date is XXXX XXXX. This is not my debt. I have told the company this. I have disputed the information on my credit report and they refuse to delete the incorrect information.
|
| 07/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I found an account that I did not recognize so I called and the adress and phone number that they had we're not any that I have ever used and the date in which the account was opened I was not living in the state in which it was opened in
|
| 01/03/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I received a call from someone identifying them selves as EOS CCA refused to tell me why they were calling unless I gave them personal information the caller id number was a XXXX number when I asked him where was calling from he said XXXX
|
| 04/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My mother fraudulently opened a XXXX account sometime between XXXX and XXXX. I have tried multiple times since then to have the account closed and removrd from my credit history. Not only was it fraudulent created it's been over 7 years.
|
| 05/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I told XXXX, and now EOS CCA, that the XXXX dollars is not mine, and it should not be on my credit report none whatsoever. Debt was absolved through verizon, but now they are going to say I owe them, and those clearly are not the facts.
|
| 07/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a written dispute letter to the EOS CCA with proof of the date of delivery being XX/XX/2022 its been 30 days which is the time they had to respond to the dispute but theyve failed to respond. The amount of the debt is {$700.00}.
|
| 05/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The following accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately.
1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 ) XXXX XXXX XXXX XXXX ( XXXX )
|
| 12/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.
|
| 06/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XX/XX/XXXX, XXXX this company has called several times asking for a XXXX XXXX or XXXX XXXX and a XXXX XXXX. I have explained to them multiple times that I do not know that person and to stop calling my number but they refuse to do so.
|
| 02/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX, forward correspondence stating I owe XXXX {$120.00} ; which I'm a current XXXX customer. I ask for billing information, to speecify my charges and what and how I owe. Yet, keep get new correspondences with my previous addresses.
|
| 09/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/2018, I sent a letter EOS CCA and asked they send me verification ( contract/lease/signed statement ) of this debt and they sent me a bill. In XX/XX/2018 I sent a second later and have not received anything back from them.
|
| 12/14/2017 |
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 |
|
I have told this Company 's my bill should not be with you. The State of New Jersey do not have this Company 's is not listed with New Jersey Banking and Insurance so they can not collected a payment from me. Need your help please.
|
| 08/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
I have collections on my credit report that are not valid. These are account that have been charged off. The accounts are 4, 5, 6 years old. This counts as XXXX derogatory marks on my credit report. I want them removed.
Thank you.
|
| 10/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
they called asking for a XXXX XXXX I 'm am not that person I explained to them and they basically called me a liar and refused to stop calling me the phone number they called me from is XXXX EOS-CCA Debt Collector in Massachusetts
|
| 01/26/2022 |
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
|
| 02/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I've written several letters to EOS CCA LLC and requested documentation and asking why they are reporting on my credit. they have sent me nothing in the mail but continue to harass me at work and on my cell phone! Please help me!
|
| 05/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have an account negatively reporting on my credit report as EOS CCA dated XXXX which was from an original creditor XXXX XXXX XXXX from XXXX XXXX. I would like this to be taken care of. I 've disputed this and they did nothing
|
| 07/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
EOS CCA called X/XX/2017 asked for personal information. Never sent a letter stating who they were or what they wanted. started calling again a month later never stating who they were or why they were calling again no letter??
|
| 07/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Two calls per day during work hours. Phone number used is XXXX. I have no account with this company so this is unsolicited communications. Any debt is invalid and any negative reports on my credit should be removed promptly.
|
| 11/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called the company numerous times finally they agreed to remove it from my credit. They only removed it from one bureau. I am trying to buy a house and I do not want this on my credit at all. It is a debt that I do not owe
|
| 09/24/2019 |
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 |
|
|
Eos CCA # XXXX is reporting a new collection that I never received any notice or 30 day right for. I had no idea that this collection existed until I saw it on my credit and it is in Violation of my 30 day right to dispute.
|
| 06/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
never heard anything now all the sudden I have 2 different collection companies for the same debt with no license in Texas to collect delete it now the statue of limitations is over my next step is sending this to my lawyer
|
| 12/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt was listed on The affidavit of identity theft. I have contacted the credit bureaus, they removed and reinsterted the debt. This is a violation and I will Persue a lawsuit immediately if not removed. From my credit
|
| 02/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Written letter XX/XX/2019, saying XXXXXXXX XXXX authorized them to collect half of a debt that I have never seen before in my life. Most recently I was a XXXX customer, it's been years since I've had a XXXX XXXX account.
|
| 04/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This is the XXXX time I have received a statement from EOS CCA/XXXX XXXX saying that I owe a debt to XXXX XXXX XXXX XXXX. I have contacted XXXX and they have no idea what this could be and said that I do not owe anything.
|
| 03/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a debt collection for a utility bill I never used. The services appear to have originated from the creditor XXXX XXXX. I have never used services with this company nor provided anyone else my information to do so.
|
| 07/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft. I have been receiving harassing and threatening telephone calls, along with death threats from EOS CCA representatives for a fraudulent and unauthorized account that do not belong to me.
|
| 09/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is not my debt. I have submitted numerous times prof of debt and never received anything other than it was validated. It is showing as a charge every month which is not legal and still showing a balance due.
|
| 02/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
EOS CCA has been reporting an open account on me credit report since XXXX.
My account was closed by XXXX in XXXX.
The company keeps re-aging my debt, most recently from XX/XX/XXXX ( from XXXX ) to now XX/XX/XXXX.
|
| 12/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
EOS CCA # XXXX is reporting a debt that I do not owe. This debt was paid off by XXXX to release my account so I could transfer over to XXXX. It is paid and I do not owe this debt, it should no longer be on my credit.
|
| 03/16/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Eos is sending me bogus bill, stating I owe XXXX. This was charged off in XX/XX/2004, because I won a case against them. I have the court paperwork and had to pay taxes on it. They are very rude, and will not stop.
|
| 05/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I have not supported proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exits.
|
| 05/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account was added to my credit report almost seven years ago but I didn't own said account, it belonged to my father who has the same name as me. Reached out multiple times and filed a dispute and to no avail
|
| 12/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XXXX, shows me owening a debt to XXXX, XXXX, debt is not mind, I have contacted XXXX which states that I DO NOT OWE them a debt. Upon Contacting XXXX, They state that another company has filed on XXXX XXXX behalf.
|
| 08/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
For a hospital bill of XXXX dollars from almost 6 years ago. I got ta 9 phone calls this week alone. I've talk to them 5 times and told them to stop the calls and stop harassing me at work. They lie their rude.
|
| 01/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
EOS CCA keeps calling me about a 5 year old XXXX debt I incurred when I was waiting for XXXX. They yell and scream and are quite threatening in tone. They repeatedly call my daughter and ex husband of 25 years.
|
| 01/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I 've been getting recorded calls from EOS but I can not get a response to the origination of the debt in collections - if they would tell who was originally owed but they 've been vague and no details provided
|
| 06/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX opened two accounts at same address. I paid XXXX and indicated to them several times I did not want 2 accounts servicing the same address. They continued to send me bills and then sent me to collections.
|
| 08/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
company called do not call list. Someone erred and listed my phone which was erroneously listed and forwarded to debt collector. I would like full name of debt collection agent as this was complete negligence
|
| 08/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Someone reopened an old account that was supposed to be closed to generate a bill. I don't owe {$500.00} to XXXX or any of its partners. I don't not owe any amount. My account is current and paid up to date.
|
| 12/03/2021 |
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.
|
| 03/09/2021 |
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.
|
| 02/09/2021 |
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.
|
| 02/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a bill for {$32.00} dated XXXX XX/XX/XXXX with account number XXXX it seems that the company is from XXXX with account number XXXX the question I ask is why is this bill coming to me now in XXXX
|
| 02/15/2020 |
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.
|
| 02/14/2020 |
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.
|
| 01/17/2020 |
Yes |
- Debt collection
- Other debt
|
- 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.
|
| 06/13/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Creditor is attaching a debt for XXXX University and I never attended XXXX University. I told him that this was not mine and that I am a victim of identity theft yet he continues to call and harass me.
|
| 07/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX has passed a debt to EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX for {$600.00} on XX/XX/2019. I have a current account with XXXX. This is an invalid claim. I would like this taken off of my credit report.
|
| 06/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I paid everything that I owed to the state. I checked my credit report and see that I owe {$120.00} however I was never sent a notice or contacted about this debt. It was just placed on my credit report.
|
| 04/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is an account EOS CCA that is listed on my credit report. This is NOT mine. I have disputed, requested validation now for many months and receive nothing not even a response. Please help assist me.
|
| 06/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This debt of {$400.00} was paid off i n 2016 through the original company ( XXXX XXXX XXXX ). I DO NOT HAVE ANY DEBT WITH THIS COMPANY ( EOS CCA ) NOR DO I HAVE ANY TYPE OF CONTRACT WITH THEM.
|
| 09/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/service. Ive been a victim of identity theft.
|
| 03/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I terminated my account, paid all the fees and my balance and was told i was settled. a week later I got a call stating that I owed over {$500.00} and they could not give a definite answer as to why
|
| 09/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This debt showed up on my credit report without contacting me about it or anything. I have no idea who owns the debt, and the company in question are tarnishing my credit report for no good reason.
|
| 08/30/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
This company CALLED MY SISTER and claimed that they had that number as my personal residence.
This is not true, had never been true, and they are in violation of federal consumer protection laws.
|
| 08/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is cherging me {$300.00} for a XXXX phone bill i never had in XX/XX/XXXX. I have been using XXXX XXXX since XX/XX/XXXX and they are claiming i have an unpaid account from XX/XX/XXXX.
|
| 05/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
I was XXXX turning XXXX at the time this account was opened by my mother without my consent. Verbally or written. I had no knowledge of this account being open. As i was a minor just turning XXXX
|
| 08/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX ( eos ) XXXX all equipment returnedand XXXX ( XXXX XXXX ) XXXX paid. I have sent letters without response. I know there are mail issues due to COVID but this is truly affecting my credit.
|
| 01/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Contract was cancelled original creditor ( XXXX ) sold the account to a collection agency ( EOS CCA ) which means they also wrote off my debt on their taxes which wrote off my obligation to pay.
|
| 04/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
There is a collection company called EOS stating I owe XXXX XXXX which I do not. I have the receipt from when I turned in the boxes. I have fought this several times with no outcome. Please help
|
| 02/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
I never received any documentation about this debt send to collection by the previous company. I request this to be removed due to improper communication to give me time to resolve this issue.
|
| 07/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX Bill. This bill was not opened by me an ex opened this account I learned with my information. He is decease and this is affecting my credit report for something i am not responsible for.
|
| 06/08/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I continue to get calls from XXXX, who state they are a debt collector. I have no debts, other than a couple of credit cards, which I pay off monthly. I have no idea why they keep calling me.
|
| 04/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have requested several verification documents from EOS regarding the validity of the erroneous account that is reporting to my credit report. No verification documents have been received.
|
| 09/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Harassing me at work, calling and harassing fellow coworkers, will not answer any questions with any form of pertinent information. Would not tell me what the company was other than a name.
|
| 07/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I did n't owe the debt this company tries to collect. I do n't even remember I was with the service provider and If I was using their service, I always paid in full any balance that I owe.
|
| 10/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Dept was paid and I still got lot of arrasment calls every time sold it to third parties and wrongfully reported issues with my credit report to downgrade my scores on my credit report.
|
| 08/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from this company demanding me to pay them. To my knowledge I have never signed a contract with this company and neither have they provided me with goods or services
|
| 02/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
The collector that called me did not disclose the mini miranda or the recording disclosure. She also did not confirm any personal information before disclosing the reason for the call.
|
| 05/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I look at my credit report and notice I have XXXX debt. Like from this debt to br removed immediately.
EOS XXXX XXXX XXXX XX/XX/2017 {$150.00} {$150.00} XXXX XXXX XXXX XXXX, MA XXXX
|
| 08/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
EOS CCA is reporting {$120.00} to my credit report. I spoke to six different employees and I am not confident they are doing anything to research and remove this erroneous information.
|
| 07/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have request that they cease & desist all contact regarding the alleged debt. They are still sending me post cards via mails & I am still receiving phone calls as of XX/XX/2021 2021
|
| 12/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This entire debt is fraudulent, if you XXXX this company multiple people complain that the company is not real and its fraud and its for a collection for XXXX Ive never had XXXX.
|
| 01/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 11/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 08/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 07/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 05/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 01/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 11/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I do not have electricity or gas bill in collection. This is not me. I was never informed of such action before you deemed I was responsible and added to my XXXX credit report.
|
| 12/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I filed a dispute about this debt and it was denied I have no knowledge of this debt from EOS CCA For XXXX the original creditor is XXXX XXXX. Any information would be helpful
|
| 03/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
They sent me a debt -and I responded within the timeframe requesting verification of debt. They did not provide verification and immediately reported this to credit agencies.
|
| 04/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
After reviewing credit reports noticed an unfamiliar derogatory account from EOS CCA on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.
|
| 07/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This is on my credit report. I do not know what it is for exactly. I need to be provided with documentation to prove the debt as per The Fair Debt Collection Practices Act.
|
| 12/24/2020 |
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.
|
| 02/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I received a notice for an account that is unknown to me, requested verification and received just a statement which provides me with no kind of evidence. Please assist me
|
| 12/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I called to get everything off my credit but they keep putting it back up there and Im trying to better my credit so I can buy a house and make a better life for my kids
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
EOS CCA, is reporting an active and open account when I know it is in fact a closed student loan account. It is incorrectly being reported as open and gaining interest.
|
| 10/29/2015 |
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 has a debt from XXXX XXXX from XX/XX/XXXX. I have not been a customer of theirs since XX/XX/XXXX, and I am not sure why they effect my credit report.
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Credit bureaus fail to provide proper information to validate a alleged debt. XXXX, XXXX and XXXX violated my rights as a consumer. Pursuant to Us code 15 1692g.
|
| 12/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.
|
| 07/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The company first started trying to collect a bill from XXXX XXXX that we did n't have. Now there trying to collect a bill with century link that we do n't have
|
| 02/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Someone fraudulently opened a XXXX account in my name.
I contact XXXX on XXXX and again on XX/XX/XXXX. The amount t of the fraudulent charges is {$1200.00}.
|
| 11/14/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
|
| 09/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I would like to remove the inquiries that are were maid with out my written consent. Along with accounts that been falsly opened for year 's under my account.
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
|
| 03/28/2022 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I do not recall the exact it however it has been more than 30 days since I disputed these items the balance is include {$2400.00} {$870.00} {$1000.00} XXXX
|
| 03/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Older American |
|
I have a debt collection on my account who I do not have any idea who this company represent. I request this debt to be removed from my XXXX credit report.
|
| 01/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
eos cca XXXX XXXX XXXX XXXX, ma XXXX XXXX this company i already paid off but still on showing balance account number XXXX creditor name XXXX century link
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX, XXXX AND XXXX. I HAVE ALSO FILED AN FTC REPORT
|
| 03/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Received a text message without a notification that the message was an attempt to collect a debt from XXXX, which is illegal. Supposedly this is eos cca.
|
| 08/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Caller asked for a person who has NEVER LIVED at this address and NEVER HAD this phone number. They are fishing for this person by last name connections!
|
| 10/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX is charging a bill that I never owed. I never opened an acct with them. It 's foe {$79.00}, and XXXX has already removed it, however XXXX has n't.
|
| 04/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This new collection appeared on my credit report. I contacted EOS CCA and they were unable to provide any information based on my personal information
|
| 08/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is no way a cable company will allow anyone to watch {$600.00} + dollars worth of cable with it being disconnected. I do not owe them anything.
|
| 08/25/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Calls my phone XXXX times a day, looking for someone that is n't me. They said they would stop calling and take phone # of list but they still call.
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
|
| 03/30/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is from XXXX originally. The amount in XXXX of 2010 was less than {$150.00}.
It is now 7 years old, EOS XXXX has illegally changed the date.
|
| 05/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Eos CCA is trying to collect a debt i do not owe. it is negatively afffecting my credit scores and is preventing me from renting a place to live.
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have sent letters on four separate occasions including ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without any response in the matter.
|
| 08/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent out a certified validation letter on XX/XX/2020 they received it on XX/XX/2020. i asked to validate i have not receive no correspondence.
|
| 08/10/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are 2 derogatory marks on my report from XXXX, that went into collection. That arent my mine. I never had an account with XXXX in my past.
|
| 02/22/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Nothing is owed to XXXX XXXX XXXX Have contacted this collection agency several times and they still continue to send bills. They need to stop.
|
| 12/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had this account removed off of my credit report many times. Then it will returned on my credit report under a different reporting agency
|
| 06/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
EOS-CCA is illegally trying to collected a debt in a state that they are not registered to do business in. Per Vermont 11A V.S.A. 15.01.
|
| 10/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Have no record of XXXX XXXX account being past due or sold to EOS. No validation of debt or even documents that support the collection.
|
| 11/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX AKA XXXX XXXX says I owe for phone/internet/something service at an address I have never lived at or know anything about.
|
| 04/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid EOS on XX/XX/XXXX for my XXXX XXXX collection. As of XX/XX/XXXX, XXXX is still reporting the account as owed for {$1200.00}.
|
| 12/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit report and found this account never get any notification no way to reach my account with the original creditor
|
| 11/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit.
|
| 06/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
sent a letter trying to collect with no license to collect in Texas which is illegal neither of the 2 creditors have the license
|
| 06/16/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Repeated phone calls, daily, asking for someone who does not live here. We told them that but they have been calling for years.
|
| 09/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Told them is not mines and still wont clear and has reported to one of the credit bureaus multiple time with different amounts
|
| 05/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
EOS CCA did not send me a notice stating I had the right to dispute this alleged debt before they reporting it to the CRA 's.
|
| 09/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have no knowledge of this account so I have no information on it. The company is refusing to remove it saying it's accurate
|
| 02/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Tried to pay it off but was not getting through the agent. Wanted me to pay full amount was rude and didnt want to work with.
|
| 04/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Regular robo calls from EOSCCA XXXX XXXX XXXX XXXX MA XXXX XXXX a debt collector with only a phone number.
We have no debts.
|
| 07/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
There is a parking violation for the city of New york on my credit report and I have never been outside the state of XXXXXXXX
|
| 05/09/2023 |
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 |
Servicemember |
|
I was told on a recorded call that the account would be deleted after the balance was paid in full. It has not been deleted.
|
| 05/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The collection has been pulled back from the original vendor but EOS as not removed their collection from my credit profile.
|
| 09/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I closed the account and left the country. I lived in XXXX for the next 5 years and come back to realise that i have debt.
|
| 10/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not owe any money - theya re form XXXX or XXXX - the calls come from XXXX - all times of day - leave messages - rude
|
| 08/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
I have received notice from XXXX XXXX that experience has gotten thes collection notices but I have never received them.
|
| 02/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
contacted this company several times to advise this debt is not mine .... ask for proof to and was never contacted back.
|
| 12/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
These people have been calling for about 10 years looking for a XXXX XXXX, y name is XXXX and I do not know a XXXX XXXX.
|
| 04/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I found an item in my credit report I dont what is this. I NEVER RECEIVED ANY NOTIFICATION FROM THE COLLECTIONS AGENCY
|
| 10/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
EOS CCA I have no idea about this debt and it is incorrect. There is very little information to contact the merchant.
|
| 11/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
EOS CCA Collection Agency {$1200.00} reporting to credit bureau.which is incorrect must remove from my credit files.
|
| 06/02/2015 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
My social security was used to set up accounts. My roommate used my info to set up these account without asking me.
|
| 08/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
EOS CCA XXXX XXXX XXXX XXXX MA XXXX Tel : None Available Alleged balance owed : {$190.00} Original Creditor : XXXX
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
there is a company on my credit report called XXXX and I don't know or never opened an account with this company
|
| 09/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
EOS CCA put a collection account on my credit report without sending me any information so I can file a dispute.
|
| 04/13/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have yet to receive anything on this debt when I logged into my XXXX.com account and see a collection for it.
|
| 06/03/2018 |
Yes |
- Debt collection
- Other 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
|
|
Web |
|
|
This debt doesnt belong to me someone used my information and they didnt pay for this and now its on my credit.
|
| 10/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
my identity was compromised in the past i had to change my debit card and all other accounts linked to my name
|
| 09/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
my credit report is showing I have a XXXX XXXX bill for XXXX from XX/XX/2018 I do not kown about this bill.
|
| 02/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
this debt has been paid in full to XX/XX/XXXX Please remove this collection entirely from my XXXX report
|
| 06/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I do n't have any knowledge of this collection company or the debt that they are attempting to collect
|
| 12/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Call everyday Harassing my XXXX year old Father he told them not to call back and they keep calling..
|
| 03/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was looking at XXXX XXXX and I noticed this on my credit report but I did not know the creditor.
|
| 02/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company refuses to identify who they are and are calling me at work. It's a debt collector
|
| 07/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Please remove these accounts. I have been disputing them for a while. They do not belong to me.
|
| 12/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is a fraudulent account from over two years ago that I took care of this is a past issue
|
| 06/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Please remove these accounts as they do not belong to me. XXXX the attached documentation.
|
| 10/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The debt was remove from my credit reports, now it is appearing under collection agency.
|
| 04/15/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I told them to stop calling and to use only mail. And yet I get 7 calls a day every day.
|
| 06/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
EOS CCA has illegally re-aged a collection debt and did not notify me of this account.
|
| 10/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
This is a debt collection that I do not owe and do not understand why this is my name.
|
| 01/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
EOS debt collector contacting my work place. This workplace does not allow such contc
|
| 01/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have not had a XXXX account in almost 3 years and it says this was XXXX XXXX XXXX.
|
| 10/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
{$1500.00} Original creditor : XXXX XXXX XXXX EOS CCA XXXX XXXX XXXX XXXX, MA XXXX
|
| 05/27/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
paid off ful amount and return all devices to XXXX. my balance with XXXX is XXXX
|
| 05/19/2023 |
No |
- 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 accounts on my credit report that I have not opened before. From EOS CCA
|
| 04/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Continue to call my home phone I have no debt. Phone # that comes up is XXXX
|
| 01/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
There are XXXX of the same account from XXXX collection for the same amount
|
| 04/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I am not sure what the debt is but it just keeps popping up on my report
|
| 08/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Never had service with company. They also REAGED the " debt ''.
|
| 08/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Not my debt, I paid what I was suppose to pay three years ago
|
| 08/21/2022 |
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 |
|
|
EOS CCA XXXX XXXX for {$840.00}. The date is XX/XX/2019 2019
|
| 04/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I dont know about this debt!
Collection Agency harassing me
|
| 04/27/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I Contacted XXXX and tell them that this was not my debt.
|
| 09/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
No contract with company, company stating I owe {$94.00}
|
| 01/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
EOS CCA did not verify debt and billing statements.
|
| 01/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Someone was suppose to remove this off my report.
|
| 12/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Receive numerous phone calls. I have no debt.
|
| 08/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of identity theft.
|
| 03/30/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have no knowledge of this debt.
|
| 04/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Not my account never had one
|
| 04/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Account was paid as agreed.
|
| 07/15/2015 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Did not verified my info
|
| 12/18/2023 |
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 |
|
|
|
| 10/12/2023 |
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
|
|
Web |
|
|
|
| 07/28/2023 |
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 |
|
|
|
| 06/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 05/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/24/2023 |
No |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 04/21/2023 |
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 |
|
|
|
| 04/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/14/2023 |
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 |
|
|
|
| 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 |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
Servicemember |
|
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 03/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/21/2023 |
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 |
Servicemember |
|
|
| 03/16/2023 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 03/14/2023 |
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 |
|
|
|
| 03/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 01/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/10/2023 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/10/2023 |
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 |
|
|
|
| 01/05/2023 |
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 |
|
|
|
| 01/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/22/2022 |
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 |
|
|
|
| 12/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 11/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/21/2022 |
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 |
|
|
|
| 09/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/14/2022 |
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 |
|
|
|
| 08/30/2022 |
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 |
|
|
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 08/14/2022 |
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 |
|
|
|
| 08/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/26/2022 |
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 |
|
|
|
| 07/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 07/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 06/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/20/2022 |
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 |
|
|
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 05/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/27/2022 |
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 |
|
|
|
| 04/23/2022 |
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 |
|
|
|
| 04/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
|
| 04/19/2022 |
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 |
|
|
|
| 04/18/2022 |
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 |
|
|
| 04/10/2022 |
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 |
|
|
|
| 04/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 04/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2022 |
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 |
|
|
|
| 04/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/20/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/19/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/01/2022 |
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 |
|
|
|
| 02/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/27/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 02/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/02/2022 |
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 |
|
|
|
| 02/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/16/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 01/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Older American |
|
|
| 12/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 12/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/09/2021 |
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 |
|
|
|
| 12/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American, Servicemember |
|
|
| 11/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 11/24/2021 |
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 |
|
|
|
| 11/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/23/2021 |
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
|
|
Phone |
|
|
|
| 11/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 11/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 10/13/2021 |
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 |
|
|
| 10/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 10/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/11/2021 |
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 |
|
|
|
| 10/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 09/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/12/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
|
| 08/12/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 08/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/23/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/15/2021 |
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 |
|
|
|
| 07/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American |
|
|
| 07/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 06/19/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 06/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/05/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 05/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 05/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/25/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/16/2021 |
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 |
|
|
|
| 04/13/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 04/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/31/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/22/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/22/2021 |
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
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/27/2021 |
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 |
|
|
|
| 02/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Referral |
|
|
|
| 12/19/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 12/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 12/10/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 12/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 12/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/04/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
|
| 11/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 11/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 11/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 11/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 11/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 10/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/03/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 09/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
Older American |
|
|
| 09/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 09/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/23/2020 |
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 |
Older American, Servicemember |
|
|
| 09/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 09/11/2020 |
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 |
|
|
|
| 09/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 09/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 09/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 08/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 08/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 07/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/22/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/18/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
Older American |
|
|
| 07/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 07/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 06/29/2020 |
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
|
|
Referral |
|
|
|
| 06/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 06/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 06/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/09/2020 |
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 |
|
|
|
| 06/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 06/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 06/08/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 06/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Referral |
|
|
|
| 06/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 05/13/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 05/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 04/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 03/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
|
|
Web |
|
|
|
| 03/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/20/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
|
| 03/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 03/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 03/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/25/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 02/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 02/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 02/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/15/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
Older American |
|
|
| 01/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
Older American, Servicemember |
|
|
| 12/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/19/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/19/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/07/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 10/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 10/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 10/22/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/17/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 09/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
|
| 09/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/21/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 09/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/31/2019 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 08/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 08/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/22/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 08/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 08/18/2019 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 08/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/02/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 07/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 07/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 07/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/12/2019 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 07/11/2019 |
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 |
|
|
|
| 07/09/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 06/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 06/22/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 06/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 06/15/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 06/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 06/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 06/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 06/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 06/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 05/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 05/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Phone |
|
|
|
| 04/26/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/29/2019 |
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 |
|
|
|
| 03/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
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 |
|
|
|
| 03/27/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 03/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/01/2019 |
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 |
|
|
|
| 02/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 02/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 02/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 02/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 02/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 02/06/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Phone |
|
|
|
| 02/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/01/2019 |
No |
- 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
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 01/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/25/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/23/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/22/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 12/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/21/2018 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 11/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 11/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 10/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/10/2018 |
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 |
|
|
|
| 09/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 09/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 09/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 09/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 09/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Fax |
|
|
|
| 09/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/07/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/05/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/31/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Postal mail |
|
|
|
| 08/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Postal mail |
|
|
|
| 08/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 08/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/22/2018 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 08/16/2018 |
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 |
|
|
|
| 08/15/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 08/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 08/11/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 07/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 06/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 06/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 06/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 05/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 05/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 05/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 04/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 04/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 04/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
|
| 04/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Fax |
|
|
|
| 04/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 03/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 03/18/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/23/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Postal mail |
|
|
|
| 02/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 02/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 02/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 02/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 01/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 01/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/10/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 01/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 01/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 12/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 12/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/20/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/11/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 12/08/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 12/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 11/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 11/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 09/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/28/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 07/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/18/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 07/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 07/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 07/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/10/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
|
| 06/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
|
| 06/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 06/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/04/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 06/01/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 05/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 05/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/26/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 04/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 04/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/15/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 04/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 04/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American, Servicemember |
|
|
| 04/11/2017 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 04/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/06/2017 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/04/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 03/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|