Express Collections, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 802XX	Web
Had a dental bill go to collections in XX/XX/XXXX8, a dental bill which was due to the original creditor in XX/XX/XXXX. Bill was sent to " Express Collections '' of XXXX XXXX, South Dakota. Bill was in the amount of {$210.00} USD. I was first made aware of this bill in XX/XX/XXXX. Company states that I contacted them XX/XX/XXXX, and made payments on this account for the dates of XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I made my first payment either on, or within days of my first contact with EC, and was informed that so long as I began making payments, I would not ever have this item reflected on my credit report. Company claims that this statement was never made and can't be verified as a promise, and that they in fact began reporting my bill to the bureaus 10 days later. Company claims that they submitted data to the bureaus on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. The debt in question was paid in full in XX/XX/XXXX, and EC claims that they began reporting my collection as paid in full as of XX/XX/XXXX. However, this account did not begin showing up on any of my Credit Bureau reports until XX/XX/XXXX. This is nearly 6 months after I was first made aware of this debt and was told that I would not have it show up on my reports at all as long as I began making payments. Furthermore, there is absolutely no reporting data on my account whatsoever, nor is there any stated " original debt amount. '' The account also states that it remains open. Despite having disputed this account multiple times, there also remains no " account in dispute '' notation on my report for this collection. Each of these are a violation of the FCRA. I have attached the company 's response to my XXXX complaint - you will notice several discrepancies in their response itself. I have also provided a transcript of their response, which is as follows ( sans identifiable information ) : Contact Name and Title : XXXX XXXX, Operation Contact Phone : XXXX Contact Email : XXXX This debt was originally due by the original creditor in XX/XX/XXXX. The creditor referred it to collections in XX/XX/XXXX. We started reporting it to the credit bureaus in XX/XX/XXXX. On XX/XX/XXXX, XX contacted our office stating she received a letter from our office and wanted to set up payments. She made payments in XXXX, XXXX and XX/XX/XXXX. The account was paid in full XX/XX/XXXX. Our office notified the credit bureaus that the account was paid in XX/XX/XXXX. We are required to send three paid in full reports before we no longer are required to update the report. These were sent in XXXX, XXXX and the last one in XXXX. We have reviewed the notes on the account and there was no notation that XX mentioned anything about wanting the account removed from her credit report. Our office does not do " pay for deletes '' as this goes against our agreement with the credit bureaus. The copies of her credit reporting she submitted with her complaint show the most current reporting we have sent, it does not show a reporting history. We can not report a " paid '' account without first reporting it as owing. We also do not report to all three credit bureaus. We report to XXXX and XXXX. We do not report to XXXX. The images that XX supplied with her complaint are from XXXX XXXX, a third party and not directly from the credit bureaus. We have no control how XXXX XXXX pulls or obtains their information or how accurate it is. We are also just a data furnisher, we can not control how or when the credit bureaus report or update their information, we just supply them with the account info each month. I attached a screen shot showing the metro contact reports that are created whenever our system runs a report to send to the credit bureau. The dates this account was sent to XXXX and XXXX was on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. We are sorry that this account has affected Ms. XX credit score, but we have accurately reported the account as required by the FCRA. First and foremost, they claim that there is no notation that I wanted it " removed from my account. '' This is because I contacted them on XX/XX/XXXX, a full ten days prior to when they claim they first reported this account to the bureaus. It was not on my credit report, ergo, there was no need for me to ask it to be removed from my report. I simply asked, " So if I start paying this right away, it's not ever gon na show up on my credit report, right? '' Their response : " Oh no, definitely not! As long as you start paying and you are making monthly payments, we aren't going to report this. '' I took this on good faith and began paying the collection. I did not negotiate, I did not attempt to settle, I paid the amount in full. And they held their word for about 6 months, and then began reporting it. This is a violation of FDCPA 807 ( 10 ) regarding false and misleading practices. Another discrepancy of note is where they say " The copies of her credit reporting she submitted with her complaint show the most current reporting we have sent, it does not show a reporting history. We can not report a " paid '' account without first reporting it as owing. '' This is true, and yet that is exactly what they have done. While my original XXXX complaint did include only a screenshot from XXXX, that is because I forgot to upload my screenshot from XXXX 's 3 Bureau Credit Report. I have included that screenshot in my XXXX rebuttal and here on my CFPB report. They state that they can not accept any information from my XXXX reports, so I have omitted everything involving data pulled from XXXX. A careful review of my XXXX Report will show that over almost 3 years later, there is absolutely no reporting history, nor an original debt amount owed. So this account was first reported as paid, with nothing owing - contrary to their own statement. Again, they are right in the fact that they can not report a paid account without first reporting it as owing, and in doing so, they have violated FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) twice, and have admitted to doing so. The account has been disputed on the grounds that this is incorrect, and EC has not fixed it. A third violation of the FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) is that this account is still shown as " open, '' despite their claims to having forwarded information to XXXX and XXXX that this account has been paid and closed. The account does reflect paid, but it does not reflect closed. The account has also been disputed on these grounds, and again EC refuses to fix it. In having disputed these ( the earliest having been 38 days ago, and the furthest being 46 days ago ), this account should have been updated to show as " in dispute '' with the credit bureaus within 31 days of receiving the dispute. My records show that EC received and " investigated '' these disputes and told the bureau that their information was " correct. '' If that is the case, simple math would state that as of 39 days ago, these reports should show an " in dispute '' notation on the report. There is no such mark. This is a violation of FCRA, 611 ( a ) ( 8 ) ( c ). If you're keeping track at this point, this means that Express Collections has violated the FCRA four individual times with this single account, and the FDCPA once. A final discrepancy is this : " We can not control how or when the credit bureaus report or update their information, we just supply them with the account info each month. '' This is intentionally obtuse. If the data furnisher provides data that is not in compliance with the law, the bureau has no responsibility to report it, and can in fact be held liable for publishing an incorrect report. Furthermore, it has been 925 days since EC states that they first reported this account. Either this data was not compliant with the standards set forth by the FCRA, FCBA, FDCPA, FACTA, the CFPB and Metro2, or the files were corrupted, never sent correctly, or otherwise lost in some capacity. Making sure the data reported reaches the bureau, and the accuracy of those reports is not the responsibility of the bureaus. The accuracy of these reported items and accounts are the responsibility of the data furnisher. If that responsibility is neglected, then the company in question has a legal and moral imperative to remove the negative data from the affected consumer. Express Collections misled me, lied to me, took my money, violated the law multiple times, and continue to violate the law with every step of the dispute process I take. Oh, and one last thing - this account has never been reported to my XXXX report. Ever. I've included a screenshot of that too. What are the chances of one bureau never receiving the info, and the other taking 6 months to report it? What are the chances of this company lying out their nose to cover their behinds? A lot bigger than the bureaus messing up, right?
10/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	SD 577XX	Web
XX/XX/XXXX, I was made aware of an old daycare bill that was in collections. The total amount, with fees included was {$470.00}. ( The original amount due to the provider was about half that. ) I paid {$200.00} down, and set up a payment arrangement for {$28.00} a month for ten months.I paid the debt by following the payment arrangement and was recently contacted by a representative of the company to pay an additional {$100.00}. I do not owe this debt. When I told him that he threatened to seize property, garnish my wages, or let the courts decide. This very same debt is also listed on my credit report by XXXX for the original {$470.00} and I told him about that as well. He stated that he does n't know who that company is or why the original debt is listed twice. I told him many times that the debt was paid in full and he kept threatening these things. I 'm so distraught over this issue that I 'm physically ill. It 's not about the {$100.00} that he claims is due, it 's the way I was treated, by him, during the call. I know that this debt is paid in full and he harrassed and threatened me until I finally told him to take it to court because I am disputing the validity of the debt. I 'm thoroughly disappointed with the lack of respect and his refusal to hear what I was saying. I have bank statements to support that the debt is satisfied. I 'm not sure what my next step should be in this, but I know he is n't right in what he 's trying to do. I believe in doing the right thing and I have paid this debt.
07/19/2015	No	Debt collection Credit card	False statements or representation Indicated shouldn't respond to lawsuit	OR 974XX	Web	Servicemember
I was told that I had an open credit card from 1999. I was contacted in XXXX about this debt and told that I would have to pay over XXXX worth of interest. When asked if I was going to pay this or not-I said " no ''. The debt collection agency sent legal paperwork to my home and the post office had my XXXX year old daughter sign for it while I was at work. The judgement went through XXXX South Dakota without my knowledge and I have been fighting it ever since. I have written to the court and contacted the debt collection agency. The time of elapse for the debt had passed. They charged an exorbitant amount of interest and would not settle on it.They constantly called threatened and harassed me and then accepted the signature of my XXXX year old daughter on legal paperwork. The only reason I knew that she had signed for the paperwork is that her older brother told me. The post office would n't respond to my request for information and claimed that they were using a temporary carrier. I do n't believe it is legal for a court to go through with a lawsuit signed by an XXXX year old. This company was completely suspicious from the beginning. This has caused me to be investigated at work, loss of credit, etc. I have successfully disputed this to XXXX out of XXXX credit reporting agencies and was advised to file a complaint as well.
06/21/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63136	Web
I have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/XXXX with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with EXPRESS COLLECTIONS. I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! Express Collections responded back on XX/XX/XXXX under complaint ID XXXX and stated that they had my signature via docusign that's why it was not presented on the original contract ; However they STILL DID NOT provide the docusign signature which I can compare signatures to my Driver 's License signature. If this information is not sent via mail within 10 business days I will be filing a complaint with FTC, XXXX and local attorney general 's office along with consulting with an attorney!
02/16/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76063	Web
I am not disputing the debts that I owe ; I am disputing that the following accounts on my credit XXXX XXXX ( XXXX ) and Express Collections ( XXXX ) XXXX {$3500.00} ( XXXX XXXX XXXX XXXX ) had negatively impacted my score in XXXX. The collection companies have added the debts back to my credit report as of XXXX. This impacted my credit score negatively again. The collection accounts were added as if they were new accounts. I have been working hard on getting my credit back on track, my score went down by XXXX points once this was done. I have written all 3 credit bureaus and I have stated the rules about reaging accounts. They keep responding by saying the debt is valid, I am not disputing the validity of the debt. Please explain to me if this a good practice as I researched and per regulations this is not. I need someone to assist me on this. They credit bureau takes XXXX when you are late or fall behind, but they add XXXX points when you are back on track and making on time payments and this is not fair!!!
05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76114	Web	Servicemember
Hello, To whom this may concern, I have tried over and over again to get these accounts off my credit report and the credit report are not doing what they are suppose to do. I have disputed theses Companies because the are wrong.! Amount : XXXX the date states XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX. I Know these companies have violated my right because according to the Fair Credit Reporting act 15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy. I have never heard of the Companies that is contacting me to collect theses debit. The credit report keep saying this is accurate. The 15 U.S.C 1681 SECTION 604 A. SECTION 2 Also states that the consumer reporting agency can not furnish a account without my written instruction. I Have the right to challenge these debit. Please help
03/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web
On XX/XX/2023 a XXXX page fax was successfully transmitted to Express Collections The fax. included a cover page, Identity theft affidavit, a police report and a letter expressing the collection was a result of identity theft. On XX/XX/XXXX, I contacted Express Collections and was informed that I needed to prove that there was some actual investigation regarding this collection and that the documents faxed would not be sufficient to remove the collection. She stated that an identity theft affidavit along with a police report would not be enough. She needed something stating that the police was investigating the matter. I have followed and met all requirements according to FCRA and FTC. I have no contract with Express Collections and therefore, owe nothing more than what's been provided. They are disregarding the law.
06/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63136	Web
I have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/21 with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with XXXX XXXX. I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! Also XXXX XXXX have not even opened and investigation not have alliance after i have requested for them to do so their hasn't been a recent report update or any documentation sent.
06/05/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	SD 577XX	Web
Debt collection company has committed identity theft in contacting me without permissable purpose. Debt collector company has brought a suit on a debt that has been satisfied and charged off ( Fabricating a debt obligation of a third party private court bypassing federal law in connection with collection of a debt without a court of commpetent jurisdiction and without written express consent. ) Debt collector company has used the mail to send false and misleading communications thru the US mail using US zip codes to solicit money in a debt collection scheme by an attorney, clerk or judge. Debt Collector company violates 15 USC 1692 i ( b ) by bringing suit without standing.
01/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MI 48114	Web
I purchased furniture when we lived in Texas from a company called XXXX XXXX. They told us it was a 12 month installment loan. It ended up being a 90 days same as cash. They added all kinds of interest fees and charges to the debt. Not only that we were double billed. We paid off the other Company. XXXX XXXXXX/XX/XXXX XXXX turned the account over to Express Collections out of South Dakota. This is the only delinquency left on my credit report. I tried to settle the account and they will not negotiate a fair price. We are in the middle of a Pandemic and they will not budge. Every other Company in America will negotiate for XXXX % of the debt.
04/12/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SD 577XX	Web
I received a letter in the mail about an old debt and reached out to the company Express Collections to try and make payment arrangements and was told if I didnt pay a certain amount I would be sued and that whatever payments I made wouldnt matter if they werent the amount they wanted. Ive been receiving multiple harassing phone calls on my personal phone as well as at work. I dont have a lot of money and tried to explain this to them and offered as much as I could but it wasnt enough for them.
03/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77583	Web
this company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2000.00} with XXXX & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
01/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78244	Web
I noticed a collection on my credit report I didn't recognize. I mailed the agency a request for validation on XX/XX/XXXX via certified mail XXXX tracking number XXXX XXXX XXXX XXXX XXXX ). They replied in a letter dated XX/XX/XXXX, but not received by me until XX/XX/XXXX. They asked for more information which they would already have on file since they are actively reporting the account to the credit reporting agencies in my name. This letter was a blatant dodge of the FDCPA.
01/03/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX XXXXX	Web	Servicemember
I Originally contacted Express Collection agency after seeing the account on my credit report I ask them to validate the debt exhibit A letter sent to them on XX/XX/2021 I Received a copy of a contract from a creditor I reached out the creditor they sent letter staying referenced account has been acquired by XXXX XXXX XXXX not Express collection I demand that they remove this account from my credit admittedly cause there in violation of Validation of Debts 15 U.S.C. 1692g
08/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 762XX	Web
I am a victim of identity theft and noticed a collection from Express collections. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Express collections in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
01/10/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75067	Web
We moved from XXXX to XXXX and went to XXXX XXXX to purchase furniture. They falsified financing information to me. I signed and agreed to pay {$1400.00} for furniture. The Company sent different paperwork after we got the furniture home. They are now trying to charge us {$3000.00}. I tried to set up a payment plan with the original financing Company. They denied money unless it was paid in full. This is unacceptable business practices from top to bottom.
11/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30339	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on EXPRESS COLLECTIONS IN XXXX Balance {$3000.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
02/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO XXXXX	Web
I don't owe anything to EXPRESS COLL ( Original Creditor : XXXX SMART SALES LEASE ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Thus this account is duplicated and it is displaying on my account multiple times. Please investigate this account thoroughly and make the necessary correction or just remove the account automatically.
03/14/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 77539	Web	Servicemember
This company contacted me about an debt owed since 2018. They asked if the information they gave was correct and I said no, that's not my social security number. I asked them to stop contacting me and they placed an collections account on my credit and the information doesn't match. Only the names and birthday match but social is completely wrong. Not even close in numbers.
08/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76123	Web	Servicemember
the orginally debt was with smales sales and lease started XX/XX/XXXX for total XXXX smale sales and lease removed the negative enrty from my XXXX credt report on XX/XX/XXXX. on sunday XXXX express collection was added to my XXXX credit report with the incorrect balance, incorrect balance date, inccrect orignal balance incorrect date opened and incorrect payment history
07/08/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98204	Web
Express Collections, LLC has my soon to be ex-husbands non medical bills on my account and will not remove them from my end. I had nothing to do with those debts and have asked them t remove them and they will not. I do not owe that money to XXXX XXXX XXXX XXXX XXXX or XXXX XXXX, that is my husbands debt and I want it removed off my end of collections.
05/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	SD 576XX	Web
They call me on my cell phone during working hours. They are aware this is a cell phone. I have told them that I do not have a land line I have written to them telling them not to call me at my job. They are aware of my work hours. I also do not owe this debt. The vet took an XXXX that I did not authorize.
12/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 97006	Web
After carefully reviewing my updated credit report, I saw that you are currently reporting this collection account provided above on my credit report. I have no knowledge of this account in the first place. EXPRESS COLL ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
05/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 78640	Web
I paid my debt off back in 2020. They said they would remove this off my credit report and they did and they put it back on a zero balance, I have called them several times and now they will not help me and simply don't care.
06/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	SD 576XX	Web
Continuously call my place of employment despite the fact I have told them not to do so. Scheduled court when I was in the hospital getting XXXX. The debt has been paid
02/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38680	Web

02/06/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02715	Web

12/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76016	Web	Servicemember

12/23/2023	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	TX 77091	Web

10/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 78108	Web

10/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98374	Web	Servicemember

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77493	Web

09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77493	Web

05/08/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29180	Web

03/22/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70364	Web

02/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WY 82633	Web

02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70364	Web

09/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77345	Web

09/02/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	SD 57719	Phone	Servicemember

08/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34744	Web

04/27/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78660	Web

02/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76092	Web

12/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78245	Web

11/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78665	Web

11/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78245	Web

11/01/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77433	Web

10/01/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77073	Web

09/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web

07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75702	Web

07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75702	Web

01/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44905	Web

12/10/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	SD 57730	Web

11/07/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SD 57701	Web

08/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WY 82007	Web	Servicemember

12/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75235	Web

03/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SD 57717	Postal mail

01/11/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SD 57719	Web	Servicemember

01/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	SD 57701	Web

11/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	SD 57106	Web

02/08/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	SD 57442	Web

08/21/2014	Yes	Debt collection Payday loan	Communication tactics Threatened to take legal action	SD 57752	Web