Financial Data Systems CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Web
After reviewing my credit report via XXXX XXXX in XX/XX/XXXX, I determined a negative entry from Financial Data Systems for {$530.00}. I contacted the company on XX/XX/XXXX at XXXX and spoke with XXXX initially who transferred me to XXXX a Ext.XXXX. XXXX informed me that XXXX at Ext. XXXX was out of the office, but she would have her to refill my claim. XXXX reasoning for allowing the claim to reprocess was due to the fact that they had wrong information regarding my insurance benefits. She confirmed the correct ID number as I provided it to her and she updated the file to reprocess. We did not verify the insurance provider at this time however. She explained that the claim was originally processed on XX/XX/XXXX. When she verified my name, I explained to her my legal name was not that of which was on the card ; XXXX instead of XXXX. She said that could have been the reasoning that the claim was denied. She advised me not to make any changes via HR to update my legal name until the claim had been reprocessed. I was advised to contact them back in 30 days for the results. XXXX provided me with two reference numbers : XXXX ( FDS internal # ) and XXXX ( XXXX XXXX Acct # ). On XX/XX/XXXX, I contacted the company back. Spoke with XXXX whom recalled speaking to me on the prior call and then transferred me back to XXXX. On this call, XXXX provided a very negative tone and told me that the debt was mines to pay. It was returned unpaid by the insurance company. I advised her I would contact XXXX XXXX XXXX XXXX, my insurance provider. She then advised that XXXX was not the provider they showed on record. My Subscriber ID with XXXX for the record is : XXXX. XXXX stated she would have XXXX file the claim to the correct insurance company with the correct subscriber ID already obtained in our first call. On XX/XX/XXXX, XXXX advised me they never originally received a claim for that particular service on the service date in question. There were however four ( 4 ) other claims processed and paid. On XX/XX/XXXX, I was informed by XXXX that the claim did not pay. They did not receive any claim for this provider until XX/XX/XXXX. The reasoning the claim was denied was due to improper filing period. The XXXX representative XXXX offered to conduct a joint call with FDS to see if they would provide Proof of Timely Filing. While speaking with XXXX, she was determined that they could not do so, nor would they do so. She advised that the claim was filed and filed correctly on XX/XX/XXXX and the debt was mines to pay. Meanwhile, disregarding the two previous occasions in which we spoke and clarified and/or updated the correct insurance information. The XXXX representative made several requests to obtain the documentation so that the claim could possibly be disputed. He even requested that the charges be written off since the provider was an in-network provider. XXXX was very hostile and I advised her that I wanted to make sure that the call was being recorded for quality assurance purposes. She verified that it was. I advised her that during the duration of our call, she never advised me that the call was an attempt to collect a debt. XXXX, reduced her tone and turned the subject around as to if I was the one being disrespectful during the call. She made sure she apologized to me stating she is sorry if I didnt think she was being professional, but she felt like I was not being respectful to her in realizing this was my debt. The XXXX representative and myself stayed on this call for over 45 minutes. We then contacted the providers office directly. The provider is XXXX XXXX. We ( XXXX and myself ) then spoke to XXXX at XXXX XXXX at XXXX option # XXXX on XX/XX/XXXX, whom stated she could not reprocess the claim, nor provide proof of timely filing. She advised after my request that she would discuss it with XXXX in the district office. The request was denied by XXXX when I spoke to her the following week on XX/XX/XXXX. My complaints are as follows : 1. The provider could not have filed a claim on my behalf on XX/XX/XXXX since the collection agency had inaccurate information. This was verified by XXXX on our original call and second call. It is interesting to point out that all additional claims were paid for that date of service except that one. The collector states they received my information from the facility in which I was treated. My question is how did the other providers receive my information for the same treatment, and their charges were paid? 2. The collection agency denied provided proof of timely filing based on their comments that it was over 180 days of the date of filing. My question would be, when the claim was filed again on XX/XX/XXXX, did that not begin a new series of 180 days? 3. With my insurance company making the request, with an almost guarantee that the claim would be paid by going through the dispute process, why wouldnt either the provider or collection agency allow this claim the opportunity to be paid?
07/29/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28411	Web
There is a company called financial data systems that is reporting unverifiable and invalid entries into my credit report for several years without my consent and several disputes with all three credit bureaus regarding this exact complaint : I have no knowledge of this account that Financial Data Systems is reporting to the credit bureaus with two separate entries, please see the attached documents for reference. Section 609 of the Fair Credit Reporting Act ( FCRA ) outlines a consumers right to order copies of their credit report and the information that appears on it for all to see and know including creditors and consumers alike ; it is crystal clear and non compliance is illegal and unfair to the consumer. Section 609 asserts your right to a copy of all the information in your credit file Including : 1. All of the information in your consumer credit files. 2. The source of that information. 3. Each person that has accessed your credit report within the past two years ( unless it was to complete an investigation ). 4. Businesses that have made soft inquiries within the past year. 5. Credit reporting agencies are responsible for removing any disputed information that cant be verified or confirmed and the same goes for creditors that report to the credit bureaus directly or indirectly and all parties are liable for inaccurate postings or reports to the credit bureau, the law is very clear. And, by law, the credit bureaus are obligated to provide a description of the dispute process if you request it in writing and to actually investigate a dispute. For example, we can use this complaint as example here : 1. A dispute of ownership or consumer complains of no knowledge of an account and requests All information in that specific credit file specific to each separate entry as desired as I have done here several times with XXXX, XXXX, and XXXX, and was ignored. To date, all three credit bureaus have not, can not, and will not comply with federal law and remove these two bogus collection reports to the three credit bureaus by Financial Data Systems because they cant. There is no signed agreement, contract, application for credit or any other form signed by me agreeing to pay these two specific amounts even if they are balance amounts from a paid account I did agree too, but it does not exist. I am entitled this information from the creditor that is reporting this bogus collection and the credit bureaus including the specific services relating to every penny that I agreed to pay at any point. I am not responsible for paying a bill with an amount owed thrown together arbitrarily and the specific and unique goods or services in the collection, but most importantly, that I agreed to by signature or contract, application fir Credit, and gentleman, this is exactly what has not been done here at any level because no agreements exists : even if they did, all services or goods unique to the collection must also be provided along with the documents just discussed. Again, no summary of actions taken to validate or make the collection claim verifiable in this case has not been completed by law and all three bureaus are in contempt and Financial Data Systems has not provided the necessary documents as discussed above even after sevral complaints and disputes even though required by federal law during a dispute investigation. All three bureaus and financial Data systems, as requested by me several times, even after I filed fraud complaints for these two entries on my Credit report by financial data system. I also filed same with the three credit bureaus, thus far, no documentation or valid response has been delivered to me in any shape or form with regards to providing to me ALL documents requested by me, the consumer. By federal law, my dispute MUST be responded to, with, the appropriate media ; A copy of the consumers ( me ) original signed application for credit bearing the consumers own signed signature, a contract with the original entity making claim bearing the signature of the consumer, or copy of original agreement bearing the consumers signature showing an agreement to pay a specific amount representing this collection amount being reported to the credit bureaus by, in this example, Financial Data Systems, a local collection agency and this has gone on too long, several years. This is the only and last warning I am dirty directing to the three bureaus and XXXX XXXX, remove my account immediately and once and for all and I will cease moving forward to hiring attorneys and possibly a class action law suit against you all. Gentleman, I hope you embrace this one and last chance to resolve this issue. God bless. Have a blessed day. XXXX XXXX
08/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30046	Web
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX FINANCIAL DATA SYSTEMS XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX, NC 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 Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
12/18/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 20747	Web
As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is XXXX activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) XX/XX/2021 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) 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. You, FINANCIAL DATA SYSTEMS and its representatives/agents is Civilly Liable for your transgression against me, a consumer, under 1692k. I take this lawful action ordering judgement against you. A court of competent jurisdiction can add additional damages if deems necessary.
05/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28405	Web
XX/XX/XXXX : I obtained my updated credit reports from XXXX, XXXX & XXXX & noted 5 different account in collections filed with Financial Data Systems for medical debt. XX/XX/XXXX : Certified letter delivered to Financial Date Systems ( attached with this complaint ) with receipt confirmation. In the letter ( s ) included I requested competent validation as evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay Financial Data Systems & that the account be removed from my credit report as the company 's reporting is in direct violation of Metro 2 Compliance by reporting different information among the bureaus ( specifically field 17a ). In addition, I also included a separate letter informing the company that under the Fair Debt Collections Practices Act, I have the right to request validation of the debt the they say I owe. I requested for any agreement with Financial Data Systems & their client that grants them authority to collect on this alleged debt, or proof of acquisition or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. And to attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. XX/XX/XXXX : Financial Data Systems send me a letter/documentation ( attached with complaint ). The only information they provided was the alleged dates of medical service, original creditor/client & itemized account balances- which do not even reflect what was reported to the bureaus. However, HIPPA was violated in that the collection agency ( Financial Data Systems ) had an invoice from XXXX XXXX XXXX ( medical provider ) listing the charge description as " emergency dept visit ''. The invoice lists three accounts/charges for : {$730.00}, {$650.00}, $ XXXX- all which have a bill from Financial Data Systems & is reported on my credit report. However, in addition to Financial Data Systems having those three bills they also included & reported accounts for {$410.00} and {$180.00} that is on my credit report for services from XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX- which these services were not even listed on the original creditors invoice and no additional documents were provided to validate those accounts. The account for {$150.00} claims the original creditor/client is XXXX XXXX XXXX, yet no additional documents were provided to validate account. Financial Data Systems also included a random invoice for a missed appointment with no office/client/original creditor listed, addressed to a house I haven't lived at since XX/XX/XXXX, but the date of service is reported as XX/XX/XXXX and has a balance of {$25.00}. Nothing is validated Not one of the documents included provided competent evidence bearing my signature as proof the accounts belong to me, as I requested.
09/15/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NC 28411	Web
This is an EMERGENCY dispute.This needs to be reviewed by a human, and a supervisor immediately..This is a new dispute that will also touch on other violations that is in need of immediate viewing by the staff at CFPabThis is not a duplicate dispute as claimed by the collection agency Financial Data Systems , do to their immediate actions today to conceal this dispute against them recently in a manner that is profoundly concerning and I feel others may becoming a victim or have been to this behavior and other actions by them -. I chose the closest descriptors to this complaint as the cfpb does not have an option for me to chose coercion against me in a personalized letter to me which is a direct violation of the rules, regulations, laws, ethics and federal agencies as a part here of, have pledged to do after creditors or collection agencies or furnisher that uses any form of communication including, and specifically addressing coercion as one of the most serious violations that a collector could engage and willfully cast upon anyone that has a collection with the so called collectors Company Furthermore, today The same company, Financial Data Systems, witted themselves in a clever process of spamming replies to CFPB and apparently tagging all responses as duplicates to other complaints that they fell short of, did not resolve, and has not provided one satisfactory resolve to the amount of disputes filed against them - it seems to me that Financial Data Systems have cleverly learned how to manipulate this dispute process with CFPB as they have for years with the credit bureaus and I have proof that they have perjured themselves many times by supposedly validating the two medical bills in question on my report for years with all three of the major Credit bureaus, according to their many responses to me, but they admittedly told you in a previous complaint that they did not have ang validation documents and they would get in touch with their client the original client and have them send me that informationand guess what- they didnt, but they did send me a letter with content that was wrong, threatening by coercion withs regards to me filing disputes which by the way were all ethical and permitted by law, and now we are bringing to your attention their act of misuse of this CFPB And mountains of proof, I am filing this with CFPB and if the FTC and if this is not addressed immediately I am reporting them to the FBI for the many many issues and their reporting of - to my credit account. I have been more then lenient but the behavior of that company is appealing and is making a mockery out of this entire system and violating my civil rights along the way with no remorse or contribution to the ongoing damages upon me.
12/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NC 28269	Web
Financial Data Systems has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested. The letter below is what I have sent them and the 3rd party company has not responded to my requests. The account number for this 3rd party creditor is XXXX amount {$14.00} The letter below is what was sent to thm regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear Finanacial Data Systems, After viewing a copy of my credit report, I noticed a collection account placed on my credit from Financial Data Systems in the amount of {$14.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. 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
04/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 28027	Web
This past weekend I found a " collections '' item in the amount of {$27.00} on my XXXX credit report, dropping my near perfect score by XXXX points! I have NEVER had a collections account! It was from Financial Data Systems, which I found to be a collections company in XXXX, NC. There was a note that it was related to " XXXX XXXX '' and dated XX/XX/2021, nearly 6 months ago. I have never received any bill or communication of any kind from either XXXX XXXX ( their correct name ) or Financial Data Systems. I spoke with both XXXX XXXX XXXX XXXX ( XXXX XXXX 's billing service ) and FDS this morning. XXXX explained that the amount owed was related to a medical procedure I had last year. That procedure generated many bills, some from providers I had never heard of. I paid every single bill that was sent to me by all providers. However, XXXX stated that they sent XXXX bills to an address that is more than XXXX XXXX XXXX. XXXX stated they got the address from XXXX XXXX, and because none of the bills were returned as undeliverable, they followed proper procedure in sending it to a collections company. I have no idea how XXXX XXXX got that old address, but it seems irrelevant as I provided my current address on all forms I filled out related to the procedure. I know this is true because all the other providers used that current address to send me bills! In speaking with Financial Data Systems, they said the same thing, they got the address and phone number ( also incorrect ) from XXXX, they sent notices to that address and called that phone number, and because nothing was returned as undeliverable, they followed procedure and reported it to XXXX. In speaking with them, they promised that the collections item would be removed from my credit report when paid. I asked for that statement in writing before paying, and they refused. They said that I could pay an additional {$10.00} and they will send me a " deletion letter '' tomorrow after the payment posts. I paid both the {$27.00} and the {$10.00} " deletion letter '' fee, despite the fact that I feel I should not have to pay a fee to get an error on my credit report corrected. That is like mugging me twice! I have no documents to provide as I never received anything from these 3 companies. I am making this complaint against all three companies who created this situation : 1 ) XXXX XXXX XXXX of XXXX, NC, 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC, and 3 ) Financial Data Systems XXXX XXXX, NC.
11/07/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78251	Web	Servicemember
I initially submitted a previous complaint regarding the same issue ( # XXXX ). I just received a written response from XXXX. The issue is still unresolved and just as troubling my credit report is filled with inaccuracies regarding my personal information. To recap, the merchant XXXX XXXX XXXX 2 reported 2 accounts as delinquent to both XXXX and XXXX in XXXX. Both companies concluded neither account belonged to me. In XXXX, the same merchant again reported the same 2 accounts to both credit reporting agencies. However, while XXXX again concluded neither account was mine, XXXX now says they are mine. In the credit report XXXX sent me, they did not.provide me receipts or any other documentation showing the accounts are mine. They simply stated, " we verified that this item belongs to you. '' But no details were included, not even an address " unknown ''. So I am absolutely stating these accounts are not mine. And after reviewing the personal details of the credit report XXXX sent me, I am 100 % certain I am the victim of identity theft and/or fraud. Here are the reasons why : 1. My name on the report is listed as XXXX XXXX XXXX XXXX ( I have never in my life added any suffix to my name. 2. The report lists a previous address as XXXX XXXX XXXX, XXXX, TX XXXX. That house is across the street from me. I HAVE NEVER LIVED THERE. My fear is the postboffice may have inadvertently delivered mail to the incorrect address at some point. My now deceased wife was an identity theft victim years ago when our mailbox was breached. 3. The report also lists a previous address for me as XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I HAVE NEVER LIVED AT THAT LOCATION. 4. Lastly, the report states both collection accounts were created on the same day with 2 separate account numbers on the same day ( # XXXX & # XXXX ) .How is that possible when I am one person? In addition, I have had excellent medical coverage through my employer for the last 16 years. Due to extensive health issues I met my deductible early in XXXX and certainly would not have had a copay for any medical services especially in XX/XX/XXXX. Nor would I have received any medical services from any provider who did not accept my insurance. XXXX had not provided me with ANY documentation or tangible proof that these 2 collection accounts belong to me, other than to say, " we verified this item belongs to you. ''
09/21/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32824	Web
I have no idea who Financial Data Systems LLC is or who they represent. This company entered collections on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Financial Data Systems LLC is indicating that an account with the account number XXXX was opened on XX/XX/2013 and XXXX was opened with their company in XX/XX/2013. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. Financial Data Systems LLC did not provide any of the information requested and did not respond when contacted via certified mail RR XXXX XXXX XXXX XXXX XXXX When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Financial Data Systems LLC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ Financial Data Systems LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to Financial Data Systems LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
08/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC XXXXX	Web
I submitted a complaint against Financial Data Systems on XX/XX/XXXX addressing the companys direct violation of federal & state laws by failing to include their NC license permit number ( XXXX ) on the stationery/correspondence form ( copy attached ), as well as the company 's TRUE address ( not a PO Box ). This is a direct violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence. All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) Financial Data Systems is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. Financial Data Systems response to my formal complaint on XX/XX/XXXX was as follows : We have verified these accounts a number of times. We have also responded to the NC Department of Justice in regards to these accounts. Our clients have provided information to him. We have had these accounts since XXXX and XXXX. I have contacted each client again in regards to the accounts. We notified XXXX XXXX that XXXX XXXX XXXX is allowing us to cancel that account out. Which we have done and have sent information to the Credit Bureaus for it to be deleted. XXXX XXXX is responsible to pay the other accounts. Financial Data Systems did not even address the issue of my complaint, nor was their response related or relevant to the complaint at hand. The company continues to willfully remain non complaint with North Carolina Department of Insurance General Statures.
06/13/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 38637	Web
Though XXXX XXXX, I was notified of 2 collection accounts that was reporting on all 3 bureaus. I also confirmed this through phone communication with them. I then submitted my dispute by mail. I then received one letter from XXXX XXXX which I included in this complaint. I followed up with the bureaus on the XXXX with a letter stating that they have not complied with the law by not communicating with me the results of the investigations that they are compelled to do with 30 days. Financial Data Systems has not provided any information or proof that this debt is mine. These collectors has not provided any information to me as proof that this debt is mine, yet continues to report this information to the bureaus. I have asked for the information in these communications that I will upload. They also did not respond in a timely manner or ignored my requests outright. I am submitting this on my own behalf. I have no other authorized third party. These collectors did not provide HIPAA release to be able to collect on this debt. They did not provide any information to me asking for validation of within 5 days after intial communication per 15 United States Code 1692g ( a ). Failed to provide proper verification. Communication with bureaus violating my right to privacy providing them with false reporting. Under 15 United States Code 1681n ( a ) ( 1 ) these violations have caused damages to my personal credit due to false, misleading, unverified, and unvalidated information. 15 United States Code 1681a ( 3 ) ( A ) and ( B ) restricts sharing medical information and services such as listed as " Emergency Dept Visit ''. No response when asked to provide signed contracts as well as no response within 30 days of dispute. Under 15 United States Code 1681c ( C ) ( 1 ) this debt has passed 180 days and should no longer be on a consumer report. I still have not recieved a credit report with updated information from these agencies, nor mention that this disputes is or even will be listed.
12/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29405	Web
Good Morning, During the process of reviewing my credit report. I noticed the company Financial Data Systems Inc. on my credit reports as collections multiple times. It states the file was opened on XXXX/XXXX/2017 in several different amounts for this noted date. Amount # 1 : {$29.00} Amount # 2 : {$120.00} Amount # 3 : {$26.00} Amount # 4 : {$120.00} & Amount # :5 {$200.00}. I have contacted this company via certified letters asking for validation of these debt amounts because they do not belong to me. I did not receive a response from this company. I have also made attempts to contact this company via telephone & informed the rep that I sent out letters requesting validation & informed him that these debts were not valid. The individual attempted to still collect a debt after I informed him multiple times during the call that the debt did not belong to me & that it was IMPERATIVE they removed these debts from my credit report. I then contacted XXXX & XXXX via certied letters requesting that the debt be validated or deleted. In response I received correspondence stating that the debt was validated but there was no proof of validation as requested. Which in turn I sent a second round of letter to both the credit bureaus & the debt collector to attempt to resolve this matter. Financial Data Systems then sent an update to all credit bureaus on XXXX/XXXX/2017 causing an additional major hit to my credit. Financial Data Systems Inc is not licensed or authorized in the state of South Carolina to collect on any debt. Their license has been considered dissolved which means it is not legal for them to practice debt collection in the state of South Carolina. So I do not understand why this company is attempting to collect on debt especially debt that does not belong to me. I have exhausted all of my options as an attempt to reach a resolve in getting this debt removed off of my credit report with all bureaus.
06/15/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC XXXXX	Web
I recently requested validation of a debt collections listed on my credit report under the company Financial Data Systems. The company sent correspondence as to what they believe is proper validation of the accounts, however by doing that it was found that Financial Data Systems failed to include their NC license permit number ( XXXX ) on the stationery/correspondence form ( copy attached ) as well as the company 's TRUE address ( not a PO Box ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence. All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) Financial Data Systems is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website. The accounts in debt collection assigned to this company must be deleted as the company collecting on the debts ( Financial Data Systems ) violated not only federal laws, but also state laws, mandated by the North Carolina Department of Insurance General Statures ; 58 70 50.
06/09/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28227	Web
Account # XXXX XXXX XXXX {XXXX} SEE ATTACHED Greetings, This is a formal complaint against Financial Data Systems Inc for furnishing information to XXXX XXXX, and XXXX. Please note that this company has over 800 complaints that are active with the Consumer Financial Protection Bureau. Additionally, this company has 41 complaints with the XXXX XXXX XXXX. This company has fraudulent behavior and I demand that these accounts be removed from all three credit reporting agencies which include XXXX XXXX XXXX XXXX The actions of Financial Data Systems Inc violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of Financial Data Systems Inc in their question to damage my credit standing based on XXXX XXXX XXXX motivation and retaliatory tactics for filing a complaint against Financial Data Systems Inc with the North Carolina Office of Financial Regulation. Financial Data Systems did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file a suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously. Please review the following attachments. Sincerely,
08/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 284XX	Web
I attempted to pay XXXX XXXX XXXX XXXX XXXX the full amount that I owed from an emergency room visit on XX/XX/XXXX, and made monthly payments of XXXX dollars, for 7 months. I received a call in XX/XX/XXXX from a company called Financial Data Systems, telling me that I owed XXXX XXXX XXXX, a company that I never heard of nor authorized service from, a large amount of money, and that that amount was now in the possession of their debt collection agency ( Financial Data Systems ) .I never received an email, letter, or call from XXXX XXXX XXXX telling me what, how much, or why I owed any money, and still do not understand the charge, prior to it being transferred to collections. I also never received or signed any form at XXXX XXXX XXXX XXXX XXXX on or after XX/XX/XXXX authorizing a bill from XXXX XXXX XXXX. The charge from XXXX XXXX is now negatively impacting my credit score as it is in collections, when I never knew about nor authorized the charge. I have had another poor billing situation with XXXX XXXX XXXX XXXX XXXX in XXXX, telling me that I needed to come in for a XXXX XXXX XXXXXXXX in XXXX, and was told by the patient representative at my appointment that my insurance would cover the cost of my visit. To my dismay, the XXXX visit was not at all covered by my insurance and I was not offered any kind of financial assistance or explanation from XXXX XXXX XXXX XXXX XXXX XXXX, and my debt was sent to a company called XXXX, despite trying to resolve my complaint with XXXX XXXX XXXX XXXX XXXX. This hospital system makes erroneous charges and misrepresents when, what, and from whom they are billing for services.
02/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WV 258XX	Web
I was applying for a mortgage and found a {$180.00} collection on my accounts for from financial data systems. My ex-husband was court ordered to pay this debt and never did. I was under the assumption that he had paid it, until a loan officer pulled my credit. I tried to dispute under reason of " no longer liable due to divorce ''. I don't have the time to wait for the dispute process, and My loan officer told me that it would be best to have this collection removed from my report as soon as possible so that I can obtain pre-qualification for a mortgage, which I CAN NOT DO WITH THIS COLLECTION ON MY REPORT. So I went ahead and paid the debt on XX/XX/2018 IN FULL to financial data systems. I spoke to a lady named XXXX and she took the payment over the phone and I asked her would this be removed from my credit report. I REPEATEDLY ASKED IF CREDIT BUREAUS WOULD BE NOTIFIED SO THIS WOULD BE REMOVED FROM MT CREDIT REPORT. She told me that first thing the next business day the information would be sent to all three credit reporting agencies. HOWEVER, this item is still showing on my credit report. I have disputed this item with all three credit bureaus via online dispute forms. I decided to do a follow up phone call with the 3 bureaus today. I was told that they have not received any communication from financial data systems as to the status of this account. I was told this account could not be removed from my credit report unless financial data systems tells the credit bureaus to delete it. I have copies of the receipt where the debt was paid in full.
04/26/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 281XX	Web
I sent a validation letter to Financial Data Systems ( FDS ) dated XX/XX/2019, requesting that the company validate reference no. XXXX which is currently being reported to the credit bureaus. In my letter, I also specifically requested evidence showing the company 's legal authority concerning this matter. More specifically, I requested a copy of the alleged contract or instrument bearing my signature. In addition, I specifically requested proof FDS is authorized to collect this debt and has the legal authority to do so. FDS responded to my first request for validation in a letter dated XX/XX/2019. Included with the letter was a copy of a statement from XXXX XXXX XXXX in which the description of the services were redacted. In a letter dated XX/XX/2019, I again specifically requested that FDS provide me that the company is the legal owner of the debt, and that FDS has the legal authority to collect this debt, as well as a copy of the contract bearing my signature. FDS has not provided evidence that the company is the legal owner of this debt and that the company is authorized to collect the alleged debt as I have never had an account or contract with FDS. Therefore, I have no legal obligation to pay a debt that can not be validated with proper evidence. FDS is not in compliance with federal credit reporting laws and is reporting inaccurate information to the credit bureaus. I hereby request that FDS promptly remove any and all references from all three credit bureaus and cease and desist all communication with me concerning this debt.
09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 290XX	Web
Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. This company is showing 2 separate accounts on my consumer report I have attached documentation that I have sent to this company concerning this matter.
03/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC XXXXX	Web	Servicemember
This account was placed on my credit report for an old cable company with a balance for equipment fees. The equipment was turned in and original debtor updated to show balance owed to them was {$9.00}. I paid the balance that was remaining and original debtor shows the account has a {$0.00} balance. I have sent proof of all statements and credits to the account from original debtor to the collection company and to the credit bureaus while and disputed it multiple times. The collection company keeps reporting to the bureaus that the debt is valid and I owe a balance even with proof of payment and {$0.00} dollar statement from original debtor. They refuse to cease reporting the erroneous information and account after multiple phone calls emails and requests to have it corrected and removed. They also are reporting different account numbers across the three bureaus that do not even match the account number they gave me or the original account number with XXXX XXXX. I have tried to speak to different representatives but I am always transferred back to XXXX who states that they don't work on my time they have a business to run and that it doesn't matter if I have sent them proof of {$0.00} balance with original debtor because she shows that I owe her company a balance. I have given them ample amount of time to address this problem and they keep reporting fraudulent information and trying to collect on a debt I do not owe. They are completely unwilling to correct this situation
09/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29445	Web
Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I have multiple names on my report that are not mine. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00}
01/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31061	Web
I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 credit reporting bureaus that there was a collection account added to my report. The company 's name is Financial Data Systems showing an account # of XXXX stating that the debt came from XXXX XXXX XXXX. I have never heard of the company Financial Data Systems. I am unaware of this company, the amount, the debt and it's origin therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I do no recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that Financial Data Systems provide a copy of my signature with the provider of service to release information to them. I demand that Financial Data Systems DELETE credit reporting from XXXX, XXXX, and XXXX until this debt is validated by me. 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 agency. Please delete this collection account from XXXX, XXXX, and XXXX and cease all collection activity!
11/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 294XX	Web
To Whom It May Concern : I receive a copy of my credit report with the intention of trying to improve my credit, and take care of my responsibilities. I noticed a few accounts that I want more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the accounts being reported on me, I have never heard of which caused me to write to you. Are you familiar with something called 15 U.S.C section 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well, I want to this account deleted if they are not 100 percent right and correct. So, could you please check on this account and get back to me promptly? I saw on a Credit Site and Board where this lawyer said, You have 30 days to complete this investigation. I did not establish a relationship with this account for them to report nothing on my credit file with none of the credit bureaus. Please investigate the following account and remove off my credit report on all three credit bureau reports. I demand the following account to be verified or removed immediately. FINANCIAL DATA SYSTEMS XXXX XXXX XXXX XXXX XXXX, NC XXXX I also read where I can get the updated report after you investigated this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. Best regards, XXXX XXXX, XXXX
01/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 282XX	Web
On XX/XX/2015, I was in my XXXX year of college when I was XXXX XXXX and taken to the hospital. Most of my time there was a blur as I was very injured and drunk, but an advocate from the local XXXX crisis center as well as my mother were with me. I was given a XXXX kit but told that I wouldnt have to pay for anything because care for XXXX XXXX victims is covered by the DOJ. In the years that followed I never once received any sort of bill from this visit or a notification to on that anyone was attempting to collect a debt. I only learned of the collection when, at age XXXX, I tried to apply for my first credit card and saw the collection already on my credit report. I attempted to contact the owner of the debt, XXXX XXXX XXXX at XXXX more than once to dispute this debt and to ask for proof of services rendered. I was never given any and told that I would have to get it from the hospital. When I contact the hospital I was told that since they sold the debt to a collection agency they too dont have any record of it. This debt has been negatively impacting my financial health for years without my knowledge, and to date nobody can even offer proof that I owe it, other than to say that my name is associated with the account. I am being constantly hurt and reminded of the worst day of my life by this predatory debt and am seeking recourse and want to find a way to permanently solve this very distressing situation.
02/26/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	SC 295XX	Web
XX/XX/XXXX, hung up on by staff XXXX as I asked for the details of what I owe Financial Data Systems for the amount of {$1000.00}. I, XXXX XXXX, was requesting that Financial Data Systems provide verification of this debt with account number XXXX. I, Requested the name and address of the original doctor bill, any signed documents to see specific doctor, any agreements made with the doctor, the account number, and the amount owed. Requested any signed documents with the doctor for his service and all original documents of XX/XX/XXXX medical services with the specific doctor claiming I owe. Requested Verification all details of the original bill and original signing agreements to such doctor, including all pages. Requested for Financial Data Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX www.fdscredit.com shows that there is a valid basis for claiming I am required to pay the current amount owed of {$1000.00}. No verification was given to me from the medical bill including any agreements signed. I was sent an invoice and collection on credit reporting agency from Financial Data Systems for a debt of {$1000.00} with no validity to debt and no agreements signed for debt. Details about the age and amount of the debt including a copy of the last billing statement from the doctor. My address is in XXXX XXXX and XXXX XXXX, I never got notice at my address of this debt before. Sincerely, XXXX XXXX
06/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31061	Web
I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 credit reporting bureaus that there was a collection account added to my report. The company 's name is Financial Data Systems showing an account # of XXXX stating that the debt came from XXXX XXXX XXXX. I have never heard of the company Financial Data Systems. I am unaware of this company, the amount, the debt and it's origin therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I do no recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that Financial Data Systems provide a copy of my signature with the provider of service to release information to them. I demand that Financial Data Systems DELETE credit reporting from XXXX, XXXX, and XXXX until this debt is validated by me. 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 agency. Please delete this collection account from XXXX, XXXX, and XXXX.
03/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 287XX	Web
Financial data systems L. The account was opened on XX/XX/2015. I had a procedure to remove my first XXXX at XXXX XXXX XXXX XXXX XXXX. After they removed the XXXX they apologized and said they did not have any other devices in stock and that it would take at least another month to get more in stock. They said that would mean they would need to reopen a healer wound. The doctor did not recommend this and referred me to what they called a sister clinic. I asked the receptionist if this procedure would be covered 100 % by my insurance ( as it has in the past ) and the receptionist reassured me it would. I went straight to the sister clinic and had the XXXX XXXX by a med student. This med student XXXX the device improperly, which would cause me to XXXX XXXX XXXX to have the device removed three years later when the device was somehow undetectable. Then I receive calls from a credit collection agency saying that I never paid my hospital bill. I called XXXX XXXX XXXX XXXX XXXX and the sister clinic ( which was actually new XXXX XXXX medical centers ) to try to figure out how I could possibly have a bill. They stated over and over that my insurance didnt cover the procedure. I called my insurance who stated procedure should had been covered. I called the collection agency and relayed this information and to no avail they claim that I still owe them money for this procedure.
11/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MD 20912	Web
My dispute is regarding : Financial Data Systems XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Early XX/XX/XXXX Financial Data Systems XXXX XXXX XXXX XXXX, XXXX, and XXXX to report me for collections as owing {$90.00} in XXXX XXXX. They claimed that they sent me a notification regarding this debt in XX/XX/XXXX. I NEVER received any notification about this {$90.00} debt. The first I heard of it was when I was alerted of the collections on my credit report. Upon being made aware of this debt I immediately disputed it with all 3 credit bureaus. Both XXXX and XXXX removed the debt within 48hrs of my dispute. However, XXXX refuses to remove the debt. They state that " we have verified that this item has been reported correctly. '' Which is not true. This company never alerted me to this debt prior to putting me in collections. I called the company the week of XX/XX/XXXX. According to them the debt was from a service at XXXX XXXX XXXX in XX/XX/XXXX and they sent me a notice in the mail. Only 1 notice in XXXX, that's it. They never called me. I did not receive this notice at all. I believe they are lying. I gave the representative my phone number to have them call me back. No one called me back so far. I also filed a dispute with the company. I requested a dispute ID number so that I can call later to check the status. The representative said they don't have tracking numbers.
11/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28411	Web
I did not recognize Financial Data Systems ( FDS ), XXXX XXXX, NC, a company whose emailed message XX/XX/2023 indicated their intention and purpose as a debt collector, and the email an attempt to collect a debt : A representative informed me the debt had been referred to them from XXXX XXXX XXXX XXXX ( XXXX ), from whom I had not previously received direct services nor a bill. I had received emergent care services through XXXX XXXX XXXX in XXXX ; however the date of service indicated electronically by FDS on their website ( in their solicitation for payment of a debt linked via the email ) did not correspond with the date on which I received services. Not being certain what the debt was, but wishing to avoid being penalized for non-payment, I submitted an agreed-upon, one-time VISA payment of {$25.00} to XXXX, despite having made payment arrangements with XXXX XXXX ( the only provider from whom I've received emergent healthcare services ) via XXXX XXXX XXXX to address an outstanding debt by making {$25.00} monthly payments. Additionally, I contacted XXXX XXXX XXXX XXXX at ( XXXX ) XXXX and verified there is no current debt linked to my identification : I double-checked this record for full accuracy at XXXX & XXXX ( reference # XXXX ) and found no associated debt to XXXX in my name, XXXX XXXX XXXX collection unsupported.
07/20/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 27705	Web
On XXXX XXXX, XXXX cashed a check in settlement of money owned. We received a notice from a creditor, Financial Data Systems, XXXX, that XXXX passed our account to them for collection due to non-payment. Prior to this notice, we received no second or third notice of non-payment from XXXX, and we had no reason to believe after the check was cashed that there was any potential issue with the account or XXXX accounting. We contacted XXXX XXXX on XXXX XXXX, and they stated they would open an investigation and have a superior call us. We contacted Financial Data Systems, XXXX to inform them of the error, and Financial Data Systems, XXXX stated they would await notification from XXXX XXXX XXXX On follow up on XXXX XXXX, no investigation had been started by XXXX XXXX XXXX Re-requested both an investigation and a call back from the supervisor. We continue to be at risk of Financial Data Systems, XXXX filing derogatory payment data to credit reporting agencies due to this error despite being pro-active and aggressive in seeking a resolution. All consumers working with XXXX for medical billing should copy / scan all payments before mailing and keep a copy of the cancelled check ( front and back ) on record. At the time of this complaint, the issue remains unresolved.
02/04/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29579	Web
In XXXX of XXXX my ( then husband ) told me that we were moving and needed my ID and SSN emailed to a lady. He said he took care of everything and I was not on the lease, they just wanted to know who would be living there to run a background check. He kicked me out 3-4 months later in XXXX of XXXX and said it was his house because I wasnt on the lease. Later in XXXX, around XXXX, I received a debt collection from XXXX XXXX XXXX in XXXX XXXX stating that I owe {$3700.00} because he defaulted. I contacted the company and was told that I signed the lease. No one was trying to listen to me or help me. It was during Covid so I couldnt visit their office. After going back and forth with the collection company, Financial Data Systems and the rental company, I was getting the run around and was told that I signed the lease. When I FINALLY received a copy of the lease, emailed to me, MY SIGNAUTURE NOR INITIALS were anywhere to be found. All places where a second person would have signed or initialed were blank. Only my ex husbands signature and initials were on the document. This collection has caused me to be denied rentals to live and has caused a high negative impact on my credit. I want this removed.
11/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28210	Web
I have paperwork that i have sent to the company an also XXXX. Numberless of times I ask for validation of Debt The creditor has refuse to send me a copy of the original contract with my signature bearing Is that do not belong to me Ive spoken with Credit or today via phone on XX/XX/2019 The president of the company stated he doesnt have to provide me with a contract that is tying me to this dead. He told me he sent a letter out to Meme and I never received a letter but he said he is not required to spend money to send anything to me certified mail to be sure that I got it. Ive asked XXXX To validate the debt Not through email but certify mail because through email or fax any could fraudulently post things on my credit report. They have also fell me to please help. I also asked the company not to call my phone again after I spoken with the president of the company he said that he can call me when he wants when is concerning this Deb and he called me back I have proof They are telling me that the debt is accurate but not telling me how the devil is accurate theyre not giving me any information and has failed to respond to my dispute request providing me with the information I requested of them
07/27/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 291XX	Web
XXXX XXXX XXXX XXXX has reported three separate accounts as delinquent on my credit reports with all three agencies. Not only did they report these accounts as delinquent on my account, they sent them to a collections agency who also reported the accounts as in collection on my credit reports. I have never received a bull or phone call from either of them. To make matters worse, when I called XXXX XXXX six weeks ago, I spoke with a supervisor who admitted to not sending any letters and also stated she would reach out to the collection company and have them and Sound Physician remove these three accounts from my report. I'm not sure why they reported these medical bills because these bills were accumulated on behalf of my special needs son who has XXXX and all of his medical bills are paid for 100 % by XXXX. The supervisor admitted to having spoken with XXXX and XXXX advised them to terminate the account. I have reached out to all three credit bureaus and filed disputes to no avail. My credit is ruined and I would like them to remove themselves from my credit report as they are knowingly reporting a lie to get paid for accounts XXXX has already paid.
09/20/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28443	Web
10 total accounts for Financial Data Systems : XXXX {$140.00} XXXX {$100.00} XXXX {$180.00} XXXX {$180.00} XXXX {$140.00} XXXX {$180.00} XXXX {$140.00} XXXX {$86.00} XXXX {$87.00} XXXX {$140.00} I started off with bad credit because of debt that I didnt even know I had. After contacting My medical billing office several times, they claimed that they can not do anything about claims sent to collections. These accounts were paid off all at once at the beginning of this year. They have been paid off for months now and theyre still hindering my credit. To this day theyre trying to collect several hundreds of dollars from me. At the beginning of this year I tried paying everything off through the company itself as well as through the debt collection company. I was successful with the debt collection company, but the medical facility now has inaccurate records for what I owe them. I have been harassed all year long for an amount that I do not owe them. Ive tried to get in contact with them and they refuse to meet with me. They just tell me I have to call and talk that way. Which has gotten me nowhere. I would like for all of this to be put to an end.
06/19/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NC 28269	Web
Upon pulling my credit I noticed Financial Data Systems had reported debt to all three credit bureaus. I sent a debt validation request on XX/XX/18 which they never responded and sent a second letter on XX/XX/18 requesting that they stop reporting this debt due to failure to validate within 30 days required by the FDCPA. They continued so I filed complaints with the XXXX, CFPB and FTC and they proceeded to call my phones. I never recieved phone calls prior to my complaints with the mentioned agencies. Financial Data Systems has started calling my phone leaving messages offering a pay to delete the accounts. I will NOT pay to delete accounts that they will not furnish proof of. As of XX/XX/18 I have mailed them a certified cease and desist order to end further calls to my home and cell phones. The following are dates where FDS has called and left messages from phone number XXXX : XX/XX/18 @ XXXX XXXX, XX/XX/18 @ XXXX XXXX, XX/XX/18 @ XXXX XXXX and XX/XX/18 @ XXXX. This company has refused to provide debt validation and therefore has no reason to continously call my phones. Until there is proof of debt there is no need to converse via phone.
10/06/2022	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	NC 28411	Web
Okay today - Financial data systems falsified another complaint response by tagging it a duplicate complaint. I filed a complaint regarding them sending me a threatening letter coercing me to stop disputing ( see attached ) okay so again, this has happened multiple times over the past 8 weeks - Financial Data systems is providing falsified responses to the CFPB in a cover up attempt and not having to respond to the complaint which is a serious violation that they have not responded to at all this far. More proof- the complaint number today that Financial Data Systems responded with a duplicate tag is XXXX and they claimed that that complaint number is a duplicate of XXXX which when you actually look at that complaint it is an entirely different complaint and totally different subject matter! I have copies of it all Im attaching it all here. Again this is not a duplicate- this complaint may have been submitted several times and thats only because the complaint has never been answered to by Financial data systems because they keep concealing it through deception. I have proof of them with this pattern of behavior and happening often.
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28278	Web
the credit bureau never did a propre " investigation " according to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information. they did not do this. Also, they have violated my right even more in accordance with the Fair Credit Reporting. The credit bureau stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also violated the law, because according to 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 Comsumer reporting agency can not furnish an account without my written instructions. I did not give anybody written instructions.
05/21/2018	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 Their investigation did not fix an error on your report	NC 28269	Web
Upon checking my report I noticed that a collection agency Financial Data Systems was reporting unpaid debt to 3 credit bureaus and I had never received any type of notice from them. On XX/XX/XXXX I sent a debt validation request to Financial Data Systems for these accounts they reported to the credit bureaur XXXX The amounts for these accounts are {$100.00}, {$65.00}, {$30.00}. The collection agency never responded and failed to provide proof of this debt. On XX/XX/XXXX I sent a SECOND letter to the collection agency and all three credit bureaus that the collection agency failed to provide proof of debt and under the Fair Debt Collections Practice Act they are required by law to stop reporting this debt. On XXXX XXXX I received notice from XXXX stating that this debt has been VERIFIED to them and they have updated my report as this debt being correct. I never recieved notice of this debt by the collection agency Financial Data System, I was made aware only after pulling my credit report. XXXX is violating the FDCPA by reporting debt that has not been proven to belong to me.
03/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28411	Web
Medical bill disputed with provider was sent to Financial Data Systems. Have made repeated attempts to contact this company in regards to bill. Can not get a response in any form. Have disputed the hit on my credit with XXXX and XXXX and disputes get kicked back as dismissed with no contact from the collection agency or anyone representing them to give me information to resolve the debt. At this point my credit is being negatively affected by a collection company that will not do the basic minimum required to settle the debt beyond continually holding the debt and not communicating. It goes without saying if i can not communicate and establish any type of payment or get a response how is it remotely fair to continue to keep hitting my credit for this debt. After the 4th dispute for lack of communication I assumed someone would have at least emailed, called or sent paper mail in regards to the debt. It is asinine to have to be held over the fire by a company that does not do the bare minimum legal requirements for debt collection.
08/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web
RE : Account : # XXXX After formally disputing the collection account referenced above ( that does not belong to me ) with Financial Data Systems & the credit bureaus, I filed a complaint with the Attorney Generals Office against the debt collection. The correspondence from Financial Data Systems, dated XX/XX/XXXX, to the Attorney General office stated that they had enclosed information in regards to what they sent me & attached a copy of the financial agreement form dated from the alleged time of service, XX/XX/XXXX XXXX, however I did not sign that agreement & the Signature of Patient section is completely blank, no one signed it- including the alleged witness! The company continues to claim that the collection account is valid & my responsibility, however it is impossible to validate any account if the financial agreement is NOT signed by the patient/consumer ( or anyone for that matter ). There is no legally binding contractual obligation verifying I am the one responsible for the alleged amount owed ( {$410.00} ).
01/17/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 294XX	Web
I had been disputing a bill with Imaging Specialists in XXXX. XXXX for service in XXXX of XXXX. I had them confused with XXXX XXXX in XXXX XXXX who I also received imaging from. Last time I spoke to Specialty Imaging in XXXX I was told I had no balance. In XXXX I realized I had the two companies messed up. I contacted Imaging Specialists on XX/XX/XXXX or XXXX. Explained the mistake and can they send me a bill. On XX/XX/XXXX, I received a notice from XXXX that a connection account has been added to my account from Financial Data Systems LLC. XXXX XX/XX/XXXX I received a notice from XXXX that a collection account has be put on my credit report from Financial Data Systems LLC. The bill is for {$200.00}, its not a lot of money. I am more aggravated that I was put into collection while I was asking of a detailed bill of what I was charged and what was covered by my insurance. The reason is I had XXXX XXXX on XX/XX/XXXX and I hit my yearly deductible in XXXX.
08/14/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	SC 293XX	Web
Financial Data Systems, LLC is a collection agency for XXXX XXXX XXXX. XXXX did not file the appropriate medical claim to my insurance carrier for payment for date of service XXXX/XXXX/16. This visit was for an emergency room visit and all charges should have been submitted to my insurance carrier for payment. XXXX 's charges are for {$160.00}. FDS reported said amount to two different credit agencies after agreeing to remove said debt from my credit file. They stated that their client had been provided the correct insurance information. My insurance carrier contacted FDS and XXXX to insure that the correct information had been provided. My insurance carrier has yet to receive a claim and this negative information is still being reported to my credit file for an amount I do not owe. FDS has not complied with their original statement to remove this debt. They have been informed on several occasions that this debt should.be filed with my insurance carrier.
08/05/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28208	Web
Financial Data Systems Dates : XX/XX/17 {$64.00} XX/XX/2017 {$64.00} I pulled my Credit Report and notice a collection agency called Financial Data System. I have no idea why this company is collecting on a debt from XXXX XXXX who is also not the original clinic I went to for services. I have never been to XXXX XXXX and never signed a HIPPA form with them or and paperwork to validate this debt. I went to XXXX XXXX and signed a HIPPA form with them and did not give them permission to release my personal information or any services I received to this company. I have written all XXXX Credit Bureaus and asked this be removed off my credit report, because it a violation of HIPPA and to provide Validation of something I signed with Financial Data System or XXXX XXXX and the refuse to remove this collection. They always say it has been verified but not validated and never provides proof. I would like this removed of all 3 of my Credit reports.
10/06/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92101	Web
I entered into a {$2500.00} retainer agreement paid in full at the time of initiation with XXXX XXXX for a no-fault divorce case on XX/XX/XXXX. The retainer agreement states that XXXX XXXX must notify me in a timely manner when the remaining retainer reaches {$1000.00}. The XXXX XXXX firm violated the retainer agreement by failing to request replenishment of the trust account balance. They exceed the agreement without notification or my consent. When I realized XXXX XXXX had massively exceeded his retainer I immediately requested that he cease billing. He responded by filing a motion with the court to be relieved from his legal obligations. He has continued billing and recently sent my account to collections in XXXX of XXXX for unauthorized legal fees. As a result, I was forced into a legal separation instead of a divorce. XXXX XXXX lacked the competence to obtain a no-fault divorce for the {$2500.00} retainer we agreed on.
02/25/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	SC 29650	Web	Servicemember
XXXX XXXX XXXX XXXX initially was trying to collect on a medical bill that was paid, and they placed a collection on all 3 credit bureaus. All 3 was deleted and they reInserted the line. Again XXXX and XXXX deleted the bogus item. I am enclosing the documents. As for XXXX they will not, even though they are reporting the account as being DELIQUENT as of XX/XX/XXXX .... but the catch here is my XXXX was on XX/XX/XXXX. As confirmed by XXXX XXXX, this account wasnt delinquent and the bill wasnt generated until XX/XX/XXXX. So for this medical bill ... before my insurance could settle up .... 3 months and 14 days later they are reporting it as a collection account. With the new laws I was under the impression we had up to 6 months to get the situation taken care of because of the insurance companys protocol. Again this is there 2nd time inserting this on my credit file. Please remove this collection asap..!! Thanks in Advance
05/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Web
Financial Data Systems is trying to collect a debt on behalf of XXXX XXXX XXXX from XX/XX/2015. The original creditor did not bill my medical insurance within my insurance company 's timely filing guidelines. It also appears that this was not filed with my insurance at all. I also did not receive any documentation from the creditor regarding this debt. I only have the information presented from my credit report. I have tried to dispute the debt with this collection agency, and each time I am told this is a valid debt. This debt should be removed on the basis of the original creditor not filing this to my insurance company and on the basis of me not receiving any written notification or documentation regarding this debt. Please see the attached documentation showing when the DofD is, history of medical claims filed, and medical claims filed the date in question. Please review
02/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 310XX	Web
I have filed several disputes on what I believe to be inaccurate information on my XXXX credit report. I can't get into the XXXX dispute system because they are constantly having problems with their website. I only have one of the dispute results readily available. There is a derogatory remark on my credit file for XXXX XXXX XXXX XXXX from XXXX XXXX XXXX for a collection of {$70.00}. I called XXXX XXXX for a copy of a bill as I have never received one. They tell me that they can't get a copy because it has been turned over for collection and I need to call XXXX XXXX XXXX XXXX. I call XXXX XXXX XXXX XXXX to see if they can help me figure out what this is for. I get NO HELP from them. I am not going to pay something if I can't get a copy of a bill for it. This was on both on XXXX AND XXXX. I file a dispute with both. XXXX cleared it off of my credit report.
10/24/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 284XX	Web
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have reached out to a furnisher that goes by Financial Data Systems to dispute incorrect information on my credit report. As a result, several accounts were deleted but they refused to delete the last 3 accounts. I've asked for documents to show where and when this happened, any applications with my signature and invoice totals. The invoice totals does not match the delinquency on my XXXX credit report, nor is it reporting on the other two bureaus ( XXXX and XXXX ). As a result, this fraudulent charge is hindering my credit from things such as mortgages or getting qualified for credit cards. I have also explained to this furnisher that it is a violation to share any type of medical information without my consent, unless it is to a different medical facility that requires further treatment.
05/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29579	Web
On XX/XX/2018 we indicated to our rental agency that we would be exiting the rental property that we lived at by XX/XX/2018. We paid our prorated rent in full for that time frame. During this time we were in the process of buying a house so things were very confusing. We asked XXXX to work with us which they chose not to do. After some changes and attempts to stay longer we eventually left on XX/XX/XXXX as originally indicated. After we exited, XXXX attempted to collect the remaining balance of the rent for days that we were not there. They additionally falsified receipts and made up records to say that we didn't clean the house. We have video and email records to indicate the house was clean, the keys were left on the counter and all money that we owed was paid in full. XXXX XXXX in XXXX XXXX South Carolina has a history of scamming renters.
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28273	Web
On XX/XX/2021, FINANCIAL DATA SYSTEMS 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 :
07/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 29720	Web
Financial Data Systems is listing an account on my XXXX credit report stating I owe them money from XX/XX/2010. This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on a debt that does n't exist. Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. Financial Data Systems is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report.
04/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 28451	Web
On XXXX/XXXX/2016 Financial Data Systems " Collection Agency '' stated in writing that they would DELETE XXXX collection accounts that I was disputing if they were paid. I paid the disputed amounts by credit card to resolve the matter and received a letter stating they had requested the accounts be deleted. However, after seeing that XXXX of the XXXX accounts had not been removed from my XXXX Credit Report as agreed. I filed a dispute with XXXX and provided the letter from Financial Data Systems. Today, I was informed that the Financial Data Systems has responded to the dispute but had not deleted the account as agreed! I called Financial Data Systems and the representative stated that if I Paid {$75.00} they would delete the account within 4 Business Days! This is extortion and a violation of both Federal and State Laws!
04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 27545	Web
Financial Data continues to report a collec tion account from XXXX XXXX on my credit report that does not belong to me. The account belongs to my son, who has the same name as me. I recently filed a complaint against Financial Data because they would not remove this account from my credit report. They responded w ith a copy of the contract, stating the account belonged to me. However, in contrast, the very document they supplied displayed my son 's drivers license number and signature ; not mine! I called Financial Data a nd spoke to a guy named XXXX , who claimed to be a supervisor. He did n't seem to care that they were reporting my son 's account on my credit report. He told me the only way they would take the account off my report is if I paid them {$450.00} for an account that does n't even belong to me.
11/24/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29445	Web
Today on XX/XX/2021 I called Financial Data systems LLC to verify a debt that is listed as a collection account on my XXXX Credit Report. I was informed that it was a collection for An apartment I rented with XXXX XXXX Apartments. I informed the representative that Ive never received documentation regarding the Debt from the Original creditor Nor Financial Data Systems XXXX. When asking for Validation of The debt. The representative stated it would be an additional {$XXXX} for me to get an email verifying the debt. I believe this is Fraudulent. I want this to be removed from my credit repost because theyve never sent any Documents regarding this debt but sent it to collections without any information regarding what this is for. There contact number is ( XXXX ) XXXX. Mailing address XXXX XXXX XXXX, XXXX XXXX, NC XXXX
10/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NC 28409	Web
The collection accounts were included in Chapter XXXX Bankruptcy. Financial Data Systems ( FDS ), the collection agency, received notice. The original creditor is to be paid by the bankruptcy trustee as listed on the Schedule F of my bankruptcy documents. FDS refuses to mark the accounts as " included in bankruptcy ''. Rather they keep the accounts marked as " medical '' implying that they are actively collecting on the accounts. I have made multiple inquires to XXXX, the only credit reporting agency that continues to list the accounts. They also will not correct the accounts. I view this as the debts still being collected on by the FDS until they are marked correctly so that future creditors will know I am not in active collections or until the accounts are removed all together.
01/22/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07111	Web
This is a notice for FINANCIAL DATA SYSTEMS to cease and desist ALL communication regarding this allege debt. WHERE IS YOUR PROOF? Who sent you to furnish my consumer report? What is our relationship and where ANY documentary evidence of this alleged debt? You have 30 days to send a deposit statement, a contract or a statement of obligation with my wet signature on it, until then CEASE ALL COMMUNICATION this includes but not limited to phone calls, emails, social media, or ANY CONSUMER CONSUMER REPORTING AGENCY. Please only respond in writing to confirm your acknowledgment of this letter. If you do not cease communication, a lawsuit will be commence against you. Thank you for your cooperation. please find attached a FTC report for identity theft. DELETE THIS ACCOUNT # XXXX
08/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28403	Web
I requested a debt validation in writing (609) letter to the collection Agency Financial Data Systems on XX/XX/XXXX Financial data systems failed to validate the date and they sent me 17 pages of my medical records/files dating back to XXXX. They have violated my civil rights under (HIPPA). I did not give Financial Data Systems permission to have copies of my private medical records nor did I sign a release form or a HIPPA release form to be released to a third party. The medical records that they sent me have private information on them as well as my health insurance information. I do not have a signed contract with Financial Data Systems and they have also sent these private medical records to all three credit bureaus. XXXX, XXXX and XXXX. The debt is $XXXX dollars.
10/11/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28078	Web
I was recently made aware of two accounts ( account numbers : XXXX and XXXX ) allegedly owed a debt that are being reported by Financial Data Systems LLC. I sent Financial Data Systems LLC a certified letter requesting that they verify both debts on XX/XX/2021. The letter was delivered to Financial Data Systems LLC on XX/XX/2021 by USPS certified mail. I have not received any response whatsoever from Financial Data Systems LLC in over 30 days. They have FAILED TO VALIDATE THE DEBTS at my request which is a FDCPA violation and to my knowledge they are continuing to report the disputed debts to the credit bureaus which is a FCRA violation. Ignoring my requests for debt validation and continuing to report the debts to the credit bureaus has caused damage to my character.
11/16/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	SC 293XX	Web
I sent a debt validation to Financial Data Systems, XX/XX/XXXX, requesting debt validation for the medical debts they have listed on my credit reports. On XX/XX/XXXX, I received a letter back with detailed information regarding the medical procedures that were done. I never gave permission for anyone to release medical information to third parties. Therefore, Financial Data Systems having access to these medical records is a very clear HIPAA violation. I then sent another letter on XX/XX/XXXX requesting my signature showing that I gave permission for the release of medical information to Financial Data Systems. However, I never received another response regarding this matter. I have attached the letters received and the follow-up letter I sent that I made a copy of.
11/28/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28443	Web
XX/XX/XXXX {$360.00}, XX/XX/XXXX {$730.00}, XX/XX/XXXX {$420.00}, XXXX {$590.00} I called them to see what it was because I didn't even know who there where. Tired to tell them that it wasn't me and they still trying to say it was me and that if I didn't think it was me that I need to go to the police department and file a identity theft report that would be the only way they could help me. When I'm telling them they address they have on file is not even the address I was living at. And to explain to them that the accounts where closed and they still saying I have to pay and the they trying to say I seen two doctors in one night that's how I have two of the same dates up there. Which I know I didn't go to the emergency room on the dates that they are talking about.
04/12/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33063	Web
I consumer XXXX is filing a complaint against company Financial Data Systems for reporting two alleged debts on my consumer report that I have no idea about. Financial Data Systems did not send me the consumer any communications regarding these alleged debts before reporting such negative remarks on my consumer report. Furthermore, the company Financial Data Systems has not validated this alleged debt pursuant to 15 USC 1692g. These alleged debts has damaged my consumer report where I am not able to get approve for a business loan for my business. My business i say family 's livelihood and Financial Data Systems putting my family at risk. I am demanding that Financial Data Systems delete these negative remarks from my consumer reports emediately.
11/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29115	Web
I reached out to Financial Data Services requesting why they are reporting on my credit report, details of debt, and deletion several times. This company surprisingly showed up on my credit report as a Collections Account yet NEVER mailed or emailed me a bill. This is a direct violation of the NO SURPRISE Act and I am demanding an IMMEDIATE deletion. Not only is this a violation of the NO SURPRISE Act but also a violation of the Privacy Act 15 U.S. Code 1681 602 ( a ) ( 4 ), I did NOT consent to Financial Data Services to report to my account 15 U.S. Code 1681s 604 ( a ) ( 2 ), or access details to any medical records as a violation of HIPPA laws. Account Numbers are as followed : XXXX {$610.00} XXXX {$360.00} XXXX {$370.00} XXXX {$460.00}
09/19/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 293XX	Web
XXXX XXXX has not correctly credited my account for payments made to them. I contacted the collection agency. I uploaded the payment cashed proof to XXXX website and sent XXXX XXXX the proof of cashed payment not credited to my account. they received and cashed payment back in 2017. The only problem from my fault was that a XXXX dollar payment was not cashed back then. I enclosed with proof to them another check and they cashed it. XXXX is the balance and this should not be on my credit report at all. They are robotically calling me through collection agency for a debt not owed to them. It cost me XXXX dollars extra through my bank account to obtain the proof of payment made to them. It is XXXX XXXX that is at fault here not me.
01/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29445	Web
This is my 3rd complaint on this collection agency XXXX XXXX Collection Manager Financial Data Systems XXXX XXXX XXXX XXXX www.fdscredit.com I have advised them on several occasion that this debt is not valid and does not belong to me. I filed a complaint and Identity theft report with the federal trade commission, WHICH i FAXED OVER TO THEM and I demand they remove these accounts immediately from my credit file. please see email response...... XXXX XXXX To 'XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX Please acknowledge you received my fax...HIS RESPONCE On Wednesday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote: I got it. Thank you, XXXX XXXX XXXX Collection Manager Financial Data Systems XXXX XXXX XXXX XXXX www.fdscredit.com
09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77705	Web
I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
12/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28208	Web
My complaint is against Financial Data System. They keep reappearing on my Credit report and I do not owe any hospital bills. I have been XXXX since XX/2017 and also receive XXXX. I have never received validation of any debt and nothing that was signed off from original creditor. I do n't know if this was billed incorrectly, but I have XXXX and all my bills are covered. This company find a way to keep popping up on my credit report after being removed several times which is illegal. Once a collection has been removed off your credit report it is illegal for all credit bureau to allow them to be put back on. XXXX cover all my doctor visits, lab and any other test. I do not owe this bill it needs to be sent to XXXX.
04/28/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28216	Web
On XX/XX/2021, I mailed an initial letter of debt verification to Financial Data Services in reference to the debt for XXXX XXXX in the amount of XXXX. I attached a letter of my police report stating I was not responsible for the debt, that I was a victim of identity theft, and requested verification. Financial Data responded but stated they needed a copy of my ID to verify debt and that they would contact XXXX XXXX in regards to the debt. I received no updates, but resent the letter with attached ID and information on XX/XX/2021. I have still not received an update at this time. I mailed another company on the same day and have verified they did receive their letter, so I know the mailing was successful.
10/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	NC 28546	Web
On XXXX XXXX, 2015 I mailed a certified letter to Financial Data Systems requesting a cease of communication notice. The return receipt was signed on XXXX/XXXX/15 by a XXXX XXXX XXXX. I received multiple calls after the letter was signed for. I also explained to the credit agency that I have not missed a payment, nor was I late EVER with a payment to their client. When I reported that to them, they claim their client is proceeding with collections even though I 'm not in default in any way to our existing payment agreement. And there were fees in the amount of {$370.00} additional added to the balance of {$1500.00} I owe their client. They can not justify the additional charges.
04/13/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC XXXXX	Web
I received two bills from a " Financial Data Systems, XXXX '' with two charges that have no explanation and claim that their client has tried repeatedly to collect from me, but no such communication has happened. I went through some of my voicemails and discovered that I had been getting automated ( computer programmed ) calls notifying me of debt, but no further explanation. the voicemail starts with " by staying on the line for 5 seconds you confirm that you are XXXX XXXX '' then it proceeds to count : " XXXX XXXXXXXX '' etc. I googled the company and their " client '' XXXX XXXX and both have reviews with similar complaints about false debts and illegal collection methods.
07/19/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77016	Web	Servicemember
XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ) always disguise their name to try and confuse people. This time it is Financial Data Systems XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. Financial Data Systems XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of this.
05/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77049	Web	Servicemember
I have no clue of the date of alleged transaction. I have no clue of the services rendered, because I've never physically been to the alleged establishment, to look over, sign, or agree to any services. I have not gotten documentation, explaining the alleged charges. A red flag, to me, just looking at the amount, which is flat ridiculous. How do expect an individual to pay for something that there are not even aware of. I don't know how, anyone can total up those kind of charges at an XXXX clinic. There is no way, I would agree to any type services like that knowingly. To add insult to injury, I don't get contacted at all, to at least give a FAIR chance to address.
06/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28403	Web
On XX/XX/XXXX i was checking my credit report and found that I had a collections account on my XXXX credit report for medical services from a company by the name of XXXX XXXX XXXX XXXX on the dates of XX/XX/XXXX for {$85.00} XXXX and XX/XX/XXXX for {$1000.00}. I have never sought medical treatment at this institution and would never seek such services outside my current care provider. I have never received a bill from this company or any other communications other than this debt being placed on my credit report. I have reported this incident to the local police department, but because i have never received a bill from the company, they could do nothing about it.
07/11/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 354XX	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
08/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 284XX	Web
Financial Data Systems is claiming I owe them {$300.00} and {$40.00} from a debt they purchased from XXXX XXXX XXXX, which is not an account I ever had - nor are they reporting to my credit report. They are reporting false information to my credit report. I do not recognize this debt and they are unable to provide anything bearing my signature showing that I have any contractual obligation to pay them. I've contacted the company twice to fix this error and they are non-compliant. The first attempt, they received my dispute by certified mail on XX/XX/2019. The second attempt was again through certified mail, their receipt of my dispute showing XX/XX/2019.
11/03/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 491XX	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : FINANCIAL DATA SYSTEMS XXXX
05/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 786XX	Web
XXXX FINANCIAL DATA SYSTEM XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency 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 bureau responsible for reportinXXXX 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.
05/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28401	Web
This creditor is reporting a negative debt against my credit report and has refused to debt it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, this company is in violation of two different consumer credit rights.
02/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30144	Web	Servicemember
FINANCIAL DATA SYSTEMS is attempting to collect 2 fraudulent debts that do not belong to me and were opened as a result of identity theft. I have contacted this company and made them aware that this was fraud, however they continue to attempt to collect these fraudulent accounts. The partial fraudulent account numbers listed on my credit file are XXXX and XXXX. I have been a victim of identity theft and have provided a copy of my police report to XXXX XXXX and they continue to report these fraudulent accounts. These are not my accounts and I live in XXXX GA and have never lived in South Carolina. These ACCOUNTS ARE FRAUDULENT.
09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28411	Web
This is not a duplicate complaint. I am making this complaint because XXXX would not let me upload this dispute because it was a duplicate which is not true. The account type that is reported by the furnisher ( Financial Data Systems ) is being reporters incorrectly and inaccurately. The Account Type is supposed to be listed as " medical debt ''. The glossary of entry codes written by XXXX does not list " collection '' as an account type therefore this credit file is inaccurate.. this furnisher has been notified of this numerous times and still continues to maliciously and illegally reporting data incorrectly
10/10/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 294XX	Web
I have requested this company to delete this account for continuously violating the FDCPA by calling both of my phones multiple times per day, harassing me about a debt that they " validated '' by sending me a made-up invoice that they must have thought I would accept. You have bought this debt for pennies and now you choose to harass me and violate my consumer rights. This is not the way you conduct business. Please stop all forms of contact and delete this account from all NCRAs database and erase my information from your database as well. This is my last attempt to remove this item from my credit report.
08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 292XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
02/12/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29483	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
06/27/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28405	Web
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
10/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29488	Web
On XX/XX/2020 Financial Data Systems added a derogatory mark on credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Financial Data Systems has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
09/17/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 160XX	Web
In XXXX of XXXX, I was getting strange phone calls around a collection debt in XXXX NC, I live Pennsylvania. Then I started to get strange medical bills coming to my house, at that point I filed a police report for Identity Theft, I contacted all the medical providers in XXXX, NC, they told me everything was fixed and not to worry. I recently found on my Credit Report that a collection account was placed against me by XXXX XXXX XXXX out of XXXX, NC for {$100.00} ( XXXX ) for a debt that isn't even mine. My credit report is saying a collection account under Finance Data XXXX ( XXXX )
06/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Web
I sent a validation to this company via certified mail and I received a response however it did not validate that this debt was mine and that they were actually allowed to collect on a debt that has not been confirmed as mine. I receive nothing from them that they are required to send to prove that this is accurate and my debts. However I received a bunch of statements with services and procedures. They are also reporting on my credit reports and they are adjusting the amounts that i supposedly owe in order to re-age this inaccurate and unverified debt.
12/31/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC XXXXX	Web
Upon checking and verifying my credit reports, I discovered XXXX XXXX XXXX XXXX reported a new collection on all reports PF {$27.00}. I have never receievd written or verbal communication concerning this debt. When attempting to contact the debt collector using the phone number provided on my report, ( XXXX ) XXXX, it stated the number was invalid. Additionally, I am allowed under HIPAA to protect my privacy and medical records from third parties and I did not authorize XXXX XXXX XXXX to release my information to FINANCIAL DATA SYSTEMS.
09/02/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 38654	Web
Starting in XXXX of 2021 I noticed a collection XXXX you on my credit report. I have disputed this 4 different times and they will not take this off. They took the {$87.00} dollar one off. So why take that one off if you think I really owe whoever this is but want take the {$1900.00} dollar one off. Ive never heard of this company and do not owe whoever this is. My other accounts thats medical are getting paid biweekly because I knew about the bill. I havent gotten any mail for me to acknowledge them. I again do not know this
09/27/2022	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	SC 29420	Web
I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
01/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28208	Web
My complaint is against Financial Data Systems. This is my 4th or 5th complaint. 1st let me explain they have been removed from my credit report before, with the same amount owe, but still seems to pop back up on my credit reports which is illegal. The last complaints I filed through CFPB, the Company stated they had advised the Credit Bureau to remove this from my file. This company does not have the right to collect on a debt medicaid has already paid for. This again is illegal.
10/20/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 284XX	Web	Servicemember
I have made contact with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX concerning this debt. I have repeatedly informed them that they were filing the insurance claim with XXXX incorrectly and they refuse to file it correctly. I have made contact with XXXX and was informed that they have not filed the claim correctly and that is the reason why they have not paid the claim. XXXX XXXX XXXX XXXX refuse to file the claim according to XXXX rules and guidelines.
07/21/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web
This company has place 6 collections on my credit report and I have no knowledge of this company or original creditor. I mailed a certified letter to this company on XX/XX/2021 requesting debt validation with no response. I sent a reminder to respond on XX/XX/2021, and still no response from this company. I am requesting the 6 accounts to be removed from my credit reports immediately. This company has intentionally not responded to my request,
09/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27597	Web
I am filing this complaint because XXXX XXXX XXXX ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
10/06/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 349XX	Web
These medical collection accounts has been reaged XXXX is showing a last activity date of XXXX and XXXX is showing XXXX. How can this be so different? I have send 3 disputes to XXXX and XXXX they have yet to respond or remove the accounts from my credit report. This is inaccurate and inconsistent and must be deleted. I have attached my dispute that I have sent for the last 3 months and they have ignored my letters.
01/20/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	WV 253XX	Web
I disputed the information with the company itself and the collections agency I never even lived at the address they have listed or used the name it 's listed under. I explained this to them and the collection agency removed it and then in turn the original company XXXX XXXX XXXX reinserted it using a different collection agency. It 's not mine I have fraud listed please remove
09/21/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 27410	Web
XXXX DIAGNOSTICS XXXX {$430.00} XXXX XXXX {$150.00} XXXX Lab {$150.00} These invoices were paid and covered by Insurance and still reflecting on my credit. I have called the companies and the physicians stated insurance was paid and should have reflected XXXX and off my report, but it is still showing on my credit report. XXXX will call me back nor correct this information.
10/22/2022	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	NC 27527	Web
There is an 8+ year old collections account open on my credit report regarding a utilities bill from 2014. The collections agency, FINANCIAL DATA SYSTEMS XXXX, keeps updating the dates to keep the account current. This should have fallen off of my report by now, and I've already submitted disputes with the credit reporting agencies regarding this account several times.
04/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 27545	Web
Financial Data System i s reporting that I have a {$450.00} collection with XXXX XXXX on my credit report. This account does not belong to me. I have even spoken with their representatives about this error, and even their reps agree with me. They have promised me that they would remove this error from my credit report for months, but its still there.
03/15/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08638	Web
Hi, i had an automobile accident at my workplace the day i went to the hospital to get checked. I filed an accident report and also a job report and sent it to the hospital via fax. Any bill associated with the accident should have been resolved through the company and my job. I did my part in filling put all the information and sent it through fax.
12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27407	Web
I have been trying for 2 years to have this debt verified or either removed from my credit reports. In the last 5 months alone I have sent XXXX certified letters requesting the debt be verified and for an accounting of why it says I owe the amount they have placed on my reports. To date I have not received so much as a correspondence from anyone.
10/12/2022	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	FL 33068	Web
I requted XXXX to remove inaccurate reporting. Sent them copies of the request dated back XXXX with no futher updates from XXXX XXXX I loked at my credit report XXXX inaccurate accounts are still showing. XXXX XXXX sent improper validation Financial data ( 2 ) no response to my 30 day demand request XXXX no response to my 30 day demand request
07/11/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 284XX	Web
I 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 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
12/29/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 315XX	Web
FINANCIAL DATA SYSTEMS is in violation of federal law for furnished fraudulent data. I have never enter into a contract with FINANCIAL DATA SYSTEMS, yet they are reporting an account on my consumer report. XXXX XXXX XXXX is also in violation of federal law including HIPAA for sharing my personal and medical information with a third party.
12/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web
XXXX XXXX/XXXX/XXXX from XXXX XXXX. The creditors is reporting on my credit report as derogatory when it is not my debt and my daughter has XXXX. This is also a VIOLATION OF HIPPA LAW. My daughter indignation should not be disclosed to a XXXX party and this company is trying to collect when it had been paid my XXXX.
09/01/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28451	Web
I was seen a couple of times in XXXX and needed testing. They had gathered my XXXX information which was also already in their system but failed to bill my insurance and instead sold 4 separate bills to the same collection agency Financial Data Systems. Debts : 1. {$1000.00} 2. {$750.00} 3. {$750.00} 4. {$420.00}
05/31/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29115	Web
FINANCIAL DATA SYSTEMS LLC They failed to send me a signed contract to do business with their agency. They are not authorized to report to my credit report as I have not signed a contract to do business with them. Theyve failed to send me information on this debt. I disputed them twice and still no validation.
08/22/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33323	Web
This collection office is attempting to collect TWO accounts in my name that do not I never authorized to be open. I have attached an ID theft report with the details. Please see the attached documents. I will expect this information to be removed from my reports within 4 business days from Monday, XX/XX/2021.
03/21/2023	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28401	Web	Servicemember
I have never in my life had a contract with financial Data systems and they are reporting medial debt on 3 accounts in my credit and it is threatening the integrity of myself and affecting me getting approved for a home to put my family in! This is horrible please help me with this fraudulent matter
01/08/2023	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 296XX	Web
On XX/XX/XXXX I mailed a certified letter asking for debt validation and to cease and desist any communication other than postal mail. They received the letter on XX/XX/XXXX per the postal service. They called and left a voicemail on XX/XX/XXXX at XXXX. They have violated the cease and desist.
05/17/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
XXXX XXXX XXXX XXXX , 1. ) Filed a false claims on my credit report. and 2. ) XXXX XXXX XXXX XXXX , did n't respond to by letter dated XXXX / XXXX / 17 received by XXXX XXXX XXXX XXXX on XXXX / XXXX / 17 disputing these bogus claims dated XXXX / XXXX / 17 .
01/02/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28409	Web
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. They are XXXX, badgering my credit with no explanation on an erroneous, alleged collections.
02/18/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33169	Web
Financial data systems never sent me prior notice of this alleged debt as required by federal law to give me the right to dispute, additionally they have violated my privacy rights, along with hippa law. Please see NOTICE OF DISPUTE letter attached for more details.
09/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31061	Web
XXXX has medical information that has been sent to a third party vender FINANCIAL DATA SYSTEM thats has been listed on my credit report since XXXX When I try to dispute it XXXX will drop my credit report almost 60 points instead of trying to fix the problem!
09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28411	Web
XXXX is referencing another persons name on my credit report. XXXX is reporting a family member XXXX XXXX on my credit report as seen in the attachment. This has never been validated and its illegal for them to list another person on my credit report!
03/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29406	Web
An account opened with XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX for the amount of {$260.00} has no reason to be listed on my report. This is not a debt owed by me and I wish for it to be removed from my credit report for it is damaging score.
09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 28411	Web
Financial data systems is reporting a collection of {$85.00} on my credit report which is a medical debt collection they are reporting - arent medical collections under {$500.00} supposed to be removed from Credit files? Please advise.
03/22/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 333XX	Web
Receive information on my credit report pertaining to medical collections owed of {$220.00}. I'm not aware of going to an urgent nor did I got to a doctors office. Original creditor XXXX XXXX XXXX Collections - FINANCIAL DATA SYSTEM
01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33414	Web
This Collection company is reporting fraud/identity theft to my Credit Reports : Name FINANCIAL DATA SYSTEMS Address XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX number ( XXXX ) XXXX Please Close and Remove Account Off Credit Reports
12/01/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NJ 08857	Web
The company name is Financial Data System the debit is a {$36.00} When i ask more infe from where is this debit come from the XXXX a very agresive langiage very rude and threat each time they call I do have all contacts recordet
07/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NC 28209	Web	Older American
Received statement of charge in the amount of {$69.00}. This is not a debt I incurred. I called them 4 different times and they ha. Be ignored my request to take take my name off this debt. Could you help me resolve this matter?
08/31/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28546	Web
there are multiple accounts that are supposed to be closed i contacted them all and explained thoes items that i disputed are not mine and needs to be removed and the accounts are supposed to be closed but are still open also
10/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33150	Web
I sent out a Validation Letter to the agency I have proof of receipts that the letter did get delivered to them. I stated on the letter they had 15 days to validate the debt and didn't receive no response at all.
01/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NC 27407	Web
I finally received a ledger of the amount that I " owe ''. The balance on the ledger states {$2700.00}. I have added this up several times and do not come close to that balance.
02/01/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33319	Web
Collection account says Financial Data Systems amount owed {$77.00} opened XXXX. Account does not belong to me, I was a victim of identity theft.
09/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29209	Web
I sent police reports I disputed it with the credit bureaus I also sent a letter of validation to the collection agency and the credit bureaus
10/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 290XX	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 290XX	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/25/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28120	Web
A collections account # XXXX in the amount of {$170.00} from the original creditor XXXX XXXX appeared in my credit report in error.
04/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
09/28/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95307	Web
There is a collections amount of {$170.00} from XXXX XXXX that does not belong to me. The account number as shown is XXXX.
02/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
I have disputed this account with nothing being received. This is unknown and feel I do not owe
10/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 293XX	Web
I paid the total amount of my debt via phone, with my debit card between 3 and 4 months ago.
02/21/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33618	Web
Unknown medical charge, I have disputed with no validation being received. Please help
07/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28269	Web
Reporting inaccurate information on my reports with the Credit Bureaus
08/23/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29303	Web
That debt was paid off and they selling it again XXXX
02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28715	Web
I am an identity theft victim.
01/27/2024	No	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	SC 291XX	Web	Servicemember

01/11/2024	No	Debt collection Telecommunications debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	SC 29445	Web

12/28/2023	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 310XX	Web

12/24/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33714	Web

12/21/2023	No	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	GA 31601	Web

12/13/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28451	Web

09/16/2023	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28445	Web

09/04/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29485	Web

08/03/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28428	Web	Servicemember

07/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29445	Web

06/09/2023	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	NC 28401	Web	Older American

05/22/2023	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33067	Web	Older American

03/19/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07052	Web

03/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33060	Web

03/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33064	Web

03/01/2023	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 33065	Web

02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28421	Postal mail

12/21/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35806	Web

11/16/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44107	Web

11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28403	Web

11/02/2022	No	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	NC 28443	Web	Servicemember

10/25/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45631	Web

10/23/2022	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 Investigation took more than 30 days	NC 28451	Web

10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33414	Web

09/13/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07102	Web

08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28429	Web

07/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20784	Phone

07/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29325	Web

06/29/2022	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NC 28403	Web

05/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21703	Web

05/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21703	Web

05/09/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08865	Phone

05/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28208	Web

04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34986	Web

03/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29108	Web

03/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78660	Web

02/16/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77707	Web

02/01/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27834	Web

01/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29579	Web

12/24/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 28443	Web

12/21/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28213	Web

12/15/2021	No	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 28540	Web

12/14/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28110	Phone

12/10/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38671	Web

11/17/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29483	Web

11/16/2021	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28262	Web

11/11/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28206	Web

11/11/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29485	Web

11/10/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28277	Web

11/03/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 284XX	Web

11/02/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08629	Web

10/27/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28412	Web

10/15/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28208	Web

10/14/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29115	Web

10/14/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38619	Web

10/12/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38654	Web

10/12/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38619	Web

10/11/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38632	Web

10/06/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28412	Web

10/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78702	Web

10/01/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28451	Web

09/30/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28429	Web

09/30/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07108	Web

09/29/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29483	Web

09/28/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28448	Web

09/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28205	Web

09/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28205	Web

09/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web

09/03/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28227	Web	Servicemember

08/31/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28451	Web

08/27/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	SC 29108	Web

08/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28458	Web

08/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29483	Web

08/17/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72634	Web

08/16/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	SC 29446	Web

08/11/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29456	Web

08/09/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29407	Web

08/09/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29115	Web

08/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30281	Web

07/30/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29418	Web

07/30/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29018	Web

07/27/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31061	Web

07/26/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29464	Web

07/26/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29483	Web

07/26/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29142	Web

07/21/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29483	Web

07/19/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29406	Web

07/19/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29456	Web

07/13/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29732	Web

07/12/2021	No	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt		Phone	Older American

07/08/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29485	Web

07/02/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 28216	Web

07/02/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29048	Web

07/01/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29436	Web

06/30/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30461	Web

06/14/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77708	Web

06/06/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30281	Web

06/04/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28445	Web

06/04/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28401	Web

06/04/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28403	Web

06/04/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23508	Web

06/04/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28401	Web

06/04/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28401	Web

06/04/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28405	Web

06/03/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28405	Web

06/03/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28470	Web

05/26/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30318	Web

05/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23508	Web

05/15/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29118	Web

05/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78652	Web

05/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32217	Web

05/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28412	Web

04/28/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28208	Web

04/09/2021	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 Investigation took more than 30 days	SC 29410	Web

02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28270	Web

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28405	Web

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28405	Web

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28405	Web

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28403	Web

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27610	Web

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28412	Web

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28405	Web

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28411	Web

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28401	Web

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28412	Web

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28412	Web

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28445	Web

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28425	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	NC 28401	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	NC 28403	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	NC 28451	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	NC 28403	Web

12/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28451	Web

11/20/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07039	Postal mail

11/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28027	Web

11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28269	Postal mail

11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29418	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	TX 77517	Web

10/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28425	Web

09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77517	Web

08/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28803	Web

06/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28213	Web

06/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76020	Web	Servicemember

05/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28431	Postal mail

05/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29483	Web

05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29568	Postal mail

05/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29483	Postal mail

04/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29302	Web

04/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 27511	Postal mail

03/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29527	Postal mail

01/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28262	Postal mail

01/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28215	Postal mail

12/11/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28205	Fax

09/02/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29406	Web

07/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29301	Postal mail

07/21/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78748	Web

07/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28134	Web

07/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29486	Web

06/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29486	Web

05/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28412	Web

05/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ME 04102	Web

05/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28134	Web

05/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ME 04102	Web

05/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28124	Web

03/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29485	Web

02/06/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28409	Referral

01/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28478	Postal mail

12/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27502	Web

12/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33139	Web

12/07/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 78644	Web

10/29/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78611	Web

08/31/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31061	Web

07/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29485	Web

07/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29485	Web

07/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Referral

07/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28412	Web

06/23/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	SC 29707	Web

06/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28273	Web	Servicemember

06/11/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NC 28451	Web

05/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28806	Web

05/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28401	Web

05/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28213	Postal mail

04/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28213	Postal mail

04/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	SC 29437	Web	Servicemember

04/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28213	Web

03/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29568	Postal mail

03/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28208	Web

02/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28412	Web

01/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28451	Web	Servicemember

01/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29483	Web

01/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29556	Web

01/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29445	Phone

12/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29410	Web

12/23/2017	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	SC 29445	Web

12/22/2017	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	SC 29445	Web

10/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28212	Postal mail

09/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29835	Fax

09/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78711	Web

08/22/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 28269	Web

07/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28213	Web

07/02/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NC 28204	Web

07/02/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NC 28204	Web

04/24/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78754	Web

03/24/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NC 28262	Web	Servicemember

12/08/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	VA 22192	Web

11/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78722	Web

11/06/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NC 27302	Web

09/28/2016	Yes	Credit reporting	Credit reporting company's investigation Problem with statement of dispute	TX 78704	Web

09/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 20906	Web

08/27/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NV 89506	Web

08/25/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NC 28429	Web

08/06/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 29376	Web

07/30/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 24112	Web

06/25/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	VA 24112	Web

06/17/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NJ 08753	Web

06/17/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NJ 08753	Web

03/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	SC 29575	Web

03/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 29575	Web

03/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	SD 29575	Web

03/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78744	Web	Older American

01/06/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NC 28411	Web

11/12/2015	Yes	Debt collection Medical	Communication tactics Called outside of 8am-9pm	NC 28428	Web

01/27/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28403	Web	Older American

01/13/2015	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	NC 28273	Web

10/29/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NC 28412	Web

10/24/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NC 28412	Web

10/21/2014	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	NC 28405	Web