First Financial Resources, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 122XX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : FIRST FINANCIAL RESOUR ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX XXXX XXXX
01/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hi FIRST FINANCIAL RESOURCE ; XXXX XXXX XXXX XXXX ; Im confused stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reported and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
02/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NH XXXXX	Web
I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied XXXX in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
10/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
There are 4-5 medical collections that does not belong to me and it's a fraud and it's attached to a name called XXXX XXXX ... That's not my name!!!! I was shocked when I reviewed my credit report this week and I found multiple medical collections on my credit report from the 3 major credit bureaus from your company ( First Financial Resources , Inc . ) that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
01/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02780	Web
HI TOWN OF XXXX XXXX # XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
09/08/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33411	Web
today i spoke with a agent named " XXXX '' but i do not believe that is his name since he refused to give me a last name. i asked him about two accounts that FIRST FINANCIAL RESOURCE furnished on my report. he stated they were mine, i conditionally accepted to pay the debt if he can show me a wet ink signed contract between me and FIRST FINANCIAL RESOURCE. of course he could not provide with me such contracts since i don't owe Them any debt nor ever heard of them prior to me monitoring my Report, so i demanded the removal of the debts off of my report since it has been making it difficult for me, as a consumer to receive any lines of credit in the past. i previously disputed the accounts multiple times with XXXX ( Report XXXX XXXX ) and it kept coming back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. i also have a suspicion that FIRST FINANCIAL RESOURCE obtained addresses from my report without my permission and updated it on their file to match my report. He also informed me of their attempt to " contact '' me at my father 's address in which i have not resided in since XXXX and he also told me they tried to " contact '' me at a phone number i had in XXXX which i do not know how they obtained it since that was new number i got in missouri while i was in college. I also had an issue with XXXX XXXX XXXX furnishing a collection account which were deleted off my XXXX ( Report Number : XXXX ) And XXXX XXXX Confirmation number : XXXX ) Reports which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy since i never Gave any PERMISSION to furnish such accounts. There was also another company that furnished a collection account on my report without my permission and i have never heard of them before. XXXX XXXX XXXX reported a collection on my XXXX ( Report Number XXXX ) Report which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy as well.
12/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hello First Financial Resources , Inc . , Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least XXXX to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
09/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02780	Web
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
03/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 027XX	Web
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
01/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
11/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 027XX	Web
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
11/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
12/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 027XX	Web
Hello, Im shocked, surprised, XXXX out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
05/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least XXXX to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
03/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hello, Im shocked, surprised, stressed out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
12/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02760	Web
XX/XX/XXXX I, XXXX XXXX was diagnosed and transported for admitted urgent treatment from XXXX XXXX XXXX XXXX Massachusetts to XXXX XXXX XXXX located up the road by XXXX XXXX. I was never notified prior of a denial or gave authorization to be personally billed XXXX XXXX . XXXX XXXX directed the bill to XXXX XXXX XXXX without notifying me of my XXXX upon request, or a verification of denial form. From there it was sent to First Financial collections, a credit bureau. I have filed disputes, called for expedited appeals and mailed to the grievance department at XXXX and spoken with all 4 companies to try to get this discrepancy resolved and removed from my credit report. Me being an inpatient at the time should not be responsible for this bill. Claim # XXXX XXXX XXXX CREDITOR ACCOUNT:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX billing dpt # XXXX XXXX XXXX XXXX XXXX Appeals and Grievances dpt XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Massachusetts XXXX XXXX Billing agent XXXX XXXX XXXX ext XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Appeals unit XXXX XXXX XXXX XXXX, Massachusetts XXXX First Financial Resources XXXX XXXX XXXX suite XXXX XXXX, Massachusetts # XXXX XXXX XXXX or XXXX XXXX XXXX I call these supervisors and billing agents to complain that i was never informed and to remove the bill because I have outstanding impact on my negative credit score. They are no help in immediation of assistance and ping me back and fourth to the other companies. This has been ongoing since XX/XX/XXXX. There has to be someone that can negotiate wan waive this bill from collections.
01/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web
Dear FST FINANCIAL RESOURCES ; ( Original Creditor XXXX XXXX ) ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
05/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02122	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
12/21/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MA 02301	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
10/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MA 02301	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
02/01/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MA 01803	Web
There is an account listed twice with First Financial Resources collection agency in XXXX, MA. Its a duplicate account that appeared twice. There should only be one account. Obviously this hurt my credit. I contacted the credit bureaus, who said First Financial resources was reported the account twice. For years only 1 account was reported. Magically in XXXX of XXXX the same exact account with a balance, date of service, and original delinquency date appeared. This new account had a new account number. I contacted them twice on XX/XX/XXXX. I emailed them all the documentation showing this account was a duplicate. I asked for a supervisor. But was not given one. I was told I would get a call back. But never did. They said they didnt have an answer. This is unacceptable. For a debt collection agency to clearly report an account twice and not have an answer as to why or where it came from is almost criminal. It has a direct effect on someones ability to gain employment, get credit extended etc. This company does not keep good records, communicate well, or follow up on extremely important matters. Management and the people who work there are inept.
10/29/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MA 02138	Web
I have seen on my credit report that I have two collection actions from First Financial Resources, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( Ph : ( XXXX ) XXXX ). Both collections were purportedly opened on XXXX. I never received any notification from this creditor that I had a debt in collection, and I certainly never received notice that I could dispute the debt. These are both required under the FDCPA. I was also never given a chance to request documents on which they are relying on to prove I owe the debt, required under the Massachusetts Debt Collection Practices Act ( XXXX C.M.R. XXXX ). I acknowledge that the underlying debt ( from an ambulance service ) is properly associated with me. However, I understood this to be a matter for my medical insurance, and did not realize that payment would be sought from me. I dispute that I owe this debt at all. Furthermore, my credit report indicates that, except for XXXX months during the period XXXX - XXXX, the debt was in collection. However, the detailed information states that there has been " no data '' sent to the credit agencies for any month during this period.
12/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 019XX	Web
XXXX XXXX XXXX XXXX debt to collections when it was paid in full by my insurance company for a short XXXX XXXX on XX/XX/XXXX for an amount of {$1700.00}. I have proof from my insurance company that they paid it in full and it shows simply in a breakdown that it was completely covered. XXXX XXXX XXXX XXXX false delinquent debt to First Financial Resources , Inc based out of XXXX, MA on XX/XX/XXXX. They contacted me several times and I finally got them to send me an email to send them proof that this debt was paid in full by my insurance back in XXXX of XXXX. They claimed that the insurance payment was invalid as " XXXX XXXX XXXX not have any contract with my insurance company at the time. '' They then reported my debt as " collections charged off '' on my credit even though they had no legal standing to do so. A collections charged off is a major negative remark and I want it removed and my credit restored properly. This charge off occurred on XX/XX/XXXX, 3 months after I provided them with proof of payment in full and on time from my insurance provider.
04/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 959XX	Web
A year ago, I found an incomprehensible entry on my credit report that did not belong to me - FST FINANCIA ( Original Creditor : XXXX XXXX ), Account # XXXX. At first, I just called the bureau, explained the situation, said that this record does not belong. Every time they promised me that this entry would be deleted, but nothing happened. And when I called again, they told me that there was nothing on my case. It's just absurd. Then I began to write letters to the bureau in order to investigate this entry, and provide me with the facts that this entry belongs to me or delete it. The bureau never responded to any of my inquiries. Then I found the address of this strange creditor, wrote them letters asking them to confirm my debt and, in general, at least explain where I got this debt from. As a result, a year of struggle with the bureaucratic system, where no one cares about you and your problems. The record is still present in my report, but I still dont know where this debt comes from and for what. I ask you to remove this entry from my credit report.
08/15/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MA 014XX	Web
I had fallen behind on my auto loan. XXXX XXXX XXXX hired a privet investigator to get the vehicle back. He called me i cooperated with him he told me that he wanted to come and take the truck so they could sell it. I asked well what happens if they do not sell it for the amount i owe do i have to pay that he told me no i would not have to pay that amount. I told him that i wanted to talk to my father and i also wanted my father to talk to him as well. My father was willing to help me get caught up. The Investigator that was hired by XXXX XXXX XXXX told me and my father that we would be better off just letting him come and get the vehicle and that i would not have to pay any amount that was not recovered at the sale. Well now they are after me for {$12000.00} that they did not get in the sale. They steered me away from trying to cure my default and they lied. They have sent this matter out to a collection agency and now they are after me. They have also not verified my request for debt validation completely.
03/22/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	FL XXXXX	Web
I have submit a compliant last year regarding to a private student loan from the creditor XXXX XXXX XXXX XXXX. ). At that time the collection company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am beginning harassed about a debt that I do not owe. First Financial Resources , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX have notified me via US mail and I replied in writing on XXXX/XXXX/XXXX. I requested copies of all text books, labs, uniforms etc. but were not provided the information. This company mailed a copy of a contact on XXXX XXXX, XXXX. I have no knowledge of the contract. I am not responsible for the amount the creditor states that I owe. The creditor to this day have not provided me with proof of this debt as I requested ( ex. all books, labs, etc ). Why should I pay for something that I do n't know what I was charge for in details. Also, the company has threatening to place me in collection due to this matter.
12/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Good Evening ; I just finally got off the phone with representative XXXX XXXX at First Financial Resources Inc in regards to a recent entry on my credit report account # XXXX on a debt that i don't owe to them. After 10-15 conversations with XXXX, she mentioned that the social security numbers on file are completely wrong and she said that she will escalate this issue to her supervisor. The only reason I found out about this issue is because i recently went to finance a newer vehicle and the finance manager told me that I have a {$9600.00} medical collection on my file and I became perplexed and stressed for the last couple of weeks. I'm not 100 % sure, but this is a total violations of both state and federals laws especially under the provisions of FCRA and FDCPA. Because of this is the only negative item on my credit report, it dropped my credit score way below the mark and caused my recent finance interest rate to sky rock.
03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75071	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... FST FINANCIA ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
12/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02301	Web
Good Evening ; I have disputed this item with the credit reporting agency and with the collection company as shown on my credit report. I spoke with several representatives, and recently with XXXX at First Financial Resources and she mentioned that either my health insurance ( XXXX ) or/and XXXX XXXX ( auto insurance ) should've taken care the debt but they haven't yet. But instead of going back and forth with them, I went ahead and paid off this debt and she agreed that it would be removed permantely from my credit file. Also there are several inaccuracies with the way it's reporting and that's a total violation of FCRA and FDCPA guidelines. But In a good faith effort to resolve the matter amicably, I must demand the company to honor their part of the deal and remove this from my credit as agreed. PLEASE SEE THE ATTACHMENT!
05/15/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA XXXXX	Web
I was in an auto accident on XXXX/XXXX/XXXX - taken by ambulance to XXXX ER. I was not at fault. XXXX XXXX pending. XXXX XXXX service took me to the hospital at the time of the accident. At the hospital, insurance information was provided to hospital as well as the ambulance service. I have an Attorney handling my claim. Attorney XXXX XXXX - XXXX His office provided the auto insurance information and also stated that the case is still active and pending demand. National Ambulance service XXXX - prematurely sold my account to XXXX XXXX XXXX - XXXX without submitting to health insurance or auto claim. XXXX XXXX XXXX put this auto claim invoice into collection, ruining my credit score. I am in the process of buying a home and this issue is ruining my chances of purchasing my first home.
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	VT 05401	Web
First Financial Resource put a collection of {$630.00}. They say it was opened on XXXX XXXX XXXX. They state that the original creditor was XXXX XXXX XXXX i have never contracted them for any service. I have never received a bill or invoice not even a call. I was surprised by this collection on my credit. I called first Financial resource and to my surprised they did not have any information like my address or social security number or even telephone number. The only information they had was my birthday and name and that meant the collection belonged to me. i asked them why they were collecting money from me they insisted that i have pay regardless whether i know or dont know about it or else the collection will continue to reflect on my credit score
07/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 020XX	Web
I had a storage unit at XXXX canceled it then moved my belongings out and my mother moved all of her stuff in. I discussed this with the receptionist and was told that my mother was not able to take over the unit it was going to stay in my name i was very frustrated but there was nothing I could do and the receptionist would not do anything to assist me. My mother made all the payments for her unit until she became ill and was unable to pay for her belongs and she contacted the storage unit several times to discuss this. They sold off all her belongings when she was in the hospital and sent me a bill. My mother is on XXXX now and can not afford to pay this bill. This debt is not mine and does n't belong to me.
12/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 02116	Web
This debt ( though it was not mine due to fraud filed with the FTC and XXXX Police Department, ) I nonetheless paid it in full because it was the lone negative factor on my credit report. I have spoken with the medical vendor and the collection agency. Further I have email confirmation from.the reporting collection agency that it would be deleted with payment which I paid and is detailed in the email exchange. Two of th three credit bureaus have deleted it, yet one has not. In addition, this collection agency, XXXX XXXX, Director First Financial Resources , Inc . XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX is now engaging in illegal collection methods. I would like to upload accompanying evidence.
11/11/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MA 01824	Web
Had three separate accounts, each for {$150.00} medical. Was sent to collections and became 2- {$150.00} accounts and 1- {$300.00} account. Original creditor paid in full by me on XX/XX/19 for {$450.00} and made aware of mistake of collections company. Collections company contacted by me the same day and made aware of pay off of accounts. 2- {$150.00} accounts have been removed but the wrongly billed {$300.00} still remains on collections record even after several additional calls to creditor and collections company affecting ability to secure a needed car loan.
03/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30294	Web
I have disputed this account with the creditor as well as the credit bureaus mutliple times. Both of which have failed to respond or send any proof that this debt is actually valid and legal. I believe this account also violates my personal HIPPA rights as it clearly shows its from a XXXX office and if you look at the account the reported dates are inaccurate across all 3 bureas which i believe is another violation of my rights. I have sent letters in XXXX and again in XXXX regarding this specific account and no one can seem to get back to me or fix this issue.
09/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 01801	Web	Servicemember
I am a XXXX XXXX XXXX veteran, I have the va healthcare and XXXX. First Financial Resources is trying to collect {$2900.00} From me for XXXX XXXX. My insurance either through the VA or XXXX should have covered this expense. It was for an ambulance ride. I contacted both the ambulance co and the collection company neither could produce any billing paperwork other than what day I was transported. This should have been covered and they have zero paperwork, I want this OFF MY CREDIT REPORT!!!
04/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 027XX	Web
First Financial resources is attempting to collect a debt not owed and is in violation of consumer debt collection market defined by 12 CFR 1090.105. I requested that the company validate the debt, which I do not owe. Instead they failed to validate the debt and continued with the debt collection. Instead of validating the debt, they sent, what appears to be a fake document, which in any instance does not validate any debt.
09/12/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 07666	Web
On XX/XX/2018 I received a bill from First Finicial Resources INC in the amount of {$2000.00} for account # XXXX. On XX/XX/2018 I sent out a certified letter ( that the company signed and returned ) asking them to validate the debt. I also asked how they would attempt to report a debt that has already been reported. Its been over 30 days and I have yet to receive any response.
12/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75232	Web
I have student loans and tuition fees being charged to my credit from XXXX XXXX XXXX college and I have never attended the establishment. There is a man on my credit report by the name of XXXX XXXX and I do not know who he is and he is using my social security number. First financial and XXXX XXXX many. Please remove these as they are not mine.
05/19/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 950XX	Web	Servicemember
2 accounts in collection are not mine. First financial for XXXX XXXX College. I never attended or enrolled in classes there. XXXX XXXX XXXX for XXXX Hospital. I always used my health insurance for hospital. This is not mine. There are multiple people with my name. Use my middle initial and date of birth to see its not mine.
06/15/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 02302	Web
Company name is First Financial Resource, amount for {$1600.00} and {$2600.00}. I have sent collection agency a debt validation several time with no response and collection agency reported this to my credit reporting agency. This two item is not mine.
04/25/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NH 038XX	Web
Re : XXXX XXXX XXXX XXXX {$730.00} is charging me this amount that I am not aware of. This item is being reported on my credit report as a collection item by FST FINANCIAL RESOURCES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NH 032XX	Web
i am not a credit user. only had one card in my entire life and its no longer active. there are many collections appearing on my credit report from places i have never heard of. someone ha taken my identity to falsify these accounts
07/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
06/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02780	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
03/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02145	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
05/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02302	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
09/21/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MA 02302	Web
I have tried to dispute this off my credit report with the collections agency because i never consented in my medical information being released to them by XXXX XXXX and its negatively affecting my credit.
02/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02302	Web
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
04/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95630	Web
I have had this debt on my account for 5 years,11 months. Over the years I have requested a record of the bill but never received anything proving I owe XXXX XXXX money. I dispute this debt.
04/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	RI 02907	Web
On XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing 2 collections reported by the same company. I have yet to see any documentation regarding these account nor their investigation.
08/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
08/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
07/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02302	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
08/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02021	Web
I am noticing this debt on my credit report in which I have no knowledge of. I never received any notices but to my surprise it is showing on my report.
11/02/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 335XX	Web
There is a collection that just showed up on my credit file which I do not owe any medical debt, this is inaccurate
08/31/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
The debt is not mine and need it deleted.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32526	Phone	Servicemember

04/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02149	Web

03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02151	Web

02/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 12090	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	WV 25414	Web

12/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30058	Web

08/24/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 01201	Web

04/22/2022	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 Investigation took more than 30 days	MA 02093	Web

04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02093	Web

03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44128	Phone	Older American

03/03/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 60045	Web

01/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

12/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46239	Web

11/27/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CT 06066	Web

11/15/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 21239	Web

10/16/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 19114	Web	Older American

06/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 01610	Web

05/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

05/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 12572	Web

04/26/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MA 02139	Web	Servicemember

04/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 37950	Web

04/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33433	Web

04/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02301	Web

01/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02339	Web

01/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02301	Web

01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02368	Web

11/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32792	Web

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90744	Web

05/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02269	Web	Servicemember

01/02/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MA 02748	Web	Servicemember

11/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 01002	Web

08/31/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web

07/03/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 01504	Web

06/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94116	Web

03/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08540	Referral

02/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 45157	Web

02/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PR 00912	Web

02/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 01960	Web

04/13/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	PA 179XX	Web

01/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	MA 02476	Web	Servicemember

05/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MA 02210	Web

02/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 02139	Web

10/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 01545	Phone

05/01/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 11553	Web

03/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22307	Web

11/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MA 02145	Web	Servicemember

10/22/2014	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	DC 20037	Web

07/10/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10706	Web

07/10/2013	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10706	Web