FirstPoint Collection Resources CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
01/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90012
Web
I reached out to XXXX XXXX XXXX XXXX FIRSTPOINT COLLECTION/ XXXX XXXX times Ive sent out multiple FTC reports XXXX reports California consumer protection and innovation complaints as well as a California state, Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXXFIRSTPOINT COLL RESOLUTION/except his otherwise provided in the section, a consumer reporting agency shower block, the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency a a copy of the identity theft report a statement by the consumer, that the information is not information relating to any transaction by the consumer these are the fraudulent accounts that are fraudulently, reporting, fraudulent names, fraudulent ( XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX, XXXX AMOUNT {$46000.00} XXXX ( XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( FIRSTPOINT COLL RESO XXXX OPENED XX/XX/XXXX AMOUNT {$320.00} ) ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXXXXX XXXX XXXX XXXX XXXXFIRSTPOINT COLL RESOLUTION/ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX AMOUNT {$46000.00} ) ( XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( FIRSTPOINT COLL RESO XXXX OPENED XX/XX/XXXX AMOUNT {$320.00} ) ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EXXXX XXXX XXXX XXXX XXXXFIRSTPOINT COLL RESOLUTION/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXX XXXXFIRSTPOINT COLLECTION SOLUTIONS XXXX XXXX also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by EXPERIAN/TRANSUNION/EQUIFAX/FIRSTPOINT COLLECTION SOLUTIONS XXXX XXXX to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} {$45000.00} {$97000.00} {$320.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
10/12/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27603
Web
I sent two debt validation letters, requesting for validation not verification of this debt but this collection company XXXX XXXX XXXX never validated this debt they say I owe, also they never produced a license to collect in my state. In the first debt validation letter I stated : 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 : In the second debt validation letter I sent to them, I stated : To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
11/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 275XX
Web
XXXXXXXX XXXX XXXX XXXXXXXXXXXX posted a negative inquiry on my credit report that i did not recognize and was not authorized by me because I was in XXXX in XXXX and is in violations of 15 U.S.C . Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). I Filed my disputes on XXXX XXXX XXXX XXXX XXXX posted a negative inquiry on my credit report that i did not recognized and was not authorized by me because I was XXXX in XXXX and is in violation of 15 U.S.C. Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). I Filed my disputes on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX posted a negative inquiries on my report that I did not recognized and was not authorized by me because i was XXXX in XXXX XXXX and was done in violation of 15 U.S.C . Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). I filed my dispute on XXXX XXXX XXXX XXXX posted a negative inquiry on my credit report that i did not recongnize and was not authorized by me because i was XXXX in XXXX and is violation of 15 U.S.C. Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). I Filed my dispute on XXXX XXXX XXXX XXXX XXXX posted a negative collection account on my credit report that I did not recognize and was not authoried by me because i was XXXX in XXXX which violates 15 U.S.C. Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). XXXX XXXX XXXX Posted a negative collection account for {$1300.00} on my credit report through XXXX XXXX XXXX in which was closed then charged-off/ and sent to its internal collections department which is activily reporting through XXXX which shows that 100 % of the payments were paid on time. Once a account is closed and debt/ balance is charged-off there can be no collection on that account for the debt has been discharged by the original creditor. * XXXX XXXX XXXX XXXXXXXX an collection agency for original creditor XXXX XXXX XXXX posted a negative collection account for {$2800.00} on my credit report through XXXX and XXXX in which the original date of the opening of the account was XX/XX/XXXX. This account was charged-off and closed which means the debt/ account was discharged by the original creditor and thus no debt should be sent to any collection agency. I do not recognize this account and was not authorized by me and is in violation of 15 U.S.C. Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). * XXXX XXXX XXXX XXXX XXXX XXXXXXXX reported to XXXX, XXXX and XXXX an closed overdue automotive loan account in my name for {$13000.00} in which 44 % of the principle balance was paid leaving the remaining balance of {$7300.00} due. On XX/XX/XXXXXXXX XXXX XXXX the vehicle was repossessed and foreclosed/ the remaining balance was on the account was closed and charged-off and the unpaid balance was reported as a profit and loss write-off by the Creditor. By doing so the creditor canceled/ discharged the remaining debt between the creditor and debtor, and releasing the debtor of any further obligation to any debt. SO i do not recognize these accounts because they are fraudulent and incorrect because no debt is owed. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX reported to XXXX XXXX XXXX and XXXX an {$5000.00} unsecured loan account was opened in my name and only 87 % of the balance was paid leaving a remaining balance of {$4300.00} on the account. In XXXXXXXX XXXX the account was closed and the remaining unpaid balance was canceled/ discharged and reported as profit or loss write-off by the Creditor. By doing so all debtors obligations were eliminated thus I do not recognized these activities and they were not authorized by me as they are fraudulent and incorrect as shown on my credit report
08/27/2019 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 29456
Web Servicemember
To Whom It May Concern : I wrote this company on three separate occasions regarding an alleged debt, claiming I owe {$1100.00} for an unpaid account. Prior to me seeing the account on my credit report dated XX/XX/XXXX, they never sent me a notice/letter or gave me an opportunity to dispute the information. Therefore, I wrote to your company on XX/XX/XXXX and requested validation and that they remove the alleged debt from my report also explain that the debt was outside the statute of limitation as collectable debt and that I dont have a signed contract with their company. The company never responded to my letter, failed to send me proof of said debt but continued to report the debt on my credit report without placing the dispute disclosure within 30 days ( see attached copies of XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX reports ). So, I wrote them a second time on XX/XX/XXXX this time sending the letter certified, return receipt which they signed for on XX/XX/XXXX and responded back to me on XX/XX/XXXX with what you believe to be proof of the alleged debt. I checked credit file on XX/XX/XXXX and again they dont place the dispute disclosure on my credit file. They finally placed a dispute clause on XX/XX/XXXX which is almost 6 months and well past the 30 day time frame allowed by Federal law to place a dispute clause. I have retained copies of their signature and date of receipt along with time-stamped copies of my credit reports showing that they violated the Fair Debt Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the 30-day period as required by Federal law. I wrote them for the third time on XX/XX/XXXX which they received and sign for on XX/XX/XXXX explaining that they violated federal law by not placing the disclosure in a timely matter and requested that they remove the debt collection entirely from my credit file, which they have yet to respond. I have maintained excellent records regarding my communication with this company for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should they continue in their non-compliance of federal laws under the Fair Credit reporting Act. I also reminded them that you may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by the consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). Since they violated federal law, by not properly providing me or the credit bureaus with proper notice within the required timeframe, and I have evidence of such, they must now remove the item entirely from my credit file. If they dont remove the item, I plan to file a lawsuit where I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) CC : Attorney Generals Office CC : XXXX XXXX XXXX
07/17/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 28390
Web
First Point debt collection agency will not accept any information provided by insurance provider proving that I was not responsible for the debt they claim I owe. They continue to contact me and will not resolve anything. This is part of a formal compliant I have lodged with a hospital where this issue originated. I went to the Hospital E.R., on XXXX XXXX XXXX, whilst there they took my XXXX card, Driver 's License, insurance information, and my contact information. After I was treated I went to the front desk billing where they did not ask for any copay as it states on my XXXX Access card, nor did they give me any billing or any other information, simply stated that " I was good '' and was released from the hospital.. I received a recorded message on XXXX XXXX 2015 from First Point collection agency. I contacted them to find out why a collection agency was calling me and they informed me that a bill for the physician visit was passed to them for collection ( {$370.00} ). I contacted XXXX who informed me that they never received a bill from the hospital for physician, they did however receive a bill from the Hospital for {$1000.00}. Hospital sent a bill for {$720.00} on XXXX XXXX which I received on XXXX XXXX. I contacted the hospital and paid the balance with my XXXX access card. On the XXXX XXXX I received a letter from First point collection agency for the same bill. Hospital updated the collection agency about this bill being paid. I received this information from a representative named XXXX from First Point when I contacted them about the letter on XXXX XXXX then contacted the physician and the XXXX department on XXXX XXXX 2015, they had no record of my insurance or my correct address, they informed me that they had sent a letter to my previous address in AZ, I updated them with all information they need to bill the insurance and for me to be able to pay the charges I need to. I updated the collection agency rep XXXX of all that had been done. On XXXX XXXX I received another call that I still owned money for the physician 's bill. I had made the payment with my XXXX access card on XXXX XXXX. I contacted XXXX and we completed a XXXX way call with First Point, XXXX from XXXX faxed over confirmation of benefits to First Point rep. On XXXX XXXX I received a call from XXXX XXXX stating they never received any fax and money was still outstanding. Hospital was paid on XXXX XXXX ( Ref XXXX ) with my XXXX access card. First Point are still trying to hold me accountable for {$270.00}, this amount was covered by discounts /exclusions. In summary, the hospital billing structure is broken by evidence of my experience. Information has been repeatedly lost and misconstrued and has resulted in me being harassed by a debt collector for payments that were paid in full once properly routed to my Insurance provider. This should have never been an issue if the hospital simply used the information I originally provided. The hospital used the wrong information and their first and only course of action was to turn over to a collection agency. There are no outstanding debts and the hospital has not fixed the problem they created. I 'm also filing a complaint against First Point debt collection agency though Bureau of Consumer XXXX Protection and have already sent a complaint against my Insurance provider through XXXX 's internal dept.
09/09/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • NC
  • 273XX
Web Older American, Servicemember
XXXX XXXX turned my account over to a collection agency without prior notification or warning. A XXXX was performed in XXXX 2015. After insurance paid there portion, I received my first statement in XXXX 2015 where I called and asked to make {$50.00} payments toward the {$190.00} balance in which they agreed. Very shortly thereafter I was injured which resulted in XXXX for which I 'm still recovering. Having not received a statement for payment due, I had forgotten about this provider due to my incapacitation. In XXXX, I began receiving threatening phone calls and letters from a collection agency regarding an unpaid medical account. I responded to the collection agency asking for a statement describing the debt as they provided none prior to that time. On XXXX XXXX, 2015, I received a response for the collection agency accompanied by a statement from XXXX XXXX. From that point, I remembered the debt I owed but was concerned why they would turn a partial unpaid balance over to a collection agency without any prior notification or warning to me in advance. On XXXX XXXX, 2015, I telephoned XXXX XXXX and spoke with XXXX in the billing department. I asked why they would take such damaging action without me having notified me in advance of doing so. XXXX was rude and condescending upon speaking to me stating that I knew what I owed and should have paid the bill in XXXX when I made the partial payment. Because of her rude and sarcastic manner, I asked to speak with the Office Manager. The Office Manager advised both my wife and I that as far as she knew, there had been no payment plan and they made attempts to contact me before turning over to collection. Furthermore, because the account had already been handed to collections, there was nothing she could do as the damage was already done. Note : XXXX XXXX said they made numerous attempts to contact me by mail and phone, but no communications were received by me. Additionally, the first attempt to contact me by the collection company was successful. This shows that XXXX XXXX made no attempt to contact me as I would have received the mail and voicemail is always available on the phone number I provided to them. As per the attitude of XXXX, I knew about the debt in XXXX and should have paid it in full then. I do n't believe it 's fair to consumers to have their credit damaged by careless & lackadaisical persons empowered by businesses.
02/02/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 283XX
Web
This organization is very abusive and is a compulsive liar. Firstpoint Resources or Firstpoint Collection Resources has promised to delete this item when I paid this debt in XX/XX/XXXX and they never deleted this item. They promised again in XX/XX/XXXX when I completed a complaint with the Consumer Financial Protection Bureau. They were not being truthful when they informed the Consumer Financial Protection Bureau and myself that they sent a letter for deletion to XXXX on XX/XX/XXXX. Today marks XX/XX/XXXX and this item is still showing up on my credit report hindering me from receiving the financial services that are needed for my family and I during this pandemic. This a disservice not only to myself but to my family and many of the consumers that trying to survive in this pandemic. It is imperative that we bring awareness to these organizations that lack compassion for consumers. Consumers are facing several issues trying to survive during this pandemic and this organization is doing absolutely nothing to assist these consumers or showing any form of sympathy. Per my previous complaint. I want to start off by saying I was considering looking for a mortgage. When my lender looked up my information, he thought it was odd that I opened an account in XX/XX/XXXX, but the " creditor '' reported it delinquent in XXXX of XXXX. I thought it was weird as well because how can someone open an account in XXXX but is deemed delinquent in XXXX. So, I reached out to the company and the staff was so rude. So, I ended up paying the {$220.00} and {$52.00} debt that they said I owed with the intent that they would delete the item on my report which they never did. Once I noticed almost 2 months later, I called back and they said they will not remove it but will update the status to " paid in full ''. The representative I spoke with in XXXX said it was my first offense with the company and they would delete it, but the second representative was extremely rude about it. Even when I informed her that I moved and never received any notifications or calls. I even emailed the manager that sent me a receipt and still to this day, I haven't received an answer from him. At this point I feel taken advantage of because of the rudeness and lack of compassion from " Firstpoint Resources '' or " Firstpoint Collection Resources ''.
05/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92105
Web
This company has never reached out to me regarding those two derogatory marks on my credit. In XX/XX/XXXX. I brought my First car and in order for me to drive the car off the Lot I had to buy insurance! Which I did I brought insurance through the dealership because they knew someone and that was XXXX XXXX XXXX.. I didnt have a great relationship with XXXX XXXX at all BOTH times I had them. When I got into an accident my car was Totaled and wasnt able to get fixed. And in XXXX I ended my relationship with XXXX XXXX XXXX XXXX. Not owing them a dime! But unfortunately they report on my credit report that I opened an account with them XX/XX/XXXX which isnt true. Because I brought my car back in XXXX XX/XX/XXXX. So how could I have opened an account with them around XXXX? Makes absolutely no sense completely absurd. They stated I owe them XXXX $ I need documentation with valid proof. In addition to this they also stated that I owe them another XXXX XXXX And the account was opened XX/XX/XXXX. If I recalled I ended my relationship with XXXX XXXX back in XXXX XXXX. Due to them stating I owed them back payments for a system glitch on their own system. I called to report that I notice I wasnt being charged for the month of XXXX payment and thats when I was told by representative that it was a computer glitch and it was a mistake on their behalf! Which also means that I was driving around without INSURANCE! Thats another violation! I could have had my car impounded for a mistake or worse I could have gotten into a car accident and been in JAIL for not carrying insurance but according to XXXX XXXX it was a mistake and they promised not to charge me. When I notice a charged for two separate payments I called my bank for FRAUD! Because XXXX XXXX committed a FRAUD. I could understand If they fixed the glitches and I was charged for the month of XX/XX/XXXX but nope they charged me for both MONTHS. After I was told not to worry that I wouldnt be charged for an ERROR!. Lets talk about UNPROFESSIONAL! Its unethical to tell a CUSTOMER you wont charge them and charge them anyways. And on top of that report such thing on my credit report! I dont owe them any MONEY! And if I do I need documentation with proof and proper dates! And signed documents from ME! With my signatures.
03/30/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28208
Web
I received a threatening letter from First Point Collection Resources Inc to put a debit in the amount of XXXX on my credit report I didnt recognize, this debit had already been removed from the original collection agency as I had also requested validation for the debit that they couldnt provide. I then sent the same Debt Validation Letter to First Point Collection on XX/XX/XXXX, they received the letter on XX/XX/XXXX. The letter requested. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. I received a letter back from the company on XX/XX/XXXX and none of the requested documentation was in the letter. Included in the letter was a print out from a website, that include my name & the account in which they are saying is mine and the charges. This letter doesnt include a letter head or anything on where its coming from so for all I know they could had made this letter in they office. I then called and spoke to a man who stated that is all they had to provide to me to show validation, I let him know that a lawyer would be in contact due to the fact the requested documentation wasnt received and the debt validation stated Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. The agent became very disrespectful after he stated he couldnt continue the call with the lawyer & disconnected the line when I continued to question why I wasnt allowed to have this information if they are saying this is my debit.
11/04/2022 No
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 273XX
Web
XXXX XXXX Changed their mind on what the amount of the bill. Due to no fault of my own, XXXX decided to increase this bill significantly since the initial bill. The initial bill was approximately {$1500.00}. Once it was realized that insurance was not filed ( even though we gave insurance at intake ) I filed insurance which jumped the price to nearly double to XXXX XXXX The bill came back 2 times to give the XXXX $ ( still far off from the initial bill ). When I told XXXX to remove my insurance from the account to give me the initial bill, they refused. The medical initial intake notes did not reflect my symptoms, issues, and discussions that I had with intake personnel, doctors, nurses, and other medical personnel. Once they were made aware of the situation on what had to be added and changed. Once I contacted XXXX, Some were corrected and modified, however some issues, complaints, problems, symptoms, and causes are still not documented either at all or correctly. This will lead to issues later with XXXX getting proper compensation from XXXX. Since this was related to my XXXXXXXX XXXX just 2 days prior to my arrival at the hospital. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has indicated to me that they have not received all of the information requested from the providers of care. When I called the hospital to verify what, if any, information, notes, and/or documents were sent. I also requested the date it was sent. They refused to give this information to me either by phone, through email, or in person. And would not verify that they received a request from XXXX to send the information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as long as the documentation about the visit was accurate and complete ( which it is still not ). In addition the medical provider needs to provide the requested information to XXXX, which XXXX has not received as of this moment. XXXX will not allow me to provide them medical records, documents, or information and it must come directly from XXXX.
04/03/2022 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19141
Web
ATTENTION DISPUTE DEPARTMENT FIRSTPOINT COLLECTIONS Reported : XXXX XXXX XXXX, XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX
09/03/2021 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31088
Web
FirstPoint Collection resources , Inc. is reporting unverified medical information to Credit reporting agencies in the amount of {$52.00}. I initially contacted FirstPoint, in writing ( see Attachment # 1 ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. FirstPoint responded to my request for a signature bearing document with a letter ( See attachment # 2/3 ) stating the debt was verified and it belonged to me. None of the information provided by FirstPoint bore my signature or any other validating evidence linking me to the debt. I responded in writing again ( See attachment # 4 ) to request a signature bearing document as proof of this debt but never received a response. Both XXXX and XXXX have investigated this account, deemed the information unverified and invalid, and have subsequently removed this account from my credit report. Yet FirstPoint continues to report this unverified debt to XXXX in violation of both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I also reached out to FirstPoint by phone and spoke to a woman by the name of XXXX to try and resolve the issue because I am trying to purchase a home and this item is negatively affecting my credit report. I explained my situation and asked if i could get a goodwill deletion if I paid the debt in full ( even tho it wasn't mine ) so it would no longer show up on my XXXX credit report. XXXX told me that they would not give a me a Goodwill Deletion and would still report the collections account to my credit report even after I paid the balance. FirstPoint 's policies and actions are highly predatory and violate the FCRA and HIPAA and should be investigated. I have made attempts to resolve the matter and have been met with staunch opposition which is the reason I am filing this complaint.
09/28/2020 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
  • 27613
Web
I pulled my credit report and I have multiple hard inquires from unknown sources I never did business with them and I need them removed.. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 1I ( a ) ], these disputed items must be investigated or deleted from my report record in 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to Debt validation constitutes collection activity. I am also requesting my name and addresses and telephone numbers be updated in any other names and addresses and telephone numbers that do not belong to me be removed as well. The following accounts in dispute are listed below Hard inquries that need removed I have never done business with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown company needs removed XXXX XXXX Also are not allowing me to pull copies of my credit report but will sell my information to third parties such as XXXX XXXX that's how I found all of this information on my credit I will be listing them in the documents proportion additionally I am allowed under the HIPAA law that health insurance probability and accountability Act of 1996, to protect my rights and privacy and medical records from third parties. I do not recall giving permission to First Point collections resources to share my information. It is only to be revealed with the patient 's authorization there for my request is to fold and as follows I would like to be provided validation of debt and HIPAA authorization 1. Please provide breakdowns and fees included any collections cause and medical charges also provide a copy of my signature with the provider of the service to release my medical information to you. First point collection resources Please delete all hard inquires listed in documents and above.
10/12/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • XXXXX
Web
In XXXX of 2021, I was surprised to receive a credit alert that indicated that the collections agency, Firstpoint Collection, had placed an amount of {$52.00} on my XXXX credit report for an apparent outstanding fee for car insurance with XXXX XXXX XXXX. Previously I had my car insured with XXXX XXXX, but had switched to another insurance company. Apparently because I changed insurance companies after the monthly due date, there was a prorated charge of {$52.00} that I now owed to XXXX XXXX. Neither Loyalty XXXX nor XXXX XXXX made any attempt to contact or notify me via any means of communication, prior to them placing the collection amount on my XXXX credit report. At the time, that alert caused a drop in my credit score of over 50 points. I got the credit alert on a Sunday, the very next day I contacted both Loyalty XXXX and XXXX XXXX, to express my disappointed at their total disregard for a persons credit history. XXXX XXXX took my payment and assured me that the collections would be removed from my credit report. When that didn't happen, I contacted XXXX and requested that the collection item be removed. My argument at the time was and still is, this was not a credit transaction, neither was I made aware that the debt existed, nor was there any effort made to collect the debt before the collection was placed on my credit report. I was assured the collections would be removed, but only the amount was changed to reflect a XXXX balance. I recently completed an application for a mortgage, only to realize that because of the presence of a collection transaction on my XXXX credit report, there is a difference of over 40 points between my XXXX mortgage calculated credit score and the XXXX, with an even greater disparity with XXXX. All this occurred because i wasn't informed that I had a balance to pay and despite my best efforts to have the situation resolved once I became aware of it..
10/10/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27607
Web
I contacted FirstPoint to advise them I was not the owner of these accounts ; they could not even properly verify my identity or and personal information such as my contact number or date of birth an address can easily be found. If You feel I obtained goods or services Please have a senior executive from your company certify under the penalty of perjury that I received goods or services. I write to dispute certain information in my file resulting from items that I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA.15 U.S Code 1681c-2- Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S 1681o Civil liability for negligent noncompliance ( a ) In general any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case if any successful action to enforce liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
05/31/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NC
  • 28540
Web Servicemember
Notice to all, I am that I am, the CONSUMER in fact, natural person, original creditor, XXXX, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, CONSUMER, and I have been appointed and accept being the executor both public and private for all matters proceeding. On XX/XX/2022 I received a letter from FIRST POINT COLLECTION RESOURCES INC. to acknowledge a dispute. I never gave them my written consent or permission to contact me. This is Harassment, and has left me with extreme XXXX and XXXX. Pursuant to USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. Evidence and Proof shows they contacted me on XX/XX/2022. They have/retrieved/bought/stolen/were given MY PERSONAL MEDICAL INFORMATION. THIS IS A VIOLATION, and has caused me great mental suffering and XXXX. Pursuant to 15 U.S.C 1681 section 602 A. States I have the right to privacy. Evidence and Proof shows They have included a logo within the contents of the letter. THIS IS A VIOLATION. Pursuant to 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Evidence and Proof shows that the letter reads this is communication from a debt collector. THIS IS A VIOLATION. Pursuant to USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. To say I owe a debt on my private medical information is obscene and profane language
10/16/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NC
  • 28739
Web Older American
The first statement I received from First Point collection was dated XX/XX/2016. The date of service was XX/XX/2016.Total balance on this account was XXXX and due on XX/XX/2016. This is the first notification I received of an outstanding balance and it was from a collection agency. My insurance processed and paid their part on XX/XX/2016. I sent a {$50.00} payment on XX/XX/2016 with a letter stating that I could not pay the amount in full but that I would send monthly payments. I also explained that I was also paying another bill from them of XXXX. I have always sent my payments directly to XXXX and they have been accepted and processed. I have made regular payments on this account. I received another letter from First Point dated XX/XX/2016 showing a balance of XXXX. I submitted a dispute letter to First Point on XX/XX/2016 requesting the amount of the debt as this balance was not correct. I have not received a response as of today, XX/XX/2016. I know it was received because I sent this certified mail. I have not missed making a payment and yet this has now been placed on my credit report. The balance placed on my credit report also is not the correct outstanding balance. The credit report does not show this as being disputed or as a medical bill. I believe both of these have to be shown on a credit report. When the provider is accepting and processing my payments they should not be able to put this on a credit report. The bill mentioned earlier of XXXX has been paid in full. It appears that they are trying to coerce me into making the full payment by sending me statements from a collection agency from the first statement. I take my credit report very seriously and I pay my bills.
03/08/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27610
Web
This is in response to a previous complaint filed with the CFPB ( case number XXXX ) against First Point Collections. This agency claims that they sent my original request for validation to an address they had on file which proved to be the wrong address because I never received any claimed validation from them. My correct address is the one listed on the certified mail that I sent as well as the address I listed in my initial debt validation request. By sending this alleged validation to the wrong address First Point has exposed my medical information being that who knows who was on the receiving end of that information. This is a violation of my HIPPA rights as no one should have my medical information other than the medical provider who treated me. This also violates my right to privacy. Also I never received any communication from First Point Collections informing me of this alleged debt which is a violation of 15 USC 1692g ( a ). So not only did they furnish an unvalidated debt but they also turned a private matter public by reporting it to consumer reporting agencies, so they are advertising this alleged debt to coerce payment which is in violation of 15 USC 1692d ( 4 ). Also I have attached the alleged validation letter they attached via the CFPB because they sent the initial request to the wrong address. In this letter First Point Collections is in violation of 15 USC 1692b ( 5 ) as well as 15 USC 1692b ( 2 ) for stating that they were a debt collector without knowing who they were communicating with. Since they sent this information to the wrong address whoever that received that mail could assume that Im in debt causing harm to my reputation.
10/04/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 708XX
Web
one day I saw that I lost XXXX points on my XXXX account a debt collector Firstpoint Coll RESO trying to collect on a debt that I do not owe them nor do I have a valid written contract agreement with a wet ink signature I am a natural man, I am a living human being, under 15 U.S.C.1692g it's no validation of debt that's one of the violations also another violation is 15 U.S.C.1692e false an misleading representation breaking these laws under FDCPA as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. They took adverse action against me and reported a collection to the credit bureau Section 808 ( 1 ) of the Fair Debt Collection Practices Act and Regulation F prohibit debt collectors from charging consumers pay-to-pay fees ( also known as convenience fees ) for making payments a particular way, such as by telephone or online unless those fees are expressly authorized by the underlying agreement or are affirmatively permitted by law 15 U.S. Code 1692f - Unfair practices, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : This false entry has caused my credit score to plummet close to XXXX XXXX I reached out to the collection agency and was advised that they would look into the duplicate payment nothing happened this caused a negative impact on my finances and life leaving me with higher interest rates and denied an extension of my credit which caused an adverse action under the law I have rights under 15 USC 1681A ( K ) 1
10/09/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • XXXXX
Web
On XXXX XXXX, XXXX, I wrote to this company notifying them that their claim was disputed and in that same letter, I requested that this company validate the debt. I requested that it provide me with competent evidence that I have any legal obligation to pay them. I asked that they 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 that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. Instead, the company sent me a letter dated XXXX XXXX, XXXX from a debt collection company. In that letter, the dollar amount of which they say I owed was changed. This company did not provide me with competent evidence that I have any legal obligation to pay them. It did not show how it calculated what they said I owe ; it did not provide me with any papers that show I agreed to pay what they say I owe ; it did not provide verification or copy of any judgment ; it did not identify the original creditor ; It did not prove the Statute of Limitations had not expired ; it did not show me that they are licensed to collect in my state ; and it did not provide me with its license numbers and registered agent. Rather, this company has to this day ; knowingly reported invalidated information to the three major Credit Bureau 's ( XXXX, XXXX and XXXX ).
10/09/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • XXXXX
Web
The company has responded to the complaint # XXXX. In a letter sent to the company XX/XX/2014, I notified the company that their claim was disputed. In the same letter, I requested that this company validate a debt for which they say I owed. I requested that the company provide me with competent evidence that I have any legal obligation to pay. I asked that they 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 that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. To my request, the company responded with a debt collection letter from a company. In that same letter, it changed the dollar amount to a handwritten amount. The company did not validate the dept. It did not prove the Statute of Limitations has not expired on this account. It did not show me that they are licensed to collect in my state. It did not provide me with its license numbers and Registered Agent. It did not explain and show me how it calculated what I they say I owe. It did not provide me with competent evidence that I have any legal obligation to pay them. I do not know who this company is. This company has knowingly reported invalidated information to the three major Credit Bureau 's ( XXXX, XXXX and XXXX ).
04/25/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23452
Web
Someone opened a fraudulent natural gas account using my first name and social security number. That account was sent to First Point Resources for collections. I submitted a credit dispute with XXXX of the major credit bureaus and they began investigating. During this investigation I worked directly with First Point, providing them verification documents by email as requested, including the FTC 's identity theft affidavit and a copy of the related police report. Eventually the credit bureau responded that the debt collection company ( First Point Resources ) had verified that this account was actually mine. Upset, I called First Point Resources to get an update on the situation. Their representative said that First Point never received a copy of my police report. I was incensed that instead of sending any notice to me that they did not receive my police report, they verified fraudulent information with a credit agency. I then proceeded to send police report and the other relevant documents by email to First Point. It took me sending these emails XXXX for First Point to " get them, '' the manager was never available to speak with ( always in a meeting ), and First Point has never in my interaction with them contacted me on their own initiative or informed me about the status of my collection account. All of this could have been avoided if First Point Resources notified me as they are required by Section 5 of the Fair Credit Reporting Act which provides that " if an agency declines or rescinds a block, it must notify you. ''
10/15/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 29016
Web
First Point Collections Resources is in violation of the Hippa Law and the Fair Credit reporting Act. 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 patients authorization. I received a summary of charges listing medical record number, XXXX, XXXX and type of XXXX as validation of debt from them. First Point Collections is purposely causing me mental and emotional stress by having procession of my medical information, that can be seen by any their employees at any time and intentionally destroying my credit by placing 12 accounts on my XXXX report. I have included all certified letters sent to them. Along with final letter received by them on XX/XX/2021 requesting Any agreement with their client XXXX XXXX XXXX XXXX XXXX that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase 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. 1340 ( 1 ) BREACH OF SECURITY. And a copy of any HIPAA authorization. Their response was to continue to send me documents that clearly violates the HIPPA Law. First Point Collections has left me choice but to file complaints to the organizations that are in place to protect the rights of the consumers.
01/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32218
Web
I am writing to inform you that I have yet to receive any information or documentation from your company regarding a wet ink contract stating that I own the debt in question. Despite my multiple attempts to reach out to your company for the original documents, I have been denied. As per the Fair Credit laws, I am requesting that this debt be removed from my record immediately. Failure to do so will result in me taking legal action based on related laws that pertain to this violation. I have made three attempts to contact your company and request the original documents, but I have yet to receive a response or any information that would indicate that I am indeed responsible for this debt. The Fair Credit laws require that consumers have the right to review and dispute any debt that is reported on their credit report. I understand that errors may occur, but it is the responsibility of your company to provide me with the necessary documentation and information to properly review and dispute this debt. By denying me access to this information, your company is violating the Fair Credit laws and my rights as a consumer. I hope that this matter can be resolved quickly and efficiently, and that your company will take the necessary steps to provide me with the original documents and information that I have requested. I look forward to hearing from you soon.
10/17/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28150
Web
I noticed a debt collection for XXXX appeared on my credit report about a a month or two ago. It says the debt was with my truck insurance provider. I called my local insurance agent, XXXX XXXX, to inquire about this supposed debt I owed to XXXX XXXX. XXXX looked at my accounts and said I didnt owe anything. She called XXXX XXXX and verified I owe nothing. I have been with this company and on auto-draft monthly for 9 years or more. I am clean for these 9 years. XXXX then called Firstpoint Collection Resources and got miss XXXX on the phone with she and me. We had a three-way conversation in which XXXX told XXXX XXXX I did not owe her and this was an error on their part. XXXX XXXX admitted I was clear, but did not remove it from my credit. I asked her how to fix it and she told me to file a dispute through XXXX XXXX, which I did immediately. She still did not remove the collection. A month later, I called XXXX XXXX again and she had me to email her a long email explaining in specific details that they had mistaken me for someone else. She said that would resolve the issue. She still has not removed the collection from my report. I am not the person that owes this debt and they know it. But they do not care to remove it from my credit report. Please help me get Justice in this situation!
04/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28562
Web
First Point Collection Resources is intentionally trying to damage my credit to keep my mortgage application from going though. They are reporting 2 accounts on my XXXX credit report. They waited until I applied for a mortgage to report their collection. The loan was pre-approved, but my home is now under construction. The mentioned accounts are PAID IN FULL, via XXXX XXXX ( original creditor ) who when they took my payment recalled the debt from First Point ( I have this on a recorded call and willing to provide ). The debts in question should not even be reporting! First Point also violated the FDCPA on 2 occasions by contacting me after receiving my certified mail letter telling them not to. ( See attached Letter, signature receipt, and screenshots of calls ) I have legal council that will be filing lawsuit on those violaitons, however if this credit reporting issue causes me to not qualify for the mortgage, I will also seek damages up to {$250000.00} for their intentional acts. To further confirm my belief that First Point is intentionally trying to damage my credit, I know the credit bureaus have announced they will no longer be reporting medical collections under {$500.00} and deleting all paid collections. Knowing this fact they were trying to do damage while they could.
10/23/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28715
Web
I was originally contacted about an alleged medical debt by First Point on XX/XX/19 at XXXX. I informed them that I had originally paid the original creditor about a month ago on XX/XX/19. They told me to submit a copy of the check to XXXX which I did and the original creditor debited my account in the amount of {$20.00}. I submitted this check under reference number XXXX. I informed First Point multiple times in both email and received calls to remove me from their list as the debt with the original creditor was already satisfied. They have continued to harass me with phone calls. I requested a status update via email on XX/XX/19 with no answer. Again on XX/XX/19 I emailed again stating that these phone calls need to stop and stated I would be reporting them if it continued. On XX/XX/19 I received another phone call from XXXX at First Point who had no clue what was going on, I also verified with her that the email I have been sending to was valid, so I sent another email saying the phone calls would need to stop immediately. Again on XX/XX/19 and XX/XX/19 I received more calls. Would you please let this company know that they need to stop contacting me about a debt that was already paid to the original creditor and fine them appropriately for the continuing harassment calls?
04/29/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28105
Web
I contacted First Collection Resolution and was transferred to Mr. XXXX ; he advised me of additional debts that are under my sons name. I advised him with springing this on me I was only prepared to settle the debts in my name reporting on my credit. I asked to speak to his manager several times and he said NO. He was very rude and insulting. I asked for payment of my debts the ones I inquired about on my credit be removed with payment. He stated he and his boss linked my accounts and only as a 1 time courtesy only if I paid the {$860.00} they would do it- I advised I was only prepared to pay the {$340.00} today and would make payments on the other debt however I need a letter regarding that amount and if I truly owed it. He began to raise his voice and tell me I only wanted a manager because I wasnt getting g my way and they had never spoken to me. He informed me of additional bills of {$66.00} again I was not aware of however told him I could take care of that bill however the {$450.00}. I would need to make payments if the debt was mine. I asked for a manager and his manager he said the operations manager doesnt take these types of calls and that I could email if I wanted to again refusing me the opportunity to speak with his manager.
09/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 284XX
Web
I've been working with XXXX credit company for several years and they honestly do not care or want to help me. There's several bad address on my credit file that are fraud and 24 fraud accounts on my credit file with them, but no one will help me. I deal with the office of the consumer affairs sense theirs been so much fraud on my credit file. I have faxed them a new police report every year with fraud accounts and they never remove the fraud accounts no once. I contacted everyone of the banks that had fraud accounts of my credit file and they all said we have never received anything from XXXX, but we have gotten reports from XXXX to remove the accounts asap. I'm attaching a new police report with fraud address and accounts on it. Next step will be legal. i want those accounts off my credit file asap and for them to keep the police report on file. The office of the consumer affairs want even let me dispute anything until i give them a ID and police report, I have given them my ID and police report several times and they keep losing it for some reason. Please help me. My bank loan on my house is being called in because of the fraud account showing on my credit file with XXXX. Everything has been removed from XXXX, XXXX several years ago.
09/16/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27406
Web Older American
Complaint # 1 Firstpoint Collections and Resources - Received collection letter XX/XX/2020 from XXXX XXXX, that I owed an outstanding debt of {$50.00} to XXXX XXXX XXXX XXXX. Responded in late XX/XX/2020, that I never received a bill, a statement, a notice, or a phone call about a {$50.00} outstanding debt or any outstanding debt with the original creditor. I also checked the " XXXX '' app where outstanding balances in the XXXX XXXX XXXX appear and found NO outstanding {$50.00} balance for XXXX XXXX XXXX I responded to Fastpoint requesting validation of the debt and received a response on XX/XX/2020, from XXXX XXXX, Director of Operations with a statement that Firstpoint had " contacted our client and verified that you are the responsible party ''. I have yet to receive a copy of a bill, a statement, a notice, or a telephone call from the original creditor showing me a validated claim. I only received an enclosure from XXXX XXXX XXXX XXXX which was a printout of a report showing {$50.00} was written off on XX/XX/2020, not a bill, statement, or notice. I wrote to XXXX XXXX on XX/XX/2020, requesting validation but never received a response. I have had regular annual appointments for 5 years with this provider and have always paid at the
04/06/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27265
Web
FIRSTPOINT COLLECTION RESOURCES , INC . XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX To : The Office of Registered Agent for FIRSTPOINT COLLECTION RESOURCES , INC . From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party XXXX Collector XXXX XXXX passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. Consumer disputes this debt and ALL claims in accordance of XXXX XXXX XXXX, Title XXXX XXXX XXXX, Regulations Z, Regulations M and ALL applicable XXXX Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX
06/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30017
Web
After first notice on two of my credit report that I had pulled the year ending XXXX, XX/XX/XXXX, I did an online dispute, with ( XXXX ) ( XX/XX/XXXX ) debt was not mine, never live at the *address, or did not have such an *account that I am aware of. I no longer have the completed on the first dispute but came back saying the debt was *verified that's all. I did another dispute with ( XXXX most recently ) in XXXX ) Just recently after the reinvestigation dispute came back again with results saying verified and account updated, ( I notice *reporting dates are changing for some reason from initial reporting done in XX/XX/XXXX ) I have decided to address the collection company with a *Certified letter, sent on XX/XX/XXXX, for *action to delete/remove that information from my credit profile, I never lived at that address that I see connect to that account, and not aware of any such account exist. Show me proof of validation, history, and that they may be in violation of regulation *1006.30 Other prohibited practices ; I never receive any *information/communication ever from the collectors in regard to a notice implying this debt but they reported to the credit bureaus anyway. apparently on or about XXXX XXXX of XXXX.
06/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30017
Web
After first notice on two of my credit report that I had pulled the year ending XXXX, XX/XX/XXXX, I did an online dispute, with ( XXXX ) ( XX/XX/XXXX ) debt was not mine, never live at the *address, or did not have such an *account that I am aware of. I no longer have the completed on the first dispute but came back saying the debt was *verified that's all. I did another dispute with ( XXXX most recently ) in XXXX ) Just recently after the reinvestigation dispute came back again with results saying verified and account updated, ( I notice *reporting dates are changing for some reason from initial reporting done in XX/XX/XXXX ) I have decided to address the collection company with a *Certified letter, sent on XX/XX/XXXX, for *action to delete/remove that information from my credit profile, I never lived at that address that I see connect to that account, and not aware of any such account exist. Show me proof of validation, history, and that they may be in violation of regulation *1006.30 Other prohibited practices ; I never receive any *information/communication ever from the collectors in regard to a notice implying this debt but they reported to the credit bureaus anyway. apparently on or about XXXX XXXX of XXXX.
09/03/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27612
Web
I want to start off by saying I was considering looking for a mortgage. When my lender looked up my information, he thought it was odd that I opened an account in XX/XX/2019 but the " creditor '' reported it delinquent in XXXX of 2019. I thought it was weird as well because how can someone open an account in XXXX but is deemed delinquent in XXXX. So I reached out to the company and the staff was so rude. So I ended up paying the {$220.00} and {$52.00} debt that they said I owed with the intent that they would delete the item on my report which they never did. Once I noticed almost 2 months later I called back and they said they will not remove it but will update the status to " paid in full ''. The representative I spoke with in XXXX said it was my first offense with the company and they would delete it but the second representative was extremely rude about it. Even when I informed her that I moved and never received any notifications or calls. I even emailed the manager that sent me a receipt and still to this day, I haven't received an answer from him. At this point I feel taken advantage of because of the rudeness and lack of compassion from " Firstpoint Resources '' or " Firstpoint Collection Resources ''.
03/19/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21144
Web
To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed XXXX & FIRSTPOINT COLLECTION RESOURCES, INC that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. IF YOU DO NOT REMOVE I WILL SUE YOU IN COURT FOR DEFAMATION OF CHARACTER. FTC IDENTITY THEFT Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .AND STOP REPORTING THIS FRAUD ACCOUNT. COLLECTION ACCOUNT : XXXX & FIRSTPOINT COLLECTION RESOURCES, XXXX delete it from my credit report Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
04/06/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27127
Web Servicemember
FIRST POINT COLLECTION RESOURCES INC. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : FIRST POINT COLLECTION RESOURCES INC. From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX, is authorized to administrate ( acting trustee ) on the XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the { XXXX XXXX }. Courts require your contract for jurisdiction. Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. govern yourself accordingly. By : XXXX XXXX
02/24/2022 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
  • Was not notified of investigation status or results
  • NC
  • 27704
Web
I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. XXXX is denying me from submitting disputes online when I didnt give my consent for these accounts to be furnished in the first place. They arent notifying me when a dispute is finished and the same accounts are saying, dispute isnt available. Lastly, an employee told me, XXXX are the ones disputing on my behalf. Thats identity theft. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571. Ive been disputing the SAME accounts for over a YEAR now. Thats a violation of 15 U.S.C. 1681n and 15 U.S.C. 1681o, XXXX is willfully and knowingly allowing this. I am demanding consideration and deletion of these accounts. Please look at the attachments/exhibits.
04/08/2022 No
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • TX
  • XXXXX
Web Older American, Servicemember
I broke my wrist and went to XXXX XXXX XXXX to fix it on XX/XX/XXXX. After discharge, I received a bill from the hospital. I paid this hospital bill in full. Beside the hospital bill, I also received a bill of {$5400.00} from XXXX XXXX. I called them up, I informed them that I already paid the hospital bill, and they need to contact the hospital for their payment. Few months after that, I received another bill with the payment of {$1600.00} from XXXX XXXX again. I called them back again, and told them that I do not know them and did not call them for any service. If they have a contract to provide the service at the hospital, and they do not get paid enough from the hospital. They can not pass the rest of the payment to me. Its a problem between the hospital and this service. I already paid the hospital bill in full. XXXX XXXX sent the bill to FirstPoint Collection Agency, I called this agency on XX/XX/XXXX to explain my situation, and reported that I paid the hospital bill for my XXXX on XX/XX/XXXX. I do not know or do not call for any other services while being hospitalized at XXXX XXXX XXXX. Im not response for any payment if the hospital did not pay enough to his/her contractor.
08/31/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27604
Web
On XX/XX/XXXX, I submitted a complaint to the CFPB about First Point Collection Resources, because this company is reporting a car insurance debt on my credit reports that does not belong to me. In FPCR 's response to my complaint, I was sent a document that claims to validate the amount owed, however, the document actually helps prove my case. My car insurance policy with XXXX XXXX was from XX/XX/XXXX- XX/XX/XXXX. Thus, my payments were do every month on XX/XX/XXXX. My last payment made on the account was on XX/XX/XXXX ( I paid the payment due on XX/XX/XXXX early ). Thus, I was covered from XX/XX/XXXX - XX/XX/XXXX. I cancelled my policy on XX/XX/XXXX via phone call and picked up a new policy on XX/XX/XXXX. This policy covered me from XX/XX/XXXX - XX/XX/XXXX. All things told, I cancelled my policy, prior to the end date of the coverage period of my last payment, and I also picked up new insurance policy that kicked in prior to the end date of the coverage period for my last payment. That being said, I do not owe XXXX XXXX a dime and I XXXX sure don't owe FPCR. I have attached the email confirmation from XXXX which shows when my new policy kicked in.
09/10/2023 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
The company is First Point Collection Resources , Inc located in XXXX NC. Had debt from an XXXX XXXX visit to XXXX XXXX XXXX in XXXX NC. Made payments to the hospital but was sent to collections. Received notice from the above referenced company and filed a Dispute. In the dispute we requested several items to include : 1. A detailed Invoice 2. Paperwork indicating who would be responsible for debt 3. Confirmation that XXXX XXXX XXXX is in compliance with Transparency Laws ( ie. Cost of services was not disclosed prior to services being rendered. Received nothing but a vague copy of an invoice that referred to several items that were not detailed as well a letter that said XXXX XXXX XXXX verified the debt was appropriate. The letter was from XXXX XXXX, Manager of XXXXXXXX XXXX XXXX XXXXXXXX. While on a phone conversation with the company they threatened to damage my credit by reporting to credit bureaus. I feel as though I am responsible for a portion of the debt but that the Hospital failed to be transparent and the collections agency has done little to confirm the debt and work out payment options, nothing but threats.
10/13/2021 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28105
Web Servicemember
This collections is not from original creditor. I do not owe FirstPoint Collection Resources , Inc. at XXXX XXXX XXXX, XXXX, NC XXXX any amount. They may allege I owe the {$1100.00} the sum of {$470.00}, {$330.00}, {$300.00}. I never heard of FirstPoint Collection Resources , Inc.. I never did a contract with them. I ask them how they got my private information without permissible purpose from the consumer. I ask them valid questions regarding this alleged debt. They have not responded with any valid information. They have willfully report, reported, and continue to report inaccurate and incomplete information and are in violation of 1692g ( b ) & 1692e ( b ). They have removed two of the alleged collections {$470.00} and {$300.00} yet one {$330.00} still remains. The removal of this information is proof that I don't owe them anything as these alleged debts. I have suffered emotional and financially because of this situation. I am hurting and XXXX I need help because they won't remove it. My credit suffers from this! This has been going on for months. I have suffered deeply from this and the covid-19 pandemic as well.
09/18/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 286XX
Web
In XXXX 2015, I obtained a copy of my XXXX Credit report. I noticed that a collection account was being reported from XXXX Firstpoint Collection Resources, XXXX. XXXX XXXX, XXXX, NC XXXX from XXXX insurance. This was the first time I became aware of this debt. While, I did n't understand why this was being report, as I have had additional policies from this company in the meantime. I was never contacted about this debt. I immediately called Firstpoint and paid this debt, as I was very worried about the damage to my credit scores. When speaking to the representative from Firstpoint, I was told to dispute this account XXXX to have it removed. I preceded to submit the dispute. Today, XXXX XXXX, I received the results of my dispute. Firstpoint did not agree to remove the account from my XXXX report. While I understand the responsibility of Firstpoint to report accounts to credit reports, I was not given the chance to take care of this matter before it was reported. I have very good credit scores with the other credit reporting agencies. This collection account is going to cause problems when I try to obtain a mortgage.
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.
04/07/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43701
Web
Was in an out-of-state major car accident and injured by a drunk driver. Spent a few hours in the emergency room in XXXX XXXX XXXX in XXXX NC before being discharged, and my husband was XXXX XXXX to XXXX XXXX XXXX. Based on limited insurance proceeds of the guy who hit us and pursuant to NC law, Gen Stat. 44-49/50 the lawyers could only disperse {$7700.00} to the hospital for my few hours of treatment. My lawyers also advised the hospital pursuant to NC Gen Stat 131E-91 due to failure to present bills to my medical provider ; XXXX XXXX, the balance and lien was waved and any reporting to credit bureaus would be contrary to North Carolina law and not enforceable. XXXX XXXX has turned this over to a couple collection agencies which no one has contacted me in years. It is only on my XXXX report and It is being disputed, I've called newest ; First Point Coll Resource, agency and nothing, I've tried the hospital with no response, and I am just not getting any resolution from anyone. This is now affecting my purchase of a house and needs to be resolved quick so I can complete my purchase. PLEASAE HELP!!
04/07/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27526
Web
I received a call from a company called XXXX, phone number : XXXX on XX/XX/23 regarding a debt from XXXX XXXX. I went to XXXX XXXX website and confirmed that th debt was valid and paid it that same day. I called first point back and got to the same lady who called me. I made her aware that the payment was made and provided her with her reference number. Today, XX/XX/23. I received another call from her asking me to pay again. I called XXXX XXXX and confirmed that there was no current balance owed. I called her back and made her aware. A gentleman picked up the phone before and was very rude and combative. He transferred me over to her. I asked her to remove me from their list and to confirm with XXXX XXXX. She stated that she would remove me, but if the balance is not paid.. I reminded her that it was up to her company to validate the debt before calling me back and that I would take legal action should I be negatively impacted for a debt that is already paid. I am reporting this because I do not have any confidence that this company will do their due diligence ve to validate the debt.
09/17/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 90222
Web
XXXXIRSTPOINT COLL RESOURCES INC is in violation of privacy act 1974, I didnt give FIRSTPOINT COLL RESOURCES INC Consent to report my personal information I also dont remember doing any business with this company, do to FIRSTPOINT COLL RESOURCES INC violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this collection, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and XXXX other fraud has been committed under my name. Please show me where I gave FIRSTPOINT COLL RESOURCES INC the consent to share my personal information to these institutions.I ask that FIRSTPOINT COLL RESOURCES INC to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ). Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
03/24/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29730
Web
The company send a letter post XX/XX/19. After another company try to cottect and fail thank to CFPB ... They sold the account to FirstPoint Collection. Within 30 days I send a certified dispute letter asking for a sgned contract that verfyingthat it belong to me. [ See L1 ]. They sended me a reply letter with no siginature. [ See L2 ]. i send a second certifed [ See L3 ]. They foller up with the same statement but a different letter once again no sign contract [ L4 ]. From the date of there frist letter XX/XX/19 to the last XX/XX/19 that 16 Days. I send my first letter on XX/XX/19, I had to the around the XX/XX/19 to respond. The send the second letter on XX/XX/19. I send me second letter to them on XX/XX/19. On XX/XX/19 they send me a third letter. It was reported on my XXXX between XX/XX/19 to XX/XX/19. Not given time to respond to the third letter. So am contacting CFPB.The law states I have 180 days on medical collection bfore reporting. And also First point collection changed the amount to XXXX dollars according to XXXX. Thank You XXXX XXXX
07/09/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 27529
Web
XX/XX/XXXX sent dispute letter to verify to XXXX about the collections are incorrect due to the previous 3rd party had to remove collections because the medical bills were paid out of a settlement case from car accident liability case. XX/XX/XXXX sent 2nd dispute letter to XXXX once again asking for verification and removal of medical collections. Also sent by fax XX/XX/XXXX to XXXX XXXX XXXX XXXX ( 3rd party collections ) to verify and remove collections due to it was a liability case and was settled in XXXX. Also sent by certified mail to both the XXXX XXXX and Street address for XXXX XXXX XXXX ( 3rd party collections ). Called on XX/XX/XXXX to have XXXX XXXX XXXX XXXX removed and they were rude stating it was my debt no matter how many times it would be sold and then they hung up on me. My credit was in great standings and in the 700 's ( for almost 2 years ) now its negative and in low 600 's. The following are the amounts stated on my credit file : XXXX {$470.00} XXXX {$46.00} XXXX {$320.00} XXXX {$55.00} XXXX {$220.00} XXXX {$290.00}
01/20/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27612
Web Older American
On XX/XX/XXXX I went to the emergency room at XXXX XXXX, XXXX NC. I received a bill for services dated XX/XX/XXXX for {$900.00} from XXXX XXXX XXXX XXXX. I contacted my insurance carrier XXXX XX/XX/XXXX and was told the in-network bill was paid. I returned the bill stub stating this fact. I received XXXX more statements stating that I owed the {$900.00}. On XX/XX/XXXX I initiated a chat with XXXX with XXXX XXXX XXXX XXXX. I gave her all information she requested and told her XXXX said they had paid the claim. She advised it would take XXXX days. XX/XX/XXXX XXXX XXXX XXXX XXXX sent yet another bill for {$900.00}. XX/XX/XXXX I received a bill from First Point Collection Resources for {$900.00}. I contacted XXXX XXXX my representative for XXXX. He researched the claim and concluded the claim had been settled per the terms with XXXX. I sent his report to First Point and XXXX XXXX. First Point continues to insist that I owe the {$900.00}. I want this cleared up and my credit restored as I have simply followed instructions from my insurance carrier.
03/28/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 282XX
Web
The amount in questions has been paid. Charge created from a Tenant. In accordance with the fair credit reporting act, the list of accounts below has violated my federal protective. Consumer rights to privacy and confidentiality under 15 USC 1681. Account name ( s ) : XXXX XXXX XXXXXXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy. 15 US C1681, section 604 A Section 2 : States a consumer reporting agency, can not furnish the account with them out without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information ; any other adverse item of information, other than records of conviction of crimes, which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate.
09/12/2023 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 90222
Web
XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and XXXX other fraud has been committed under my name. XXXX and XXXX have already removed this item from my report so Im asking for XXXX to remove this item immediately Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions. 15 U.S.C 6501-15 U.S.C 6505. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
04/11/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 180XX
Web
An old debt with an electric company was paid off in XXXXXXXX XXXX, the total amount to pay provided by XXXX XXXX XXXX XXXX when refinancing my home. The amount was incorrect, leaving a XXXX balance. I was NEVER notified of this remaining amount. All the while it was being reported to the credit bureaus as delinquent for XXXX months. I just happened to notice when checking my credit report. Not only has my credit score dropped nearly 100 points, I have been denied for credit cards and loans. I filed a complaint with the XXXX and the company response was the amount was " under the threshold '' of reporting to the consumer but they were reporting to the credit bureaus? Makes no sense. The companys suggested resolution was to remove the item from my credit report which is not sufficient. Compensation for my time and loss of being able to obtain a loan/credit cards with a reasonable interest rate is warranted. As well as the company retro actively report to the credit bureaus for the last XXXX months.
08/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 980XX
Web
I left North Carolina after my lease was done. I paid all my electric dues and gas company XXXX keeps telling I owe them money since I did not close the account. I asked them before I left that I will pay my last bill which I did. I left the country and came back they said I was not home to be there at my apartment so they did a soft close. It was not my problem anymore I called the apartment building and said to them XXXX XXXX was trying to close the account this was my second time letting them know I am no longer there my lease is done and I left the country. Now they keep sending me email that I owe this {$10.00} for the month I was not even residing in XXXX. After I asked them to fix this they still did not do anything. I paid all my utility bill up to date when I was living there in XXXX. I do not think this is my fault nor I was not there living for those days in XXXX. They still ask me to pay after I already paid and asked them my final bill after I left the country.
06/29/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 273XX
Web
Upon reviewing my credit. I notice my XXXX laws are violated. I sent a letter to the company stating I didn't give permission for 3rd parties to have my info. The company is required to provide all the things that were asked. The company failed by ; The bill does not include a detailed breakdown of any fees. You failed to do the Validation of Debt and XXXX authorization which is - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you In your response, They have failed to provide information within 30 business days. According to the FDCPA and XXXX Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights. As a company they are suppose to have those items to verify if they are accurate! That's evidence!!
08/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30188
Web
Firstpoint Collection Resources Inc. ( Firstpoint ) is in violation of the FDCPA. XX/XX/2021 an FDCPA demand letter was sent to Firstpoint and received, as evidenced by my credit report status for this account being updated to " Consumer Disputes This Account Information. '' Legally the collector has 30 days from receipt to respond with proof requested, including that I owe the debt and they have legal right to collect the debt, their license to collect debts in my state, and original contract I signed with the original creditor. Firstpoint ignored the letter and failed to respond within 30 days. As a result, legally Firstpoint must cease collection efforts, remove negative items on my credit report, or send a letter stating negative items were placed on my credit report in error. However, Firstpoint has reported to XXXX, as recent as XX/XX/2021, their information is accurate. Again, please be advised I did not request a " verification of debt '', but a validation.
10/27/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MA
  • 023XX
Web
On Friday XXXX XXXX XXXX at XXXX AM EST I received a call from XXXX. When I answered the phone call the caller stated my name and address and asked me to confirm them. With identity theft on the rise I was hesitant to provide this without first knowing the identity of the caller. I asked the caller who he was and who he worked for and told him that I would not be able to confirm any information about myself until he told me what company he worked for. He told me that he could not tell me who he was or what company he worked for until I confirmed my identity. I told him that without knowing who he was I could not confirm anything. He then started yelling saying that " He tried, '' and he then hung up. I later googled the phone number and learned it was owned by a collections company, " XXXX XXXX, '' who broke the law illegally trying to collect an unknown debt from me by not identifying themselves to me when I asked what company they were from.
01/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27406
Web
On XX/XX/XXXX, I filed a CFPB complaint XXXX against FirstPoint Coll Resources INC about an alleged medical debt for {$50.00}. I asked them how they got my information and also made it clear that they were violating my privacy under HIPAA. They responded that they would cease all communication on the account. On XXXX XXXX, I received a credit report from XXXX, stating that a medical collection was now being reported by FirstPoint Coll Resources INC. This is illegal. Medical debts are not permitted under federal law to be reported on a credit report. The company also stated that they would cease communications with me, but reporting to my credit report is a form of communication. More importantly, this is defamation of character because this collections account is now hindering my ability to utilize my credit in consumer credit transactions. This has caused me much distress both mentally and financially and is making me lose sleep at night.
01/29/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28443
Web Servicemember
I went to a clinic when I was XXXX to have a XXXX. My dad went with me and when he asked the receptionist what it cost, he was told {$20.00}, which he paid. A few months later my step mom, who was not there at the time, starting getting letters saying she owed {$140.00} for this XXXX ; she was never there and never signed, so she responded to them repeatedly and then they started sending me letters saying I owed it. At the time I was still XXXX and told them that they could not place this debt on me, and that I was with my dad when he was told it was only {$30.00}. And all he signed was a receipt. These people will not stop harassing me and telling me I have to pay or they will put a judgement against me ; I am still in XXXX XXXX. I just turned XXXX One month after this XXXX. They keep sending me threating letters and I keep disputing it and they leave me alone for a few months and then they start all over again.
06/16/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77056
Web
XXXX XXXX XXXX in XXXX , North Carolina charged me for natural gas consumption in XXXX XXXX for a volume that wa s 10 t imes what I consumed in the month prior. My natural gas consumption habit did not change from XXXX to XXXX , although a modest increase could be expected to due to heating requirements. In fact, I vacated the premises on XXXX XXXX , and the heating was turned off at that time. There was no justification for a ten-fold increase. I asked for a review of the account by XXXX , and XXXX took no action. The debt was sold to FirstPoint Collection Resources of XXXX , North Carolina. In XXXX XXXX I received a letter that was dated XXXX XXXX , XXXX . I believe the letter was pre-dated in order to eliminate possibility that I could challenge it in the time frame allowed by law. This is a fraudulent bill, and it appears to be a predatory business practice of XXXX XXXX XXXX .
12/14/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28655
Web
Contacted First point collection { XXXX } in spring of 2018, about them reporting on my credit file, stating that i owed {$100.00}, I told them that someone is using my information for medical bills. I have no idea of owing anything to XXXX. they refused to remove this from my credit report. I have gotten this off of my XXXX and XXXX report. I contacted XXXX XXXX XXXX in the spring of 2018 about fraudulent charge on my credit report stating that i did not have any knowledge of what this is from, i also told them this was not my bill to pay, that my wallet was stolen prior to 2018. I tried to contact the original creditor XXXX blue ridge about this bill owing {$100.00}. and never gotten any calls back or emails. I also have gotten this off my XXXX and XXXX report. there is also a statement in my credit file stating that i had fraudulent activity. and my wallet had been stolen
01/25/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28262
Web
I received letter First Point Collections Resource XXXX XXXX, 2017. Attempting go collect a debt for XXXX. First I never received any correspondence from XXXX. Second the FDCPA ( 15 U.S.C 1692c ( a ) states Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or express permission court or competent jurisdiction, a debt collector may not communicate with a consumer in collection of any debt. I havent given either company the above written consent to contact me in collection of any alleged debt. Further more my name is XXXX XXXX the company has XXXX XXXX XXXX. I have no known relationship with these companies, First Point Collections or XXXX and I am un aware on how they may have obtained my information without my knowledge or consent. I have sent a letter disputing the validity of this alleged debt.
02/20/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 165XX
Web Servicemember
This is some XXXX in North Carolina. I live in PA and ive Has insurance for the past two years. I tried to explain that to them and they just send back a letter asking for the money again. the second time I tried to call the guy wanted money and to try to transfer me around and sell me other products. I've got these from a few other states and it says my info is on the XXXX XXXX. They have gotten me for taxes unemployment hospital bills, Pay pal accounts and all kinds of stuff. I've already filled out the appropriate forms with the IRS, FTC, I've Tried the attorney General in there state and didn't Hear back and spoke with our state representative XXXX XXXX 's office And they had me call the state rep in North Carolina and i never her back the same happened in Several other states. Ive had bank accounts emptied, taxes filed in my name, phones disrupted.
12/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 287XX
Web
XXXX XXXX XXXX in XXXX NC claimed I owed {$10.00} for a month of service in a rental home after I had already given notice I would be leaving on XX/XX/20. They could not give proper time frames and kept changing story and owed amount on me after I called and spoke to 2 representatives who could not justify why I owed said amount but kept receiving bills. I filed complaint with XXXX in which time they finally got their story straight that I owed a final bill amount of {$10.00} yet never sent a paper bill showing dates of this. Agreed to pay but before I could I had FirstPoint XXXX threatening me with a collections for said amount. This amount was sent to collections before a proper amount of time was given to me to pay it. Paid final bill amount on XX/XX/20 of XXXX. Received another notification from FirstPoint XXXX today. I want the harassment to stop.
05/08/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28208
Web
I waas first contacted by FirstPoint Resources via phone in XX/XX/XXXX. They told me it was an attempt to collect a debt for XXXX XXXX. I asked what it was in reference to and they said a ( XXXX XXXX ). I have never had a XXXX done so i asked they provide supporting documentation of what they were referring to. On XXXX - they sent me a secure message with a ledger from XXXX XXXX showing my name as the patient for a XXXX XXXX XXXX on XX/XX/XXXX. Again, I have never had a XXXX XXXX so I contacted XXXX XXXX and they stated that they did generate the ledge but would not know any more and I would need to contact the hospital who would be responsible for any billing. I have no idea who to contact or how my name is listed as Patient. My main concern is having any damage to my credit, but also that this agency is trying to collect money that is not owed.
05/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28214
Web
Original creditor XXXX XXXX XXXX FIRSTPOINT COLL RESOURCES INC Account Number ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX I canceled this insurance policy when my car was repossessed I wasnt even given a refund for the remainder of the time of the policy Then the insurance company sold my personal information to a third party debt collector without my knowledge or consent I didnt even know I was still being charged after I called and canceled their services because I no longer had a car to insure I understand that this is identity theft and fraud because its illegal to sell someones personal information after canceling the service and selling the person information of an ex client to someone else intentionally for profit at the expense of an client Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2
05/09/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27511
Web
Good afternoon, I checked my credit report 2 weeks ago and noticed 2 false collections accounts with a collection agency I never heard of or from. I disputed both accounts and was denied with no proof of this debt or any attempt to collect this debt. Both accounts are with Firstpoint Coll Resources for {$330.00} for a visit to XXXX XXXX in XX/XX/2016, 3 years ago. I have paid all of my medical bills and have insurance. I also never received written notification or any communication about this debt. I do not owe this debt. The same company submitted another false account of {$91.00} for XX/XX/2016 as well. These are not debts I was ever notified of or given any proof of owing. Which is required by law. I have paid all medical debts and do not owe this debt. Thank you for your assistance in looking into this and disputing with this company.
01/09/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27603
Web
I sent two debt validation letters to this company asking for validation not verification of the debt they say I owe in the month of XXXX, 2019. On XX/XX/2019, this company sent verification of what they say I owe but they sent me procedure descriptions that was explaining personal things as if I signed a HIPAA release form but I never signed the HIPAA release for XXXX XXXX XXXX to release my medical information to this collection agency. On XX/XX/2019 FirstPoint Collection Resources , Inc. sent me a letter back acknowledging that I sent them a HIPAA release dispute letter but yet they still did not remove this account from collections. I've already filed a complaint on this company with the XXXX XXXX XXXX, the FTC, the CFPB and the Attorney General of North Carolina. Now this is my second complaint before I sue this company in federal court.
09/09/2021 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
  • Their investigation did not fix an error on your report
  • NC
  • 28546
Web Servicemember
XXXX XXXX XXXX I received a bill from XXXX XXXX XXXX XX/XX/2021 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I requested that they allow me to validate the alleged debt. I am not aware that there is a debt from first post collections and I am unaware of the amount due and your bill does not include a breakdown of any fees. 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 not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
09/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Was not notified of investigation status or results
  • NC
  • 28278
Web
On XX/XX/2023, I sent a letter to XXXX regarding a First Point collection account that was reporting an error and was inaccurate from what I understood for {$310.00}. I requested this to be investigated because it was inaccurate and to remove this item from my report. I also requested information regarding this, and I never received any additional information only that the collection account was verified. After mailing my letter to the XXXX credit bureau, I also sent a letter directly to First Pont on XX/XX/2023, which they never responded to me with anything that verified the collection account or non of the requested items I requested in my letter. Therefore, I sent another letter back to XXXX requesting their description of their investigation which they received on XXXX, and their XXXX to respond to that was up on XXXX.
06/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27896
Web
5 COLLECTIONS WERE REPORTED FROM FIRSTPOINT COLLECTION RESOURCES ON MY CREDIT REPORT IN XXXX OF XXXX WITH DIFFERENT DATES AS FOLLOWS : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX AND XX/XX/XXXX. NO COLLECTION LETTERS WERE SENT TO ME AND A DEROGATORY MARK IS ON MY CREDIT REPORT PER XXXX XXXX. UPON FURTHER RESEARCH, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTORS 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 ( FIRSTPOINT COLLECTION RESOURCES ) HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
10/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90011
Web
First Point Coll account # ( XXXX ) has violated my rights under FDCPA 15 U.S.C 1692g 809 ( a ) by failing to sending me, the consumer, notice of debt within 5 days of initial contact. First Point Coll ( XXXX ) has further violated my rights under FDCPA 15 U.S.C 1692e 807 ( 8 ) by failing to communicate that the debt was disputed. XXXX has also violated my rights under FCRA 15 U.S.C 1681s-2 623 ( a ) ( 3 ) by failing to provide notice of dispute after closing my dispute and after 30 days required by the FCRA. I will attach documents that provide proof of these violations. Documents will include the day this account was disputed, the date the dispute was closed, and a credit report 30 days after dispute was submitted. I demand that both companies permanently remove this account from my credit report.
09/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 24019
Web
I had interaction with this company on XXXX the XXXX at XXXX I spoke with a representative there that advised me that this payment would be sent over to XXXX XXXX XXXX XXXX XXXX on the XXXX payment report. I waited until mid XXXX as advised by the representative and contacted XXXX XXXX to see if the report had been provided to them yet they advised that it has not. We contacted the company together and XXXX XXXX was advised that payment has been made in full with no issues and the payment wouldnt be made to XXXX XXXX until the end of XXXX when they submit another report this is unacceptable and they have had ample amount of time to get this resolved! Then yesterday I was notified by my credit report alerts that this account was updated as still negative which I disputed with documentation of payment!
07/28/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27502
Web Servicemember
FirstPoint Coll repo Today I had a collection showing in my credit report. A medical biller that my insurance paid. I called and verified that this bill was paid. I contacted the collection agency FIrst Point Coll Repo and the person was very agressive and XXXX and rude. He was asking me for money to have it deleted it from my account, ( money to him ) not the actual debt since the debt had been paid. He wanted money and was yelling at me and then started making very XXXX comments and after I hang up he was texting me on my phone ( he texted from XXXX dif numbers ) since I blocked him, he sent many texts messages threading me and making XXXX comments about my accent. Luckily I was able to record part of the phone call and I have text messages showing how aggressive and disrespectful he was.
06/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28205
Web
I reached out to this company notified them that these accounts listed do not belong to me. I did not own a vehicle at that time I never applied for car insurance nor did I default on car insurance 5 to 6 times. I contacted the company to provide proof that these accounts belong to me I instructed them provide investigation proof I demanded that my rights not be violated as they are being done by this company. They have multiple listings for this company These reportings were never contacted by me from the car insurance company, the original applications formed to create these accounts, The proof that the car belonged or was financed by myself, they never did. They sent ALL of this information to a credit reporting agency without accuracy, which is a violation of my Federal Rights.
01/21/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 295XX
Web
Upon looking at my credit report I see something that I am unaware is on my credit report. XXXX which states retail is an account purchased by First Point Collection Resources on XXXX XXXXXXXX XXXX I was unaware of anything concerning this account have no knowledge what this account is, it says retail. I do not know who this furnisher is. I have made several calls to this company asking them to send me anything that verified I owned this debt and while doing so to stop reporting it to the bureau and they still will not. I am a victim of identity theft and clearly do not know who this company is, or what I owe them {$320.00} for. Collection Agency : First Point Collection Resources Account number : XXXX Creditor : XXXX Date opened XXXX Date purchased XXXX Amount of debt : {$320.00}
08/01/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27604
Web
Recently, I disputed an account on my credit reports that is being reported by FirstPoint Collection Resources. The results of the dispute came back as 'verified and accurate '. Thus, I wrote a letter to FPCR asking them to provide me with the documents used to validate this debt. However, the letter that I wrote was returned to me due to the letter 'not being deliverable as addressed '. I checked the letter and the address matches the address that FPCR has listed on my credit reports. Thus, instead of re-sending my letter I have attached it to this complaint along with the proof of mailing. In short, FPCR needs to send me a copy of the original contract and full accounting for the amount owed, using generally accepted accounting principles.
02/23/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 27704
Web
This debt was incurred in XX/XX/2016, while I was XXXX. I am not the responsible party, since the State of North Carolina has a duty to provide medical care to XXXX. On the date of service, I was an XXXX in the XXXX of the North Carolina Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Accordingly, the Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as XXXX of the XXXX, is the responsible party for these charges. Please contact Medical Claims Management at ( XXXX ) XXXX, ( XXXX ) XXXX ( fax ). should you have any questions. You may contact XXXX XXXX Acting Controller at the same numbers should you need a contact name. Plesae remove me as the financial responsibility for this debt from collections and from all credit reporting agencies.
02/20/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28214
Web
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights. FirstPoint Collection Resources Located at XXXX XXXX XXXX XXXX, North Carolina XXXX, USA Is in violation of 15 U.S.C. 1692-1692p Againts ( me ) XXXX XXXX XXXX. I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )
05/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 230XX
Web
XXXX XXXX Compliance Standards. This alleged debt are reporting fraudulently the XXXX Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance due to FURNISHING MY PRIVATE INFORMATION WITHOUT XXXX DISCLOSURES you must remove all inaccuracies. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, How was this verified? If a debt is sold to a XXXX party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.
04/07/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 27616
Web Servicemember
I have attempted to settle with this company even though I feel this account is not mine but they would not settle. I also attempted to write multiple letters to dispute this creditor directly through XXXX in regards to the inaccuracies of the account listed on my credit report and they rejected the fact that my medical records have been shared with XXXX credit bureau. I am very aware that this violates my rights to patient privacy and goes against HIPPA codes on patient confidentiality. Please speed up the process of them deleting this account on my credit report or I will have to seek litigation not against the credit bureaus but against the medical company whom reported these inaccuracies to XXXX. thank you.
01/27/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 217XX
Web
Debt had been paid by insurance prior to XX/XX/XXXX when I last spoke to the medical management company that billed for the services. Tonight ( XXXX/XXXX/XXXX ) I go t a call just before XXXX from First Point telling me that I still owe {$620.00} for services. XXXX was insistent that I still owed the money and he has control over reporting it to the credit bureaus. He stated that as of XXXX/XXXX/XXXX I still owed {$620.00} and he was attempting to collect it. XXXX was not willing to hear that I did n't owe any money and that it had been paid. After I let him know that he is not able to try and collect money for a debt that was paid he became very argumentative, stating that he can and needs to collect the debt.
12/05/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • VA
  • 236XX
Web Older American
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am XXXX XXXX XXXX. Social Security XXXX only XXXX. XXXX eligible recipient. XXXX. My Primary heat source, XXXX XXXXXXXX XXXX was disconnected XX/XX/2022, due to nonpayment. The accumulated disconnect amount far exceeds my monthly fixed income. XXXX. XXXX XXXXXXXX XXXX XXXX my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to a collections agency, First Point Resources, XX/XX/2022. XXXX. XXXX refuses to allow me to reestablish/start new services. ( They are demanding I pay them directly for the debt which they sold to the above referenced collections agency. ) There is no heat in my home. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX Reach us by phone XXXX
10/11/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • DE
  • 19720
Web
Pursuant 15 usc 1681 ( a ) ( 4 ) i am a consumer of this federal corporation. My federally protected rights have been violated. I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH FIRST POINT COLLECTION SOURCES WHICH IS A VIOLATION OF 15 usc 1692e. NOR HAVE I GIVEN WRITTEN CONSENT FOR THIS ITEM TO BE FURNISHED ON MY CONSUMER REPORTS. WITHOUT MY WRITTEN OR ORAL CONSENT ANY COLLECTION OF A DEBT ON MY CONSUMER REPORT IS A VIOLATION OF 15 usc 1681b. EACH VIOLATION IS PURSUANT WITH 15 usc 1692 K, WITH EACH VIOLATION BEING WORTH {$1000.00} EACH OR 1 PERCENT OF THE COMPANIES WORTH. I DEMAND THESE ITEMS BE REMOVED FROM MY CONSUMER REPORTS OR PAY ME {$1000.00} FOR EVERY MINUTE THAT ITS BEEN ON MY CONSUMER REPORT.
02/25/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28273
Web Older American
FirstPoint Collection Resources , Inc just sent me a collection letter with the reference number of XXXX and they claim that I owe this debt as of XX/XX/XXXX for {$40.00} to XXXX XXXX XXXX XXXX XXXX XXXX so I dont know what theyre talking about because I never had a citation about any of my animals and this needs dropped. The citation number for XXXX, XXXX XXXX XXXX XXXXl is XXXX XXXX XXXX. I was deemed XXXX in XX/XX/XXXX so I dont know how I couldve had a citation and I dont remember anything. I truly tell you this. I am starting a new job on Monday because I havent worked in XXXX years and its for minimum wage at home. I have NEVER heard about this until now & Im not paying for something I DO NOT OWE!!
01/03/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91303
Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
10/28/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29625
Web
I have previously sent FirstPoint Collection Resources , Inc several requests to validate my alleged debt. Each time they have failed. I was contacted by XXXX XXXX and XXXX XXXX. They each have failed to Validate the alleged debt of {$780.00}. FirstPoint Collection Resources , Inc. are debt collectors and has failed to furnish a copy of the formal purchase agreement, and state how much was paid for the alleged debt. FirstPoint Collection Resources , Inc. did NOT Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt to their firm. FirstPoint Collection Resources , Inc. does NOT own the account and therefore, we have no contract
04/23/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 18017
Web
i am lodging a formal complaint against firstpoint collection. this debt collector has reported derogatory info on my credit reports for a {$240.00} debt that doesnt belong to me. I have sent this company numerous debt validation request with no response from them, but they are reporting every month on my credit reports, which is a violation of the fcra. a debt collector must cease and desist while validation is provided. i am in the process of purchasing my very first home and im being told this account that doesnt belong to me is stopping me from being approved. im requesting this account be deleted immediately from my credit reports so i can purchase my home for my kids. thanks for your time.
01/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 146XX
Web
RE : XXXX " I reviewed my credit report and I see data being reported about me from Firstpoint Collection Resources XXXX I never gave Firstpoint Collection Resources permission to receive my data nor to furnish it to consumer reporting agencies. Please remove this information immediately. '' I don't understand why you all would close the complaint instead of asking for the information you needed. I never gave you permission to even have my data nor report anything about me. This is a violation of my privacy and impermissible purpose. Please do not close this complaint as you are required to have a contract directly from me saying that I consented to you reporting my consumer information.
03/14/2022 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28348
Web
I wrote a letter to Firstpoint Collection Resources about a medical bill requesting a detailed/itemized of the bill they say I owe them {$1200.00} in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX sent me an invoice, but there was nothing about what I was being billed. XX/XX/XXXX, I sent them letter requesting the detailed/itemized bill again. XX/XX/XXXX, I sent Firstpoint Collection Resources another letter demanding they prove the debt. Again they sent me an invoice {$1200.00}, no bill, no detailed information. I want this information removed from my credit report. I have spent months trying to get what they are billing me for. This company is violating the Fair Credit Reporting Act.
07/19/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27617
Web
The company named Frist Point Collection Resources Inc has put a collection on my XXXX credit report for the amount of {$58.00}. However the account listed is in breach of FCRA guidelines and there for must be removed off my credit report upon being notified. The violations are as follows : *Ignoring an investigation request on XX/XX/XXXX, and again on XX/XX/XXXX through the XXXX dispute process *Willfully reporting false information after being notified of reporting error. Errors that are currently reporting : Date Assigned is inaccurate, Status date, Date of first delinquency, Balance date * Have not received a letter notifying me of my legal right of dispute within 30 days
07/07/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28278
Web
FIRSTPOINT COLL RESO Ive settled this account in full over a year ago XX/XX/22. Ive tried to contact this agency several times with no answer. Why is this still reporting on my XXXX credit report? This should have been removed within 30-45 days after payment was made or received. Even on the report it says the count was paid in full however, its still reporting negatively and inaccurately as a collection account as active but paid off? Please remove this from my XXXX credit report immediately. I have tried to contact the company countless times with no answer at XXXX Ive also reached out for an explanation via mail and still no response or answer over a YEAR!!!!!!
10/01/2018 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NC
  • 27513
Web
I noticed that First Point Collection Resources has posted private medical information to my credit report without my consent, which now has been viewed by multiple parties I did not want to share this information with which has been to my detriment. I didn't even believe it was my medical record, but they recently sent me correspondence showing an itemized bill that was mine ( which was also shared with CFPB ). I am shocked that this was shared with all inquiring creditors since the date it was added to my credit reports. This is a violation of my HIPPA rights, and I ask that this be immediately removed from my credit report before anyone else comes across it.
11/13/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • XXXXX
Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00}
03/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28216
Web
I have no clue what this debt is or who the creditor even is. This is not my debt, I have never saw this debt before. I have tried over and over to contact this company, dispute this debt, asked for clarification of this debt, and done everything that I can do to prove that this is not my debt however month after month there is no true and proper investigation. There is no response given to me that proves this is my debt, there is no description of what this debt even is. It says XXXX on my credit report. And this debt has been removed from my XXXX Credit report however it is still there on my XXXX. This is not my debt and I have no idea where it came from.
07/12/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28208
Web
Please be advised I have requested validation and " verification '' of 5 items reported by FirstPoint Collections Resources for XXXX XXXX. FirstPoint Collections Resources did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I will proceed with legal action as prescribed by law against the above named original account holder and collection agency should these items 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 reporting this violation.
12/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • NC
  • 27520
Web
Sent a debt validation letter to a company by the name of FirstPoint Coll Resources Inc Consumer Contact Center to the address listed on my XXXX credit report which was pulled XX/XX/2020. The letter was mailed certified on XX/XX/2020 by USPS. The tracking updated on XX/XX/2020 at XXXX XXXX Forward Expired XXXX, VA XXXX. " Your item was returned to the sender at XXXX XXXX on XX/XX/2020 in XXXX, VA XXXX because the forwarding order for this address is no longer valid. '' I have collection accounts showing on my XXXX that I never received letters about and I am unable to verify with the company because the address listed on my credit report is not accurate.
10/20/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OK
  • 741XX
Web
I received a copy of my credit report and found the following item to be incorrect. I did go to the hospital and get this service. However i had insurance to cover the entire bill gave them the card as well. I provided my insurance card but somehow my credit report showing a collection from this account. They didn't properly handle my payment with the insurance card and made a huge mistake which is hindering my credit worthiness. I still have this same insurance as of today. They didn't bill the insurance company at all. I know i do not owe nothing because my insurance covers 100 % of everything medical. I never received any information about the debt.
09/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27545
Web
Recently a collection has appeared on my XXXX report from a group named FIRSTPOINT COLL RESOURCES INC. I have NEVER been contacted by this group nor have they provided me ANY proof of any bill owed to " XXXX XXXX ''. As such this is a 100 % illegal and fraudulent collection. By law, they must contact me and provide proof. As they have violated the FCRA, I feel they should be fined, censured, or both. I have contacted XXXX to have this removed. If they do not do what is legally or ethically correct, I will also file a complaint against them as well. Companies can not do whatever they want to with no regard for the law. This is what has happened here.
06/26/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27527
Web
I had a balance of {$130.00} with my primary care physician. I paid this amount through my XXXX account on XX/XX/XXXX and the check was mailed to the address listed in the doctor 's bill. On XX/XX/XXXX I received a bill collector 's notice for this bill. I emailed the collection agency my supporting documentation showing that I paid the bill. The bill collector at the time was XXXX. I received email confirmation from the bill collector that the balance of {$130.00} was satisfied. Today, XX/XX/XXXX I received a call from Mrs. XXXX with First Point Resources asking for payment about the same bill. I emailed Mrs. XXXX all of the necessary documents
03/14/2022 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
  • NC
  • 27526
Web
Firstpoint Collection Resources Inc XXXX XXXX XXXX XXXX, NC XXXX The above company sent 7 unpaid bills to my credit report without sending the bills to me. I was under the impression that these bills were sent in as claims to my insurance company ( XXXX ) for payment. I contacted the original creditor and learned that these bills were submitted to a CLEARING HOUSE for potential payment and denied. The bills were not sent in as claims to my provider and this was verified with XXXX. 1. XX/XX/2022 {$40.00} 2. XX/XX/2022 {$140.00} 3. XX/XX/2022 {$40.00} 4. XX/XX/2022 {$40.00} 5. XX/XX/2022 {$110.00} 6. XX/XX/2022 {$40.00} 7. XX/XX/2022 {$4400.00}
11/20/2022 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27612
Web
Good Day, Thank you for allowing me to file a complaint against this company regarding this matter. I have requested this company, FIRST POINT COLLECTION RESOURCES, INC. to immediately stop reporting this alleged medical debt. I have requested complete verification and validation along with a signed contract between FIRST POINT COLLECTION RESOURCES, INC, and myself that would authorize this company to gain access to my personal medical data, as they have not, this is a violation of my HIPPA protected data. They have not provided me with this and are violating my rights and engaging in character assassination. Thank you for your assistance.
12/01/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92592
Web
XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) rendered services for a procedure I had in XX/XX/2023, I spoke with a representative and told them I had insurance at the time through XXXX XXXX and advised them to bill for these services. Next thing I know, I'm receiving a collections notice from First Point Collection Resources indicating the full amount owed as though the insurance was never billed as they were to have initiated. This is causing undue stress as this debt should have been billed and covered by my insurance and will now possibly negatively affect my credit because of XXXX XXXX XXXX XXXX XXXX incompetence for billing appropriately.
02/07/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • VA
  • XXXXX
Web Servicemember
I was reviewing my XXXX credit report and noticed a collection account for some company called Firstpoint Collection. I never received any written correspondence from them alledging I owe this debt of {$40.00}. Never received any documentation that I had right to validate the debt. FirstPoint Collections Resources did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am demanding them remove this from my account until the debt is properly validated. This company has over 100 CFPB complaints for dubious collection activities.
06/13/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30040
Web Servicemember
I just found out there are XXXX new XXXX XXXX on my XXXX credit report from XXXX XXXX XXXX, XXXX that I do not recognize. XXXX collection is for {$390.00}, XXXX is for {$52.00} and XXXX is for {$1400.00}. I never received anything in the mail or got any phone calls about these debts, nor do I have any knowledge of them. I tried to mail a letter to Firstpoint and it got returned back to me. I have called them but can not get a response. So now I have collection accounts showing on my XXXX credit report that I never received letters about and I am unable to verify with the company because the address listed on my credit report is not accurate.
08/01/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27616
Web
There are 3 open collections showing on my credit report form 1st pt. I have never received notification of this debt. There have been no attempts to contact me at my address or phone number. The first knowledge of this debt is XX/XX/XXXX when it popped up on my credit file as 3 new collections in the amounts of {$48.00}, {$100.00} and {$130.00} all from XXXX XXXX XXXX. One of the are passed statute of limitations in the state of North Carolina. Also accounts are from XXXX and I have filed Chapter XXXX XX/XX/XXXX and all accounts were included. These accounts need to be removed from my credit file immediately as they are included in the BK.
07/21/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28311
Web
I was told once I paid my debit for {$52.00} to XXXX XXXX ( XXXX, NC ) it would be removed off of my credit. It has not my receipt was Print Date : [ X/X/17 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Payment Receipt Acct No : XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Thank you for your payment ( XXXX ) of : Post Date : X/X/2017 Location : XXXX XXXX XXXX XXXX Amount Paid : {$52.00} Current Balance : PENDING Discount : {$0.00} Payment Type : Credit Card Confirmation ID : XXXX Credit Card Type : XXXX XXXX Credit Card # : XXXX Approval Code : XXXX This is unacceptable and it 's hindering me from progressing in life
08/13/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 273XX
Web
First Point Collections has been harrassing me for years about medical bills that were COVERED BY MY INSURANCE!!! I used to have this conversation with them often, until I eventually got tired of saying the same thing over and over again. All of my medical bills with this company have been paid through my insurance company. At one time it was XXXX XXXX XXXX, and the other it was XXXX XXXX XXXX XXXX. I have never NOT had coverage, and I know that these are covered expenses, as they have told me they were " lab fees '' These accounts should be removed from my credit report unless they can provide proof that the services were not paid.
05/24/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28376
Web
On XX/XX/2021 I received a response to my XX/XX/2021 debt validation request. In their response was a summary of services rendered including XXXX XXXX XXXX '' " XXXX XXXX XXXX '' " XXXX Services '' " XXXX Function '' " Laboratory-Chemistry, XXXX, XXXX and XXXX ''. I believe that accessing these procedures violates my rights under the HIPAA LAWS as it indicates nature of treatment ( XXXX, XXXX XXXX XXXX and procedures performed ( specifically stating XXXX instead of just stating radiology ). I did not given written or verbal consent for the collection agency to access such specific medically identifying information about me.
11/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29073
Web Servicemember
Firstpoint collection resource, a debt collector on behalf of XXXX XXXX, has prejudicially filed collection accounts for medical billing connected to an ongoing liability claim. I have asked both the medical provider and collection agency to file a lien with my attorney, XXXX XXXX, in XXXX, NC. All medical bills will be paid when the claim is settled. The at fault insurance company has accepted fault for the accident. Please have this credit agency remove the 16 collection accounts from my credit profile and have them file a lien with the attorney so they can be appropriately compensated by the at fault insurance carrier.
11/05/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60637
Web
On XX/XX/2022, FIRSTPOINT COLL RESOURCES INC add a derogatory mark on my credit report per 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 written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA FIRSTPOINT COLL RESOURCES INC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
04/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30127
Web
XXXX has refused to correct the inaccurate information that has caused me to be denied from refinancing my home with XXXX & obtaining a personal loan with XXXX XXXX XXXX XXXX. I have sent numerous dated certified letters to XXXX as well as FirstPoint Collections Resources Inc. ( who is the debt collection company ) that placed this inaccurate statement on my report. These two entities have reluctantly taken over 45 days to respond to me as well as provide any verification that a debt is owed especially since this is considered a medical debt and now refuse to investigate and respond back to me regarding this matter.
01/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28546
Web
FirstPoint Collection Resources has failed to Delete the account reporting inaccurate and invalid debt information and balances on my XXXX credit report. I have not done any business with this company. This company is not the original creditor and this company does not have a contract bearing my signature. I do not owe FirstPoint Collection Resources. I have requested permanent deletion via numerous letters sent to FirstPoint Collection Resources and I feel that my rights are being ignored and I am being taken advantage of because I have never had a contract with this company and the data reporting is not correct.
03/02/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 323XX
Web
I have Creditor listed as XXXX XXXX XXXX of XXXX Florida on a letter from a debt collector ( XXXX XXXX at FirstPoint Collection Resources , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX of XXXX are claiming that I owe them and have not listed the reason for this debt. They assigned this account number to me XXXX with FirstPoint Debt Collectors without any reason. I never called XXXX XXXX and when I try contacting First Point they just told me I had to pay for services I did not use. They charged me for {$990.00} and could not produce any evidence that I used their services
05/03/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85027
Web
I was contacted by First point Collection regarding a matter they wouldn't say all though I told them I was XXXX XXXX and they called me. If this has anything to do with my credit I have the right to know since I did not do any business with this business. The agent was very rude even tho I expressed concern regarding this matter. I do not honor anything they have in there office because this is fraud and if my social is involved it will cause me harm that I do not accept. does this company have my wet signature I believe not since I have no dealings with this company. all right reserved XXXX XXXX XXXX
12/03/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28677
Web
Upon discovery after viewing my consumer report I see that CEO XXXX XXXX & FirstPoint Collection Resources , Inc. is reporting two alleged debt ( s ) onto my consumer report. I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding that XXXX XXXX send me verification - ( sworn under oath 28 USC 1746 ) of both alleged account ( s ) pursuant to 15 USC 1692g ( b ). I am also demanding FirstPoint Collection Resources , Inc cease all collection & communication activity through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c )
03/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 282XX
Web
first collection resources is attempting to collect alleged debts owed on behalf of XXXX XXXX. XXXX XXXX has informed me that a third party was used to gather my personal information. no transactions between me and XXXX XXXX ever occurred. no transactions between me and first collections ever occurred.no transactions from me and XXXX XXXX ever occurred. The policy was written by XXXX XXXX, underwrritten by XXXX XXXX XXXX. By XXXX XXXX own admission they used a third party ( XXXX XXXX ) to collect my information and now is using a fourth party ( first collections ) to attempt to collect a debt.
04/08/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28208
Web
On XX/XX/2019 I sent a letter requesting verification of the debt that was owed. I also requested verification stating that I allowed them to obtain my medical information. It has been more than 60 days and I have not received any correspondence back. Per the FCRA the creditor had 30 days to submit verification of the debt which they failed to do because I do not have a contract with this creditor. The creditor has no contract with MY SIGNATURE on It that shows verification or permission from me to allow my information to be shared. Due to them not being the original creditor, no money is owed
04/30/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28540
Web
Recently, Firstpoint Collections reported eleven separate medical collections on my credit report. Prior to their appearance, I was not provided with a 30-day notice of my right to dispute. By reporting these collections without giving me the chance to contest them, is a violation of my rights. Additionally, I was requested a verification of debt on each of the eleven collection accounts from Firstpoint Collections. The requests were made by phone and by postal-mail over 30 days ago. Requests for those verifications have also gone ignored, which is also a violation of my rights.
02/21/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27610
Web
On XX/XX/2021 I sent Firspoint Collection a debt validation letter pursuant to 15 USC 1692g. I requested that they send me the requested information within 30 days from receipt of letter. The letter was delivered XX/XX/2021 ( proof attached ). It has been 30 days and I have not received any information requested to validate this alleged account. Since they have not provided me with any information to validate this alleged account I am demanding that they immediately XXXX out the balance on this alleged account and delete this alleged account from all consumer credit reports.
08/04/2017 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AL
  • 364XX
Web
On X/X/2017 at XXXX and XXXX, a representative, 'XXXX. XXXX ', with FirstPoint Resources disclosed nonpublic personal information regarding a debt of mine without verifying who she was speaking with. On both phone calls, the representative disclosed my name, address, amount of debt, and original debtor without verifying who she was disclosing that information too. Luckily for me, I was the one on the other end of the phone call in both situations ; however, that information could easily be in the hands of someone else for identify theft purposes now which is a major concern.
08/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27587
Web
This complaint is for FIRSTPOINT COLL RESO, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
12/23/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • XXXXX
Web
I was in a car accident XX/XX/2016 and I have been fighting the other person 's insurance for over 3 years. I finally got everything settled with my lawyer 's help.My lawyer settled with the hospital for {$500.00} and the check was cashed. A binding agreement was also attached stating that I should no longer be contacted for the balance once the check was cashed and also per NC Debt Collections laws state that I can not be billed after 3 years because of statue of limitations. The amount of {$1700.00} has been placed on my credit and I want to get it removed.
06/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NC
  • 278XX
Web Servicemember
There is a XXXX XXXX XXXX that is very old. We have tried to get that off of XXXX, XXXX and XXXX. It keeps staying. It says it is past due. It should be off of the Credit report. This is {$460.00}. We need this off. It is from XXXX. Also, It is bringing the score down. We tried to get a lower interest rate, but XXXX keeps this on there. There is also a Collections from First Point Collection from XXXX. We have tried to get this off, because we never received a bill from XXXX. First Point Collections keeps that on there. It is not ours. This is {$180.00}.
01/24/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 954XX
Web
Hello, My name is XXXX XXXX. I have over {$7000.00} in debt due to visiting the ER when I was homeless. I was just XXXX and I didn't know how to protect my credit except to not apply for cards I didn't need. Well I was informed by adults that if I visited the ER that it wouldn't go on my credit. Well here we are. I have been paying off the debt that I owe for months ( {$100.00} ) each month since the start of last year. I am sure I have paid off more than 2 of the credit debts. I want them off my credit because at this point my credit just keeps going down.
04/29/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 756XX
Web
My husband received a call that we have been turned over to a collection agency for a medical debt that occurred in 2013. He asked for a statement and told the collection agency that we would be happy to pay as long as we received a statement to verify the debt. He was told they did not have to provide a statement and this would be reported on his credit report. I in turn called them and attempted to have them send me a copy of the debt we reportedly owed but they refused. I have not received any written communication from the collector only a phone call.
09/19/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27513
Web
I found out there was a medical collection ( account XXXX for {$56.00} from XX/XX/2015 ) from Firstpoint Coll Resources, INC on my XXXX credit report that I do not recognize. I opened a dispute with XXXX said they reported that the account belonged to me, but I do not know what it is or what it is for, and I still have not been able to get a response from Firstpoint Coll Resources after leaving multiple voice mails. I have attached the relevant snippets as supporting documentation. I can be reached at XXXX or at ( XXXX ) XXXX. Thank you in advance, XXXX
12/05/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27332
Web
First point collection is reporting two accounts on my XXXX credit report. Pursuant to 15 U.S Code 6802 States that a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any personal information. First point collection is the third party and is in direct violation of this code. This type of reporting is also violating my right to privacy. Privacy Act 1974, First point collection never disclosed to me that I could opt out but assumed I opt in to this negative reporting, THAT IS INFACT IDENTITY THEFT.
11/18/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28273
Web
First Point Collection agency has yet to respond to my validation request. I have sent numerous of debt validation letters to them. When I called they explained that the letter sent said cease collection activity. The letter stated for them to cease collection activity with the consumer reporting agencies. The representative stated that they did receive the letters but would have to ask to send validation documents which I thought was strange. This company continues to report inaccurate data on my credit reports and ignoring my validation request!
07/04/2017 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 283XX
Web
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1600.00} on my XXXX credit reporting agencie. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt which is in violation of FCRA and HIPPA " NO CONTRACT WITH ALLEGED DEBT ''
07/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Confusing or misleading advertising or marketing
  • NC
  • 28027
Web
I paid off my collection at First Point Collections in XXXX North Carolina in XXXX of 2020, shortly after I found out it existed. Only to find out a year later it is still on my credit as paid and not deleted. I have called several times and have been told that the manger is on vacation and only he can delete these items. When the manager returned my items still havent been deleted. I have been given the run around over and over again. I did my part by paying my debt I just want them to do there part and have it deleted from my credit report.
05/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 20152
Web
I have not knowledge that i owned this amoun to them, or it's mine fully proof that this is mine and remove it form report immediately. Collection Agency FIRSTPOINT COLL RESOURCES INC Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$110.00} Amount {$0.00} Status Date XXXX XXXX, XXXX Status PAID Balance Date XXXX XXXX, XXXX Account XXXX XXXX XXXX Account Number # # # # # # XXXX XXXX XXXX XXXX Last Payment Date XX/XX/XXXX Date of First Delinquency XXXX XXXX, XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION
04/13/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 233XX
Web Servicemember
I asked First Point to verify an alleged debt that they claim I owe to XXXX XXXX XXXX or remove it from the credit bureaus. They only sent me a copy of a bill. That's all they could send because they don't have any verification. They don't have any verification because I don't owe XXXX XXXX XXXX ANYTHING! This is ridiculous. This company clearly buys ALLEGED debts from companies not knowing if a person really owes that company. They just want to collect and make a profit from their purchase. They sent a copy of a BILL as verification. Wow.
09/11/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33018
Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
11/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33186
Web Servicemember
My name is XXXX XXXX. I have a problem with a collection agency called Firstpoint Collection that is reporting I owe them a debt for XXXX XXXX however, I have tried multiple times to have them send me the actual contract agreement that I signed that I owe a debt to them in that amount and they have not been able to provide that, I also mention to remove it from all XXXX credit bureaus since they cant provide that contract and no success as a XXXX XXXX of the XXXX I feel this is wrong and I need it fixed please is hurting my credit.
10/03/2017 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NC
  • 27401
Web
Company: First Point Collection resourcesOriginal creditor: XXXX XXXX XXXX XXXXEveryday I receive 2-3 calls about "debt owed". I have nicely asked them to stop calling and the calls have not stopped.The calls started in XX/XX/2016an continue until present. I never authorized XXXX XXXX to release my account to a 3rd party which is violation of hippa. REMOVE MY ACCOUNTS FROM YOUR SYSTEM.The following amounts are being requested: XXXX, XXXX, XXXX. REMOVE THESE ACCOUNTS I NEVER AUTHORIZED FOR A THIRD PARTY TO HAVE MY ACCOUNT INFORMATION!
11/28/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27527
Web
A collection agency named FirstPoint just reported a {$490.00} medical bill on my credit report. According to the Fair Debt Collection Practices Act, they were supposed to provide me with a 30-day notice to dispute, prior to reporting it on my credit file. If did not receive this notice. This bill just showed up on my report out of the blue. If I had received notice of this bill, I would have contested it, because I have health insurance, and I am sure it had to be a mistake. However, I was never given the opportunity to do so.
03/17/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • XXXXX
Web
I am writing to delete the following information. I am a victim of identity theft and did not accumulate the amount of {$1200.00} in electricity bills. XXXX XXXX XXXX has turned this debt over to First point collections resolutions to resolve this matter. I ask that this item be deleted to correct my credit report. I reported the theft to my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
02/08/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10303
Web
Around the end of XXXX a collection debt of {$1300.00} was sent to my report by XXXX XXXX XXXX. I have credit monitoring and locks on all three credit bureaus and get notifications for everything. The account was opened in XX/XX/2022 and lasted XXXX months. I disputed the fraud immediately and I got my results back XX/XX/XXXX. My dispute was denied. I put another one in immediately and called XXXX XXXX XXXX right after to put in a dispute with their fraud department. Than began making ftc reports and cfpb complaints.
02/04/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33023
Web
I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with FIRST POINT COLL company I believe the original creditor XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
10/05/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 20854
Web
These debt collectors are calling pertaining a bill from XXXX hospital that I have spoken to them and explained that the bill XXXX that I had back in 2014. I told them that I was filing the State Compensation, XXXX, I should not be held liable to pay this money. First Point Collections has been calling me incessantly on my cell phone, and now today they called me on my work line. I never gave them consent to call me on my work phone number and I do not appreciate such calls harrassing me about payment XXXX.
08/25/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33179
Web
On XX/XX/2021, I sent a letter to First Point Collections after seeing an account they are reporting on my credit report. I never received a dunning letter from them in the first place. I sent them a certified letter requesting legal documents about this alleged debt they are reporting on my reports, but they ignored my letter and never replied. I am not liable for this alleged debt and they have not provided the documents I asked. I demand that they delete this account from my credit report immediately.
02/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 24502
Web
I filed a dispute with XXXX about an account from XXXX XXXX XXXX that got sent to collections. XXXX XXXX XXXX was the collection agency. The dispute was filed on XX/XX/2022 the file number is XXXX. I paid the collection agency on XX/XX/2022 and a representative said they were going to report to the credit agency on Friday XX/XX/2022 and they didnt so I filed a dispute. XXXX said that I didnt pay the collections agency so they were keeping it as the debt was never paid, I have proof of payment.
08/05/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NC
  • 272XX
Web
Tried to get money for a doctor visit in XXXX of 2013. A week after my visit the practice dissolved. I never received a invoice seeking any payment for three years. First Point Debt Collections called me to inform me of debt. They have no paper work and could not tell me who got the money when I paid bill. If practice out of business who filled collections after three years and who are they going to give the payment to .They could not, and would not answer any questions. Got ill for me asking.
04/17/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28403
Web
I called FirstPoint Collection Resource spoke with Mrs. XXXX and paid the collection on XXXX for {$120.00}. She told me that this would be removed from my credit within 30-45 days. As of XXXX is has not been removed. I have spoke with her multiple times with the same response, that she has sent to supervisor for removal. I would like to request that they comply with the removal that I was told via a recorded line with a automated universal data form to XXXX for paid for deletion immediately.
05/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27610
Web
Pursuant 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 168 1B2. company also no permission to report ANYTHING using my pursuant 15 USC 16814. In accordance with the fair credit reporting act convergent account # 12345, has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instrctions
08/26/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28269
Web
This debt originated in XX/XX/XXXX I was a victim of ID Theft in XX/XX/XXXX in which I submitted the police report to the 1st Point Collection Company as well as a recent report of someone trying to use my ID to purchase items in my name online in which I also disputed and the remark was removed. 1st Point refuses to remove the deragatory remark from my report acknowledging that I am responsible for the debt owed. I tried resolving this problem multiple times before with this company.
04/16/2022 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92028
Web
I received a letter that said that I owe {$29.00} dollars to general insurance. I paid the full amount of my debt. I get car insurance trough a brooker ( XXXX XXXX ) they are the one that switch my car insurance, the same day I switch insurance trough freeway, my debt was paid and set up another account. I always paid XXXX XXXX XXXX, and was not able to pay to general insurance directly and was not able to do any changes to my account directly. XXXX XXXX was responsable for any debt.
08/26/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28269
Web
This debt originated in XX/XX/XXXXI was a victim of ID Theft in XX/XX/XXXX in which I submitted the police report to the 1st Point Collection Company as well as a recent report of someone trying to use my ID to purchase items in my name online in which I also disputed and the remark was removed. 1st Point refuses to remove the deragatory remark from my report acknowledging that I am responsible for the debt owed. I tried resolving this problem multiple times before with this company.
08/30/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28217
Web
Company has not validated this debt. I have been communicating with this company about this account for months now and all I have received is the same print out statements. I requested validation docs for personal information, signature of services rendered and contracts of any kind giving them the right to take payment from me and they have failed to send me all of this! This account keeps getting verified with the credit bureaus and I'm not understanding how this keeps happening.
08/28/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NC
  • 27704
Web
I do not know who FIRSTPOINT COLL RESOURCES INC nor how they got my information. I never gave them my consent to contact me. They've created an account in my name and using my identity. It is harming my consumer report and defaming my character. Furthermore, I've asked FIRSTPOINT COLL RESOURCES INC to remove this alleged debt but they refuse to do so. At this point, I've been injured and my consumer report have suffered severely. It's causing emotional distress and frustration.
10/22/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28269
Web
XX/XX/2019 I was contacted back by 1st Point Collection Agency concerning Complaint # XXXX which outlined to send more info which was last 4 of ssn. On XX/XX/XXXX I mailed copy of my ssn and NC State ID to 1st Point Collection Agency. As of XX/XX/XXXX I have not had any contact with the collection agency. I contacted Consumer Financial Protection Bureau and was advised to start another complaint concerning that 1st Collection Agency has not responded to my previous complaint.
10/06/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28208
Web
Firstpoint Collections is trying to collect on medical debts that were a result of medical fraud/identity theft. I have disputed the debt with credit bureaus but Firstpoint continues to verify when all they can really do is validate. the debt ca n't be properly validated because it 's a result of fraud. I have sent the necessary paperwork and have submitted the original police report but still no resolve. I 'm filing this complaint as non compliance under the FDCPA and FCRA
10/09/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • FL
  • 33707
Web
First Point Collections Resources, Inc contacted me in XXXX 2015 regarding a debt I fully dispute. I notified them in writing on XXXX XXXX, 2015 that I disputed the debt, that I would never under any circumstances pay the debt, and to never contact me again. Since that debt First Point has made repeated telephone calls to my home regarding this debt, including one tonight ( XX/XX/XXXX ) at XXXX. These constant phone calls are harassment, and I want them to stop immediately.
01/27/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 335XX
Web
I am, XXXX XXXX, submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, a natural living person and original creditor was sent a letter from FIRSTPOINT COLLECTION RESOURCES INC, to pay a alleged debt of {$110.00} ( Exhibit A ) which according to the FAIR DEBT COLLECTION PRACTICES ( FDCP ) is a violation of 15 usc 1692f ( I ) & 12 CFR 10006.18 ( 2 ) ( i ). FIRSTPOINT COLLECTION RESOURCES INC is now civilly liable to pay for damages.
01/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27529
Web
I have been trying to get verification of these debts since XX/XX/2020 with no success. I sent each company letters and disputed with the credit bureau for unverified accounts, but each time the information was returned as being verified. I sent two letters to XXXX and one to First Point. The first point sent a letter back saying they had nothing on file for me, but wanted me to send in paperwork with my name, SSN, Date of Birth, and have it notarized by a notary.
01/08/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35805
Web
I recently paid this collection off in full, they told me they don't pay to delete they only update the account as " PAID IN FULL '' and they still have not updated my account at all, the ORIGINAL account is from XXXX XXXX. this account is hurting my credit score very badly to where i can't get any credit cards. I have multiple phone recordings of all conversations about how the account was gon na be updated to " PAID IN FULL ''. I need this account updated ASAP.
08/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IA
  • 52317
Web
i have been harassed via phone calls by debt collectors like firstpoint collections saying i owe {$1400.00} & XXXX, a {$10000.00} credit card from XXXXXXXX XXXX {$680.00} from XXXX XXXX and an auto loan from XXXX that i'm not aware of. I have asked these companies to stop calling me and to remove these items off my report after disputing them in 2022. I have been denied credit and can't move on in my career with these items being reported on my name
03/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 233XX
Web Servicemember
I have tried to contact First Point Collections directly about this issue. They have placed my account in collections in regards to an alleged debt that I DO NOT owe. This collection is showing on my credit profile and is tarnishing my credit worthiness. This company has yet to show proper validation proving that I owe this erroneous debt. First Point Collections are absolutely horrible. They don't even attempt to follow proper validation measures.
02/07/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 352XX
Web
This company continues to call but never lists any information beyond " an attempt to collect a debt ''. I do not wish to call and give my personal information as this may be a scam. I recently received a call from someone named " XXXX XXXX '' who will be attempting to " serve '' me papers at both my home and work address. My concern is no correspondences have been mailed to any physical address but now I am being threatened with court documents.
11/03/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28412
Web
First Point Resources contacted me concerning a medical debt from XXXX XXXX XXXX. My visit to XXXX XXXX ended because of XXXX XXXX XXXX forcing me to drive 2 hours to another medical facility to recieve care. I have disputed this account on 20 different occasions. The provider is attempting to use a Collection Agency to extort money I do not owe. Further more the collection agency is attempting to bill me for another patients care XXXX XXXX.
12/12/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 285XX
Web
XX/XX/XXXX *violation patient privacy by discussing medical information in front of other patients *violating my rights under the no surprise act XXXX *shared private health information to debt collector without hippa release form *starting since XX/XX/XXXX, I have been harassed by the collection agency with constant phone calls *debt collector information- Agency FIRSTPOINT COLL RESOURCES INC XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27704
Web
Firstpoint collections resolution open XX/XX/XXXX On my XXXX an this shouldnt be not on my XXXX aslo there another XXXX firstpoint collection open XX/XX/XXXX that was open for collection for XXXX have no knowledge of these item I lost my wallet maybe someone used it I dont know but these are wrong on my XXXX report none of this is on my XXXX Im asking to please remove these items please I dispute the items nothing so may time frustrated
04/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19139
Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 Section 604.A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
04/08/2015 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34689
Web Servicemember
This debt company under the name First Point, they are trying to collect from me the amount of {$75.00} from the XXXX XXXX XXXX with the Patient account number XXXX. This was paid in a full total amount of {$210.00} as a co-payment with the check number XXXX and not a down payment before the admission for the XXXX and the insurance medical company covered the rest, There was no extra balance pending to pay. Paid in an Full Amount.
10/23/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28314
Web
After numerous attempts to try and delete these fraudulent accounts from my credit reports I still haven't received verification of these accounts that aren't mine, the credit bureaus and the company who has added these fraudulent accounts have refused to investigate under my Fair Credit Reporting Act. The collection agency and the accounts are as follows : FIRST POINT COLL RESOURCES INC. ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX
01/12/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27405
Web
Debt collection agency contacted XXXX XXXX and obtained an itemized bill which is against XXXX, they also could not provide a copy of my signature giving permission to release my information to third parties or any piece of evidence that tied me to the debt other than my name after sending them certified mail requesting breakdown of fees as well as signature. I will be sending another letter as well as proceeding with legal action.
06/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92109
Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and and consumer credit plan as late for any purpose
02/18/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28146
Web
On XX/XX/2020 I wrote FirstPoint Coll Resources INC or at least attempted to via mail. Unfortunately, the letter was returned to me. This address was listed as their contact information on my credit report. According to the FCRA companies furnishing data are ONLY to report accurate information. This is a clear violation of FCRA section 623 and now I demand the deletion of this account from my credit report immediately.
06/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28625
Web
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. FirstPoint Collection Resources , Inc. has been notified via certified mail to show validation of debt along with an audit trail which they failed to provide. FirstPoint Collection Resources , Inc. has also reported an alleged debt to XXXX, XXXX and XXXX which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).
05/07/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30331
Web
this company is reporting an unknown debt on my XXXX credit report. I have sent them several notices and I have been ignored. Also my XXXX credit report does not list a report or reference number for this account. It appears to be a hospital bill- I have not step foot in a hospital/emergency room in almost 10 years. I have health insurance and XXXX also has a copy of my police report for ID THEFT ON FILE
02/10/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92028
Web Older American
XXXX called from XXXX First Point Credit Collection and stated i owed over {$400.00} to XXXX XXXX XXXX For a XXXX XXXX i have not had. She said it was for invoice XXXX on XX/XX/2018. I find scammer information about this that is very similar. I contacted First Point credit and they have no record of debt. They are receiving numerous calls about similar issues. Also XXXX XXXX XXXX is out of business.
08/08/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 275XX
Web
First point Collection Resources , Inc. is trying to send me to collection for around {$400.00} owed to XXXXXXXX XXXX XXXX. I will not allow them to damage my name when I had already stopped using and canceled the insurance but their charging me for the date XX/XX/2023 when I already have another insurance and have documents of that other insurance so their is no need for having 2 car insurance at a time.
07/08/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27127
Web
I satisfied this debt to the original company XXXX XXXX about 3 years ago. I switched carrier and do not owe this company or First Point Collection agency. This debt has not been verfied by either company and needs to be deleted. I sent certified mail to the collection agency via usps and have not heard a thing. This debt needs to be deleted from my XXXX credit file ASAP. This is fraudulent.
07/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19121
Web
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
03/29/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27610
Web
This is in response to previous complaint # XXXX. First Point Collection Resources is in violation of several consumer rights under 15 USC 1692. I have attached the previous complaint with proof of each violation violated. I am demanding that they XXXX the balance on this account, delete it immediately from all consumer reports, as well as pay the attached invoice for each violation they violated.
11/24/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28314
Web
The person who is responsible for the debt is not at this number. The debt collectors call almost everyday ; it is a robocall. They even say if the person is intended is not the person they are trying to reach is not the intended person, to not listen to the call. Nevertheless, they make the same call ALMOST EVERY DAY. I need them to STOP!!! These calls have been going on for more than six months.
08/23/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • GA
  • 30180
Web
FirstPoint is attempting to collect a debt that I have no knowledge of or have ever done business with. They claim they have all of my information including my private social security and will do what they please with it. Per the FDCPA, they do not have my express consent and they are using deceptive means by forcing a debt on my that I never heard of nor have I gave them my authorized signature.
01/11/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27405
Web
Hello, So there are two debt amounts that they are claiming are from 2021 which I have no knowledge of and I never received any notices or statements from them. I have already sent them a letter through certified mail from my attorney stating that I wanted a debt validation as well as it removed from credit report. It also violates my HIPAA rights for them to sell any of my personal information.
09/17/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29360
Web
I have contacted this companies regarding the debt that was for validation of debt. 1stpt I contacted this company on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 by mail via XXXX, XXXX, and XXXX. This company failed to validate my requests. The company have deleted the debt from XXXX but failed to delete the debt from XXXX and XXXX. I have threatened to pursue legal actions at this point.
12/14/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20744
Web
On XX/XX/2020 an account opened from First Point Collections with an original creditor as XXXX on my XXXX XXXX account for an amount of {$140.00}. As an attempt to figure out where this debt came from I tried searching for the companies address and contact information. After multiple failed attempts via mail, email, and dead end phone calls Ive now decided to reach out for further assistance
11/02/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27513
Web
I didn't know about a debt when applying for a loan. I found First Point Collections had filed a past-due medical collection. Once they verified it was mine, I told them I would be happy to pay it, but I wanted the entry removed from my credit reports. They said the most they would do is mark it as paid but not remove it. I would like to pay this bill, then have it removed from my credit.
02/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 294XX
Web Older American
I have never gone to XXXX XXXX XXXX XXXX XXXXXXXX, I have contacted XXXX XXXX several times and they find the account or show me were I have been there. I have filed a police report and files small claims against XXXX XXXX and firstpoint collect resources inc for report fraudulent account to my credit file with knowledge this wasn't my account. I live in XXXX South Carolina not NC
05/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27253
Web
I have no idea who this is or even how to contact and can not find away to dispute this because it is not on my credit report! I have been trying hard to correct and get my credit on track and this shows up! Alert Date : XX/XX/2019 Source : XXXX Company : Firstpoint Coll.Resources Inc. Activity : Unpaid Balance : {$400.00} I have not even seen this in the mail? Please help!
11/30/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 23434
Web
I am XXXX XXXX and im submitting the complaint myself and there is no third party involve. Pursue to XXXX XXXX XXXX b i did not give permissible purpose to place anything on my consumer report without my acknowledgement. This debt has not been validated and the company assumed that this debt is owed. I had no acknowledgement of these accounts until I reviewed my credit report.
07/25/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 278XX
Web
XX/XX/2019 I received a letter from First Point Collection saying I owed a debt in the amount of {$590.00}. I responded a week later asking them to validate the debt in form of original bill or detailed statement of procedures. In response they wrote back and said the debt was valid without providing me the documents for validation. XX/XX/XXXX it was added to my credit report.
09/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60636
Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices
08/26/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • LA
  • 70805
Web
Firstpoint collection resources is reporting an collection the credit report for an original account with XXXX XXXX XXXX XXXX. I spoke to Ms. XXXX XXXX on XX/XX/19 with XXXX collection department who stated that she is unaware of this company and what they are collecting on. I am asking for a removal from my report and has mailed a validation request to Firstpoint.
12/22/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92058
Web
First point is reporting information regarding a debt that does not belong to me on my credit report. I have contacted them to let them know about this fraudulent activity and they have not removed it. I have requested proof of signed contract or picture ID shown at time of service. And have not received anything. I want this fraudulent account removed immediately.
03/24/2020 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • XXXXX
Web
I have told FirstPoint to not contact me and XX/XX/2020 at XXXX XXXX and I was threatened to have legal action taken against me and to have any place I work or relatives called and harassed. I told FirstPoint that this debt came from XXXX XXXX and XXXX and I had a cease and desist order for them not to harassed me and I the rep said we will call you when we want.
01/15/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32003
Web Servicemember
FIRSTPOINT COLLECTION AGENCY VIOLATED HIPPA LAWS AND THE FCRA, CFPB AND FTC GUIDELINES, GOT MY MEDICAL INFO WITHOUT MY CONSENT AND NEVER RESPONDED BACK TO MY DISPUTE LETTER I SENT TO THEM ABOUT A DEBT THAT I DON'T OWE. THIS DEBT IS FRAUDULANT. I DON'T KNOW WHO THIS AGENCY IS, NEVER HEARD OF THEM AND NEVER AUTHORIZED THIS AGENCY TO PULL MY MEDICAL INFORMATION.
03/13/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 20743
Web
I contacted this company in the month of XXXX. I spoke with one of the debt agents regarding the debt that appeared on my credit report just this year. I asked if she could send the information regarding the debt through mail and she stated that they cant send any letters through mail or email regarding the debt and I would not be receiving a letter.
08/07/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27519
Web
On XX/XX/2019 I seen an entry under my credit file under Firstpoint Coll Resources Inc for a collection for {$56.00} for XXXX XXXX XXXX. I have not received any notice from this company saying that I have the right to dispute this debt nor do I owe this debt. This company has violated the FCRA as it states that i must revive a notice of collection.
02/14/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19114
Web
Never received notice to dispute. First Point Collection Resources placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
02/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19141
Web
I have sent a dispute letter to the company and they have not complied or sent back any type of information to have this account removed. This account is not even mine and I have no ownership of the collection. The dispute was made against XXXX. Alleged debt- Firstpoint Coll Reso Opened on XX/XX/2019 amount {$370.00} Original Creditor XXXX XXXX
01/23/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28144
Web
First Point is reporting XXXX for XXXX XXXX XXXX and XXXX that just notes XXXX XXXX and I have not received any notice of this debt. I also sent a certified letter XX/XX/2021 requesting VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA of the debt being reported and did not receive a response within the allotted timeframe.
04/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 233XX
Web Servicemember
The collection company, First Point Resources, has yet to show proof that I did NOT pay an alleged to debt to XXXX XXXX XXXX. They've only showed a bill. There's nothing to show that I did NOT pay the bill. They just choose to tarnish my credit worthiness without proof and taking the word of their money hungry client XXXX XXXX XXXX.
10/08/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 181XX
Web
I have written several disputes to FIRSTPOINT COLLECTION RESOURCES INC, and they have never responded at all. I have no idea who FIRSTPOINT COLLECTION RESOURCES INC is or why they are on my credit. I have rights! I demand that you help me! They are not allowed to report accounts that are not validated to the consumer! Please help me!
01/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60620
Web
I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report
12/13/2022 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23504
Web
My car insurance was canceled. I told XXXX XXXX I was going with another insurance company and they stated I still owed the money. I told them I didnt owe the money when my insurance got canceled. They tried to force me to keep my car insurance with them. They turned it over to a collection agency who now put it on my credit report
06/02/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28540
Web
About a month ago, I filed a complaint against Firstpoint Collections for reporting eleven new collections on my credit report, without notifying me first ; or giving me the opportunity to answer for them first. They lied to you in their response, and the eleven collection accounts are still illegally reporting on my credit report.
01/07/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 22033
Web
XXXX XXXX XXXX is trying to collect a debt for car insurance for a car that I do not own and never have. I own one car and it has been insured with XXXX for years. I have disputed the debt and they are still trying to collect money from me. The VA DMV can prove that I have never own the car that they allege was insured by me.
06/01/2016 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 287XX
Web
Doctor performed and billed me for unnapproved and unwanted lab work after I was told by him basic lab work would be done at a cost of XXXX dollars. I did not approve any of the lab work I was charged for. I was told only basic labs were being done and told the cost would be XXXX dollars. I was then billed for XXXX dollars.
08/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 953XX
Web
I had an on going automatic payment for my car insurance and my card didn't have enough funds so it got declined but I payed for the first month of my Insurance witch i got but the time that the card didn't go through they cut my Insurance but they still wanted to get paid? How do you charge me if I don't get the service?
10/14/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NC
  • 27405
Web
i have sent now twice the information regarding this account this morning i faxed to XXXX acct # XXXX XXXX ; this account is from idenity theft and i have had issues with this from somepone is this area for quite abit please remove this account asap i am sending the police report and id theft affidavit notarized again.
06/11/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92882
Web
I have no idea who this company is and what they are collecting for. I have never received a letter or phone call for this balance. Per my credit report the original creditor is XXXX and I have never had an account with this company. I have called XXXX and they did an investigation and verified that I have no account.
08/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NC
  • 28213
Web
I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...
03/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07052
Web
Several certified and notarized letters with proof of disputes were sent to Firstpoint Collection Resources and to XXXX. Every time the investigation was done it remains even with proof sent that it does not belong to me. The original contract from the health provider that has someone else 's name and no signature.
05/04/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28376
Web Servicemember
Payments were paid but the hospital billing staff have yet to correct billing g error. All co pays were paid. However when I spoke with XXXX XXXX billing I was told that the payment was showed and issue would be fixed. But they have now forwarded a PAID bill to collections. Bill was paid in full on XX/XX/2019 2019
12/27/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70817
Web
A dispute was done against this company recently about an alleged debt and trying to collect on the debt. According to state and federal law a company has to be licensed in the State of Louisiana to collect any debt or alleged debt. Firstpoint Collection Resources , Inc is not licensed in the state of Louisiana.
06/30/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 735XX
Web
On XX/XX/2021 I sent a letter to this debt collector because I noticed it on my credit report. I ask them to supply information so that I can be fully informed why they think I owe the debt and to who I owe it. On XX/XX/2021 I receive a letter that's says they are unable to make a positive match in their system.
11/26/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11204
Web
I receive this collection on XX/XX/2018, saying that I owed a phone debt in North Carolina ( XXXX XXXX XXXX ) of {$580.00}. Because I am a victim of identity theft, criminals use their own phone and address to receive information, therefore, I haven't received any phone calls or mail saying that I owe this debt.
01/16/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28376
Web
Firstpoint Collections is currently trying to collect on 2 debts that I 'm not responsible for. They are reporting these damaging fraudulent accounts on my credit even after I disputed the fraud and sent the police report. This is very unprofessional and is unethical. i fell my rights are being violated as such.
08/08/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27519
Web
I have reviewed the letter that Frist Point Collection Resources emailed me and that bill is not mine. I first want to start off by saying I do not live at XXXX XXXX XXXX XXXX nor have I live there in 2017. In 2017 I was staying in XXXX, North Carolina. Secondly I never received services XXXX XXXX XXXX.
12/20/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19144
Web
Firstpoint Collections moved without providing an address to the credit bureaus, I sent a dispute letter directly to them, which was returned to me because it was the wrong address, which I got from my XXXX report! This is totally wrong! I belive this is a violation of my rights granted under the FDCPA
12/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 212XX
Web
In accordance with the Fair Credit Reporting Act, [ First Point Collection Agency XXXX ] has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
01/16/2022 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
  • NJ
  • 07093
Web
XXXX credit placed a negative report involving XXXX XXXX with an unpaid bill from 2021 with the amount of {$120.00}. I dont have an electric bill because I live in a coop here New Jersey and monthly payments in my coop includes water and electric bills. Ive been living here for XXXX yrs now. Thank you
06/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • LA
  • 70802
Web
First Point Collection Resources is a third party company and trying to collect funds on a account that was not with this company I ask for a debt verification and they cant get me that information this company reporting on my credit report and the fair credit act gives me the right to request it
08/30/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28217
Web
Another account that I have been trying to validate and they failed to do this. Keep sending the same vague printout information. No proof of ownership, no proof of my personal information, no proof of signatures rendered for this service. This account keeps getting verified by credit bureaus
10/10/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28117
Web Older American, Servicemember
The caller identified herself as XXXX XXXX and said the call was an attempt to collect a debt. Since it was a recorded call I could not get someone to take us off their list. All my credit is current and I have no debt owed that is not current. The phone number these people are using is XXXX.
08/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32829
Web
XXXX XXXX XXXX sold info to a non affiliate third party XXXXollection resources company. That is considered identity theft, I don't believe that First point collection have proper paperwork to collect in Fl. Also uploaded a letter decribing all of the consumer laws broken by XXXX XXXX XXXX
12/20/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27545
Web
On or about XX/XX/XXXX a company by the name of First Point Collection Resources added two medical debts to my credit report. Amounts : {$430.00} from XX/XX/XXXXand {$110.00} from XX/XX/XXXX I was not given notification of this debt or given a chance to dispute/request validation.
05/10/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NC
  • 27604
Web
i have XXXX accounts that this company has me listed as having that were from my idenity being stolen ... this company knowing this information is from a fraudulent source has continuted to hold these accounts with their company and report them as well evem try to collect on them
05/03/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37013
Web
I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation
01/21/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 283XX
Web
They do not legally own this debt and I do not either so remove because that means this account is not XXXX XXXX accurate on my credit report by consumer law my credit report is to be XXXX XXXX accurate at all times or Violation fees of {$1000.00} per violation can be served.
05/20/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 28602
Web
I paid FIRST POINT resources XXXX debt was paid on XXXX/XXXX/15 they left it on my credit file..im XXXX if I paid the debit they should be kind enough topay the debit with my little bit of money they should be nice enough to TAKE IT OFF my file I call them they flat refused..
06/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • CA
  • 92105
Web
First point. Reached out to me about a week and half ago. I am still waiting on them to provide me proof. That I owe them XXXX XXXX and XXXX . They provided me with a signature pdf. But unfortunately I havent received anything as far as where I owe them that amount listed.
01/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 146XX
Web
I reviewed my credit report and I see data being reported about me from Firstpoint Collection Resources. I never gave Firstpoint Collection Resources permission to receive my data nor to furnish it to consumer reporting agencies. Please remove this information immediately.
01/03/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • XXXXX
Web
I have disputed the information that is being reported on my credit reports to the company directly and to the CFPB. The company is fraudulently reporting information on my credit files. This is being reported and tied to a name XXXX XXXX XXXX, 2. That is not my name.
10/23/2018 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60504
Web
First Point Collection Resources has repeatedly contacted me in regards to a medical bill unknown to me in the amount of {$2800.00}. The company has threaten to report consumer information to my credit file. My credit file has been effected with a collection account.
01/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web Older American
I do NOT recognize this alleged debt from XXXX. Is that the XXXX XXXX Acronym? I have NOT had this account ; I do NOT owe this debt. I have NOT been notified by the Debt Collector I owe this UNtrue debt. It is impacting my good Credit file negatively & Unfairly.
10/13/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92868
Web
Open balance XXXX XXXX Original creditor Opened XXXX XXXX XXXX (XXXX yrs, XXXX mos) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX XXXX THIS DEBT IS NOT MINE AND HAS BEEN ALREADY REMOVED TWICE FROM MY CREDIT REPORT
03/13/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78258
Web
I was employeed by a company and had insurance that covered everything from XXXX. I can most certainly pay {$31.00} but I don't owe it. I was covered by my insurance in XX/XX/2021. If you can show me that it was truly not paid I will pay this in full immediately.
05/26/2020 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27406
Web
I get a robocall about once a week from a debt collection company called First Point. I have medical debt due to having XXXX and the treatment that followed. I politely explained to the company that I would gladly pay the debt when I'm recovered and back to work.
01/11/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • VA
  • 230XX
Web
This company continually calls me from new numbers and area codes ; without written consent unfairly submitted my information to my credit report damaging my credit causing me XXXX XXXX and now Im getting denied for credit cards and loans to help my family.
03/13/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32210
Web
pER FCRA SECTION 623 THE DEBT COLLECTOR IS DISOBEYING MY COMMANDS AS THE CONSUMER AND AFFIANT. I TOLD THEM I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND TO PLEASE DICHARGED OFF MY CREDIT REPORT. i SENT OUT A LETTER ON XX/XX/2022 AND HAVEN'T GOTTON A REPONSE BACK.
04/05/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28269
Web
According to XXXX XXXX account was opened XX/XX/2016 with XXXX which I have never heard of. The amount showing owed is {$290.00} and is in collections with XXXX XXXX XXXX XXXX. This account is not mines. I have disputed but I have received no response.
04/06/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27288
Web Servicemember
Repeated robo calls for a debit owed by XXXX XXXX, number being called from is XXXX, last call XXXX XX/XX/2019 at XXXX hours, do not know who he is or what he owes but the phone that keeps being called is my telephone number XXXX XXXX ( XXXX ) XXXX.
04/09/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • CA
  • 90046
Web
I thought my insurance toook care of the bill, everything was covered.I never recived a bill from this company. Then all of a sudden, I recieved a letter from a collection agency! I am still not responsable for the amount they are asking me.
05/15/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • XXXXX
Web
I've contacted this company on several occasions to inform them that this account is fraudulent and doesn't belong to me. I've even requested that they properly validate this alleged debt, but I have yet to receive any type of documents.
02/18/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37013
Web
I recently checked my credit report and discovered that this company is reporting that I owe them a debt. To the best of my knowledge this company has never provided a service to me and I have never agreed to pay them for said services
01/17/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 278XX
Web
This company started reporting on my report as of XXXX XXXX, 2017. I have not received anything in the mail about this debt. In fact, I 'm not even sure its mine. This debt has not been validated. I want it removed from my report.
07/24/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27513
Web
My address changed and this debt/bill was never sent to the correct address. I have attempted to pay it and have the incorrect collection removed but the company refuses to do so even though I was never notified of the debt.
11/24/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92882
Web
I checked my credit today and noticed this was added. I have no idea who these people are and was never called or given the opportunity to dispute this balance. The original creditor says XXXX and I have no clue who they are.
12/16/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28376
Web
Says I owe {$1100.00} for a XXXX XXXX mobile home park but I dont know where this came from and from the look of things they have the wrong year for my date of birth and it keeps disappearing on my credit and popping back up.
01/22/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AL
  • 368XX
Web
This company is a debt collector and has put information about me on my XXXX report. I have no affiliation with this company nor do I know who this company is. I have not given them any permission to use my information.
01/18/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27713
Web
I do not have unpaid debts. I continue to receive calls from First Point Debt Collection stating they are a debt collector that needs to get in touch with me. The phone number I receive calls from is ( XXXX ) XXXX.
07/03/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 17545
Web
I was never informed about this debt. I would have paid it if I knew about it. I found out when putting electric on in my name. I was then sent a notice in the mail even though this debt is over XXXX years old
09/28/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 20120
Web
Company has wrong information and continued pursuit of payment. Account was a debt settled with insurance for XXXX appt. Continued to be billed for charges covered by insurance. Unethical and illegal.
05/24/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27587
Web
Received a credit alert advising that I have a collection account from 1st Point Coll Resources, which reported on XX/XX/21. I never received any information or communication from this creditor.
04/29/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • CA
  • 91786
Web
This was discharged in my Chapter XXXX Bankruptcy. Balance as of XX/XX/2012 from my Chapter XXXX bankruptcy was {$0.00}. Now this company is harassing me to pay what was discharged back in 2012.
12/06/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 23324
Web Servicemember
I did not receive a notice of debt. I never paid this company anything. I saw the amount on my credit report I contacted the company and was told my balance was XXXX. I never gave them a dime.
03/04/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 245XX
Web
I got a letter in the mail from XXXX XXXX XXXX saying that I owe {$95.00} to XXXX XXXX XXXX with the account number XXXX which I have no knowledge of as I have never had an account with them.
02/08/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Called outside of 8am-9pm
  • NC
  • 27606
Web
The company in collections has not contacted me at all and has not answered our returned my calls. I want to pay this and get it off my report but they have been completely unresponsive
08/11/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33542
Web
THIS MEDICAL BILL WAS COVERED BY A WORKERS COMPENSATION INJURY, THE HOSPITAL HAS BEEN PROVIDED WITH ALL THE NECESSARY CLAIM INFORMATION.THEY HAVE SENT IT TO A COLLECTION AGENCY
08/23/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NC
  • 27405
Web
My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report.
11/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 27616
Web
I've filed a dispute in regards to the incorrect items on my credit report to XXXX it has been well over 30 days and I haven't received any investigation results.
01/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • VA
  • 22201
Web
I have reason to believe that XXXX and YES FIRST POINT COLLECTION RESOLUTIONS have violated my rights as a consumer and incorrect information as far as addresses
03/16/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28262
Web
XX/XX/2019 ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Original creditor name XXXX
07/16/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NC
  • 28027
Web
my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed
04/11/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 603XX
Web
FIRSTPOINT COLL RESO # XXXX DID NOT RESPOND TO MY VALIDATION OF DEBT SO THEREFORE NEED TO CEASE AND DESIST ALL COLLECTION PRACTICES ACCORDING TO THE FDCPA.
12/29/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28379
Web
said collection agency didn't send adequate verification e.i a signed contract with me and the original creditor required by The Fair Credit Reporting Act.
06/01/2022 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NC
  • 273XX
Web
I personlly feel under privacy fact act my medical bill shouldn't be closure to public and any medical should be removed off my credit report immediately.
06/23/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60625
Web
I received a letter stating that I owe XXXX XXXX XXXX of XXXX on the date of XX/XX/2022. This collection is false due to the fact I've moved out in XXXX.
02/24/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20874
Web
I sent them numerous letters requesting verification because this debt is not mine and they still have not sent me anything or responding to my requests.
06/30/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NC
  • 27405
Web
this account was started as a result of identity theft i have file police report and ftc id theft affidavit notarized outlining this specific account
07/18/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27513
Web
There no debts owned to the provider XXXX under account number XXXX for my son XXXX XXXX XXXX Attachment with XXXX ( XXXX ) BALANCE can be found.
12/04/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 273XX
Web
Written notification about debt was received. Didn't receive notice of my right to dispute account before being reported to XXXX credit bureau.
09/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23225
Web
First point has appeared on my credit report without giving me any kind of notices. This is illegal and has cost me significant credit hardship.
07/13/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95834
Web
I sent in a certified letter of validation dated XX/XX/2023, but the company failed to send proper validation documents of the debt being owed.
08/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60636
Web
I see on my credit report that I owe {$1600.00} but I have no knowledge of ever having any utilities in my name the amount owed is not my debt!
10/21/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27587
Web
RECEIVED NOTIFICATION THAT COLLECTION ACCOUNT WAS PLACED ON MY CREDIT FILE. NO WRITTEN INFORMATION OR DEBT VALIDATION RECEIVED TO DATE.
01/23/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 287XX
Web
I have tried writing letters and calling but I have yet to get a response. This account should not be reported on my credit report.
03/29/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PR
  • 00956
Web
XXXX XXXX XXXX XXXX reported negative items on my credit files and I don't recognize who's the client in wich they're reporting.
01/28/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 322XX
Web
Company never notified me of debt nor have they sent any verification or validation of debt It just appeared on my XXXX report
01/03/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28227
Web
Some how when I sold my house the collection show up on my credits. I was not aware. Havent stay at the property in 3 year.
11/13/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 241XX
Web
I have paid this debtas of XX/XX/2016 {$350.00} why is this still in collection. I have the receipt that was sent to me.
11/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28212
Web
collection provided a documents that have a signature that appears to be computer generated and does not belong to me
12/07/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70817
Web
This is my final attempt at resolving matter with XXXX before I file the federal lawsuit attached to this complaint.
09/05/2018 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NC
  • 283XX
Web
XX/XX/2018 Cease and Desist was sent to address listed on company letter head, I am still receiving calls.
01/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23321
Web
I have never had gas services. I only have had water and electric utilities. Someone used my information.
10/20/2021 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 322XX
Web
15 USC 1681 ( a ) ( 4 ) Infringed upon a consumer 's right to privacy. A consumer has a right to privacy.
07/28/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94533
Web
This collection account popped up on my credit file a couple of months ago and I don't know what it is.
01/14/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 273XX
Web
Using a computer to state they need to talk to someone here not identifying who or why.
04/20/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 19973
Web
15USC1681q ( 3 ), attached information to verify this Fraud and identify theft.
05/10/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28216
Web
XX/XX/2017 I was a victim of identity theft in which this debt was obtained
05/07/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 27613
Web
This debt was paid in full but it still shows that I still need to pay
08/23/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 28715
Web
I do not know what this bill is for and did not receive any services.
10/21/2020 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28379
Web
contacted said collection agency and they couldn't verify said debt
01/31/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 27704
Web Servicemember
In collections, shows {$0.00} balance. Debt has been paid.
01/18/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • XXXXX
Web
NO CONTRACT WITH THIS COMPANY ABOUT THIS ACCOUNT
06/26/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 287XX
Web
I am being billed for service I did not receive.
12/21/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28212
Web
Someone use my identity for fraudulent activity
11/05/2022 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28376
Web
Disputed not my debt wrong person or identity
06/22/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28208
Web Servicemember
NO SIGNED CONTRACT WITH FIRSTPOINT COLL RESO
07/24/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • NC
  • 287XX
Web Servicemember
Sent mail threatening to take legal action
07/29/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 287XX
Web Servicemember
Sent mail and couldn't verify its my debt
08/22/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28715
Web
Attempts to collect fraudulent charges.
08/22/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28715
Web
Attempts to collect fraudulent charges.
08/14/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 28752
Web
continued calling about debt i dont owe
07/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23320
Web
3 parties reporting false information
07/26/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20874
Web
this account does not belong to me.
05/13/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 28025
Web
Please see attached documents
03/14/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 284XX
Web Servicemember
i doo not owe this debt.
01/07/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 283XX
Web Older American
debt is paid in full
01/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27217
Web
debt is not mine
02/05/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28625
Web
02/02/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28625
Web
02/01/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 275XX
Web
01/28/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28625
Web
01/27/2024 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28625
Web
01/25/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22554
Web
01/24/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23224
Web
01/22/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27265
Web
01/22/2024 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • NY
  • 14615
Web
01/20/2024 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 23505
Web
01/18/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19134
Web
01/17/2024 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27288
Web
01/17/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23847
Web
01/10/2024 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 325XX
Web
01/07/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28625
Web
01/02/2024 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19103
Web
12/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19131
Web
12/24/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28379
Web
12/21/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 284XX
Web Servicemember
12/21/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 238XX
Web
12/19/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60440
Web
12/19/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28677
Web
12/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94572
Web
12/12/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IA
  • 52404
Web
12/07/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60156
Web
12/04/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NM
  • 87120
Web
12/03/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27105
Web
11/11/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28012
Web
10/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 92404
Web
10/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32092
Web
10/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19138
Web
10/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28027
Web
10/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60419
Web
10/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19146
Web Servicemember
09/26/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28278
Web
09/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27105
Web
09/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 24501
Web
09/13/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 236XX
Web
08/31/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28625
Web
08/30/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27127
Web
08/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28213
Web
08/14/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28625
Web
08/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35079
Web
08/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28213
Web
07/30/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70806
Web
07/28/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60660
Web
07/27/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28412
Web Servicemember
07/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28311
Web
07/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21075
Web
07/13/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 27407
Web
07/11/2023 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27804
Web
07/11/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30009
Web
06/22/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 27938
Web
06/16/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27282
Web
06/16/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19140
Web
06/11/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32206
Web
06/09/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60010
Web
05/31/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27215
Web
05/29/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27703
Web
05/26/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32206
Web
05/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27214
Web
05/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70507
Web
05/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19126
Phone
05/10/2023 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 07424
Web
05/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 63304
Web
04/16/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27615
Web
04/10/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28625
Web
04/08/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28027
Web
04/05/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32246
Web
03/30/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28213
Web
03/30/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90011
Web
03/25/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28625
Web
03/23/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28210
Web
03/22/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28677
Web
03/21/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28551
Web
03/16/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35406
Web
03/14/2023 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NC
  • 27406
Web
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27893
Web
03/11/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32208
Web Servicemember
02/24/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28677
Web
02/10/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 14150
Web
02/02/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19115
Web
01/30/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27527
Web
01/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89178
Web
01/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28704
Web
01/20/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28625
Web
01/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 14615
Web
01/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27604
Web
01/18/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30088
Web
12/30/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28078
Web
12/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 18976
Web
12/12/2022 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
  • CA
  • 94118
Web
11/29/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27616
Web
11/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29617
Web
11/16/2022 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27406
Web
11/09/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28379
Web
10/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33127
Web
10/23/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28551
Web
10/17/2022 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27214
Web
10/11/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • 70769
Web
10/09/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28472
Web
10/04/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27527
Web
10/01/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 27401
Web
09/23/2022 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23225
Web
09/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28024
Phone
09/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27284
Web
08/27/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • UT
  • 84404
Web
08/23/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28269
Web
08/17/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28091
Web
08/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27889
Phone Servicemember
08/09/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28269
Web
08/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NC
  • 28501
Web
07/23/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27501
Web
07/22/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92130
Web
07/02/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28314
Web
07/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 17078
Web
06/21/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27889
Phone
06/12/2022 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
  • VA
  • 20152
Web
05/25/2022 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36801
Web
05/22/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35805
Web
05/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48235
Web
05/19/2022 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • LA
  • 70805
Web
05/19/2022 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28202
Web
05/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60645
Web
04/29/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28401
Web
04/28/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28202
Web
04/21/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28269
Web
04/19/2022 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28601
Web
03/29/2022 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28901
Web
03/26/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32208
Web Servicemember
03/21/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27405
Web
03/09/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 28086
Web
03/09/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27612
Web
03/09/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27612
Web
02/20/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19401
Web
02/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19141
Web
02/08/2022 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28311
Web
02/05/2022 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28269
Web
01/28/2022 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NC
  • 28301
Web
01/28/2022 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NC
  • 28301
Web
01/28/2022 No
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • NC
  • 28311
Web
01/20/2022 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23231
Web
01/07/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28540
Web
12/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27407
Web
12/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60010
Web
12/01/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32234
Web
12/01/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11201
Web
11/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MD
  • 21701
Web
11/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19053
Web
11/03/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32701
Web Servicemember
10/28/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28384
Web
10/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 18940
Web
10/20/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28269
Web
10/17/2021 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19050
Web
10/13/2021 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29729
Web
10/04/2021 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48141
Web
10/02/2021 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
  • 27527
Web
10/02/2021 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • LA
  • 70068
Web
09/24/2021 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27613
Web
09/13/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27603
Web
09/09/2021 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
  • Their investigation did not fix an error on your report
  • SC
  • 29073
Web
09/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28704
Web
09/03/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27801
Web
08/25/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28227
Web
08/17/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27801
Web
08/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70791
Web
08/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70115
Web
08/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 28001
Web
08/02/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90803
Web
07/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27610
Web
07/30/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90220
Referral
07/27/2021 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 39823
Web
07/26/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27401
Web
07/23/2021 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28518
Web
07/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27804
Phone
07/07/2021 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28540
Web
06/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27869
Web
05/27/2021 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NC
  • 28216
Web Servicemember
05/26/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89012
Web
05/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 20152
Web
05/19/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28314
Web Servicemember
05/11/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94565
Web
04/21/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • OH
  • 45242
Web Servicemember
04/01/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32209
Web Servicemember
03/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19140
Web
03/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28262
Web
02/28/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28269
Web
02/27/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 24073
Web
02/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28269
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
  • 27591
Web
02/10/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27858
Web
02/01/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28269
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
  • AL
  • 36869
Web
01/26/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28304
Web
12/26/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27707
Web
12/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32738
Web
12/09/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29697
Web
12/04/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23462
Phone
12/02/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NC
  • 28314
Web
11/24/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27616
Web
11/11/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32206
Web
11/10/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NC
  • 28318
Web
11/01/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28212
Web
10/19/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27332
Web
10/16/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
Phone Older American, Servicemember
09/24/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27401
Web
09/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 31907
Web
08/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 24019
Web
08/11/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20876
Web
08/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 27217
Web
07/22/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32218
Web
07/22/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32218
Web
07/22/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32218
Web
07/02/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28269
Referral
06/20/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28348
Web Servicemember
06/17/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29697
Web
06/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32277
Web
05/29/2020 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28431
Postal mail
05/11/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28212
Postal mail
04/29/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 27214
Web
04/24/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • DE
  • 19952
Web
04/21/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27018
Web
04/07/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28078
Web
04/01/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35476
Fax
03/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32244
Web
03/14/2020 Yes
  • Checking or savings account
  • Checking account
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94080
Web
02/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28226
Web
01/21/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90019
Web
01/16/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28031
Web
01/09/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28394
Web
12/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28214
Web
12/19/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CT
  • 06084
Postal mail Older American
12/17/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27265
Web Servicemember
12/02/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27401
Web
11/22/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27358
Web Servicemember
11/17/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 27529
Web
11/07/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28205
Postal mail
10/17/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NC
  • 27330
Web
10/03/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28269
Web
09/10/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27261
Postal mail
08/23/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 65020
Web Servicemember
08/09/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92101
Web
07/27/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32246
Web
07/18/2019 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NC
  • 28269
Web
07/10/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28202
Web
06/23/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27215
Web
06/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • SC
  • 29102
Web
06/11/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27588
Web
05/22/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NC
  • 27523
Web
05/01/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27302
Web
04/29/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28262
Web
03/09/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27527
Web
02/25/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28803
Web
02/13/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27527
Web
02/11/2019 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NC
  • 28269
Web
02/04/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27527
Web
12/31/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28273
Web Servicemember
12/21/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28212
Web
10/23/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28269
Web
09/25/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 293XX
Web
09/03/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 28373
Web Older American
07/16/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93722
Postal mail
06/05/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23851
Web
06/01/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27284
Web
05/30/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28472
Web
05/14/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28269
Web
04/11/2018 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27401
Web
04/05/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28612
Web
02/26/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33966
Web Older American, Servicemember
02/02/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 22203
Web
01/31/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33980
Web
01/30/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28262
Web
01/29/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34654
Web Servicemember
01/09/2018 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27616
Web
01/09/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27591
Fax
12/13/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27244
Web
12/13/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27244
Web
10/24/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29205
Phone
10/09/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27616
Web
10/05/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27616
Web
10/03/2017 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
  • CA
  • 90059
Web
09/27/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91610
Phone
07/23/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28422
Web
07/14/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90059
Web
07/12/2017 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
  • NC
  • 28546
Web
04/21/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 27511
Web
03/29/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06515
Web
03/05/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06515
Web
02/06/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91411
Phone
01/21/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • NC
  • 27107
Web
12/16/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11212
Web
11/16/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27016
Web
11/14/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • 29615
Web
08/30/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30080
Web
08/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 28079
Web
08/27/2016 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 28551
Web
08/08/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • 29376
Web
08/06/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29566
Web
08/05/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 28277
Web
07/25/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • SC
  • 29572
Web Older American
06/23/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75884
Referral
06/22/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 28376
Phone Servicemember
06/21/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 28748
Web
06/08/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92880
Postal mail
05/18/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91405
Web
05/10/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 23225
Web
05/04/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 37686
Phone
04/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90706
Web
04/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92630
Phone
03/22/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • SC
  • 29575
Web
03/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90059
Postal mail
02/16/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NC
  • 27313
Web
02/02/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 28311
Web Older American
01/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90802
Referral
12/03/2015 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • CA
  • 91741
Web
07/08/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 79762
Referral
06/15/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34477
Web
06/12/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 91711
Web
06/11/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 28732
Web
05/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33032
Phone
04/23/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 98422
Web
03/12/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 23847
Web
02/20/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34695
Web Older American
02/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • RI
  • 02919
Web
02/03/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27529
Web
01/29/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • VA
  • 22201
Web
12/16/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 28390
Phone
12/12/2014 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • VA
  • 23541
Web
12/08/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • NC
  • 28816
Web
12/06/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92019
Web
12/03/2014 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • NC
  • 28314
Web
12/03/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 20735
Web
10/16/2014 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 28462
Postal mail
10/10/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76501
Web
10/09/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75455
Web
09/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called after sent written cease of comm
  • CA
  • 90009
Web
08/27/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11772
Web
08/11/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92656
Web Older American
07/17/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23322
Web
07/07/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 27253
Web
06/28/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • SC
  • 29118
Web
06/12/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 92804
Referral
06/09/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • XXXXX
Web Servicemember
05/28/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 27265
Web
05/05/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 49501
Web
05/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 28278
Postal mail
04/03/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NC
  • 28714
Web
04/03/2014 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11520
Web
03/28/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AZ
  • 85635
Web
03/27/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 27215
Phone
02/17/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 24401
Web
02/08/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91344
Web
12/26/2013 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Called outside of 8am-9pm
  • CA
  • 94541
Web
12/23/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23059
Web
12/12/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 24228
Phone Servicemember
10/17/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 28380
Phone
08/16/2013 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92101
Web