Firstsource Business Process Services, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11226	Web
I SENT THIS LETTER TO Firstsource Advantage , LLC. Since this debt was originally Charged off by the creditor XXXX XXXX XXXX XXXX XXXX XXXX charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statute. XXXX XXXX XXXX XXXX XXXX XXXX -DELETE THIS ACCOUNT IMMEDIATELY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Firstsource Advantage , LLC XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : Firstsource Advantage , LLC To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to XXXX XXXX XXXXXXXX XXXX XXXX and Firstsource Advantage , LLC Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY. Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. I never gave Firstsource Advantage , LLC Any of my information it was SOLD to them by XXXX XXXX XXXX XXXX Bank which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C . 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to Firstsource Advantage , LLC XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safeguard it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, Firstsource Advantage , LLC Please provide me with ALL the below mentioned items : The original contract with this company Original Wet Signature on the contract Audit trail calculation of payment history All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) The original date the contract was opened The amount you claim owed * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. Since this debt was originally Charged off by the creditor, charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which i was suppose to receive a 1099-C and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT. If Firstsource Advantage , LLC fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY. I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX _________________________________
08/06/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78633	Web
I am pasting a portion of a letter sent to my insurance company who is legally contracted with the provider that has put us in collection : As of todays date, XXXX, I have received two incorrect invoices in the amount of {$650.00} for services rendered at XXXX XXXX XXXX back in XX/XX/XXXX and a statement from a collection agency, XXXX XXXX XXXX for the amount of {$150.00}, all attached. On XX/XX/XXXX, I spoke with XXXX XXXX at XXXX XXXX XXXX XXXX in regards to the invoice, dated XXXX for {$650.00}, with no breakdown or explanation of expenses. On this same day, I contacted XXXX and received confirmation, after numerous conversations, that I was only responsible for a co-pay of {$150.00}. XXXX, with XXXX, spoke with XXXX XXXX and XXXX indicated there may be other charges and to call towards the end of the month. I noted to XXXX, why would I be receiving additional changes, why is it my responsibility to call and why didnt I receive an EOB? XXXX was going to research the EOB. On XX/XX/XXXX, I received another invoice, dated XXXX, for {$650.00} from XXXX XXXX XXXX XXXX. Upon receipt, I called XXXX and spoke with XXXX, a representative, who confirmed I had a balance of {$650.00}. I explained I was only responsible for my co-pay of {$150.00}. XXXX said she would set up a conference call with XXXX XXXX, who handles XXXX XXXX, for Thursday, XX/XX/XXXX at XXXX XXXX central standard time. On XX/XX/XXXX, I nor XXXX XXXX received a call from XXXX with XXXX. In trying to get resolution to this matter, I contacted XXXX XXXX again and they indicated that three claims were denied due to lack of information and that the paperwork was to be resubmitted and if I did not hear back by XX/XX/XXXX by either the provider or XXXX, to contact XXXX. I did not understand these details with XXXX XXXX. XXXX with XXXX XXXX said she was going to call XXXX at my request to get resolution. I put a call into XXXX again to inform her that XXXX was going to call her to clarify my financial responsibility. I spoke with XXXX who said she would have XXXX call me back, once again. On XX/XX/XXXX, I still had not heard from XXXX, so I contacted XXXX XXXX once again, as requested, and XXXX confirmed that there was no update on this matter. As I was not pleased with the response and/or cooperation, I then asked to speak to a supervisor and I was put in touch a supervisor named XXXX and explained the history of this debacle. She said that she would investigate this matter to get it resolved. XXXX said that once this issue got resolved a revised invoice would be sent to me for payment and at that time I could make the correct payment. On XX/XX/XXXX, I called XXXX again and spoke with XXXX at which time I noted that XXXX XXXX was to have called XXXX to rectify this matter. I gave XXXX XXXX name, a reference number, a ticket number and phone number to help resolve this once and for all. After this point, I was not going to pursue this matter any further. On XX/XX/XXXX, I had received a call, that morning, from XXXX XXXX XXXX which was a collection agency for an outstanding balance of {$150.00} for services rendered in XX/XX/XXXX. The woman I spoke with was named XXXX and gave me the account number of XXXX and she indicated that the account was put into collection on XX/XX/XXXX. I told XXXX that I had tried numerous times to get this matter resolved between XXXX XXXX XXXX and my insurance company and that I had never received a revised invoice for this {$150.00}. I told XXXX that I needed to contact the provider and my insurance company to get this matter resolved, have my credit cleared as a result of others incompetencys, that I have no problem paying the bill, and wanted to make sure what I am going to pay is correct. I called XXXX again and spoke with XXXX and she confirmed all the calls that I had made. She said that I didnt need to speak to XXXX and anyone couldve help me!!! She had no response as to the call that was made on XX/XX/XXXX to speak to XXXX to get this resolved. XXXX confirmed that the system still showed that I had a balance of {$650.00} due. XXXX had indicated that she would have to do some further research on this matter and that I would have to call her back on Monday. At this point I was very upset and indicated that it was not my responsibility to keep making these calls, at which she replied, she was not able to call me back. On the same date, XX/XX/XXXX, I contacted XXXX & XXXX XXXX again and requested an EOB which XXXX XXXX said they were not able to provide me. XXXX said they only provide an EOB to the provider, which I said that doesnt help me and I, as a consumer/customer have a right to see my charges. I was told I would have to contact XXXX for such information. At this point I explicitly confirmed I was not going through this labyrinth anymore and do other peoples jobs. I then demanded to speak with someone who was going to help and I was put in touch with a gentleman by the name of XXXX with XXXX XXXX, who indicated, by looking at his records, that I was only responsible for the {$150.00} co-pay. I indicated to him that I was now in collection and that I had put countless hours into this matter for six months and had never received a revised bill for the {$150.00}. XXXX had said that he was going to call XXXX XXXX XXXX XXXX to clear this matter up and for me to wait to receive a revised invoice for the {$150.00}. He indicated it would take approximately a little over a week and for me not to take any action until he had spoken with the provider and called me back. As you can tell I have kept copious notes and wanted to give you the full background of the efforts that I had put into this matter to reach a resolution and pay the correct amount. Now that we are in collection, I am requesting that we are removed from the collection agency and that our credit record be cleared for a grave mistake as a result by others. As a result, I am requesting for a revised invoice for {$150.00}, noting no further expenses are due for services rendered for the respective dates of service. In reference to our tarnished credit, I am requesting a letter of confirmation from XXXX XXXX XXXX XXXX, on their letterhead, with a full explanation of this unfortunate matter, as a result of their error, that this matter has been resolved with our credit restored and that all credit reporting agencies have been notified to totally remove this incident from our credit record/score. This is paramount just in case this matter should for some reason surface in the future. For the time, inconvenience, and discredit that has been caused, this is the least that XXXX XXXX XXXX XXXX can provide. They should be held accountable for their unprofessional actions and provide the documented assurances, being requested, which are not unreasonable by any means. Feeling very uncomfortable, rightfully so after six months, I can not take any chances with having our credit tarnished as a result of others actions be it now or in the future. All that I am requesting is feel comfortable and assured and nothing more. I have no problem paying the correct amount of {$150.00}, ASAP, and do not want to delay it any longer, as long as XXXX XXXX XXXX XXXX provides, prior to payment, an assurance in writing, that they will provide their letter, in reference to restoring our credit, as outlined in detail above, within two weeks after the payment of the {$150.00}. I will personally make payment at their facility in XXXX. I would appreciate if XXXX would help enforce this request. These requests/demands may seem a little over the top but, considering the bizarre chain of events, I just cant take any chances down the road should for some reason there be an issue with our credit, as it relates solely to this matter. Am I paranoid? Yes, and cautious and rightfully so. The history speaks for itself. XXXX XXXX, your cooperation and help on this matter will be deeply appreciated. Should you have any questions, please do not hesitate to contact me@XXXX. NOTE : I have subsequent correspondence to XXXX XXXX, with my insurance company, that a letter will no longer suffice & may not be the proper means to protect our credit and that I need to take another direction on this matter, which is contacting you, to insure that being unjustly put in collection will never surface in the future in our credit records. I have all copies of emails in trying to resolve this and invoices from the provider with incorrect amount and invoice from the collection agency. Your assistance would be deeply appreciated. Thank you, XXXX
04/09/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 63129	Web
I received a letter from XXXX XXXX on XX/XX/XXXX ( Document 1 ). This is in regards to an account that I have made MULTIPLE requests for financial assistance. First request was on an invoice dated XX/XX/XXXX, received on XX/XX/XXXX. There was a billing error on the invoice ; so I sent a letter describing the error ( asking for it to be reprocessed ) and for financial assistance with the remainder of the invoice. It should have been received no later than XX/XX/XXXX. Second requested was on an invoice dated XX/XX/XXXX, received on XX/XX/XXXX. Again, it still had the billing error on it. I sent a second letter, again requesting for a reprocess of the error and for financial assistance for the remainder of the charges. The second letter should have been received no later than XX/XX/XXXX. I received another invoice dated XX/XX/XXXX, received on XX/XX/XXXX, which again had the billing error and another charge. I received two more invoices that ONLY had the billing error on the statement. One dated XX/XX/XXXX, received XX/XX/XXXX ; the other dated XX/XX/XXXX, received XX/XX/XXXX. I sent a third letter, certified so I know it was received. Document 2 is the letter ; Document 3 is the mail receipt. I attempted to print the tracking, but USPS says the information is not available. Tracking number is also referenced in the letter. Just as a reference, all correspondence was performed in writing due to the unprofessional conduct of the XXXX staff ( especially in the billing department ). It all started with problems that my agent assigned to me by XXXX during an investigation on a claim they submitted. They were so rude to him on the phone the last time he spoke with XXXX representatives ; that he had to DISCONTINUE the conversation. He called me back afterwards, and informed me of the incident ; then stated that ALL correspondence from the XXXX XXXX XXXX office would have to be made in writing. He also suggested to me that ANY further communications I have with XXXX be in writing due to the unprofessional nature of XXXX representatives ; and so there is a written record. I personally think it is bad when a representative from a MAJOR insurance provider can not conduct business by phone to resolve a claims issue with the service provider. Just so it is known, that claim was sent to XXXXXXXX XXXX and processed through the CFPB ( complaint # XXXX ) due to the uncooperative nature of the XXXX representatives. After the letter was sent in XX/XX/XXXX, and was never answered ; I had a follow up phone call with my Transplant and Financial Coordinator with XXXX. Since the issue was never reprocessed ( she had access to my claims logs ), she contacted the billing department to tell them to reprocess the error claim. I asked her to find out why it was never reprocessed as I had sent several letters proving their error. They refused to answer the question. My coordinator stated they feigned ignorance. I never received any further invoices after the one dated XX/XX/XXXX until I received an invoice for surgery that occurred late XX/XX/XXXX. The invoice was received on XX/XX/XXXX. I received a call on XX/XX/XXXX from a male representative to let me know the invoice was issued and to see if I received it. I described my previous issues with the billing department, and attempts to get financial aid. He gave me a direct number to call ; as he is just a courtesy agent he could not assist me. I contacted an agent, named XXXX ; who was EXCESSIVELY rude. Also note, that I have that call recorded as proof of the rude and arrogant behavior of the XXXX representatives. I requested a financial aid application as well as a UB04 form for the surgery on the billing invoice. I never received the forms I requested. I have no mail records ( from the USPS Informed Delivery ) for the following days : 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 ; and I have copies of all mail scans for the remaining days. This covers the entire period from when I requested financial aid on XX/XX/XXXX until the end of XX/XX/XXXX to show that I NEVER received any of the forms I requested. After not receiving the forms for three weeks, I called again. I spoke with a very nice agent who was very helpful. The only problem she said she could not release the UB04 form to me. All I was told is it is not complete, even though its been 90 days since the date of service. This is not the first time that I have been refused my personal medical records or file information ; and just so it is known, I have been questioned as to why I would want MY personal medical records. I received the financial aid forms XX/XX/XXXX, less than five days after I had called requesting them. On XX/XX/XXXX an agent named XXXX called me ( also a recorded phone call ). She was also rude and arrogant. I told her I received the financial aid forms the evening of XXXX, and was in the process of getting the information requested in the forms ( pay stubs proving a months worth of income, current tax returns, W2, etc ) so I could compete the forms. In so few words she said that she didnt care, she wasnt going to hold the account while I get it together, then threatened to send me to collections. I questioned why because it states that I have up to thirty days to complete the application and submit it. I also informed her that this is the second set of forms I requested, as the first ones were never received. Her retort was they were sent. I personally question if they were, as I have proof they were never received. The second sets of forms were sent on XX/XX/XXXX. Document 4 is the receipt and Document 5 is the tracking information. The forms were received by the business on XX/XX/XXXX. The financial aid forms state that it can take up to thirty days to process. The last correspondence I received was an invoice dated XX/XX/XXXX. After the thirty day period expired with no approval or denial letter, I filed a Better Business Bureau complaint ( # XXXX ) on XX/XX/XXXX. Document 6 is the full complaint ; Document 7 is the acceptance letter from the XXXX ( stating they accepted the complaint and would forward it to the business ). As of XX/XX/XXXX I have not received a response to the XXXX complaint from XXXX. I would like to point out, that at this point I have experienced harassment and refusal of service from the XXXX agents. The harassment is well documented back to XXXX, as well as with the recorded phone call interaction with the agents for this instance. The refusal of service begins with the letters that I had sent after receiving the first invoice in XX/XX/XXXX. I sent a letter ; someone is responsible for checking the mail ; someone is responsible for opening the mail and processing the contents ; if there was correspondence received, it was that persons responsibility to transfer or respond to the request for financial aid and reprocessing the billing error. Due to the negligence of that employee for failing to send the correspondence for processing, lead to a refusal of service ( as my request for financial aid and bill reprocessing was not completed ). Also, as stated the verbal request for financial aid was not fulfilled ( even though they state it was sent, I have proof otherwise ), leads to being refused service. The representative XXXX, stating she didnt care that I asked for assistance or not, she refused to allow processing of the paperwork is a refusal of service. I would also like to point out that in the XXXX complaint, I requested to speak with someone HIGHER than the billing department. There are multiple issues that need to be addressed with this organization that should have been corrected before it went to the XXXX, and especially the CFPB.
10/21/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 63129	Web
I would like to start off by saying that One Advantage and I are no strangers. XXXX XXXX Hospital has been using this organization for years to harass, bully, and intimidate me ; as well as distract from their questionably legal activities. I would like to begin with the current notice I have received from One Advantage. I have NEVER received a billing statement from XXXX XXXX Hospital for the date of service ( XX/XX/XXXX ) in the amount of {$180.00}. The last individual statement I received was for service on XX/XX/XXXX in mid-XXXX of XXXX ; in which I received a demand for payment phone call on XX/XX/XXXX before any payment was past due. I have also received notice recently from my insurance company, showing that it was reprocessed ( due to error, review of policy, etc is unknown ). On XX/XX/XXXX I requested financial aid assistance, and was told it would be issued in a few days ; it was never received. I called again a few weeks later ( mid-XXXX ) to request it again. I received it early XX/XX/XXXX. Three days later I received a phone call demanding payment ; to which I stated that I requested financial aid twice, and just received the paperwork and have yet to get some of the paper work requested ( tax info, pay stubs, etc ). Customer service agent was very rude, stated she wasnt going to hold it from collections. I submitted the paperwork, with no response. That led to XXXX XXXX XXXX complaint XXXX on XX/XX/XXXX and Consumer Financial Protection Bureau complaint XXXX on XX/XX/XXXX. I spoke with XXXX XXXX, Compliance Manager after the closure of the complaint on XX/XX/XXXX. At the time I spoke with her, the XXXX complaint had yet to be addressed ; and requested that whomever her contact was that sent the original information to her office be sent a notice that I wanted to be contacted to get a resolution. She said she would email that person, but I never received a response. The XXXX complaint was not responded to until XXXX of XXXX. Several of the issues were addressed. I requested that ALL OUTSTANDING billing issues be combined and sent to me for review based on DATE OF SERVICE ; so I could review and make payments towards ONE FINAL AMOUNT. I have only received one statement broken down, but only by the date XXXX processed the charges AFTER the insurance did. It does not list the date of service, so it is not possible to create a timeline as to what charges are for what date or time period. The point is, I dont know if the current billing statement I have received from XXXX has the current charges that are with One Advantage currently, nor do I know if the charges from the reprocessing I have received from my insurance company are part of it. I have also, requested for a reprocessing of my financial aid paperwork due to income change ( to approximately 50 % less than what my previously reviewed income was ). That is included with this complaint, and was sent XX/XX/XXXX. Since then I have received ONE billing statement for a fixed amount, but it DOES NOT describe what date/time period it is for nor does it break down what the charges are. I have a recorded call on XX/XX/XXXX with a representative of XXXX asking about payment options. I again asked why I have not received a breakdown of the bill by date of service. She stated it was sent. What I received what based on when XXXX PROCESSED it after my insurance company did, and it did not have the information I need to make an informed decision as to what I was being billed for. After some discussion, she stated she would request for it to be reprocessed and sent to me in the manner in which I requested. As of the writing of this complaint, I have not received it ( just another billing statement with a single dollar amount on it, no other information ). With this organization refusing to provide me with this information, it is an act of fraud. They are unable to provide legitimate proof of charges and the dates they occurred. Likewise how am I to know that this current charge placed with One Advantage is not part of this consolidated bill I have received from XXXX within the last 30 days. Also, during the call on XX/XX/XXXX I asked why my financial aid has not been reviewed again. The agent put me on hold and looked into it ; stating that it had been received, but not updated. Now the financial aid processing was a MAJOR point in the previous XXXX and CFPB complaints. I was told the financial aid was approved early XX/XX/XXXX, but I never received confirmation of it until end of XX/XX/XXXX when the XXXX complaint was attempting being resolved ( as no one representing XXXX answered the CFPB complaint ). With XXXX XXXX Hospital being involved in fraud, and yes I am going to call it fraud ; since XXXX can not and have refused to provide me with billing detail information, the billing information currently with One Advantage can not be validated. Furthermore, it can not even be confirmed or denied that it is part of the current bill that I have from XXXX ; which is supposed to be a consolidation of any and all remaining billing activity. I officially request for someone from the CFPB or FTC to get actively involved to meditate this case. It has been OVER TWO YEARS dealing with both these organizations, and we have not accomplished anything.
08/14/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I received a debt collection letter from Oneadvantage_XXXX XXXX XXXX XXXX XXXX, on around XXXX XXXX ; in response to this debt collection letter from Oneadvantage I sent them a debt verification letter as follows " Date : X/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ONE advantage XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX RE : Account # ( XXXX ) Certified Mail Article # XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Copy of the contract between you and your client and or creditor in this case. Proof that you are licensed and bonded. Agreement that bears the wet signature of the alleged debtor wherein he/she agreed to pay the creditor. A complete transaction history from the creditor to include every charge, payment, interest rate, fees, etc, via the creditors system. 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 via the creditors system. Explanation of how this amount was calculated via the creditors system. Amount the debt collector paid for the debt if the debt was purchased. Produce notarized evidence from the original creditor that you are authorized to act for them. If you are a third party debt collector, produce evidence that you are a 3rd party debt collector and have not purchased this debt and that you are collecting this debt on my behalf and or on the behalf of the original creditor. 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 via the creditors system. Commission for debt collector if collection efforts are successful. Response within 30 days is requested. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back., To date Oneadvantage has not validated this debt per Fair Debt collection Practices Act ( FDCPA ) and may have violated state and federal laws by placing this account with a major credit reporting bureau ( s ) without validating this debt!
05/31/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX CT XXXX GA XXXX XXXX FISRT SOURCE ADVANTAGE LLC XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { Experian, Equifax or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax, Experian and TransUnion } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS, I have previously ask you to stop calling me ( Cease and Desist phone calls ) on the phone however you keep calling me violating my consumers right, please be aware this violation could result in a {$1000.00} fine per call according to the fair debt collections practices act. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards XXXX XXXX XXXX
03/06/2017	Yes	Debt collection Non-federal student loan	False statements or representation Attempted to collect wrong amount	CA 932XX	Web
I 'm filing this complaint against XXXX. Back in XX/XX/XXXX I reviewed my credit report because I was in the market to purchase a home for my family. When I was looking at my credit report, I noticed that there was a collection to a XXXX for {$18000.00}. It said it was for a XXXX. I have only gone to XXXX college/university ever and that was to XXXX. I have been paying that loan for well over a year now trough XXXX/Dept of Education. When I saw this debt I disputed it with the XXXX credit bureaus. There is no way I could be paying XXXX/dept of education and still have to pay XXXX. I did this on XX/XX/XXXX. What I received was credit reports from all XXXX bureaus stating that this debt will remain on my report because it was verified. At that point I sent a written validation request to XXXX asking for an original contract. I sent it on XX/XX/XXXX. I never received a contract. What I did receive was an itemization of the charges I supposedly owed to XXXX with another bill. Afterwards I sent another dispute with the credit bureaus informing them I never received a contract to prove I owe the money XXXX said I did. Again the account remained. Because of everything that happened, I did some research about how debt collection works. After a few months I felt I had enough understanding of how things worked so I placed a call to XXXX directly and asked them point blank to provide me a contract. I did it on XX/XX/XXXX. I spoke with a XXXX and she said that she would request it for me and send me the proof. She also said she would call me back. I advised her that I knew that because they had already taken so long that this debt was no longer able to be collected for failure to validate but that I would wait for it and her call one more time. That call never came. Today, XX/XX/XXXX, I call XXXX and I ask where the contract is. I spoke with a XXXX and she said it has n't been received yet but that she would request it again ... I told her that I was fed up with their excuses and that I was told the same thing on XX/XX/XXXX and that I still do n't have the contract. I told her I also requested it in writing back in XXXX and did n't get it then either. I told her at this point I was demanding that she delete the account from my credit report for failure to validate the debt. She stated that deleting it from my report was not an option ... I then asked to speak to a supervisor. She transferred me to XXXX. I spoke with XXXX and told him the same thing I 've told everybody up to that point. I have not received a contract and now I 'm furious as they are credit reporting without validation for 6 months now. He tried to tell me that I never requested a contract and that it was not on any notes but that he would request one now. At this point I know that they are just playing games with me. I happen to have a recording of my conversation with their representative when I specifically ask for a contract on numerous occasions. Many other comments were made by the supervisor but he no longer had any credibility with me and so I only partially paid attention to what he said. In the end, their company is collecting a debt they have no validation for. XXXX. Unfair Practices. ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. They have no contract, they lied to me on the phone on numerous occasions, they have not validated debt after 5 months of requests, They lied to the credit bureaus by " verifying '' unverifiable debt. At this point whether they obtain proof or not does not matter anymore. They need to stop collecting this debt or I will sue.
04/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33193	Web
hello i'm sorry i have to make this complaint. i'm getting mailed from the ceditor : XXXX XXXX XXXX ( XXXX ) Account name : XXXX XXXX XXXX Account # XXXX Account balanceXXXX i have a issue with that statement and i got mailed from the department name is One advantage.LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX phone # XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX as of XX/XX/XXXX i owe:XXXX between XX/XX/XXXX and today. XXXX the next one is : XXXX XXXX XXXX XXXX XXXX ) XXXX as of XX/XX/XXXX i owe:XXXX between XX/XX/XXXX and today. XXXX and then got mail saying that send from correspondence to : One Advantage.LLC XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX that my Total due:XXXX i have no idea where this is coming from because i was in XXXX XXXX where i was send from XXXX XXXXXXXX Court house from my judge that send me to that facility to complete my situation because i had a XXXX XXXX XXXX and it is for free the XXXX XXXX was free no charge. i dont understand why did i get this amount that i owe when i was XXXX XXXX XXXX XXXX XXXX that i couldn't go no where at all. and i dont have no medical insurance i told the facility that so why would i be charged for something i have no access to that makes no sense at all. i was never informed about me having to pay XXXXXXXX XXXX XXXX when i was send there from the XXXX XXXX XXXX XXXX never informed me they said they would take in charge of everything. the XXXX i was in was called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX that's where i was at from XX/XX/XXXX till my discharge end XX/XX/XXXX so how is that possible i was never told anything about paying anything because it was free from the judge of XXXX XXXX XXXX HOUSE that's illegal for them to charge me with out letting me know about this situation. im not understand at all i shouldn't pay for my time being in there facility at all i signed papers but it was never stated that i was my discharge from XXXX XXXX to XXXX XXXX XXXX but i was still continuing going to XXXX XXXX for my treatment because the judge told me i still needed to go there for treatment and im still XXXX XXXX XXXX XXXX thats the XXXX XXXX court house. so there no need for me to owe any money to this department called one advantage and i keep getting harassed by them taht i have till XX/XX/XXXX to pay up. no that impossible im still going to XXXX XXXX there still giving me treatment there and i remember when someone working there stated that if im still in XXXX XXXX and i said yes to them because at first they had me as like i was not there and im pretty so they missed up on my paper for them to charge me this bill when i was still XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and the XXXX XXXX is a free on the state of Florida program people that have problems with XXXX. this is so unprofessional for the XXXX XXXX XXXX to be charging me this. i have nothing to do with this bill no one every told me i had to pay and it stated as a check up no my judge clearly told me this is a program i needed to stay in to be well taking care of so i shouldn't be paying this bill out of my pocket i have nothing to do with this and if you need anymore information about the situation i would be glad to give you more informationabout my situation. i would be waiting for you guys respond. thank you for letting me explain the situation.
11/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 27616	Web
XXXX XXXX originally charged-off my XXXX credit card account in the amount of {$3900.00} in XX/XX/XXXX. XXXX XXXX the principal, assigned the collection of this account to its agent, Firstsource Advantage , LLC. While this account was outsourced to Firstsource Advantage , LLC for collection, XXXX XX/XX/XXXX continued to report the account balance to the three major credit bureaus - XXXX, XXXX, and XXXX. I paid this account in full to Firstsource Advantage , LLC through a combination of partial payments, culminating in a final payoff amount of {$2100.00}, made on XX/XX/XXXX via electronic check from my XXXX XXXX checking account. I called Firstsource Advantage , LLC several days after making this payment, to inquire as to whether they had informed XXXX XX/XX/XXXX that the debt had been paid in full. I was told that Firstsource Advantage , LLC would " wait a few days '' for the payment to fully clear, and then notify XXXX Bank that the account was paid in full. I received an " Account Paid in Full '' statement dated XX/XX/XXXX from Firstsource Advantage , LLC via First Class Mail. I then contacted XXXX Bank over the next several days, only to learn that they showed the remaining balance on the account of {$2100.00} as still outstanding and delinquent, and were reporting the same to the three credit bureaus. I then called Firstsource Advantage , LLC repeatedly. I spoke to an " operational supervisor '' named XXXX XXXX, who initially told me he was " going to do everything he could to help me. '' The next time I spoke to XXXX XXXXXXXX and inquired as to why no communication had been made to XXXX XX/XX/XXXX, he asked me, " Why should I treat you any different? '' He then told me that Firstsource Advantage , LLC was going to wait " 21 days '' before notifying XXXXXX/XX/XXXXthat my account was paid in full. The last time I spoke with XXXX XXXXXXXX was Thursday, XX/XX/XXXX. I had spoken to a XXXX XX/XX/XXXX representative named " XXXX '' just minutes before speaking to XXXX XXXXXXXXXXXX XXXX XXXX accused me of lying about having to spoken to a XXXX XX/XX/XXXX representative because the XXXX was a bank holiday. I assured him that I had in fact spoken to XXXX and provided him with the toll-free telephone number that I had called. At this point XXXX XXXXXXXX informed me that Firstsource Advantage , LLC was going to wait " 21 business days '' before notifying XXXX XX/XX/XXXX that my account was paid in full, and this would be either Friday, XX/XX/XXXX or Monday, XX/XX/XXXX. As of the close of business on Friday, XX/XX/XXXX, XXXX XX/XX/XXXX had not been notified by Firstsource Advantage , LLC that my account was paid in full. On Monday, XX/XX/XXXX, it will have been 21 business days ( not including XX/XX/XXXX ) and 32 calendar days since my debt was paid in full to Firstsource Advantage , LLC, the debt recovery/collection agent for XXXX XXXX XXXX This egregious delay has prohibited me from obtaining an Economic Injury Disaster Loan ( EIDL ) from the U.S. Small Business Administration in excess of {$100000.00}. This will not stand. Unless I receive written notification and proof by the close of business on Monday, XX/XX/XXXX that XXXX XX/XX/XXXX was notified that my XX/XX/XXXX account was paid in full, I will be commencing legal action against all parties involved.
08/30/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	WA 986XX	Web
XX/XX/XXXX XXXX. I live in XXXX, XXXX and am covered by our medicare program through Medicare/Medicade known as the XXXX XXXX XXXX. Although I have to go to an in network general practice doctor in the event I suffer a medical emergency ( I.E. Being taken XXXX from my hotel room to XXXX XXXX Hospital where I XXXX ) my XXXX XXXX Plan provider ( XXXX for short ) pays XXXX % of all the costs, regardless of where this hospital is located. In this case it was XXXX XXXX in XXXX, XXXX. I did not even know my name or if I had a girlfriend or really anything else for that matter for another few days. When my family found out what had happened they traveled immediately from XXXX to XXXX and kind of help me piece everything together. When I discharged from the hospital 6 days later I went to the business office and explained to them that I had medicare/medicaid through XXXX Family Care and thats who they should bill. They said they would and that was the last I heard of it until last Friday, XXXX XXXX, XXXX XXXX contacted me to tell me my credit score had fallen XXXX points. Apparently the hospital had failed to bill XXXX XXXX and had placed the bill for collection. I tried to get a copy of the bill mailed to me, the hospital refused to do so saying I needed to come in person. Trying to explain I live in XXXX, XXXX and so that was not possible-apparently the address they had on file was the XXXX XXXX where the ambulance picked me up from. Security had held onto my wallet with the rest of my luggage so the day I was released I litterally had to use loner clothes from the lost and found to travel from the hospital to the Hotel. The next morning though, my girlfriend took me back to the hospital so that I could give them my insurance information. I tried reasoning with the collections people telling them this was a billing error on there end! People like me that have medicare/medicade have XXXX copays for everything! The Dr. is free, my meds are free I do n't even have a copay and emergency medicine is FREE! I gave them my member number and the phone/fax of Family Care on XXXX XXXX, after speaking with them they say they where never billed! They assured me that if billed they XXXX would have been paid long ago. Meanwhile, I am suffering terribly from this collection destroying my credit. I no longer qualify for car loan i was prequalified for, my credit card companies will raise my interest rates, etc etc. This is XXXX not billing my insurance company and then placing me in collection. I ca n't get a copy of my bill unless I fly down there myself to retrieve it in person. That 's a XXXX mile round trip! I offered to send them my driver 's license, ss card, utility bill and they would still would not mail my bill. As of today, XXXX/XXXX/XXXX they have not faxed nor contacted my insurance company. The collection company is reporting a bill that that they have been made aware of is a billing error on their end, not me refusing to pay and yet they continue to report this information to the credit bureaus. It 's just wrong.
07/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
I received a debt collection notice from FIRSTOURCE ADVANTAGE, LLC. I request validation of contract between myself and FIRSTOURCE ADVANTAGE, LLC. As far as I know there is no contract, promissory note, application, agreement or any other instrument your company have with my signature establishing an obligation between myself and FIRSTOURCE ADVANTAGE, LLC. I also request proof of contract between your company and the alleged creditor in your records that gives you authorization and my consent to have my information. The deceptive notice received from your company is in violation of my privacy under Privacy Act of 1974. I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. the consumer will take it a step further in seeking remedy per 15 USC 1692k. This notice appears to not only provide false and misleading representation as we have no contract/no agreement but this is also deceptive, abusive and unfair practices which are all violation of Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act. I am prepared to file suit against FIRSTOURCE ADVANTAGE, LLC for invading my privacy, using my identity for your own personal gains as well as threatening to destroy my right to fair credit reporting under the Fair Credit Reporting act but also this damage could affect my rights to credit under the Equal Credit Opportunity Act if fraudulently reported. I ask that unless your company can provide me original signed contracts, that you cease and desist. Your company is harassing me and failed to provide any documentary evidence of such alleged debt. There is no true bill. I am filing several complaints against your company for violations mentioned. This is harassment. This is identity theft. Under California Consumer Privacy Act. I have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING XX/XX/XXXXXXXX AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. DELETE FROM PERSONAL CONSUMER CREDIT REPORT IMMEDIATELY. Your company has no right to collect any alleged debt on any private accounts nor does your company have rights to interfere with investigation and disputes with any alleged creditor. Per 15 USC 1681a consumer report can not have personal transaction history. According to IRS publication any charged off or collections accounts are considered a certificate of indebtedness with is income and income can not be reported on my consumer report. You are in violation as a debt collector buying alleged debt which would actually be considered income that is to be reported to IRS. YOU ARE BEING DEMANDED TO NOT SHARE INFORMATION TO CONSUMER REPORT. I demand United Collection Bureau to CEASE and DESIST all collection and communications except to provide remedy.
10/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33313	Web
IM A VICTIM OF IDENTITY THEFT I am writing in response to your LETTER I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt. ( 2 ) the name of the creditor to whom the debt is owed. ( 3 ) Provide a verification or copy of any judgment ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) proof with signature As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX XXXX. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, mails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
06/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MA 021XX	Web
XXXX hospital of XXXX XXXX has been sending us medical bills asking us to make payments on bills that have already been paid by the XXXX our health insurance company. They recently sent XXXX of our bills to a collection agency called Firstsource advantage. Firstsource advantage has been leaving automated messages on my wife 's work phone. They also sent us a letter in the mail trying to collect the money. My wife, out of panic made a FULL payment of those amounts resulting into a double payment to XXXX hospital. I am attaching below XXXX payments XXXX made to XXXX hospital including the EFT payment code and date. XXXX hospital is trying to collect the SAME bill from us. 1. Claim DetailsLearn More About Your Claim Details and Paying Claims Online {$300.00} Total Amount billed by Health Care Professional : {$220.00} Your plan pays : {$0.00} Amount you can expect to pay out of pocket : Member : XXXX ( You ) Date ( s ) of Service : XXXX : XXXX : CompletedClaim SummaryClaim ID # : XXXX : CompletedPayment : Made on XXXX/XXXX/2015 to ProviderEFT Number:XXXXHealth Care Professional : XXXX XXXXYou PayYour Plan PaysAmount $ XXXX received by XXXX on XXXX/XXXX/2015 {$220.00} $ XXXX XXXX member rateSERVICES IN THIS CLAIM : Open XXXX, WITH XXXX $ XXXX paid ( excluded by plan ) $ XXXX paid toward meeting your deductible $ XXXX paid toward your remaining coinsurance $ XXXX copay amount {$0.00} Your total responsibility : {$0.00} Total amount you can expect to pay out of pocket : CLAIM XXXX DetailsLearn More About Your Claim Details and Paying Claims Online {$420.00} Total Amount billed by Health Care Professional : {$290.00} Your plan pays : {$0.00} Amount you can expect to pay out of pocket : Member : XXXX ( Daughter ) Date ( s ) of Service : XXXX : MedicalStatus : CompletedClaim SummaryClaim ID # : XXXX : CompletedPayment : Made on XXXX/XXXX/2015 to ProviderEFT XXXX Care Professional : XXXX XXXX PayYour Plan PaysAmount $ XXXX received by XXXX XXXX XXXX/XXXX/2015 {$290.00} $ XXXX XXXX member rateSERVICES IN THIS CLAIM : Open AllMEDICAL SERVICES $ XXXXNot paid ( excluded by plan ) $ XXXX paid toward meeting your deductible $ XXXX paid toward your remaining coinsurance $ XXXX copay amount {$0.00} Your total responsibility : {$0.00} Total amount you can expect to pay out of pocket : THIS IS A SCARE TACTIC BEING USED TO COLLECT MONEY ON BILLS WHICH WE DO NOT EVEN OWE.. NOT ONLY ARE WE CALLED BUT WE ALSO HAVE TO LIVE IN THE FEAR OF BEING REPORTED TO CREDIT AGENCY AND OUR CREDIT HISTORY WRONGLY MANIPULATED. THIS IS UNETHICAL AND IMMORAL. XXXX and XXXX 's hospital IS RESPONSIBLE FOR IT BUT SO IS FIRSTSOURCE ADVANTAGE llc. WE WOULD LIKE OUR MONEY BACK. PLEASE CONTACT US VIA PHONE OR EMAIL FOR FURTHER QUESTIONS.
09/23/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76039	Web
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
06/24/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 645XX	Web	Servicemember
I ordered shirts from a XXXX Company ( XXXX ), that is located in XXXX, and elected to make payments using a third party payment program, called " XXXX ''. I received my first order of shirts in about three weeks. I tried one on, and it didn't fit. Since all of the shirts were Hawaiin style shirts, I didn't need to try every shirt on. I packaged the shirt in it's original package, and contacted XXXX and XXXX for a return authorization number for all of the shirts. XXXX contacted me back via email, and stated that they would give me 35 % off of my next order, if I keep the shirts. I emailed back, that I am not keeping shirts that do not fit. They emailed back, that if I return the shirts, that they might get lost or stolen. I emailed back, asking, " how would they get lost or stolen with tracking numbers and signature confirmation? '' No answer to that question, but they sent me a return authorization number, and where to send the items to, and it wasn't back to XXXX. It was some address in California. After spending {$38.00} out of pocket, to send their junk back, with tracking numbers and signature confirmation of return, I contacted " XXXX '' by email of the situation, and received the same XXXX responses from them as well. I told them that the items were returned with tracking numbers, and signature confirmation of return, and that I am not making anymore payments. I also stated that I want my money back from the previous payments. They emailed me stating that I still need to continue to make payments until they get confirmation from XXXX. I emailed stating that I am not making anymore payments, and that I'm filing a dispute with my credit card company, which I did, and received part of my money back. They emailed back asking me to send pictures of the returned items, showing the tracking numbers. As I stated earlier, everything was still in the original packaging, so not much to see, except the packaging with the postal information on the outside. XXXX asked for pictures too, showing the packages with return address and tracking numbers. I just recevied an email from a debt collector ( firstsource ADVANTAGE ) trying to collect for " XXXX and XXXX, on merchandise that I returned on XX/XX/2022. Now after being harassed by three different companies, I want the money ( {$38.00} ) back that I paid out of pocket, to return the items. Everything that I have stated in this post, is documented in black and white with all three companies, via emails.
12/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web
I received a debt collection letter from One Advantage , LLC, XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ( phone # XXXX ) with my name but a different person 's name in the Account Name field. It says that the Creditor is XXXX XXXX XXXX ( M ) and that it's for a date of service of XX/XX/XXXX for {$110.00}. We don't live in Missouri or do business in Missouri. It states nothing of what the debt is for and states that I have been placed in collections. I tried calling within their regular business hours immediately upon my receipt of the notice in the mail ( XX/XX/XXXX ) and I was placed on hold with a voice recording that promised to connect me with a person ( the voice recording was in both English and XXXX ) and then after waiting it automatically switched me to an answering service stating to leave a message. This sounds like an illegitimate business. The message I left on their voice recording is that I was calling to report fraud. When I looked up One Advantage with the XXXX there were numerous complaints and it said that it's not an accredited business and that it has only been around for 5 years. It also seems predatory because the XXXX lists One Advantage , LLC with a Florida address for the business and not the Indiana address on my letter. The fact that I haven't received ANYTHING in the mail prior to this from XXXX of Missouri makes me suspicious. Any company is going to try to bill their own debt first before sending it to a collections company. I have not received any bills and have no idea what this debt is for or if it's even legitimate. The information is vague and I feel like it's a scam since the date of service listed is from 3+ years ago and I have no knowledge of what this is. I open and deal with all of the mail for our household and would have seen a bill and addressed it 3 years ago. The letter that I received from One Advantage , LLC on XX/XX/XXXX states that I have 30 days from the date of the letter ( XX/XX/XXXX ) to dispute the charges. I tried calling to do this on XX/XX/XXXX and I am going to mail a letter. My concern is that I can't send a certified letter to a PO Box . So how do I certify that they actually get my written dispute letter within the 30 day window that they require. There is no place to dispute this claim online with the company. In fact, the company web address has another mailing address listed as One Advantage , LLC, XXXX XXXX XXXX, XXXX, IL XXXX.
03/03/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33311	Web
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Todays date : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( 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 XX/XX/XXXXc-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 XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ONE ADVANTAGE LLC account numbers are XXXX, XXXX, XXXX and all account pertaining to my social. I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
01/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33064	Web
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX {$1100.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX {$1100.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
03/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
My most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. I have never heard of nor done any business affiliation with them. I requested VALIDATION of the debt which was not provided. It is absurd that this company put something like this on my credit file. I found that to be odd because the credit bureau is to report nothing but accurate information about me. So how are they supplying information to the credit bureaus about me when they have not provided me with validation. I am requesting the following ; Show me how you calculated what you say I owe. Copies of signed documentation that show I agreed to pay what you say I owe. What bounds me to you? What kind of business dealing have I done with you? As a reference, please see the below accounts in question that must be REMOVED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - Here is what the law states about investigations : 623. ( b ) Duties of furnishers of information upon notice of dispute. ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and which compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly : ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
05/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63111	Web	Servicemember
On XX/XX/XXXX I went to the hospital to receive XXXX XXXX. At the time, My XXXX did not offer medical insurance so I had to pay out of pocket and subsequently applied for Bill payment assistance through the hospital. The hospital billed me for their service s within 3months and I was only able to receive minimal relief from the hospitals Bill payment assistance program. I paid the balance of the charges from the hospital in full before the end of XX/XX/XXXX. As far as I was concerned the hospital had been paid. On about XXXX XXXX I was contacted by phone from a debt collector claiming I owed an unpaid balance of {$260.00} for XXXX XXXX rendered by the hospital dating back to XXXX XXXX. The original date of my first and only visit to the hospital. So after speaking with this debt collector, who told me that our phone conversation would be recorded for purposes of collecting a debt, we had agreed that I would make the first installment of {$100.00} USD and it could be made online. A couple of days later I received a billing statement from their local office stating the name of the hospital and the full amount I owed including my account number of the debt collector and local address and phone number. So I went online to make the full payment but the website would only accept {$100.00} increments per transaction so over the course of 3 days ranging from XXXX I made the incremental payment amounts and on XX/XX/XXXX I paid the final amount of {$62.00} which should have satisfied the payment of the total debt of {$260.00}. However as I have went online to my debit card company and checked the amounts paid out to the debt collector it shows that my card was charged for {$330.00} to the debt collector with the most recent charge on XX/XX/XXXX. An overcharged amount. Whenever I called the local office a few miles away I talked with a service representative who said my account officer would be handling my issue, she hung up on me. So I called the parent office on XXXX XXXX located in florida and I was hung up on once again the call I made to Florida was placed at about XXXX XXXX their office closes at XXXX XXXX. Noone from the company is handling my issue and I keep getting hung up on. Whenever I called the hospital directly they have no record of My Bill being delinquent nor do they have any unpaid balances.
08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23464	Web
Date Sent : XX/XX/2023 Company : XXXX XXXX RE : Account # XXXX - {$670.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
08/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30019	Web
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX Reference : XXXX Creditor : One Advantage, LLC XXXX XXXX XXXX XXXX XXXX XXXX La XXXX, IN XXXX XX/XX/2022 Dear One Advantage, LLC After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and XXXX authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Best Regards, XXXX XXXX
05/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76137	Web
ON XX/XX/XXXX I called One Advantage LLC formally known as Firstsource Advantage , LLC at telephone number XXXX about a collection on my credit report I spoke with a rep by the name of XXXX that stated he could not hear me I asked him to hold while I adjust my phone he hung up on me. I then called the same number back ( XXXX ) again and spoke with a XXXX XXXX that first asked me the spelling of my last name then first name and then my date o f birth. I told her that I had a copy of my credit report and it had her company listed and I was not familiar with that company nor did I owe that company. She stated to me that her company purchased my account from XXXX XXXX XXXX for a XXXX XXXX that I received on XX/XX/XXXX . First of all I never received a XXXX because the wait was long I left the hospital, so the hospital charged the insurance company for service I never received, needless to say then supposedly send me to a collection company for service or something that I never heard of. I asked her if she could send me verified documentation with my signature and social security number to verify what she saying is correct and she said that she would not have that information. I then stated to her unless she could verify that I owe her company {$1300.00} the collection from her company should be removed from my credit report immediately. She refused and stated that the amount and debt was valid. I told her that I never received any services from XXXX and she again stated that I received a XXXX XXXX . If I would have received any service for the collection company to know what service a hospital provided if any were provided is against HIPPA v iolations so for that reason alone and the fact that I never received any services and nothing can be validated I am requesting that again One Advantage remove this insane debt off of ALL XXXX OF MY CREDIT REPORTING AGENCEIES ( XXXX , XXXX , XXXX ) it 's damaging my credit rating and causing me hardship of not being able to purchase my home. Thank you
07/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33068	Web
This dispute was origianlly filed under XXXX but was closed as a duplicte which it was not and if it had been looked at the difference in account number and balance stated would have been recognised. In XXXX my identification was compromised in a breach by a professional service provider business and I believe that my identification was used to obtain services in the years that have followed. After accessing my credit report on XX/XX/XXXX I found an entry reporting as an open account that was unknown to me in the amount of {$410.00}. I disputed this with the bureaus and as a violation of the FCRA and FDCPA and I requested in writing full validation under the Violation of the Fair Reporting Act from XXXX XXXX XXXX with the account number XXXX who were reporting for their client XXXX XXXX XXXX. See attached XXXX XXXX report number : XXXX dated XX/XX/XXXX. On XX/XX/XXXX I had a telephone conversation with an agent of the collection agent who is reporting the account # XXXX to XXXX XXXX. I was advised that the unknown account was validated and I request to know who validated this account as mine. I was also advised by the agent that the total reported as past due on this account was {$410.00} and opened XX/XX/XXXX. I am appalled that my statements and requests have fell upon dead ears therefore, I challenge the accuracy, compliance and reputability of this listing. I require that XXXX XXXX XXXX validate this information they are reporting against me and provide me with copies of documentation associated with this account, bearing my signature and my image. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
03/22/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	ME 042XX	Web
After being advised of a large debt on my credit report on XX/XX/XXXX, I contacted XXXX on XX/XX/XXXX, who very vaguely told me that my account was " Charged-Off '' and I needed to contact FirstSource ( the collection agency ) which XXXX supplied the phone number to me. I asked XXXX to send me a copy of my back statements so I could find out what happened & when. As of this date ( XX/XX/XXXX ), I still have never received anything from XXXX XXXX. I then contacted FirstSource on XX/XX/XXXX and asked them about my account. I was told they just received the info. They looked into it and contacted me back the next day ( XX/XX/XXXX ). Since then I was getting a call a day from FirstSource, occasionally 2 or 3 calls a day, until I asked them to not call me every day about it & I was looking into the matter. On XX/XX/XXXX, I received an envelope from FirstSource postmarked XX/XX/XXXX with copies of my statements for the past year, and a letter from them dated XX/XX/XXXX. Going back through all my previous statements, I found that this automatic withdraw payment problem with XXXX XXXX has been going on since XX/XX/XXXX. I do not look at statements every month and knowing my other XXXX XXXX accounts are on an automatic withdraw payment plan with no issues, I did not know there was a problem. To this day, I still have not found or received any info from XXXX XXXX advising there was a problem with this account. Every month, XXXX has been adding late fees, returned payment fees, interest fees, and changing the APR rate ( there may be more that I am unaware of ). The amounts keep changing, some months are higher & others are lower. When I originally spoke with the lady at FirstSource, she agreed with me, seeing my information coincided with what she was seeing. Another issue compounding to this problem was my original XXXX account number had been compromised. XXXX issued a new card with a new number. I received 2 from calls FirstSource last week, 2 more calls on XX/XX/XXXX and another one last night.
10/11/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IL 60035	Web
I am disputing a debt form XXXX XXXX that was transferred to the debt collection company of Firstsource Advantage LLC. I owed XXXX an original debt of something like XXXX for annual usage fee. I do n't really use this card all that much so I wanted to pay off that balance and close the account. They said my best option was to use the points that I earned over time and convert that to $ $ $ pay off the balance and close the account. I said great, that is what I will do, please use my points to pay off the balance and close the account. I even had XXXX or something unused points left which amounted to like XXXX dollars that I simply was forfeiting to close the account. Well, months later I continue to get billed by XXXX. I said I paid this balance and my account should be closed. The monthly Bills kept coming much to my surprise. When I called them and tried to explain the account should have been paid off, they said we are going to refer your account to collections. I guess they were serious. I once again called XXXX to explain myself and even wanted to use those extra points that I had to pay off whatever was left, but they said my account is in collections and I have XXXX points. I tried explaining this to Firstsource and they refuse to listen, and said if I do not pay, that the interest will keep accumulating. I offered a partial settlement to make it " go away '' and they refuse saying I need to pay entirely which is now {$260.00}. I feel this is completely unfair by Firstsource and XXXX when all I wanted to do was close my account on a card that is not useful to me. I tried to setttle, I tried to do pay it off, and no one wants to listen. All they want is MONEY MONEY MONEY. This debt was paid .... unfortunately, I do not really have any supporting documents ... ... The only thing that would PROVE MY CASE is listening to the conversation I had with XXXX that PROVES I used my points to pay off my debt and CLOSE my account. Thank you for taking the time to read my story.
07/28/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OH 45239	Web
XX/XX/XXXX I was billed {$1400.00} I logged into XXXX the portal I am able to view and pay my medical bills through. I began making monthly payments on the bill above. That bill then went into dispute, or reevaluation for coding. So I only had made one payment toward that bill prior to reevaluation of : {$25.00}. I was XXXX with a XXXX XXXX XX/XX/XXXX of XXXX, accumulating more bills within my XXXX portal. I began paying monthly on them. I received an email stating that I was able to sign up for a program called XXXX where they would tell me what to pay monthly. It was listed as optional. I have attached the screenshots from that email. I decided that I knew my financial ability and status better than them, so I never signed up for the XXXX program. Apparently XXXX financial department automatically took that bill from XX/XX/XXXX and enrolled me in XXXX of XXXX, when the reevaluation of coding came through. By them enrolling me in XXXX, my bill of now {$1300.00} no longer appeared XXXX my XXXX portal where ALL of my other and remainder medical bills were listed and being paid on. So when I called in XXXX of XXXX to pay ALL of my medical bills in full that one bill of {$1300.00} was not included in the lump payment I made, unbeknownst to me. I had no idea I had a large medical bill removed from my XXXX and no idea it was not included in the lump payment I made to XXXX. So now as of XX/XX/XXXX I was sent to OneAdvantage collections agency for the {$1300.00}. I clearly was making good faith payments on all of my medical bills, never requested a third party to take over managing my bill collection and I attempted to pay all my bills in full on XXXX. I feel as though XXXX is deceptive with the XXXX program, especially automatically enrolling ONE of my bills in it and REMOVING said bill from the patient portal we are instructed to utilize. XXXX is suppose to be a one stop shop, until they remove your bills unbeknownst to you and then send you to collections for no payment.
12/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33311	Web
ONE ADVANTAGE LLC ACCOUNT NUMBERs : XXXX XXXX XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ONE ADVANTAGE LLC or any company associate with this account # XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ONE ADVANTAGE LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
07/15/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	VA 22192	Web	Servicemember
I held a debt amount with XXXX XXXX XXXX Online ( XXXX XXXX XXXX ) and was originally owed tuition reimbursement for dropped classes. I held a balance with the school and was told I did not have to fulfill the balance until my reimbursement was received. After coordinating my tuition reimbursement I called the school to pay the amount due and they notified me that they forwarded my balance to collections. This is the first issue. After receiving that information I called the collections agency involved ( XXXX ) and was told that I could not remove the balance from my account due to it being a student loan and that my amount due was more than my reimbursement amount. I initially paid half of the balance up front and paid the remaining balance on XXXX/XXXX/2015. I have a written paid in full email from XXXX. Two months later I was contacted by First-Source Collections agency via phone and was told that I have a balance from XXXX XXXX XXXX ( XXXX XXXX XXXX ). I immediately disputed the claim and asked for contact information to submit my paid in full letter from XXXX. After submitting the letter First Source called me back 1 month later and informed me that I still had a balance from XXXX and that it was forwarded from XXXX to XXXX and then XXXX disbursed the amount remaining to the company that now owns the amount First Source. I was originally told by XXXX that my only balance that was originally held with XXXX was my only balance on record with the company when I originally made my dispute. My issue is that a random $ 1600.00+ balance was wrongfully generated with XXXX XXXX and that without justification they reported to my credit the loan amount while it was still in dispute. This amount is completely false and I believe that XXXX XXXX XXXX via First Source is fraudulently trying to charge me already paid for sums of money originally held by XXXX and paid for by myself.
10/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30339	Web
I DONT HAVE AN ACCOUNT NUMBER FOR THIS DISPUTE BECAUSE OF THE ARROGANCE AND CORRUPTION OF XXXX XXXX XXXX XXXX XXXX NEVER SAW ME AND THEY NEVER NOTIFIED ME OF BILLING AND HAD THE NERVE TO REPORT THIS TO A XXXX CREDIT COLLECTOR WITHOUT MT KNOWLEDGE OF EVEN A BILL LET ALONE A COLLECTION. I checked into XXXX XXXX Hospital ( XXXX, Georgia- XXXX County - corrupt Government Hospital minoritys preferred - XXXX XXXX over XXXX & this Hospital Administration is corrupt ) Emergency room and the wait was hours so I left. I never saw a nurse nor hospital employee to take vitals - nothing. These people ( this Government funded Hospital ) billed me without my knowledge ... never a mail notification sent to my home address, not a phone call - nothing. Then these nefarious Hospital administrators reported this to a credit reporting Agency without my knowledge. This is unacceptable and who do these wanton unlawful non-law abiding XXXX XXXX Hospital Arrogant Administrators think they are ... I mean really??!!?? No notification to me personally at all? THIS IS CRIMINAL AND I WANT TO FILE A LEGAL DISPUTE FOR HARDSHIP AND DAMAGES. This is not the 1st time this has happened. Years ago I beat up by a thug and rushed to XXXX Hospital in a ambulance and was in traction. I have them my insurance via my employer XXXX XXXX XXXX in 2009 and these XXXX XXXX Hospital Government Administrators under the Obama Administration did the same thing.. this time for {$9800.00} - reporting to a credit agency unlawfully as I had medical insurance and was covered and they did not notify me of billing, any balances, nothing! These nefarious employees filed a credit collections against me and requested the Trump Administration to drain this XXXX XXXX Hospital swamp! Take this off my report please by informing them of this dispute with you and want to sue them legally if not resolved immediately!
06/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33068	Web
In XX/XX/XXXX my identification was compromised in a breach by a professional service provider business and I believe that my identification was used to obtain services in the years that have followed. After accessing my credit report on XX/XX/XXXX I found an entry reporting as an open account that was unknown to me in the amount of {$1400.00}. I disputed this with the bureaus and as a violation of the FCRA and FDCPA and I requested in writing full validation under the Violation of the Fair Reporting Act from XXXX XXXX XXXX with the account number XXXX who were reporting for their client XXXX XXXX XXXX. See attached XXXX XXXX report number : XXXX dated XX/XX/XXXX. On XX/XX/XXXX I had a telephone conversation with an agent of the collection agent who is reporting the account # XXXX to XXXX XXXX. I was advised that the unknown account was validated and I request to know who validated this account as mine. I was also advised by the agent that the total reported as past due on this account was {$1400.00} and opened XX/XX/XXXX. I am appalled that my statements and requests have fell upon dead ears therefore, I challenge the accuracy, compliance and reputability of this listing. I require that XXXX XXXX XXXX validate this information they are reporting against me and provide me with copies of documentation associated with this account, bearing my signature and my image. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
04/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IN 471XX	Web
Bankruptcy Case # XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Original Account Number # XXXX for {$140.00} 2 Years ago after our bankruptcy was discharged we received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX, stating that we owed a bill from XXXXXXXX XXXX XXXX and that we owed them {$140.00}. We checked our XXXX credit report and sure enough they recently started to report to them. We called them and told them this account was part of a bankruptcy and the bill was taken care of and that we filed a dispute online to remove it from my credit report. They denied that it was part of the bankruptcy and requested proof. We contacted our bankruptcy lawyers, they checked and it was, so they faxed XXXX XXXX XXXX a copy of the bankruptcy report. Our dispute went through, and it was also removed from our credit report. We haven't heard a thing from them since. Today, XX/XX/XXXX I checked my credit report more thoroughly than normal and noticed that 6 months ago, XX/XX/XXXX to be exact, they relisted it on my transunion credit report lowering my rating again. They tried to fool us by not putting the orginal date that the XXXX was on which was XX/XX/XXXX, and just listed the opening date as XX/XX/XXXX. No other dates were visable, it was made to look like a newly turned in debt. I called the XXXX XXXX XXXX and told them that my lawyer had already faxed them the information on our bankruptcy, she still denied having it telling me I needed to have them send the information in again. We contacted our lawyer again, and they are resending the bankruptcy information and we filed a dispute again with transunion to try to get this off of our credit score. Our lawyer told us we needed to contact you to get them to stop harassing me, when we paid our debts by paying off our bankruptcy.
10/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 622XX	Web
On XX/XX/XXXX I contacted XXXX XXXX XXXX, IL to pay a {$120.00} debt that I owned. On that same day I received a letter in the mail saying the bill had been sent to collections. I called the debt collector and told them I had just paid this with the hospital and I also provided my confirmation number for my payment. On XX/XX/XXXX I show that the {$120.00} that I paid to the hospital was taken out of my bank account. Now on XX/XX/XXXX I was left a voicemail by the debt collector saying I needed to call them. When I called I stated I did not have any outstanding debt that I know of. The case worker assigned to me was very rude off the bat for no reason. When I told her I had already paid this debt, the case worker was rude and adamant that I was wrong and that I still owned the money, that the confirmation number I provided, the hospital said I did not pay. When I asked why am I just now getting a phone call over a month later she said she has called and left many voicemails but I can also prove with phone records that I do not have a single call or voicemail from her. I stated that if she did call me, would she not think I would call her back like I am now, since I didnt believe I had any outstanding debt? She got even more agitated when I said this better not go against my credit because I know and have proof I paid it. After getting off the phone with the debt collector, I called the hospital and they even confirmed that I DID pay and my account had a XXXX balance. The hospital told me to ignore the collection agency but this needs to be resolved because I do not trust the caseworker to handle this professionally based off her rude attitude from the start. I own a business and if an employee talked to any customer this way they would be out the door.
11/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NJ 07030	Web
I have contacted First Source Advantage LLC numerous times with dispute letters. After being ignored by the company while they illegally pulled my credit and continued to access my credit file, I contacted the Federal Trade Commission and filed FTC XXXX # XXXX. I sent First Source Advantage LLC another dispute letter by Certified Mail on XX/XX/2020, USPS tracking # XXXX XXXX XXXX XXXX XXXX. The company signed for my most recent dispute letter on XX/XX/2020 at XXXX XXXX. However, it is now XX/XX/2020 and just like all of the other times First Source Advantage LLC is contacted, they never respond. After their committed failures to respond to any dispute letters sent to them. Prior to now, the company was illegally accessing my consumer credit reports and placing credit pulling inquiries on my credit. I became aware of their unethical business practices when I obtained a copy of my credit reports. However, the company still fails to respond to me or any of my dispute letters sent to them. Yet, they still update themselves and the account each month with the credit bureaus. This is unethical and this is done by them on purpose. Their illegal and deceptive tactic is to pull credit, place an account on my credit, all while failing to ever notify me or contact me. And once I found out about their illegal actions and contacted First Source Advantage with dispute letters ; First Source Advantage purposely updates the account each month with the credit bureaus, all while purposely ignoring all of my dispute letters. This needs to stop. Such illegal patterns should not be tolerated or accepted. They are not looking to operate in accordance with the laws of the FTC and FDCPA, they are using every deceptive technique possible to break the laws on purpose.
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95843	Web
On or around XX/XX/XXXX, I received a letter from the collection agency, The XXXX XXXX XXXX XXXX, stating that they were trying to collect a debt ( {$360.00} ) that I had with XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX ). And they will use any information I give them to collect the debt. Ref. # XXXX - My name as seen on the account : XXXX XXXX XXXX. Additional collection agencies whom I received the same type of letter : XX/XX/XXXX - XXXX XXXX XXXX - {$570.00} ( Original creditor XXXX XXXX XXXX. regarding XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX. - ref. # XXXX - {$320.00} - regarding XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX - {$320.00} - Regarding XXXX XXXX - Ref. # XXXX XX/XX/XXXX - Firstsource Advantage , LLC - {$710.00} Re : XXXX XXXX XXXX. - Ref. # XXXX In accordance with the Fair Credit Reporting Act, the list of accounts attached have violated Federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instruction. 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 convictions of crimes which antedates the report by more than 7 years. 15 U.S.C.s 2 ( A ) ( 1 ) states a person shall not furnish any information relating to consumer t5o any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See attached supporting document.
02/26/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31721	Web
XX/XX/2020, {$1000.00} due for hospital charges not covered. I spoke with a XXXX at One Advantage, LLC. after receiving a notice there was a debt of {$1000.00} from the hospital that was due. I informed her that I was never sent a bill from the hospital about the remaining balance and that I wanted to make payment arrangements because I didn't have that kind of money upfront. I told her that I was paying other medical bills to the same hospital for the same date of service and that this was never on those bills. The most I could pay would be {$50.00} a month. She said that was not an acceptable amount and that is probably why I didn't get a bill for this balance because the lowest amount they would accept would be {$200.00} a month. I told her I had XXXX kids and could not make that type of payment. She stated " that's nice you have XXXX kids, you need to use your tax return to pay off the balance. '' I stated that was not going to work as I had other obligations and that was inappropriate she even suggest. She said well if I want to send the {$50.00} in they would not refuse it but that if the balance is not paid off in six months they could sell the account to another agency and that agency may charge interest and it would mess up my credit. I asked her about interest being charged on a medical bill and she stated some agencies charge interest and that it would be in my best interest to pay them off quickly before they sold it to another company that would charge interest on the balance due. I made the {$50.00} payment, as that is all that I have, but I called the hospital and they confirmed they don't charge interest on medical bills. At this point I don't know who to believe.
05/15/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76063	Web
XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of First Source Advantage LLC. This collection agency is slandering my name, as well as my credit, by attempting to collect on a debt that they did not verify with me prior to placing that debt onto my credit files. This debt collector has made calls leaving voicemails, as well as making subsequent follow-up calls, someone by the name of XXXX XXXX, from a ( XXXX ) XXXX. XXXX left a reference number of XXXX in the voicemail that was left. Calls have also been made to people whom they believe to be my friends, or relatives, and that is wrong. I know nothing about this company, nor the debt that they have wrongfully put onto my credit files without my prior knowledge. I do not owe that collection agency anything, and I want them to cease and desist from contacting me, or anyone that is associated with me, or I will be contacting an attorney. As well as, I want them to remove any and all of the fraudulent derogatory collection information that they have placed onto my credit files, as well as their company files. I want the Consumer Financial Protection Bureau fully involved in this complaint, the collection agency can contact the CFPB, and the CFPB, can contact me. I want hard copy proof from a letter with their letterhead when they have removed the slanderous derogatory information from my credit files. I would like proof that this company is licensed to collect in my state. And I would also like for them to provide their license numbers, and Registered Agent documentation.
03/22/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CA 94015	Web
I withdrew from school- XXXX XXXX on XXXX/XXXX/14 because of numerous issues. I asked for a final bill and was told it would take 30 days to review my account. I waited the 30 days and was presented with a final bill of which I paid in full. I received an acknowledgment letter dated XXXX XXXX 2014 ; indicating that after their review and all financial aid returned that I had a XXXX balance. I have that letter in my possession. On XXXX XXXX XXXX- contacted me and said that they applied grants to my current schooling after I had already withdrew .... some 8 days later on XXXX/XXXX/14 they applied grants to my tuition despite me being withdrawn from the school. None the less per their letter to me they had reviewed my account per their policy and presented me with a final bill. I have spent the last two years telling them I do not owe the money that this was their mistake and that I followed all their procedures and did everything they asked me to do. Why if they reviewed my account and found that I owed no monies did they come back say I now owe them money. They have sent me to two collections agencies who after reviewing my documents concluded they can not collect the monies. Yet AIU-online then sends me to another collection agency and I find myself repeating the process to stop the collection process for monies I do not owe. This has become harassment and the XXXX refuses to acknowledge that this is their mistake and one I will not pay for. Also they keep changing the reasons why they claim I owe this money. Please help me with this ... .. this has gone to far and I am at a loss on what to do.
04/03/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53202	Web
- Company name : FIRSTSOURCE ADVANTAGE , LLC - Dates of contact : XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call ( 1st voicemail ) - Complaint : As referenced above, Firstsource Advantage , LLC has attempted to contact me ( 7 ) times. Firstsource Advantage , LLC has not sent me any letters attempting to inform me of the claimed debt nor has Firstsource Advantage , LLC given me an opportunity to dispute claimed debt. On XX/XX/XXXX I recieved my ( 1st ) voicemail from Firstsource Advantage , LLC informing me of their debt collection attempts, along with a 'reference number ' and phone number to contact their offices through. On XX/XX/XXXX at, or around XXXX XXXX I researched the number I was contacted by through XXXX and found Firstsource Advantage, LLCs ' contact number ; I informed an individual that I demand Firstsource Advantage , LLC makes no further attempts at contacting me. I then called the number I was originally contacted by [ XXXX ] and informed a second individual that I demand to not be contacted any further about any claimed debts. Firstsource Advantage , LLC is in clear violation of FDCPA Section 1692g ( a ) which requires a debt collector to send a written notice of a claimed debt to a consumer within five days of the collector 's initial attempt to collect a debt and specifies what information the notice must contain.
08/14/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 859XX	Web
A debt collection company named Firstsource has bought a debt from a Credit Card company named XXXX XXXX. I informed XXXX XXXX previously that this is not my debt. The amount stated I owed was {$1000.00}. I requested several times from XXXX XXXX to show me proof this was my debt, as I had never had a contract with them or entered into any agreement. I informed them I never enter into a contract without signing my wet-ink signature on a document in agreement of such terms. This being said, I never opened an account with XXXX XXXX, and XXXX XXXX never showed me proof to the contrary. Now, they have turned over this debt to XXXX XXXX XXXX to collect the debt, which again, I do not owe and never had a relevant account. This complaint is about XXXX XXXX, but I thought an explanation was needed to describe how this entity became involved in an unfounded debt. When Firstsource first sent me notification this debt was turned over to them to collect, I immediately replied to what I have stated here ( first paragraph ), that I never opened an account with XXXX XXXX and do not owe any debt, and demanding Firstsource present to me what I asked of XXXX XXXX, a written wet-ink-signed document memorializing my agreement to such a contract ab initio. Firstsource replied recently nonresponsive to my first complaint and demand of proof of this alleged debt. They have reduced the amount to {$510.00}, but I owe {$0.00}. This company must cease this correspondence unless they have what I am asking for, a written contract with my signature thereon verifying this agreement exists.
05/14/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	CA XXXXX	Web
XX/XX/2022, I received a letter from a Debt collector company that goes by the name of Firstsource Advantage LLC. In the letter I they are telling me they are trying to collect a alleged debt on behalf of XXXX XXXX. I am a consumer and i am well informed of my rights and the federal laws that protect me from unfair debt collection practices and according to the Fair Debt Collection Practices Act, Firstsource Advantage LLC has violated these rules and regulations. I never gave this debt collector permission or consent to contact me, and i have sent them a letter of cease and desist pursuant to 15 USC 1692 C. Also In the letter Firstsource Advantage LLC said " As of the date of this letter, you owe {$2600.00} '' This is a violation because a debt collector can't say i owe anything pursuant to 15 USC 1692 b and also in the letter was said " Firstsource Advantage , LLC is a debt collector. We are trying to collect a debt that you owe XXXX XXXX. We will use any information you give us to help collect the debt '' This is also a violation because a debt collector can not use or obtain information on a consumer to collect a debt and i have proof of this pursuant to 15 USC 1692e ( 10 ). I have been receiving multiple phone calls that have interrupted me at work and caused me a great deal of stress, I have proof of these unwanted phone calls i never gave consent to receive, this is a violation pursuant to 15 USC 1692c. Firstsource Advantage , LLC is responsible for all damages that cost {$1000.00} per violation pursuant to 15 USC 1692k
02/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70726	Web
XXXX XXXX submitted two separates charges to my health insurance for payment. XXXX XXXX XXXX XXXX XXXX declined to pay one of the two separate charges with allegations that XXXX was submitting a duplicate charge/bill. XXXX was not submitting a duplicate charge/bill. The confusion stems from the fact that I visited two different providers on the same day, XX/XX/XXXX. On Tuesday, XX/XX/XXXX, I called XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and I was explained that XXXX sent duplicate charges and that they have declined one. I clarified to the customer service representative that XXXX was billing them correctly because I had received two services by two different providers on the same date at XXXX. Each one for {$350.00} Date : XX/XX/XXXX _-Office Visit- Provider : XXXX XXXX, XXXX XX/XX/XXXX - Office Visit- Provider : XXXX XXXX Place : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer representative offered me her apologies over the phone and offered to fix the problem. Evidently, they have not because XXXX has never ceased to mail me bills. Both bills were originated at XXXX but for two separate services. I called XXXX XXXX XXXX XXXX XXXX. I called XXXX. I have contacted XXXX financial department asking them to stop billing me for a charge that XXXX XXXX XXXX XXXX XXXX owes them. I have written to them on my portal and I sent them a letter with the same request. I do not owe this debt. Please, stop XXXX from harrasing me with this debt collection. Many thanks,
08/30/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 27513	Web
I am writing this letter due to the actions that Firstsource Advantage , LLC has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX XXXX XXXX XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX XXXX XXXX XXXX XXXX They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with Firstsource Advantage , LLC, and that they have purchased from the original creditor. For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. Sincerely yours, XXXX XXXX
10/27/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 63129	Web
Received letter from One Advantage on XX/XX/XXXX ( Document 1 ), for services from XX/XX/XXXX. Now as stated in the previous complaint, I have received ONE single bill that is supposed to be for ALL pending billing issues. This amount sent to me by One Advantage is supposed to be included in what I had to file a XXXX complaint to have my financial aid assistance in XXXX of XXXX ( based on phone calls from XXXX XXXX in XX/XX/XXXX, and the incompetence of its staff ). Furthermore, this amount is no longer valid ; as my insurance company has reprocessed the claim and PAID IT IN FULL. Reference Documents 2 and 3 ; as shown on page one of both documents, the transaction date is XX/XX/XXXX and also shows that my insurance company paid in full. Referencing page two from Documents 2 and 3 ; the claim was sent to the insurance company on XX/XX/XXXX and processed it on XX/XX/XXXX. Referencing Document 1, the claim was processed by One Advantage on XX/XX/XXXX ; which gave XXXX XXXX Hospital fourteen days ( nine business days ) to update their records for this issue before sending it to collections. Note : I did remove the name of the service provider from Documents 2 and 3, as it would give an indication of the nature of the procedure I had. The procedure was required due to an XXXX XXXX XXXX XXXX, in which I am under no obligation to disclose to One Advantage. Furthermore, any employee of One Advantage with knowledge of my medical condition would be a violation of the XXXX and HIPPA.
11/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MO 63136	Web
I disputed 2 accounts on my credit report with XXXX XXXX and they were deleted, however it was reinserted on my credit file The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified. the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). The accounts in question is as followed XXXX Account number XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXAlso XXXX there is an account that was previously deleted and re added One Advantage that I would like a certificate of accurancy.
09/16/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75219	Web
XX/XX/2020 XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX First Source Advantage, LLC XXXX XXXX XXXX XXXX, NY XXXX RE : XXXX XXXX Acct # XXXX Amount {$890.00} Dear First Source Advantage, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of XXXX and will file a complaint with the FTC. In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. Thank you, XXXX XXXX XXXX.
03/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 105XX	Web
I had XXXX in XXXX which XXXX while on business in California. I asked the hotel to call me a taxi. They called an ambulance stating it was their policy if someone needed medical assistance. I refused all treatment in the ambulance so nothing happened in the ambulance other than a ride to the hospital while lay on their gurney. My insurance company paid XXXX % of what it informed me was fair and reasonable for the bill. My recollection is this amounted to approximately {$400.00} for the ambulance service. I offered to settle for the remainder of the bill {$100.00} which by my calculation would be the other XXXX % of the amount that my insurance company said was fair and reasonable. This has never been accepted, but instead this is now the XXXX agency calling and trying to collect significantly more. I did not ask for the ambulance. I did not sign anything stating I would pay for the ambulance unless it was hidden in the hospital registration documents which I read at the time as covering hospital charges. ( This too was signed at a time I was under duress due to pain. ) Even so, it is unreasonable to charge any price the ambulance company chooses that has no relationship to the cost just because they see an opportunity to gouge someone who can afford to pay more than the services are worth. ( Please note : I have selected the " best '' description above ; the debt is mine. My logic is that the amounts in excess of what I feel is fair, are not mine. )
11/03/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34221	Web
XXXXirst Source is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. First Source has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates ; First Source has been reporting to all 3 credit bureau Since 2019. First Source clearly has had accesses to my account since XX/XX/2019 but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
01/30/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	AL 365XX	Web
First Source Advantage LLC, address on their website is : XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number XXXX. First Source Advantage has contacted my place of employment by repeatedly calling my place of employment. They call my office at a minimum of 3 times a day. The secretary as well as myself has asked them not to contact me at work. They are collecting for a past due XXXX XXXX account. They sound as if they are out of a call center in XXXX or something. I emailed them a weeks ago asking them to remove my work number and they continue to call. Just XX/XX/2021, I asked them to stop calling my work, verified my employer number to remove from the call list and they call right back the next day and the day after that. They call my work cell phone. They call and change/scramble their phone number to disguise their identity. Sometimes they call the office 3 times back to back and hangup each time. They say ok we will remove the employer 's contact number and then keep calling it. My money is low due to COVID 19 and missed several months from work and have been behind on bills every since. I keep explaining the situation to them and now I am scared of losing my job because they keep calling my office. The payment options given by First Source Advantage are too high for me to afford, such as 6 payments of {$1100.00}, or 3 payments of {$2500.00}. I am so scared of my losing my job at this point and don't know what else to do.
10/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34746	Web
I am writing to address the relentless debt collection efforts I have been enduring from your agency. It has come to my attention that you are incorrectly identifying me as the debtor in question. I want to be unequivocal : there is no valid debt associated with my name, and I dispute any such allegations. Cease and desist all forms of communication with me immediately, including phone calls, letters, or any other means of contact related to this debt. Your actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) through false and misleading identification, causing undue stress and inconvenience. I want to remind you that, under the FDCPA, I have the right to be free from false and misleading practices on your part. You have a strict 30-day deadline from the receipt of this letter to remove any information associated with this alleged debt. Failure to comply with this demand will leave me with no alternative but to initiate legal action against your agency. This letter serves as a formal notice of my intent to enforce my rights under the FDCPA. I expect you to take this matter with the utmost seriousness, and I insist on the complete cessation of all communication with me until the erroneous information is removed. You are hereby put on notice : failure to adhere to these demands will result in legal action to rectify the incorrect reporting and harassment I have been subjected to.
12/19/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
XXXX-XXXX It starts with that complaint, XXXX abruptly closed my credit card account without warning or cause. Their operator refused to discuss the matter after I had identified myself using their methods but instead did information phishing for XXXX accounts. I had an overpayment and they were refusing to refund and after I filed complaint over it they began daily harassing calls ( More than the " Two as claimed ) making false allegations of my 'Fraudulently contesting charges ' even though there weren't any contested charges involved. I had to continue complaining to you. After you made them issue the refund they began making unauthorized payments without my knowledge from the closed account. They interfered with my closing an XXXX account after XXXX refused to let me change the payment method and they abruptly paid them for 3 months. I can only guess this was some revenge action. XXXX said from the beginning the account was closed and that they would not reopen it. Isn't there a penalty for lying in their responses? XXXX had previously said they were dropping the matter and making no credit reporting. Now this Firstsource LLC has contacted me. They sound sketchy. But they need to be instructed on the issue of illegal activities by XXXX. XXXX has lied repeatedly, leaving ongoing phone messages from numerous people with the apparent intent of this one denying doing it personally.
11/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49001	Web
I received a letter from XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX, XXXX ) in early XXXX, stating that their records indicate I authorized an electronic funds transfer at a XXXX XXXX in the sum of {$290.00} and that my financial institution wouldn't process the transaction and to call them to get it sorted and pay the {$290.00}. This seemed like a phishing attempt to me because : 1. I've never shopped at XXXX XXXX 2. The check number that's supposedly mine that they listed on the letter is a check number much higher than I've ever had printed. 3. They don't have correct information about my name. 4. The place on the letter where they are to list my bank institution is blank. XXXX. They claim the check was written at the XXXX XXXX on XX/XX/XXXX and I was out of town then. It felt so strongly like a scam that I ignored the letter. It's been less than a month since I received it. But I've just now opened the mail and found a letter from Firstsource Advantage , LLC ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX ) stating they are a debt collector and trying to collect a debt I owe to XXXX XXXX XXXX, XXXX. I'm not sure what to do next. I haven't contacted either XXXX or Firstsource because I don't want them to have my phone number or any other information about me. I wouldn't even know who to contact first. Can you please let me know what to do in this situation?
01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 863XX	Web
The account and information listed in the ID Theft Report were opened fraudulently and from an unauthorized use of my social security number and card. I did not authorize these accounts to be taken out, nor do they relate from any transaction by me. The company is knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO. This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. Further, I am demanding that this and any account with your company that is attached to my name be deleted from your records and closed for good. Thank you for your help in protecting my federally protected consumer rights.
12/28/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NC 28210	Web
XXXX XXXX XXXX has been harassing me about payment for an account I have never missed a payment on. They are handling a account from XXXX that was the result of partial fraud. They were informed of this when taking on the account. XXXX covered the full amount of fraud on the debit card I had with them and my banking account that was associated with it. I in turn agreed to make payment on the XXXX Credit Card. The company agreed to a payment of an amount each month. I have made these payments without issue every single month. And yet I get continously called by them and I only get calls at XXXX or later although I have informed them I do not want to receive calls after XXXX. When I inform them of this they say " if you do n't want calls then find a way to get the amount paid '' I tell them that I do n't understand why I receive calls monthly when I have NEVER missed a monthly payment nor is there a due date set for each month and they state they will just continue to call. The company ultimately has no reason to call or to call later than I have requested and yet they continue to and ignore my request for earlier calls. I can send XXXX XXXX XXXX the statements from XXXX. I should n't be threatened with continuous phone calls for an account I ca n't even make statements without the representative yelling at me.
04/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 22406	Web
XXXX XXXX XXXX was letting recurring monthly charges of XXXX?? go to my credit card. When I received a statement in the mail, I discovered it. I tried to log into my online account but had been locked out several months prior due to suspicious activity. I called and reported fraud. They removed the charges and reimbursed me the XXXX per month I had been paying. I later received a letter that the charges were mine. I disputed it again, and again they said the charges were mine. When I talked to the IT department, trying to get back into my account, I asked him : If these charges were suspicious enough to lock me out of my online account, why were they allowed to continue letting the charges go through every month? He said they were " separate departments. '' While I was on my online account, a new phone number had been added ( during the time I was locked out ) and a new zip code had been added to my address, which was a po box XXXX XXXX XXXX XXXX said that it would show in my credit report that I dispute this. I just received a letter from Firstsource Advantage , LLC. I called them and spoke to XXXX XXXX who transferred me to his manageXXXX, XXXX XXXX, I explained the situation to him, and his reply was there is nothing he can do about it. The total debt is XXXX, and it is not mine
03/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NJ 07030	Web
I contacted Firstsource Advantage Certified Mail back in XX/XX/XXXX. After signing and receiving my dispute letter on XX/XX/XXXX at XXXX XXXX, Firstsource Advantage FAILED to ever respond back to my dispute letter that they signed and received. As a result of Firstsource Advantage ignoring my dispute letter that they singed and received back in XX/XX/XXXX, I have re-contacted the Federal Trade Commission in XX/XX/XXXX and I have filed yet another Federal Trade Commission complaint against Firstsource Advantage LLC. The FTC file # 's against Firstsource Advantage are XXXX & XXXX. My complaints are for the following : -Failing to respond to my initial dispute notice received on XX/XX/XXXX, XXXX USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX -Failed to contact me with a notice that advised me that their office purchased this account and allowing me the right to dispute within 30 days -Failed to contact me at all. Failed to provide me with anything at all. Instead, Firstsource Advantage purchased the account and placed it on all 3 credit reports. I would have never known about their illegal and deceptive practices if I had not obtained a copy of my credit reports -Illegally pulling my credit reports without my consent or prior knowledge, leaving credit pull inquiries.
09/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 28216	Web
Hello ... This message is to file a complaint against XXXX XXXX and First Source debt collecting agency. My father, XXXX XXXX, dob : XX/XX/XXXX, applied for XXXX XXXX credit card. Unfortunately, my father passed away on XX/XX/XXXX. XXXX XXXX did not respect the fact that my father died and began to harass me and my family if we did not pay the company. One of the options was to take over my father 's account. Therefore, I decided to take over the account because I did not want any trouble. When I first took care of the account, I was making payments on time because I was working. However, I was a full time student and with the impacts of Covid19, my hours at my work decreased significantly. I am a single mother of a ten year old boy with XXXX. I take care of him and I also take care of my mother who is XXXX. Unfortunately, I do not make enough to take care of credit card payments, utility payments, insurance, all of the financial obligation that I have with my family. XXXX XXXX and First Source debt collecting agency continue to harass me despite the fact that I have informed them to stop calling me. They call me when I am at work, they call me before XXXX and they call me from restricted numbers. Please help me to solve this matter. Thank you, XXXX XXXX XXXX.
05/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78641	Web
In XX/XX/XXXX/XX/XX/XXXX I was awaiting the refund of my financial aid for classes I planned to attend that Fall with XXXX University. After not receiving the refund when normally scheduled, I began calling their Financial Aid office to get a status. I also emailed the Financial Aid office several times and received no return calls or emails. After a few weeks of this, I finally received an answer from the Financial Aid office stating I had run out of funds in my subsidized/unsubsidized loan availability. I would have to pay out of pocket to attend the classes. I was livid and withdrew from this school. I did not have funds to attend and had completed my Financial Aid packet in a timely manner to receive appropriate notice prior to the start of classes. I feel this is a scam by the University to receive funds from students. Had I not been consistent and diligent in contacting the Financial Aid office, I would have attended courses that Fall and owed for that semester. The school failed to provide any notice or status regarding the Financial Aid. This debt is NOT valid and this Collection Agency has NO CONTRACT. The collection agency has also re-aged this account in an attempt to collect and invalid debt. Delete this invalid debt from my credit file immediately.
05/29/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 70072	Web
I agreed to a debt settlement with First Source for an outstanding amount due to XXXX. I was informed that my last payment of {$300.00} did not go through. I did not have a credit card on me at the time to resubmit the payment in. I called back with the credit card information and never heard back from the Company. I figured that took care of it because I never received written notice that there was anything wrong with the payment I called in. I even went onto the XXXX site and it showed the {$300.00} posted. That was why I did not think anything was wrong. I received a letter from a new collection agency, XXXX XXXX XXXX, stating that my debt was transferred over to them for the full amount. I called First Source and was told it was no longer in their files and to call XXXX. I went to call XXXX and was told to call the new collection agency for more information. The new collection agency was the one that informed me that the {$300.00} did not go through and now I owe the FULL amount. I was told they could not do anything about it and all they know is that the file is now with them to collect the entire amount. I called XXXX again and was told to call back to the collection agency, XXXX XXXX XXXX, since there was nothing they could do.
07/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 91915	Web	Older American
I, XXXX XXXX, approximately dated XX/XX/2022 was victimized of phone fraud and elderly abuse. I thought I was talking with XXXX XXXX XXXX personnel, unbeknownst, to me, the caller was asking for my account information and balance, the caller stated that my account was charged {$18000.00} about child XXXX. The unknown caller further stated that he/she can assist me. I was so frightened and disoriented about the charges and such charges as this. The caller stated to further assist me I needed to go to certain places and obtain gift cards in varies amounts to further utilized my own credit card. I went to varies stores and I did exactly what the caller requested in amount of {$2000.00}, i scratched the cards and sent via image over the phone as they had requested. As i realized after talking with my son, I informed my son what had happened, frightened in my mind about the charges of child XXXX, I thought the police would show up at my door. I immediately went to the nearest police station and filed a report. I there after went to XXXX XXXX XXXX only to be even more victimized. As of XXXX XXXX, I am now receiving debt notices from the collection agency, which XXXX XXXX XXXX XXXXXXXX apparently sold my personal data information.
06/21/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 019XX	Web	Servicemember
My insurance, XXXX, said I had out of network privledges. I went to XXXX XXXX XXXX XXXX XXXX in XXXX, when I loss XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes... XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have pictures for proof. I didn't even know if the hospitals ran the charges thru my insurance. When I called, XXXX said they did not run the charges thru them. The next thing know, I was receiving bills from XXXX XXXX XXXX XXXX XXXX XXXX I set up an automatic payment with my credit card, Just taking for granted the bill total was acurate. It was an automatic bill payment for several years that I had paid. You can check on that for accuracy. Then, there was fraud on my credit card account, which stopped payment on everything I had set up on automatic payment. There was never a problem until then. I just took it for granted that this was what I owed. I called the hospital and they said that these totals had never gone thru my insurance. I said, " Then what the heck am I paying for? '' This is when I was glad the fraud happened. Otherwise, I would never have questioned the charges from XXXX XXXX XXXX XXXX XXXX XXXX Please help, for God 's sake!!!! These hospitals are getting away with XXXX!!!! XXXX XXXX.
07/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30087	Web
I am making this complaint against Firstsource Advantage , LLC. for committing identity theft. I have never given Firstsource Advantage , LLC. any permission to use any of my identifying information to commit mail fraud by contacting me about any alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ) and lawfully discharging the debt pursuant to UCc 3-604 ( a ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Firstsource Advantage , LLC. can provide me with sufficient documentary evidence that I have any legal or lawful obligation to pay them. If this documentary evidence can not be produced and Firstsource Advantage , LLC. continues its collection efforts, I will file for litigation for actual damages caused and Firstsource Advantage , LLC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the document herein and of this notice, you are hereby notified pursuant to UCc 1-202f. Your promt attention and response are both requested and required.
08/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85226	Web
My Identity was stolen. A XXXX XXXX Credit Card was opened fraudulently in my name. I did not open the account or make the charges. I have contacted XXXX XXXX several times. I have sent a certified letter with information they requested. I have followed up with company by phone. XXXX XXXX will not give me any information about charges or how the account was opened. The information XXXX XXXX says is there proof is ; my information that was stolen, an old phone number not belonging to me for several years and a bogus email address that I am sure goes to the person who stole my Identity. The first idication that my Identity was stolen was a fraudulent change of address that the post office has record of being fraud XXXX XXXX of XXXX information is with the XXXX XXXX XXXX. I then started a file on Identitytheft.gov. I have closed several accounts opened online, every bank was helpful and understanding until XXXX XXXX. After countless hours spent on the phone and submitting all the information they have asked for they have turned me over to collections with Firstsource advantage LLC. I let First source know these were fraudulent charges and sent over to them the information needed to prove fraud.
10/23/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 78727	Web
The bullet point I selected does not fit with my situation but it was the closest thing on the list. The collection company and I agreed to pay off my debt starting of the XXXX of XX/XX/2021. We agreed that every month they would charge my account with {$150.00} on the XXXX of every month until XXXX where we changed the payment date to be the XXXX of every month. This collection agency would repeatedly take the money out of my account 1 or 2 days after the agreed date so now XXXX has marked all of those payments as late and is hurting my credit. I wrote a letter to the 3 bureaus about this company charging and illegal fee on top of the debt I have accumulated so the 3 bureaus closed the account but XXXX marked it as a charge-off due to these late payments. It was the responsibility of the collection agency to take out the money out of my account on the agreed dates and I did not cause them to take the money late in any of the late payments. Both the XXXX and XXXX reports agree that the payments were not late and that the account is not marked as a charge-off so it is just XXXX that is giving me these issues. I would appreciate your help in resolving this issue. Thank you for your time.
11/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 233XX	Web
I reviewed my credit and noticed that an account with XXXX XXXX XXXX in the amount of {$100.00} was being reported on my credit with the Original Creditor being XXXX XXXX. I never received any notice from this company regarding the debt. I called to make a payment to satisfy the debt and the rep XXXX XXXX advised me that XXXX XXXX no longer owed the debt and that it had been returned back to XXXX XXXX and that the collection account was closed. I advised the rep if they are no longer collecting on the account then my credit report needs to be updated to reflect. The rep kept repeating the same thing just stating that the account was returned to the Original Creditor and that it was closed. Repeatedly after not answering my question about the CBR reporting I asked to speak with a member of management and was advised that no manager was available. What type of professional establishment does not have a supervisor/manager available to handle escalated calls. The rep never addressed my question regarding how this account is being reflected on my credit and refused to let me speak to somebody above him. I advised the rep I would be filing a complaint and disconnected the call.
08/23/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CT XXXXX	Web
FIRST SOURCE ADVANTAGE LLC IS A DEBT COLLECTOR UNDER THE JURISDICTION OF THE FDCPA. FIRST SOURCE HAS GATHERED MY PERSONAL IDENTIFYING INFORMATION LIKE NAME, ADDRESS, SOCIAL SECURITY AND BANKING INFORMATION WITHOUT AUTHORIZED USE. FIRST SOURCE HAS ENTERED INTO A FOWARD FLOW AGREEMENT WITH XXXX XXXXAND HAS ATTEMPTED TO COERCE PAYMENT FROM ME ON AN ALLEGED DEBT THROUGH OBSCENE MATTERS BY AN EXTORTIONATE EXTENSION OF CREDIT. FIRST SOURCE WAS DEMANDED UNDER 15 USC 1692g TO VALIDATE THE ALLEGED DEBT AND HAS FAILED TO DO SO AND HAS EVEN RETURNED THE PURCHASED ACCOUNT BACK TO XXXX XXXX. FIRST SOURCE HAS COMMITTED VIOLATIONS UNDER THE FDCPA AND HAS CAUSED MY FINANCIAL DISTRESS, XXXX, XXXX XXXX AND XXXX. I FEEL UNSAFE KNOWING FIRST SOURCE HAS GATHERED MY INFORMATION WITHOUT MY CONSENT COMITTING IDENTITY THEFT AGAISNT MY RIGHT TO PRIVACY UNDER THE PRIVACY ACT OF 1974 ALSO VIOLATING 18 USC 1028A AND HAS ATTEMPTED TO CEORCE PAYMENT FROM ME IN COMMERCE ON A UNVALIDATED UNLAWFUL DEBT. MULTIPLE ATTEMPTS TO SETTLE THE MATTER IN GOOD FAITH BETWEEN I AND FIRST SOURCE TO WHICH THEY WILLFULLY DISHONORED. I AM TIRED OF DEALING WITH THIS MATTER AND AM SEEKING FOR A SOLUTION.
07/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33009	Web
FIRSTSOURCE ADVANTAGE LLC They spelled my name as XXXX XXXX ( means dead person ) the STRAWMAN. I Sent them ucc codes for the bill which is a check. I asked for a confirmation of debt. The only only only legal confirmation of debt is wet signatures. This company said my debt was confirmed. I asked by who, what company, name of person, title and how was it confirmed by which method. As of today the question still is not answered. These credit card companies write the debt off XXXX percent and then they sell it and get paid again. Am I lost this is double billing. More fraud. The privacy act of XXXX states I must give my authorization or permission to publish my personal information and I did not. I sent a affadavid of all debts are prepaid. This fake credit swap needs to be zeroed out. What you call a bill is really a check. I am willing to go to court and represent myself. If a lawyer represents me it means I am a dead person. I am going to file a XXXX tax form as a whistle blower. You are all billing the bond and saying please send check or money order. You then cash the volcher and my second payment. This is double billing and illegal.
01/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web
I have stated that I am a victim of an identity theft, and the alleged fraudulent account that FIRSTSOURCE ADVANTAGE is attempting to collect the debt from me is not my account. I have submitted a following documents to FIRSTSOURCE ADVANTAGE back in XX/XX/2020. Please cease FIRSTSOURCE ADVANTAGE attempt to collect the debt is not mine and fraudulent. 1. PERSONAL IDENTIFICATIONS 2. FTC IDENTITY THEFT REPORT 3. POLICE REPORT 4. FCRA SECTION 609E 5. FCRA SECTION 605b Also, FIRSTSOURCE ADVANTAGE failed to provide me with the following documents that I have requested on the date of XX/XX/2020. FIRSTSOURCE ADVANTAGE has to validate and verify that the account is mine if FIRSTSOURCE ADVANTAGE want to collect any alleged debt. A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications A sworn statement from the person who witnessed myself applying for this account Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account
05/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 346XX	Web	Older American, Servicemember
XX/XX/2023 check for {$28.00} at XXXX refused payment by XXXXXXXX XXXX. I was never notified and XXXX does not keep a record it ever transpired. XXXX never notified me nor did their collection vendor XXXX Upon visit to store attempted check pay was denied. I was given paper advised call XXXX to pay. Upon contactcwas advised they would redeposit in a day or two. They never did. Follow up at store with XXXX advised call XXXX XXXX XXXX XXXX. They sent me to their XXXX XXXX who sent me back to XXXX XXXX who sent me back to XXXX. After a half dozen failed attempts I contacted the XXXX XXXX XXXX and we repeated the process. Attelps once again failed. Contacted store. She sent an email to corporate who's job to collect returned checks. They said call certify but she never ressponded. I then recieved Debt Collector notice they bought debt! I called store and spoke to XXXX XXXX. He is trying to assist. I then notified him I was calling debt collector to cease. SENT to answer machine. I left message AND IN FO to CEASE and DESIST notice. They do not provide any acknowledgement of receipt. Waiting on feedback from XXXX.
10/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43068	Web
In late XXXX, early XXXX I went to XXXX XXXX XXXX in XXXX CA for an XXXX. Shortly after I lost my job and was not able to pay my bill and the account went into collections until I was able to pay. To my knowledge, I had paid my account in full of {$330.00} to XXXX financial services, and never showed on my credit report. Within the past year I have noticed that OneAdvantage is showing on my XXXX report for currently {$130.00} and Firstsource Advantage for {$130.00} on my XXXX report. These accounts ' amount increases over time and sometimes they are different amounts. They both say the original creditor is XXXX XXXX XXXX XXXX and that the account has been opened since XXXX of XXXX. To the best of my knowledge, I have paid all of my debts to XXXX XXXX XXXX. Neither of these collection agencies have ever contacted me by mail, or by phone. The only credit agency that has contacted me was XXXX, and like I said before, I paid my collection account in full. When I check the websites for these collection agencies, they ask for an account number in which I do not have - before I can move on further.
12/04/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30316	Web
From XXXX ( now ), I have been being harassed by FIRSTSOURCE ADVANTAGE regarding an alleged debt owed. Be it known, that I hereby dispute the validity of said debt. Also I am aware that this company does not have a license to practice in the state of Georgia where they are attempting to collect said debt. In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, FIRSTSOURCE ADVANTAGE is hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. Please take note that I am declining any attempts by or any other collection agency with regards to this matter. In addition, FIRSTSOURCE ADVANTAGE is hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I am requiring documentation to confirm that FIRSTSOURCE ADVANTAGE has complied with this request. I am also requesting to CEASE AND DESIST FIRSTSOURCE ADVANTAGE from contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt.
12/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 91361	Web
I received a letter from Firstsource Advantage LLC in XXXX XXXX referencing XXXX Claim Number and Reference no. The company claims I had written a check to XXXX XXXX which has been turned over to them for collection. The check was for an amount less than {$8.00} and in addition I owe another {$25.00} for their collection service. I have verified online and with my bank that this check cleared. On XX/XX/2022 I sent a certified letter to Firstsource letting them know that the bank shows that the check had been cashed. Additionally I contacted the XXXX XXXX telephone number on my statement and they confirmed that they show the check cleared in their system. I have not heard back from the company. Meanwhile, I went to pick up groceries at XXXX and they were unable to cash my check due to an adverse notice from XXXX. I have spent an inordinate amount of time trying to understand why they are claiming that the payment I made to XXXX did not clear and whether the claim is a mistake or fraud! Thank you for your help. I have documentation I can submit. Please let me know if needed.
02/11/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 92058	Web	Servicemember
I went to the hospital before I joined the XXXX, I could not afford to pay the bill. I enlisted in the XXXX and was contacted by XXXX XXXX XXXX for the hospital bill, I paid this collection company the entire amount {$1000.00}. I discovered that another collection company First Source Advantage is collecting the same debt. I have contacted them and they said it is a different bill for a different collection. I disputed with XXXX and they said I did not pay this debt. I did some research and found that the hospital I went to XXXX XXXX XXXX was purchased the same month my debt went into collection by the TN XXXX XXXX XXXX which was XXXX 2013. I paid the collection from the TN regional health system but the collection from XXXX XXXX XXXX which is First Source Advantage will not accept this explanation and says they are XXXX different hospitals. I look online today and they have the same address, phone and website for TN XXXX XXXX XXXX. Please help me get the collection removed from my report. Please let me know if you need any other information..
02/14/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 90026	Web	Older American
The company First Source ( XXXX XXXX XXXX XXXX ) has been calling the home of my grandmother ( XXXX XXXX XXXX ) for about 2 months. My aunt who also stays there told me about 3 weeks ago that First Source was calling. She told them that I don't live there. I told her to ignore and don't answer the calls. Today XX/XX/2020, I went to visit my grandmother and First Source called again. I called back and asked them " why are you calling my grandmother 's home and it I do not live here. '' The First Source person said, " this is regarding your XXXX XXXX account '' ( my XXXX XXXX XXXX account was an old debt years ago ). First Source person said, " we can remove the phone number ( XXXX XXXX XXXX - grandmother ) if you gave me your date of birth to determine if you are the correct XXXX XXXX '' then I hung up. My grandmother is XXXX years old and her daughter is XXXX years old ( aunt ) they are receiving harassing calls night and day from First Source -- This is outrages!! Can something be done to stop/penalize First Source? Thank you
01/07/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	LA XXXXX	Web
Company called me saying I owed a debt credit card company. I told them to cease and desist till I receive a depth validation letter. Finally received a letter from there with screenshots of my personal information of the credit card company. Basically a bill. I called them back not knowing that they were missing information at the validation part of the day saying that they own the debt. I didn't receive that information saying that they purchased at that. I found out later after talking with the rep telling me to set up a payment to remove the debt. Where I was coarse into putting my information to set up a payment to lock in saving rates on a debt to settle the debt. But the debt was charged off by the company years ago and I never received the collections. Now I feel like they're fringing on my legal rights by using underhanded tactics and ignorance to bind me an illegal agreement to make me pay this debt and once I cancel and tell them I don't want them pursue it. They're going to choose to take legal action against it.
10/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CT XXXXX	Web
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 Firstsource has violated numerous provisions under the FDCPA and has attempted to collect money in commerce on a unlawful debt that arose out of a FINANCE CHARGE between I and XXXX XXXX where a SUM OF ALL CHARGES satisfied the obligation when a consumer credit transaction occurred. Firstsource has not validate any lawful debt and has attempted to debt park and coerce RE_payment from me in commerce. Firstsource has committed fraud in commerce and has violated my right to privacy described in 15 USC 1692a and Privacy Act Of 1974 by acquiring my name, address and other personal identifying information without prior consent and IRS Form 3949a and 211 will be filed against Firstsource if this matter is not resolved. I have suffered lost of wages due to XXXX XXXX XXXX XXXX because of the violations committed by Firstsource. This will be my last attempt in good faith to settle the matter outside of court.
04/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30344	Web
I received a bill from XXXX XXXX XXXX. I contacted them to let them know I don't owe. This account for {$1200.00} is for a balance from XXXX Hospital. The problem is that XXXX does not apply the financial discount to the balance or basically adjusting the balance minus your copay {$20.00}. I contacted XXXX on XX/XX/XXXX and spoke with representative XXXX who advised me that her supervisor would be sending the information to the collection agency to adjust the balance to {$20.00}. I advised her that the account should not have gone to collections and if so it should have been sent over for the balance of {$20.00} that is owed and not {$1200.00}. She then advised that because I did not pay the copay at the time of service that is why the bill was sent to collections. I have previously disputed this bill with the collection agency. They know I don't owe this and reported it to my credit again on XX/XX/XXXX. I am requesting that this account is removed from my credit bureau as it should not have been reported to them.
12/31/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 281XX	Web	Servicemember
Creditor : XXXX XXXX REFERENCE NUMBER # XXXX CREDITOR REFERENCE # XXXX ACCOUNT BALANCE : {$3100.00} I DISPUTE THIS ACCOUNT!!! THIS IS THE XXXX COLLECTION AGENCY THAT HAS REACHED OUT TO ME WITHIN THE LAST FEW MONTHS. THIS IS NOW HARRASSMENT!!! ANYMORE HARRASSMENT I WILL BE SEEKING LEGAL MATTERS. In accordance with 15 U.S. Code 1692g, I am requesting verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for debt. THIS ACCOUNT IS RESULT OF IDENTITY THEFT. I AM SUPPLYING FIRSTSOURCE ADVANTAGE THE SAME DOCUMENTS I SUPPLIED EVERYONE ELSE. MY POLICE REPORT AND IDENTITY THEFT REPORT. I just sent this information to XXXX XXXX and spoke to someone they told me it would be resolved. Now a few months later it with another collection agency. Additionally, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers.
11/25/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30349	Web	Servicemember
On XX/XX/XXXX I received a settlement letter from First Source Advantage , LLC representing XXXX XXXX for a debt I owed of {$4000.00}. The settlement offer was for {$1400.00}, which I accepted and paid off in full by the dates outlined in the letter by XXXX XXXX, XXXX. However, the public record continued to show in XXXX XXXX records through XXXX. I was unaware that the debt was still showing as not paid. I was made aware in XXXX XXXX when I attempted to make a house purchase and was notified by the loan officer. I immediately reached out to both XXXX and FirstSource Advantage to clear up the bad record. I provided the settlement letter and proof of payment. I received a court release letter in the mail two months later. It has been cleared ; however, during the time it was on my record, I refinanced a home and purchased a car but did not receive the best interest rates and paid more. I was also denied credit with some other creditors as well due to the negative mark on my credit report and XXXX.
06/27/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY XXXXX	Web
In early XXXX, XXXX I returned a phone call from Firstsource Advantage , LLC looking to settle a debt I owe XXXX XXXX. This was used as a business from business I owed that is now defunct. I made on offer to settle the outstanding balance of XXXX to XXXX XXXX. After a discussion about what was an acceptable amount, I told the agent at Firstsource that I could settle for {$2800.00} ( letter provided ) at the end of XXXX. He stated he would discuss my offer amount with XXXX XXXX. About 10 days later I received a letter offering to settle for {$2800.00} if paid by XX/XX/2020. The amount was paid on XX/XX/XXXX and acknowledged in the second letter I have provided. I called on XX/XX/XXXX to Firstsource as the second letter states that I still owe a balance of {$8900.00}! They are now claiming, from my recent phone call, that the amount agreed upon IN WRITING is not enough to settle. Please contact them and have them send me a " Paid in Full '' or settlement letter to close this matter.
05/19/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 71105	Web
After viewing a copy of my report, I noticed a collection account placed on my credit report from Firstsource Advantage , LLC on XX/XX/2019 in the amount {$200.00}. First and foremost, I have confirmed that the debt collector, Firstsource Advantage , LLC is not license in the state of Louisiana to collect on this debt. Secondly, Firstsource Advantage , LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Firstsource Advantage , LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Firstsource Advantage , LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and demanding payment from me in the amount of {$200.00}.
12/11/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	WI 53713	Web
I called on XX/XX/2019, I had got their info from making calls to see who had this debt. I have never heard from them on their own. I called and told the guy that I wanted to dispute the debt as the amount he said was not the amount I had owing. I asked him to send me documentation and he skipped right to trying to get me to settle the debt. He tried pressuring me into a payment, payment plain I knew I was not going to be able to keep. I told him this several times. He threatened me with it going on further to collections. Remember I as well recorded the call, I always do. When I again brought up wanting to see documentation, he talked around my request and just wanted payment. They were also informed in a email * contact form* that I wanted this information and they were also infomred they were not to call me, friends, family or at my work, or neighbors. They can email me at the email I gave them, but the documentation must come thru mail. I wantt a hard copy.
10/18/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33323	Web
Within the past few weeks, I opened a complaint with CFPB regarding this same credit card account that was in a collection with XXXX XXXX XXXX XXXX under complaint number ( s ) :XXXX,XXXX,XXXX & XXXX. Once I provided the police report # and FTC ID theft affidavit/complaint # XXXX XXXX XXXX they then sold this disputed account to a collection agency called, FirstSource. This is a clear violation of the Fair Debt Collections Practice Act. Even after illegally selling this disputed account to the new collection agency XXXX XXXX XXXX continues to report their name on all 3 of my credit reports. I am once again now alerting FirstSouce collections that this account is from identity theft. I am providing the police report and FTC report numbers. Furthermore, I was also notified by XXXX that my personal information was in fact compromised during the 'XXXX Breach '. FTC ID theft report/affidavit # XXXX & XXXX PD report # XXXX by Officer XXXX, badge # XXXX.
01/13/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MD 21801	Web
I started receiving phone calls from this number on my personal cell phone, home phone, and work phone on X/X/18. First and foremost they are NOT to contact my job for any reason. This is a personal matter and it should/will be handled as such. My number one complaint is that they are calling me asking me to verify my identity via social security number and date of birth to some strange person who advised the call is being recorded. If you are calling me in reference to a debt and I have verified that you are speaking to the person you asked for I will not give you or anyone else who is calling me from some XXXX my personal information There are too many scams going around and the only thing they would provide to me was that they were calling on behalf of XXXX XXXX and would n't give me anything else. I have not received anything in writing from this alleged debt collector about what or who they are and what they are trying to accomplish.
09/06/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IN 46614	Web
On XX/XX/2023 I received notice that a local attorney, XXXX XXXX XXXX sent my employer a notice that they attend to garnish my wages for a credit card. They state they have filed a judgment against me for the amount of {$5100.00} on behalf of a creditor I never even heard of named ONE ADVANTAGE, LLC. When I contacted the attorney 's office they refused to give me the credit information. I was never notified of any court proceedings and the law office used the court to enter an illegal judgment against me for this outrageous sum. I have never had a credit card with a credit limit of more than {$600.00}. Even with interest and attorney fees it never should total this amount. One Advantage, LLC or the attorneys at XXXX XXXX are using the courts to saddle consumers with usery and inflated totals to saddle consumers with debt that is XXXX the original balance. This illegal and unethical debt collection practice is flagrant and illegal.
03/29/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	UT XXXXX	Web
XX/XX/2019 - I received an e-mail from XXXX XXXX stating " We've received your payment '' for {$50.00} - I have not made any recent payments to XXXX XXXX. - I contacted XXXX XXXX via their online chat, and they stated, " I can see a {$50.00} payment was initiated using our phone number. It was not intitated by XXXX. It's a Manual payment made using our Pay by phone number. '' - I advised XXXX XXXX I had not made any payments by phone. I have not authorized any payments. I advised them to cancel this phone payment as the account it was posting to has no funds available. - XXXX XXXX then advised, " I can see your account has been transferred to XXXX XXXX, so need to have a word with them for it. You can call FIRSTSOURCE ADVANTAGE LLC at XXXX for more info on it. '' - I replied to XXXX XXXX stating the payment shows directly from XXXX XXXX in the e-mail not a third party company. - XXXX XXXX made no further responses.
12/08/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	FL 34655	Web	Older American, Servicemember
XXXX XXXX said I owed for donations I made through XXXX XXXX -- donations that were actually made to be paid by XXXX XXXX XXXX. I never asked or received any membership in XXXX XXXX. When I asked the bank for specific amounts paid by them as my donations they did not do so, only repeating that amount owed to them, which kept increasing with penalties and interest. Now I am getting phone calls and letters from Firstsource Advantage with the debt in their latest letter of XX/XX/2023 that demands {$530.00}. Eight months ago I sent a registered lettering to Firstsource Advantage giving the details of why I do not owe them or anyone else this amount -- Firstsource Advantage never responded. Their letter today is the same as the one sent eight months ago even to the amount demanded. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not tolerate attacks upon my person in any way.
02/18/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	VA 23322	Web
This debt has been with another collection agiency, when I requested proof from the previous agiency, they sent no contract and the bills they sent did not have my new name on them. I was married on XXXX/XXXX/2012, a couple of weeks later my name was changed at the XXXX XXXX XXXX XXXX off of XXXX XXXX in XXXX Virginia and my new social security card, new drivers license, and marriage certificate ( that is filed with the XXXX XXXX Court House and im sure a copy can be requested by any party ) and all cards were re-issued with the new married name. The bills I was shown by the previous creditor showed bills in my maden name after that date and still said another name for a long time after my name was changed on all my accounts with XXXX XXXX XXXX. I had new cards issued in my maden name that does not match the bill, no contract has been shown to me, not even the documents I signed with the bank to change my name.
04/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 42701	Web
Well first off I never knew anything about this account until I received a bill in the mail. It has made my credit score drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.
03/14/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33431	Web
First Source Advantage has called two people who are not me. One, related ( mother ) including another unrelated. They have harassed both parties, calling them 3 times a day for 36 days and counting. Most common phone number they have called from is XXXX. They have broken fair debt collection act laws on multiple occasions. They have disclosed my social security number to two people who are not me, they have disclosed alleged amount owed to people who are not me, they have disclosed my personal information multiple times, they have also disclosed what company the debt is allegedly owed to. List of Fair Debt Collection Practices Act broken 804. Acquisition of location information 15 USC 1692c 805. Communication in connection with debt collection 15 USC 1692d 809. Validation of debts 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 810. Multiple debts 15 USC 1692i
01/27/2024	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 94555	Web
First Source has reported these discrepancies on my credit report illegally because when I chose to opt out from them reporting anything to third party companies, they did not comply and it states in US Code Title 15 Chapter 94 ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. The company has reported inaccuracies to my credit report fraudulently. I requested a contract and have never received anything on the matter.
04/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85381	Web
In XXXX and XX/XX/XXXX XXXX did not post payments to my XXXX 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX to prove those payments were made, in full and on time. XXXX charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, XXXX did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway.
02/15/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85140	Web
I was called on my home land line on XX/XX/XXXX at XXXX from a XXXX XXXX at First Source asking to speak with me. My spouse answered the call and advised I was unavailable. XXXX XXXX asked my spouse for another number to reach me at and she declined but let him know that he was calling our home number and could call back later. The next day on XX/XX/XXXX, a person from this same company called my spouses brother and left a message indicating the call was for me. A recorded message was left indicating the call was from a debt collector. XXXX XXXX from First Source intentionality called a family member knowingly even though he had confirmed the day prior that he had my correct home phone number. This collector and collection company used this tactic of intentionally calling a nearby relative for the purpose of creating false urgency and embarrassment hoping it would trigger me to make payment.
09/21/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KS 67218	Web
Multiple calls this week. When I called them back they stated they were XXXX XXXX XXXX XXXX. They stated the call would be recorded but never stated this was an attempt to collect a debt. When I refused to provide personal information I was told the information was already on their screen. I told them to tell me what they had and I would either confirm or deny. They did have my address. They then asked for my birth year, again I refused. I asked for information about why they were calling, who their client is and was told they could not provide that information. I asked for the information to be sent to me via email and unless they could do that I would not provide any information. The answer I got was they could not send any information on this through the mail. The person on the phone had a very thick accent from XXXX. The number appearing on the caller ID is XXXX.
09/01/2017	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	FL 33150	Web
XXXX this morning a lady called me from XXXX XXXX XXXX XXXX XXXX trying to extort my personal information for her use. I asked her who she was and from what company. She replied her company was called One Advantage LLC and that was trying to collect a debt. I have no contract with One Advantage LLC., and will like the records to show. When I did n't contract with her she being yelling and threatening to use my name and social security number because she already have it on file. I will be contacting the local police department because this company clearly is using my personal information to gain monetary without my knowledge. please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!
12/21/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	OH 45417	Web
Starting XXXX XX/XX/2022 and then XXXX XX/XX/2022 this company called and told me to call back at this number : XXXX and they had the words " I repeat '' in the message. They would not say why they are calling and when I called them to ask them if they were legit, they paused but then when I was transferred to another person, they would not say their name. They only said an extension. The person 's last name was XXXX and when I researched the name of the company, that phone number did not pop up a totally different number did. The company name was First Source Advantage, LLC. I have no t gotten any notice of one of my credit card accounts being charged off to a collection agency. This needs to be stopped. I did have an XXXX account that does need to be paid off but I have not gotten any further notice regarding further collections on that account.
10/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VT 050XX	Web
In XXXX of this year, I started receiving phone calls from One Advantage about a medical debt from XXXX XXXX in XXXX, VT. That debt was given to One Advantage because of some billing mistake on XXXX XXXX part, but even with the billing error, OneAdvantage was attempting to collect the entire bill including what had already been paid by insurance. After many phone calls and diligent effort by XXXX XXXX billing department, the mistake was discovered and One Advantage was notified. Now, 5 months later in XXXX, One Advantage is attempting to collect the same debt again. I have called both XXXX and spoken One Advantage, but I am not interested in entering a medical debt collection cycle so I am submitting this CFPB complaint in hopes that these multiple " errors, '' all of which coincidentally favor OneAdvantage, can be corrected once and for all.
08/06/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NY 10034	Web
I called to obtain information about the debt. We negotiated a settlement amount. I told them I needed to pay the amount over time and that I would contact them in two days to move the process further while I looked for ways to raise the funds. During the call they obtained my bank account number. They contacted XXXX XXXX and paid the settlement amounts in my name without my consent. I had no agreed to the settlement. They then attempted to charge my bank account for the settled amount in full. The payments were declined by my back and I incurred two overdraft charges. I do not know if XXXX XXXX has settled the debt at the amounts they attempted to charge. I have no idea what is going on. There was no structure to the call. It did not follow any of the standard legal procedures or language that I have encountered in other calls like this.
08/27/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
I have received multiple emails from Firstsource Advantage regarding a balance that they are insisting that I owe in the amount of XXXX from XXXX XXXX. XXXX On XX/XX/2021, XX/XX/2021 and XX/XX/2021, I sent, by certified mail, a letter to the address of XXXX XXXX XXXX XXXX XXXX . NY XXXX, which is the address that they have listed in the email for mail correspondence. Every time the letter was delivered and I have proof that it was. Within the letter that I sent, I asked them to provide documentation verifying the debt that they claim that I owe them. I have not received a response from Firstsource Advantage even though I have reached out to them multiple times to clear the matter, instead I just keep receiving emails saying to contact them, which I have.! I have not done any business with XXXX XXXX XXXX therefore the debt is not mines!
04/01/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA XXXXX	Web
I do not owe this bill, I disputed with the company. I recieved 10 calls from them in one day and then I kept hanging up on them, they kept calling me back and then blocked the numbers. told me that they would put me in jail if I didnt pay this bill. I was shocked and went to the police department, field a complaint. They told me to just dont answer the phone anymore. I do not owe this bill. The sent this bill to my family members house, a friend mines house and then to another address. Which I never gave them any of my personal information. The other employee told me that once the dispute goes out they would call me again and start the process over again. That I owed XXXX XXXX {$100.00}. I do have copies Im waiting for from my cell phone provider of all the calls that day they harassed me. I also had to go back ER behind these calls,,
07/21/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 372XX	Web
I was unaware that I owed a balance to XXXX XXXX XXXX. I was promised pay for delete for this account from XXXX XXXX and the supervisor XXXX. I paid {$10000.00}. They refused to email a receipt or letter of our approval. They continued to say because the calls were recorded that I didn't need it. I made this agreement with the collection company One Advantage LLC. It was paid in full on XX/XX/XXXX or XXXX. They agreed to remove this account from all 3 credit bureaus all they have done is updated the payment of the XXXX Now XXXX XXXX is saying that XXXX is on vacation until Monday even though she told me yesterday that she was going to have another supervisor to remove it and she was to call me back. She did not call me back when I called her back today she is giving me the run around and saying they will update. I need this corrected.
03/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78665	Web
XXXX XXXX from First Source Advantage called me at XXXX XXXX on XX/XX/2018 trying to reach someone else who has not lived here for almost 10 years. I also spoke with Supervisor XXXX XXXX. I do not appreciate being called and harassed based on information that is almost a decade old. I have never done business with First Source Advantage, and I am not delinquent on any debts. I have an " Excellent '' credit rating. Both XXXX and XXXX defended the call by saying that was the information they had in their data base. Using information that is almost a decade out of date to call and harass someone who is not delinquent in their debts is an unacceptable business practice. Also, my phone number is a national and state registered Do Not Call number. I have never done business with First Source Advantage. Yet they called me anyway.
05/24/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 95337	Web
The company Firstsource Advantage , LLC has already been sent forms requesting validation of debt they are attempting to pursue as well as a request form stating all communications be handled via written and mailed forms to the correct address. They have resulted in phone number cloning and reaching out to others who are not myself with false statements. XXXX Called my Mother In Law with false statements that I authorized the use of her phone number for contact XXXX Called my husband 's cell phone and left no message. They called me many times with no messages and have continued to utilize phone number cloning to hide their identity in an attempt to work around my request for written communication only. My most recent mailed communication to them was sent on XX/XX/23 once again requesting a validation of supposed debt.
08/16/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	DC 20011	Web
I received a call on my personal cell phone about a week ago from a company identifying itself as " First Source Advantage. '' They asked for a person by name, who used to be my roommate but died this past XXXX. Before his death we shared a phone number for our land line, but that has been disconnected. I explained to the caller that the person was deceased and they had called my personal cell phone. Today I received another call from the same company, again asking for my deceased roommate. I told them again that he died in XXXX, and their representative essentially accused me of lying. I provided the caller with information about the estate and a phone number for its personal representative. I also instructed him not to call my cell phone any further. But I should not have had to make this request more than once.
06/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33312	Web
This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified ''. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. .
04/04/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33196	Web	Servicemember
XXXX XXXX XXXX Took {$720.00} from My Business Checking Account Without authorization, when I go to my Transaction over my statement there is a message that said an agent call me from XXXX XXXX XXXX to proceed with The Debt that is not true, I never receive any calls from nobody. I call more than Five times to XXXX ( XXXX XXXX XXXX customer Service ) regards to my Credit card and they said my credit card was on collection company name First source, For that reason, I proceed to call them to try to make a settlement till now without any Answer. I was surprised when I check my account Yesterday and saw my checking account was almost clean by XXXX. I try to contact XXXX Agin and ask them why they took my money when my card was already on the collection and they said we have the right. This happened on XX/XX/2019 2019
04/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33065	Web
I have sent XXXX Communication on behalf of a collections account that is in dispute on XXXX2017. I haven't receive any information on the procedures used to verify the account with XXXX XXXX XXXX. I have sent them multiple communications and have yet to receive anything from them, however XXXX seems to have been able to verify this information. At this point, my rights are being violated and these companies are not adhering to the law as they are still reporting to my credit within providing adequate responses within the designated 30-45 day timeframe. I am having difficulty with purchasing a home and its a result of these negative items that aren't being properly verify. I understand that I'm one person against a huge organization, however my rights are protected. Something needs to be done immediately.
03/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 850XX	Web	Servicemember
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Firstsource is engaging in said violations of latter federal statutes. Firstsource did not provide within 30 days of their notice of alleged debts, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. In fact I have never had XXXX XXXX service as my current provider is XXXX, and before that I had XXXX, I do not owe any money to this alleged account. Thus, I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.
04/22/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	KY 40258	Web
A company is trying to collection many medical debts which are also listed on my personal credit file. I have requested several times for verification which this company will not furnish a signed authorization allowing medical bills obtain. They just furnish a statement which proves nothing. I asked to validate the numerous listings on my personal credit file and again all I receive is statements. Years ago many years ago I did have a bunch of medical bills but were taken care of years ago. Is n't there laws on validating a debt a collection agency is trying to attempt to collect? I know that every time you go to the doctors and or hospital they have you sign an authorization form. Please help assist me with these. There are a total of XXXX listed on my credit file.
10/19/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 620XX	Web	Older American
On or about XX/XX/2018 I received a billing invoice from XXXX XXXX in the amount of {$280.00}. I am XXXX and unable to pay the entire amount. On XX/XX/2018 I sent a payment on account of {$20.00}. They accepted the payment, the check cleared my bank on XX/XX/2018. Beginning on XX/XX/2018 and continuing through today, XX/XX/2018, I have received 80 calls on my cellphone from the debt collector. They have called as many as 18 times in the space of two minutes. They leave no messages, they just continue to call. I've done my research on XXXX XXXX. They have a reputation for harassment, verbal abuse, and unreasonable payment demands. I have nothing and I have no income. I intend to pay the amount owed but I will not be threatened, harassed, or bullied.
03/16/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 93036	Web
I had a XXXX XXXX account charge off in XX/XX/XXXX and I tried to settle it with them before it went to collections. XX/XX/XXXX I filed a report on CFPB only to learn that while I was trying to settle with XXXX XXXX they stated it was already with a collection agency, I never received notice and after speaking with XXXX XXXX they gave me the creditors information Firstsource Advantage and stated that Firstsource has sent me 2 letters, which I never received.Not to mention they have all my up to date mailing address and phone number because I have 2 other credit cards with XXXX XXXX.I recived all the information from XXXX XXXX ONLY because I filed a complaint through CFPB or i would of never know the account had been placed with a collection agency.
05/04/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 451XX	Web
On XX/XX/2020 I received a call from One Advantage collection agency. I did not know this was them until I voluntarily allied them back and they ID self. To start the call the representative named XXXX asked what balance and account was before every verifying me or giving me any information whatsoever. Extremely strange and from What I know an FDCPA violation. After this she aggressively kept asking me what my date of birth was while refusing to answer any of my questions. I asked for a supervisor several times and she kept saying I can get a voicemail. She would not tell me if her company was a first party or third party collection agency. This call was horrible from the jump and very unprofessional. She ended up terminating the call on me.
01/11/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	NC 27703	Web
This company First Source Advantage has called my employer several times and left voicemail messages at my place of employment for me stating on the recordings that they are calling to collect a debt and leaving a number XXXX stating that if this is the wrong number to call and let them know. I do n't believe that they are supposed to leave messages at my place of employment stating that they are calling to collect a debt. Additionally, I called them on last week XXXX XXXX, 2016 and requested that they only contact me by mail. I informed them that someone else at my place of employment retrieved and listened to the message. However, they called again on today, XXXX XXXX, 2016, and left the same voicemail message at my place of employment.
03/01/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TN 38115	Web
On XXXX XXXX after reviewing my credit reports, I discovered a collection account with Firstsource Advantage LLC.I wrote a letter to the company requesting verification and validation of the debt. I further requested proof of their contract to substantiate the claim which entities them to enforce it. I further requested a certified copy of an original contract with my wet signature. I also noted that I could not locate an documentation of any contractual relationship between FirstSource and XXXX XXXX which would entitle them to enforce a commercial claim, On XX/XX/2023 I received a debt collection letter and several collection calls, but no proof of contract that gives them the authorization to pursue this debt, not a contract from me.
03/12/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 70001	Web
XXXX, from XXXX XXXX keeps calling me. This is regarding medical debt that I am both partially disputing the amount as well as trying to negotiate my final owe amount. I've already sent them two ( non-certified letters ), and I had explicitly stated that I would only deal with them via email. There is no reason for them to keep calling me. Every-time they do call, but coincidence I wasn't able to pick up, and when I call back I am getting to their call center with no extension. One time I've picked up the phone, and they must have hung up when I tried speaking. I am assuming that this isn't out of malice on their part to harass me, just gross incompetence with their phone system. But either way, please tell them to stop calling me.
09/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 62025	Web
I received a letter in the mail today that was actually dated for XX/XX/2022 I didn't receive it until today which is XX/XX/2022 the dispute process says call or write to Us by XX/XX/XXXX and it's coincidence that I've reached it I received it a day after my deadline to reply with the dispute I think that's the unfair tactic but I am by anyways this was a business account that was paid for another business account and I don't know understand why it went on to my personal check writing I don't recall writing this check maybe a business partner reminder but why didn't you not going on just my personal check writing the XXXX number claim number is XXXX reference number is XXXX and the XXXX number is a XXXX number which is XXXX
08/25/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 791XX	Web
I had a credit card charged off and first source advantage bought the debt. And also XXXX XXXXThey sent me emails for about six months to pay the debt off, but at a discounted rate of {$590.00} versus the original amount of I believe {$740.00} so after six months I finally come up with the money to pay the discounted amount. I pay the {$590.00} in full with my debit card on XX/XX/2023 to firstsource advantage and then I dispute it on XXXX, XXXX and XXXX only to have the credit reporting agencies say I still have a balance of {$140.00}. If the offer was for a reduced amount then why do I still have to pay the balance I feel they were sneaky and misleading with what I owe and the amount they were willing to settle for
01/11/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30228	Web
I sent a debt validation letter to FirstSource and they responded with a letter that I received on XX/XX/2020. The letter which I will upload a copy of stated that they did receive my request for them to validate the alleged debt. In the letter I requested that if this debt in indeed mine I would like a copy of the original contract between myself and the company. FirstSource responded with a statement of charges that does not prove that this debt is mine. If there is no proof of a contract then they have no authority to report or collect from me. This makes this debt unverifiable and FirstSource needs to cease collection activities. They simply gave me a printout of a statement does not constitute verification.
07/22/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 306XX	Web
Debt collector called me and I asked that all calls stop and any correspondence be via mail. The agent told me we will keep calling you and hung up on me. I called back and spoke to a different agent to express what transpired during the first phone call and she was just as rude and told me my number has been blocked. I asked if her company was a collection agency she said *no '' and since I didnt ID myself she is going to end the call and hung up on me. I called a third time and asked for a mgr, female ID herself as a mgr. I explained both previous calls and I told her I had requested a XXXX months prior, the mgr told me since I didn't respond to the letter they sent me this is why they are calling me.
02/07/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 466XX	Web
I had an XXXX on XX/XX/XXXX. At the time, I had XXXX XXXX. The company failed to notify me in time to appeal to both of them to help cover the remaining balance of my bill because of an address change. At the moment I am in contact with one of them to see what happened. I am also in contact with my current insurance to see if they can be of assistance. Furthermore, when talking with someone from XXXX XXXX ( around XX/XX/XXXX ) they told me that they will send some information to help me fill out an application. I have yet to get that. I just got a letter from the debt collector and they told me I need to send a reply by XX/XX/XXXX. That letter was delayed because it was sent to the wrong address.
10/16/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63376	Web
On XX/XX/XXXX, I received notice from One Advantage , LLC representing XXXX XXXX XXXX XXXX hospital for collection of medical debt. This agency is practicing an extortion scheme in which if payment of the balance is not received by a given date the agency will report the medical debt to credit bureaus. This method of extortion is an abusive practice as defined by the Dodd-Frank act, as it is unfair to low income individuals/consumers who lack the means to pay the balance demanded by the given date. I believe these practices being used are in violation of both UDAAP and FCRA. As such, I will be consulting with a litigation firm for the express intent to solicit a stop to these abusive practices.
10/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AZ 85712	Web
XXXX fraudulently billed me for procedures that were not performed, agreed to by myself, or authorized by the XXXX. While we have demonstrated that we payed the quoted price for the procedure, XXXX committed an anticipatory breech in this billing. After multiple attempts to bully us into payment, they have once again submitted this to another collection effort, a year after our last settlement of issues. This is causing us stress, time, money and unnecessary distraction. I am uploading the documents that should settle this once and for all, but please be advised that my files are complete and intact if you require any additional evidence of " intentional fraudulent billing practices ''.
03/18/2022	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	IL 60619	Web
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. First Source, XXXX XXXX XXXX and Source RM Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated.
03/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85143	Web	Servicemember
I have sent 3 dispute letters to both First Source, XXXX, XXXX XXXX and 3 credit bureaus in regards to failure to verify my account. They have continued not to provide me copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me to account statements which is not a proper form of verification of debt.
12/16/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA XXXXX	Web
i have been contacted by First Source Advantage for a XXXX CC debt from 10 years ago, the debt has not been on my credit report for years. could be potentially legit debt, I have been cleaning up my credit I 'm unsure what I have paid off in the past. I have ask for verification of this debt and even provided an updated address. they have failed to send any information. they called back after a month, i still had n't received any information, they verified the address in their system, which was correct. Here it is another month later I Have n't received any documentation and they called again. I told them i have n't received anything from them still and not to call me again.
03/18/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 60302	Web
First Source Advantage LLC continues to call me in attempts to reach someone. I am not the person they are attempting to reach and I've let them know that several times. I've asked for my number to be removed from call lists but it seems as if it hasn't been done. I have notes that I've spoken with XXXX XXXX ( date not recorded ) and XXXX XXXX XXXX ( XX/XX/20 ). Further, when I called their corporate office in NY ( XXXX ) to try and fix this problem, they told me they wouldn't do anything to assist me since it was another office that was contacting me. I found that answer completely lacking in professionalism and had no compassion for a bystander in their company 's practices.
05/30/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 070XX	Web
I received a letter fro m Firstsource Advantage LLC dat ed XXXX XXXX ,2017 stating that an account ( XXXX XXXX Credit Card ) has been placed with their organization for collections with a balance of {$1200.00}. On XXXX XXXX , 2017 I sen t Firstsource Advantage LLC a letter that t hey received on XXXX XXXX , 2017 to provide me with proof that this debt belongs to me. As of XXXX XXXX , 2017 I still have not received a response fro m Firstsource Advantage LLC. Theref ore, the collection agency failed to validate this debt in the required time frame. I have attached a copy of both their letter and mine along with proof of them receiving my letter.
05/24/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KY 402XX	Web
This company stated they have attempted to send my records to validate my debt and I have received nothing in relation to this collection. One Advantage LLC is a third party and having medical records is a violation to my HIPPA rights. I am allowed under th e Health Insurance Portability and Accountability Act ( HIPAA ) t o protect my privacy and medical records from third parties. I do not give any provider permission 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 I request my release of HIPAA authorization.
03/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO XXXXX	Web	Older American
I have never received a letter from One Advantage, just a phone call. I called them back and explained my situation and I can only borrow {$1000.00} from my brother to pay this off. I spoke to XXXX twice and she refused to ask XXXX XXXX XXXX if they would accept my offer. Im not employed and Im XXXX XXXX XXXX and cant work any longer. The collection agency is in XXXX, Illinois and XXXX XXXX XXXX is in XXXX XXXX part of XXXX. The balance is about {$3300.00} and I was told it will go on my credit by XX/XX/2022 and possibly sue me if not paid in full, or settled for {$2300.00}. My spouse is on XXXX XXXX XXXXXXXX and gets {$1900.00} a month. Can you help me? Thank you.
06/26/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AZ 85260	Web
This collection company sent me a fake XXXX XXXX notice about setting up a payment plan. I called the number and a middle eastern man answered the phone. He never once said he worked for XXXX XXXX, just that he needed my social and he would transfer me. Not catching on to the scam, I unfortunately gave him my social. I then heard multiple middle eastern people talking among themselves and hung up. " XXXX XXXX '' has called me today from caller ID # XXXX and # XXXX leaving a message to call back XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have notified all creditors that I am moving forward with a personal bankruptcy and I'm still being harassed.
04/01/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30331	Web	Servicemember
I received a called from XXXX with First Source today XX/XX/2020 around XXXX XXXX I've never heard from this company via mail.They are stating the debt is coming from a XXXX XXXX account I use to have. I'm not currently working but 2 days a week and I have rent, car loan and bills to pay. XXXX with First Source refused to send information via mail. We're dealing with a pandemic and this company is harassing me. I'm trying to figure out how I'm going to make it day to day and this company is calling and bothering me. First Source hadn't sent anything in the mail. How do I even know the bill and amount is valid. Please Please and please do not harass me via phone.
07/17/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30253	Web
I received a collection notice from First Source, original creditor is XXXX . I have disputed this account multiple times as I have no knowledge account and have requested XXXX provide validation of debt. Instead XXXX keeps selling the debt to different agencies and as soon as I ask for proof they sell it to another agency starting the dispute process all over again. The collection notice that First Source sent to me violates FCRA. This is the first notice I have ever received and it does not make a statement in the collection notice that I have the opportunity to dispute debt in writing. Please stop allcollection activity until debt is validated.
07/10/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30311	Web
On XXXX XXXX 2017, a rep from XXXX XXXX Hospital called me about a medical bills in the amount of {$1300.00}. She stated if I do n't pay it she was going to put it on my credit. I informed here that I have insurance and the bill should have been bated Thursday them. She said they do n't have insurance information on file. I gave here my name D.O.B and social security number. And she pulled up my old insurance information. I told here that insurance information is not right and gave here the correct information. She was very rude and aggressive about it. So I 'm thinking she did put the correct insurance information on file. And I did not receive a bill.
05/04/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	WV 253XX	Web
I was first contacted on XX/XX/ via email by FirstSource Advantage. They claimed I owed a debt to XXXX for {$71.00}. In this same email they included this, " Call or write to us by XXXX XXXX XXXX to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' XX/XX/ I emailed their support with a Debt Validation Letter and on XXXX XXXX XXXX I mailed them the same Debt Validation Letter to the address provided by them. I stopped receiving emails from FirstSource Advantage for XXXX days and then I started receiving multiple emails a day from them and have not received a response to my debt validation letter.
06/26/2015	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	CA 93021	Web
First Source Advantage, XXXX XXXX XXXX XXXX, XXXX NY XXXXXXXXNumerous repeat calls to my place of business and cell phone. When I called to inquire about the letter received, I was offered a debt settlement amount but it was a one time offer with a unrealistic date basically 10 days or if not I would be held responsible for the full amount with further legal action. The original debt holder " Charged Off '' this account and I was told verbally by the original debt holder that the monthly payments I was making are volunteer on my behalf. Therefore I stopped making them a few months ago and now I 'm dealing again with another collector.
03/25/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	DC XXXXX	Web
I've tried to settle the dispute amicably and have the itesm with XXXX XXXX deleted from my credit reports. I spoke with XXXX XXXX representative XXXX XXXX who disclosed on XX/XX/21 at XXXX that the account can not be reported to a credit reporting agency and payment or non-payment of the account will not affect my credit score. I have a voice recording of the XXXX XXXX official. The XXXX XXXX acounts are being reported negatively and the data is from XXXX yeara go and is improper. I agreed to settle, in good faith one acocunt, but the XXXX, First Source refuses to delete the item XXXX its collector denote and clesr the item.
04/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32955	Web
I was alerted by a credit monitoring site that a negative account was placed on my XXXX report. I never received any mail / notice from the company to let me know that I even had a debt. The report says I opened this account in XX/XX/XXXX, I was XXXX XXXX XXXX in XX/XX/XXXX I DID NOT TAKE OUT A XXXX LOAN OUT FOR SCHOOL at XXXX XXXX XXXX!!! I want this taken off my credit report immediately!! This company could have at least let me know about the debt so I could either pay it off or dispute it if its not mine! I have not been in school since XX/XX/XXXX so even if this debt is mine that means the account is over 7 years old!!!
02/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66604	Web
Attempts to collect medical debt giving confusing information & being returned documents that do not prove that the debt is mine ( ie they mailed me a copy of my Kansas drivers licence which does not prove that the debt is mine. One of the bills they sent says I owe them {$51.00}, another says {$0.00} under " final notice '', yet a third bill says {$140.00} i think before you go around saying i owe you money you need to make up your mind as to which amount it is after 2 requests for verification of the debt clearly indicates confusion on the part of the debt collection agency from the party they are trying to collect from.
01/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63376	Web
I contacted XXXX XXXX regarding them reporting a account that is over 10 years old on my credit report they could n't locate a account by my name or social security number or address. I disputed them reporting this account under my new bankruptcy in XXXX chapter XXXX. This debt should have been deleted a longtime before I filed bankruptcy but they added themselves as if this was a new or was due at the time of my bankruptcy. I asked then to remove it. I will not let this sit on my credit another 10 plus years .They verified this account being reported correctly XXXX/XXXX/XXXX but when I called them they had no information.
04/04/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MS 39120	Web
FIRSTSOURCE ADVANTAGE LLC violated the CFPB debt collections rules, with a debt collections letter that was sent me dated XXXX. I observed the following violations : # 1 The letter was mailed to my place of business # 2 NO itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date # 3 NO information about my debt collection rights # 4 NO Information on how to dispute the debt # 5 NO tear-off form that you can send back to the debt collector to dispute the debt or take other actions. Pictures of the debt collections letter is attached.
01/02/2018	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 435XX	Web	Servicemember
XX/X/2016 After repeated calls I asked the manager of XXXX XXXX XXXX to not call my work and gave my personal cell phone number. Reminded them that the fair trade commission established the fair debt collection practices act and under this act it states that after I have given them a oral warning not to call my work its consider harassment and if they continue to call my work I can seek legal pursuit after them.I have now documented and my front office has documented several times they have been calling my work number. They do n't seem to understand and continue to harass me and now I might lose my job because of it.
04/05/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	XXXXX	Web
I received collection in my credit report. I have insurance with unitedhealthcare which covers 100 %. Before my visit they told me that the insurance will cover everything. After my visit to the hospital, I received the bill, I contacted the insurance many times, they did not want to fix the problem. They told me to wait. I was waiting. Then I received the collection in my account from the creditorCreditor Contact DetailsFIRSTSOURCE ADVANTAGE XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX AgencyFIRSTSOURCEamount $ XXXXCould you please let me know how to fix this issue? Thank youXXXX XXXX-mail XXXXXXXXXXXX
09/27/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30248	Web
I sent a dispute on XX/XX/2018 asking FirstSource Advantage LLC to validate debt of {$230.00} I was looking to get full accounting of the alleged debt. I received a print out of an account summary from XXXX XXXX XXXX and without any of the other information requested from my debt validation letter. Under the Fair Credit Reporting Act I have the right to demand they disclose all the documentation requested from my original letter that was sent on XX/XX/2018. I do not have a contract with FirstSource Advantage LLC. Please send bonding agent for FirstSource Advantage LLC. in case if legal action becomes necessary.
02/23/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NJ 074XX	Web
I signed a stipulation of settlement ( attached ) in XXXX of 2015 which said my payments are due by the XXXX of each month, with a 7 day grace period. I have typically made payments on the XXXX of the month, but have decided to exercise my right to pay at the end of the month. I spoke with XXXX who said that the original deal I signed does not matter and I need to make payments by the XXXX. He said that if the payment is not received, my entire settlement agreement become null and void and I will be responsible for the full pre-settlement amount, and will have to prove my side by spending money on lawyers.
02/13/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CO 80022	Web
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
08/07/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY XXXXX	Web
Date - XXXX / Amount - {$400.00} / Violations of U.S.Code 1681 ( a ) ( 1 ) accuracy & fairness / 15 U.S.Code 1681 ( b ) permissible purpose / 15 U.S. Code 1681 C-2 /! 5 U.S. Code for reinsertions/ Legal documents letters of Cease and Desist / Harassment / Trademark & Copyright Infringement / were sent, issued to company, agency / owner, consumer alleged fraudulent debt was sent as negative debt, late payment, hard inquiry unauthorized as authorize user without the permission of consumer consent to all three credit beaururs XXXX, XXXX, XXXX, causing XXXX, unfair housing and employment opportunities.
03/14/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OR 97527	Web
I owe XXXX a debt. So now I owe first source collections. First source called me in XX/XX/2019 to set up a payment plan. I agreed to {$50.00} a month. They took {$50.00} for every month XXXX, XXXX and XXXX then they went ahead and took {$3800.00} on XX/XX/XXXX. It was all of the money I had. It left my account in the negative. I would never agreed to paying that big of amount. Not knowing what the future might bring. With XXXX children. I want my money returned. I have had to write them a email with bank statements and now I have to wait sick to my stomach hoping they return it. This isnt right..
10/04/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WV 265XX	Web
I have never been contacted by One Advantage LLC regarding this debt. I would like full verification and not just my address verified. I want proof this debt is mine, an itemized statement of charges, all payments from insurance, dates of insurance payments and denials. Plus I want the HIPPA form sent to me. I want proof that I signed giving the original creditor the right to release my information to any 3rd party especially since this is medical related and violation of HIPPA could be involved. This needs to be removed from my XXXX credit report immediately while verification is being done.
04/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 330XX	Web
Company repeatedly calls regarding an unknown debt. Refuses to provide any basic information without me providing my personal information. Resorts to pushy tactics to try and get me to provide personal information. When attempting to provide mailing address for communications, company indicated it would not speak to me without me providing my personal information ( birthday, etc ). They indicated I should have received a letter but no such letter was received. Company is trying to collect a debt I do not know about and do not have. The phone number calling is XXXX and listed as XXXX XXXX.
09/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30134	Web	Servicemember
I disputed items inaccurate on my credit report and to the company attempting to collect the debt. This is not my debt not owed. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
05/07/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
XXXX XXXX XXXX, XXXX CREDIT CARD Firstsource Advantage , LLC I settle the account with Firstsource on the ammount of {$520.00} and this company was going to notify XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD and delete it from my credit report but it does not show on my credit report, it shows that the account was reduced by {$520.00}, still shows that I still owe XXXX money. I settled the account for {$520.00} and they were going to delete it from my Credit Report. I have the letters they send me of total deletion. Please DELETE THE COLLECTION FROM MY CREDIT REPORT AS THEY PROMESSED.
07/31/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 189XX	Web
The company took {$1400.00} from my checking account before I agreed to the terms. There was no third party verification and the supervisor was pressuring me and trying to intimidate me into paying {$4500.00} which I explained that I could not afford. I told him I was no longer interested in the payment terms. I then went online and paid the past due amount to XXXX XXXX on the XXXX of XXXX, 2017. The next day, on the XXXX, of XXXX 2017, Firstsource Advantage , LLC. took the {$1400.00} out of my checking account without my authorization with a check that appeared to be written by me.
01/26/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 31904	Web
I purchase my domain names from XXXX. I make annual renewal payments. Firstsource Advantage have been emailing me stating I owe them {$32.00}. I renew my annual payments directly with XXXX. I do not have a pass due balance and I have never authorized XXXX XXXX XXXXXXXX XXXX to have access to my Go Daddy account. I have never signed an agreement with XXXX XXXX XXXX, XXXX. I have never signed an agreement with Firstsource Advantage. I have called and asked them to stop emailing me, contacting me for payments. At this point I feel as if they are trying to extort money from me.
07/03/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MI 48234	Web	Servicemember
My former Landlord took pictures and emailed me the letter from First Source Advantage LLC. I. I longer live at XXXX XXXX XXXX I am recently married and moved to XXXX, Mi. I dont even remember XXXX XXXX I had someone else paying my bills I have a payee over XXXX check I am not able to work due to XXXXLike I said I do not live in XXXX anymore and not at XXXXXXXX XXXX anymore mail is supposed to forwarded to XXXX.I have complained about First Source Advantage before and I former landlord has filed a complaint and told them to stop sending mail to her residence.
03/11/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 93446	Web	Older American, Servicemember
In early XXXX, 2020, I received a letter from Firstsource Advantage offering to settle my account with them for {$310.00}. On XX/XX/2020, I called Firstsource and spoke with a representative re : the account. I then made an online payment of {$310.00} to settle the account. After that phone call and payment, I thought that the issue was settled. On XXXX, I received a letter from Firstsource informing me that I now owed {$690.00}. This amount is even more than the original amount they quoted, and more than twice the amount that I paid to settle the account.
09/23/2016	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	PA 161XX	Web
My loan was through XXXX XXXX of XXXX, I graduated XX/XX/XXXX, XXXX put it into collections XX/XX/XXXX with out notice to revenue services. I contact revenue services made payment arguments, then they closed my account. I was recently contacted by one advantage that stated I had one day to come up with half of the payment and refused to accept anything less, and stated if I do n't they will put my account into collection the fallowing day. Am I still accountable for this account and if so what are my rights? I did pay a one time payment online of XXXX .
10/09/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 45245	Web
I spoke with XXXX who attempted to collect a debt owed, he said on a recorded line that I owed an amount plus interest and fees and he would be able to settle for less ... from my knowledge and written proof as well as verbal confirmation from a supervisor .. only XXXX amount is subject to collect, XXXX XXXX made it seem as if he was giving me a deal by asking for less .. which is false information tactics in order to collect a debt I would like the collection agency to stop and the original debt to be removed from my credit reporting agencys at once.
10/27/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 625XX	Web
FIrst source advantage has repeatedly called me about an " important business matter '' concerning someone who is not me. I have told them that I am not the person they are looking for and to stop calling me. They have not stopped calling and have called my work several times as well. XX/XX/XXXX - 4 calls to cell phone ( XXXX, XXXX XXXX, XXXX ), 1 call to work phone XX/XX/XXXX- 4 calls to cell phone ( XXXX, XXXX, XXXX, XXXX ) 1 call to work phone, also called my place of employments main number and demanded that the secretary give me a message
07/06/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	IN 46236	Web
On XX/XX/2022 at XXXX p.m., I received a phone call from XXXX XXXX at First Source Advantage , LLC in regards to my wife 's XXXX card. They offered me a 50 % settlement, and I agreed. When she asked if there was anything else she could do at the end of the call, I made the comment ; " Nope, great to have yet another scummy debt collection agency off of my back. '' Her response was ; " Well, I'm glad you paid your bill. '' This constitutes a violation of 12 CFR Part 1006 Subsection 14 " Use of harassing, oppressive, or abusive conduct. ''
07/30/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OH 44120	Web
Your company has contacted me over XXXX times via email about an alleged debt from XXXX XXXX, XXXX in the amount of XXXX. That is XXXX violations, which each violation is {$1000.00}. These emails have resulted in mental stress, which is causing significant inconvenience. Every email came at such an inconvenient time and caused me great anxiety. I have sent a pre-arbitration letter on XX/XX/2023 with no response. I have tried to settle this matter amicably. I will have no choice but to move forward if there is no response to my letter.
09/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30134	Web	Servicemember
I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
11/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 291XX	Web
XXXX XXXX XXXX charged off my credit card. I filed complaint XXXX with your agency that it was being reported on my credit beyond the statute of limitations. Although they removed it from my credit file, they are still attempting to collect this debt from me and still have it listed in my statement of accounts as owed despite the bank charging it off and receiving a tax deduction for the loss several over seven years ago. I think they are engaged in deceptive practices and collecting debts they charged off is a form of fraud.
05/23/2016	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	CA 92065	Web	Servicemember
This one advantage, llc trying to collect debt from XXXX/XXXX/2007 If this pertains to school loans and all my loans where consolidate and are in forbearance so I do not owe what they are trying to collect. If this is from XXXX they lied about there programs and rushed me to start before I was ready and before they had all my transcripts to make sure I was able to start program selected and that it would lead to career desired and I found out after it would not when they told me it would. Staff was not helpful ... only want money.
11/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 341XX	Web
I had a XXXX credit card that I payed off the balance and closed in 2021. The company First source insists that I owe {$210.00} that I need to pay. XXXX can not " find '' my account because it's closed. Yet I am still getting emails and calls from First source insisting I pay the money " owed '' though they can not tell me what the money is for ( other than that it was owed to XXXX and they now own that debt ). Attempts at clearing this up with both companies ( XXXX and First source ) have not accomplished anything. Please help.
10/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30032	Web
I sent a letter to One Advantage LLC to dispute and my credit report has not being noted disputed by the consumer. One Advantage didn't herby the law of the FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. USPS tracking number XXXX XXXX XXXX XXXX XXXX Letter delivered on XX/XX/2021, XXXX XXXX
05/22/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 92223	Web	Older American, Servicemember
In XX/XX/2020 I informed FirstSource Advantage , LLC that our account with XXXX XXXX XXXX ending in XXXX XXXX for {$1700.00} was assigned to XXXX XXXX XXXX ( a credit card payment consolidation company ). We informed XXXX about the situation and accepted to include the bill to our credit card consolidation file. Today we received another bill from FirstSource dated XXXX. We want FirstSource to stop harassing us regarding this bill. You may contact us at our home phone XXXX if you need more details. Thank you. The XXXX XXXX
06/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA XXXXX	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
10/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 27616	Web
I paid the collection agency " Firstsource Advantage LLC '' {$2100.00} on XX/XX/2021. Despite this payment in FULL, the collection agency is refusing to notify the original creditor, XXXX XXXX XXXX , that the debt is paid in full. Therefore, I have a charge-off of {$2100.00} reported on all 3 credit bureau reports by XXXX XXXX XXXX XXXX Further, I logged into the payment website for Firstsource Advantage LLC on XX/XX/2021 at XXXX XXXX XXXX and the account STILL shows a balance of {$2100.00} ( documentation attached ).
12/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30329	Web
We started receiving calls from Firstsource ADV XXXX XXXX XXXX last summer about debt collection for someone else. I called back on XXXX XXXX, 2015. I told him that they have the wrong number and they were reaching the XXXX residence. In other words, they were calling the wrong person. We were rudely asked " what phone number do you want me to remove '' and we told him. He refused to take the case number ( XXXX ). However they still are calling us, and just called this morning, XXXX XXXX, 2015. We want this to stop!
05/17/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92505	Web
I have been making payments to one advantage and they are not applying them to my account. The customer service rep said that have another other accounts not reflected on my credit report. I currently have an open dispute because they sent me verification for another person with similar name. They also have an account in which they list the first name of XXXX of my children and the last name is totally different. They said I have a balance of about {$1100.00} when all XXXX credit reports are showing only {$530.00}.
02/26/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30316	Web
A few weeks ago, One Advantage sent me a letter stating I owed a creditor money. I responded by US Mail, with a 7-word note stating I owed no money and to refrain from contacting me again. They contacted me again. Less than two weeks later, they sent me a second note, with an enclosure an itemization, writing, Enclosed you will find the information you requested. I requested no information. Not only was this second contact unethical, they lied. I request that this harassment stop immediately. Thank you.
02/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web
There was a hospital bill that showed up on my credit profile that went into collections {$1400.00} the company name is One advantage LLC and XXXX XXXX hospital is the Original creditor I sent in my fraud packet on XXXX And Ive spoken to them maybe 3 or 4 times and they are very disrespectful and rude its been over 30 days and they are still giving me the run around its going on XXXX and this debt is still on my credit report and its affecting my credit score. This is the company Creditors phone number XXXX
09/17/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	HI 967XX	Web
Company sent me a letter dated XX/XX/19 - I received on XX/XX/19. On XX/XX/19 I disputed the debt and requested validation. The company blatantly broke the law by reporting the account on my credit report on XX/XX/19 without responding to the dispute or validation request. The broke the law numerous times because they reported before the 30 day period is up and they did not respond or validate the debt before reporting on my credit. This debt is not valid, it was settled with another debt collector.
03/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30066	Web
I never received a direct bill from XXXX XXXX XXXX in XXXX. They sent my account directly to a collection agency, One Advantage. I made the following payments, but continue to receive notices for payment from One Advantage : XX/XX/20 paid {$300.00} ( acct. # XXXX XXXX XX/XX/20 paid {$480.00} ( {$300.00} to acct. # XXXX and {$180.00} to acct. # XXXX XXXX Account numbers : XXXX and XXXX ( creditor # XXXX ) XXXX XXXX creditor # XXXX ) One Advantage, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30305	Web
I am a victim of identity theft and someone used my personal information to obtain this fraudulent account in my name through XXXX XXXX XXXX. I did not benefit from any goods or services of this fraudulent account. I filed a police report with XXXXXXXX XXXX XXXX I am requesting for XXXX XXXX and XXXX XXXX to delete and remove this fraudulent account from its system and my credit report immediately or legal actions will be taken against your company. XXXX. XXXX XXXX XXXX. Account XXXX ending # XXXX
06/16/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60617	Web
I recieved a bill from the collection agency on XXXX-18. After recieving the bill for the amount owed. I responded to the collection agency with a verification of debt letter. Soon after, I recieved another letter from the collection agency asking me to settle the amount for lesser than what is owed. The collection agency has yet to validate the debt, nor have they responded to my request. Due to the fact that the debt is not validated, I request that the CFPB have it removed from my credit report.
04/21/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MO 64836	Web
On XX/XX/2020, Firstsource Advantage LLC called me several times in a row from a spoofed number, impersonating a local business. The spoof number that they called from was XXXX. When I asked who they were, they were not forthcoming with the information and I had to ask them several times. They also called me from a spoofed number impersonating the phone number of a family member of mine which they have previously contacted on more than one occasion. They have also contacted my family members.
09/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33647	Web	Servicemember
Order number # XXXX from XXXX XXXX was timely cancelled, and therefore never shipped/delivered or received by us. This order was initially financed through XXXX, and they did not updated the loan as cancelled and removing the charges. The account was recently referred to collections to Firstsource Advantage. We have made multiple unsuccessful attempts to have this information corrected and avoid credit impact, however all parts have not taken the necessary steps to have this issue resolved.
03/19/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	CA 94025	Web
XXXX is using multiple debt collection services and continues to collect on an invoice that has already been paid. In 2016, the used XXXX from GA and now they switched to Firstsource Advantage LLC. There have been other collection services involved as well, however, I do not have access to the paper any more. In all these cases, we provided the sufficient evidence that the payment has been made. XXXX seems to ignore that information and is switching to another debt collection agency.
09/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 45251	Web
The amount received on the letter for account XXXX shows {$690.00}. However upon logging onto the website as instructed on the letter the balance in full of XXXX was the only balance reported under any account or option under my name. This was paid in full and the collections agency now claims I owe more money under this account number and states only a partial amount was paid. This is an error from the collections agency and should no longer pursue debt in my name. See attached proof.
01/11/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Trouble with how payments are handled	LA 70058	Web
The university returned a portion of my student aid without informing me until after the term was completed. I was enrolled for a certain number of hours. I was unsuccessful with one class. The university had already received my financial aid package and applied it to fullfill the balance. However, at the end of the term, they returned a portion of the funds because i was not successful in a class. They did not correspond with me prior to doing this or inform me that it would happen.
06/17/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MS 38671	Web
Received a call from ( XXXX ) XXXX. The lady said her name was XXXX calling from First Source Advantage LLC. She never asked for me by name. Also the number ( XXXX ) she asked to be called back on was different than the caller ID number. I then looked up the number and read all these complaints about it being a scam. Ive never received any mail from this so called company. I would like my number removed and if need be I would like to be ceased and dismissed. Thank you, XXXX XXXX
12/01/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30143	Web
The original debt was {$140.00} which was recently satisfied. Now I have Firstsource Advantage , LLC at XXXX XXXX XXXX XXXX, XXXX, NY contacting me regarding the same debt being {$320.00} and additionally sending my personal and private financial information to the attention of someone who was not associated with the account at all. The account was opened under my business name with one owner, myself. I find this to be a violation of my private information regardless of who it is.
05/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33150	Web
How did you get my personal information? Who and what gave you the rights to violate my rights to privacy as a federally protected consumer? And Are you aware of the laws youre in violation of by getting an federally protected consumer personal information without consent? Now Im giving you this one opportunity Firstsource Advantage LLC to explain yourself and answer every question mentioned above. Failure to comply will result in fines. Best regards! And the best of luck!
03/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 63108	Web
XX/XX/2022 I received Collections letter from one advantage I called The XXXX XXXX to educate the agency that the I was in an active bankruptcy and shouldnt get calls nor letter and to cease and desist I was hung on on the first call the second time I was Transferred after giving the reference number to the agent she said I had the wrong department called again hung up on called a third time asked for a supervisor I was told the supervisor wasnt available hung up on again
04/18/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NV 89031	Web	Servicemember
Debt collection agency notified me XX/XX/2020 I owed then for a aledged credit card debt. Following CFPB & FDC guidelines I sent the first request for Debt Validation on XX/XX/2020 entirely within the 30 days as required. I did not get a response at all. I then ( being nice ) sent another Debt Validation Certified letter on XX/XX/2020 and as of today which the 30 days has expired, have not received anything. I have all documents with necessary proof upon request.
07/30/2015	Yes	Student loan Non-federal student loan	Getting a loan Can't qualify for a loan	FL 33319	Web
There is an account on my credit file with XXXX and reporting negatively by First Source Adv with a account number # XXXX. I have not had a loan in connection with this school. In XXXX I contacted the school ; the FTC # XXXX ; Credit bureaus to dispute this account who refuse to supply me with the information I require for validation of this account such as promissory notes ; contracts and agreements and all other documents pertaining to the opening of this loan
11/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19139	Web
I am writing for the record that FIRSTSOURCE ADVANTAGE LLC is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including FIRSTSOURCE ADVANTAGE LLC, and has decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).
08/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89134	Web
FIRSTSOURCE ADVANTAGE LLC seeks to advance collection for XXXX XXXX XXXX for an alleged XXXX XXXX XXXX debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. The debt collection is barred by the statute of limitations and enforcement is illegal. Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}.
03/21/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 737XX	Web
The phone will ring once and hang-up several times a day from the same phone number. The calls are 7 days a week at all times of the early morning to late at night. Harassment is the intended purpose. I do not owe any debts and this company needs to produce documentation saying otherwise or stop calling. They call from this number ( XXXX ) and after doing a reverse look-up of the number it belongs to Firstsource Advantage , LLC XXXX XXXX XXXX, XXXX, IL XXXX
10/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 614XX	Web
Phone voice mail call received on XXXX XXXX from a " XXXX '' said he works for a company " First Source Advantage, LLC '' in regard to a unpaid debt. He left a callback number XXXX and a case number XXXX. I am a federal employee and have been involved in XXXX data breeches over my carrier. My SS number was used in a fraudulent tax return in 2013. I researched this company and it has been associated with fraud. Contacted FBI and they referred me to you.
08/14/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	TX 76115	Web
On XXXX First Source Advantage sent a settlement offer for a debt. On XXXX a request for validation of debt was sent to the debt collector. On XXXX a second request for debt validation was sent to the debt collector. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.
05/18/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KY 402XX	Web
I have sent several letters asking this company to verify my debt and they have yet to send over any documentation showing that said debt. They continue to report this debt to the credit reporting agencies which is damaging my credit. I have the right due to the Fair Credit Reporting Act to request this information and be provided with it in a timely manner. If they fail to do so they should immediately have this taken off my credit report.
09/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OK 741XX	Web
The debt collector named Firstsource Advantage , LLC is unlawfully in possession of my non-public personal information and sharing it with other 3rd party companies without my consent, which is identity theft as defined by 15 USC 1681a ( q ) ( 3 ). I do not know Firstsource Advantage , LLC, and have not contracted with them in any way. They should not have possession of my non-public personal information. They also shouldn't be sharing it.
10/28/2015	Yes	Debt collection Federal student loan	False statements or representation Indicated committed crime not paying	FL 33610	Web
The company listed on the attachment posed as a debt collector for the department of education. Leading me to believe that my debt would be settled and cut in half if I agreed to make a one time payment. The company told me that the department of education would be paid in full by them. Months later I received a call from another agency representing the department of education, " saying the debt still remains and nothing was paid off. "
10/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MS 39042	Web
I have tried to contact this company several times. I have spoken to several people and left voicemails with no return call or resolution. They are saying it for a debt I have for an old hospital bill with XXXX hospital. However, I have called XXXX directly and have been told I have or had no outstanding money due, and they do not know what the collection company is trying to collect. How do I have this removed from my credit report?
02/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MI 49423	Web	Servicemember
The problem is that the collections account is listed as XXXX and I received notification from Firstsource Advantage called XXXX they said Id have to contact XXXX XXXX was transferred to an extension and left message. Trying to settle debt but am shuffled between 3 different collections companies. Negative remarks added to credit report because I am disputing endlessly because there are too many creditors notifying for one account.
08/29/2023	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	FL 33023	Web
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15USC -1681 section 602 states I have the right to privacy. 15USC -1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC-1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
03/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85756	Web
Received notice at a previous address that a credit account was created by XXXX under my name. I contacted them and requested they delete the account as I had not opened it. They refused because it was not under my social security number. I then filed an identity theft report with the ftc ( report reference XXXX ). Now I am received a harassing debt collection notice regarding this account that I already told XXXX was not mine.
06/23/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KY 42303	Web	Servicemember
Firstsource Advantage , LLC contacted XXXX XXXX and proceeded to ask him if he knew XXXX XXXX. The guy stated that she had a credit card with XXXX that she owed {$810.00} on and that the debt had been sent to collections. I do not know how they got XXXX XXXX XXXX name nor his phone number and they should NOT have shared personal debt information with a third party. This is a violation of FDCPA, data protection and my privacy.
12/04/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33404	Web
( Firstsource Advantage , LLC ) at ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) has been calling Me, for the amount of {$0.00}. After I ask multiple times to stop calling, I had to change my phone numbers 2 times so i could stop receiving calls, now they find my new number and they call then hang up. I do not know this company. I have never done any Business with this company. This company does not have a contact with my signature.
05/31/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	AL 35007	Web
Got a call from a XXXX XXXX who said he is calling on behalf of One Advantage LLC for Account # XXXX. He said I have to take care of this business matter today or they will proceed to take further legal actions and will file a motion to garnishment against my check within the next 24 hours if the matter has not been resolved. The person that called me had a XXXX accent and was very rude. He said the amount was for XXXX.
01/29/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA XXXXX	Web
Received a letter from a company called One Advantage, LLC, They claim that I owed money ( {$1000.00} ) and asked me to pay {$150.00}. I never heard of the medical company they referenced, never had service from them. This is clearly a scam that is trying to take advange of persons who may have medical debt ( many people do given the cost ). I am reporting it so that others are not harmed by this scam.
01/21/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33014	Web
Good morning I started doing online payment each month without communicating with any rep because is only from Monday to Friday, and I can get a time on working hours, I went to the Hospital website and I started payment each month and I keep receiving letters that I owed same amount of Money, I keep all documents on record, I believe a fraud is on one of those part involved, any payment Have been posted,
08/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28056	Web
One Advantage LLC has reported a false medical bill charge to my credit report. It states I owe {$52.00} for date of service XX/XX/18 for a doctor that we don't go to. We live in North Carolina and this is for a doctor in Kentucky. I have contacted the doctor and they have no record of us being there on XX/XX/18. Please remove this fraudulent charge immediately. One Advantage has damaged my credit score.
03/30/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	FL 33322	Web
They call, usually robot calls leaving a message that a payment for their reference number is required at their website, www.fsapay.com, before they start litigation. There is no information for whom they are collecting or why. They call 5-7 times a day. There is no return telephone number. There is a disclaimer at the end that if you 're not the intended recipient, to hang up and delete the message.
10/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AL 35613	Web
I have a collection that is on my credit report with a {$0.00} with First Source Advantage and when I called to ask them to remove it, they stated that they have no accounts for me under my name or my social. No one there could give me an answer as to what this collection pertains to and who I could speak to to have it removed as there was no account they could locate to help me with my situation.
01/12/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IN 46368	Web
XXXX XXXX / First Source Advantage is calling my phone number. After researching the number I learned that this collection agency will call friends and relatives and discuss personal business against federal law. This letter serves as notice that THIS IS NOT VALIDATION OR VERIFICATION OF A DEBT. All calls to XXXX must cease immediately. No contact whatsoever. No further information will be given.
12/17/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 156XX	Web
XXXX XXXX XXXX XXXX billed me for an unreasonable amount at the end of my car lease. I wrote several letters to dispute the charges. They never answered, but instead turned me over to their collection agency. I wrote to the agency, included all the letters I had sent to XXXX, but they reported to the credit bureaus that this was a write off, damaging my credit score. Score was XXXX, is now XXXX.
04/25/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33068	Web
I Have Sent Dispute Letters To This Company That There 's Noting Stating That I Signed Saying Anything Will Be Sent To A Collection Agency. I Signed A Release To Have Medical Treatment and The Release Of Medical Information That 's It Nothing Else And I Want This Off My Credit Further More Its a Hippa Violation!!!! {$2000.00} On XXXX / XXXX / XXXX Was Added To All XXXX Of My Credit!!
04/14/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MD 212XX	Web
I do not dispute that I owe the debt. My complaint is that the agency calls multiple times/day and several days/week which constitutes harassment. They will call XXXX times within XXXX or XXXX minutes. They call, hang up with no message and call right back and will do this multiple times/day. I have also requested that they not contact my employer and they have done that after my request.
08/09/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	VA 20111	Web	Servicemember
They were calling about a delinquent XXXX account and were trying to offer a 60 % payment deal so I wouldn't pay in full. The agent asked me to speak to the supervisor but he was pushy and tried making me pay money today. He asked me to verify my account and asked for a last four of my XXXX and my birthday, but didn't let me hear my address. I was scared and hung up after they were rude.
05/15/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 48322	Web
I had a debt with XXXX XXXX The amount owed is indispute based upon XXXX 's rejection of prior returns, without any notification of what the returns concerned. I also was charged an amount in excess of the quoted XXXX amount. I would like a current balance so I can timely make payments as I always have and that the 3 Credit Reporting Agencies be advised payment is current or disputed.
07/04/2023	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	TX 75165	Web
On XX/XX/2023, Firstsource Advantage , LLC sent me a letter purporting to be a debt collector attempting to collect an alleged debt from me. {$760.00}, but will settle for payments totaling {$390.00}. XX/XX/2023, I sent them a letter disputing this alleged debt, a cease & desist collection attempts, an invoice for FDCPA violations contained in the letter, and a pre-arbitration demand.
05/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32725	Web	Servicemember
Someone opened up a credit card with my OLD married last name ( that I havent used since XXXX ) and let it close and go to collections. Ive told this company over and over again it was NOT me but they keep insisting it was because they were talking to me on the phone. When I mentioned thats what fraud people do, they pretend to be someone else they hung up, but still will not fix it.
01/10/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	WA 990XX	Web
Repeatedly Called using automated dialer and left detailed message on voicemail of cell phone that is not in my name about their attempt to collect a debt. Messages left on XX/XX/21, XX/XX/21, XX/XX/21, XXXX, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. One Advantage was told to stop calling the first time they called. Harassment and voicemail messages continue.
03/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89102	Web	Servicemember
FIRST SOURCE, FIRST SOURCE ADVANTGE, LLC SENT ME A NOTICE SAYING I OWED THEM {$490.00} ACCOUNT # XXXX WHICH I NEVER HAD. I AM REQUESTING A VALIDATION OF THIS DEBT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA. I AM ON SSDI, SO MY INCOME IS FEDERALLY PROTECTED. PLEASE SEND ME THE VALIDATION IN A TIMELY MANNER, THEN I REQUEST THAT YOU STOP TRYING TO CONTACT ME ANYMORE.
01/28/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85718	Web
Firstsource Advtantage LLC continues to call me every other day leaving a voicemail just saying to call back. No information, no confirmation of who they are calling. I've never owed a debt outside of my monthly credit card bill which I pay on time anyway. They need to stop and it's obvious their actions are terrible given their feedback and multiple threads on forums online.
06/22/2018	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 94102	Web
XXXX XXXX, XXXX has contacted me multiple times attempting to collect an alleged debt. I have demanded that XXXX XXXX XXXX provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that XXXX XXXX XXXX is authorized to act in loco creditore. XXXX XXXX, XXXX has failed to provide all of the information I requested.
06/05/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MI 482XX	Web
I lost my job and my family was Evicted from XXXX XXXX XXXX I forgot about credit card because of homelessness.Landlord Said my mail should be sent somewhere else I am in XXXX now seeking employment living I a shelter.I was and still unable to pay I think it said XXXX XXXX when I was employed I paid bit how can someone pay any bills with out and job or a home to live in?
06/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33313	Web
XXXX/XXXX/XXXX {$1100.00}, I Called the company that showing on my credit report to find out what this is and I would told them I was treated at XXXX XXXX and that the i owed this amount I told the agent that I was not in the hospital, and this is not my debt and i would like to have this removed from my report because it is taking my score down. One Advantage LLC, XXXX
05/30/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	TX 75044	Web
I been having alot of problems with FIRST SOURCE but i want to report that they are proving personal information about me to others, they keep calling my work and have actually told 3 of my manager of my debt and now people know im in collections with them bc they provided that information to 3 of my managers. We also not suppose to received personal calls at work.
01/09/2023	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	TX 77083	Web
The Debt Collector is in communication to collect debt when there is no contract that I signed for them to access my information or the company to collect any debt at all. I need the company to stop all communication efforts as they are in violation of my consumer rights. I need the company to XXXX under penalty of perjury you were present during the alleged debt.
07/06/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 91360	Web
On the first contact, the collector DID give the Mini-Miranda, but DID NOT verify any of my information such as D.O.B or last XXXX of SSN before proceeding. Once she asked if this was " first name, last name '' and I said yes, she immedietely began to disclose information about my debt. ( I could of been any " first name, last name '' ) This is an FDCPA violation.
10/04/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KY 40219	Web
Paid {$450.00} in XXXX 2017. XXXX XXXX XXXX still reporting negative on credit report and claim they cant remove paid account off credit report but updated as paid. Not following the Fair credit act. I am aware XXXX XXXXe bought my debt online XXXX XXXX hospital sold account. XXXX XXXX hospital is VIOLATION my HIPPA rights to give information to XXXX XXXX XXXX
01/07/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33907	Web
A relative used my social security number when checking in to a hospital. He did not have any identification of mine, he just knew my social security number. I have tried to get any documentation from the collection agency proving the medical bill belongs to me and explained that a relative had stole my identity. They have refused to provide any documentation.
08/07/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA XXXXX	Web
The company started calling on XX/XX/XXXX. It is a robocall. I called the number to inform them that this is a business line, but the representative hung up. The company continues to call almost daily and will not say the name of the person they are trying to reach. This is a business line and I don't owe any debt so I know they are not trying to reach me.
02/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33064	Web
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
01/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KY 402XX	Web
I received a letter in the mail from " One Advantage '' stating that I owe an alleged debt. I am a federally protected consumer under the United States Constitution and my consumer rights are being violated. I do not owe and debt and I demand that they cease any collections effort immediately and do not report anything to any credit reporting agency.
07/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30032	Web
On I discovered ( ONE ADVANTAGE LLC ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.
01/21/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75237	Web	Servicemember
I sent a letter to XXXX XXXX regarding account number XXXX asking to verify and validate the debt. I was notified that this account was verified without any proof of original contracts and documentation with my signature. I was not given a fair and thorough investigation per FCRA. and I also believe they may not have a license to collect in Texas
07/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 707XX	Web
I have reason to believe that First Source Advantage has my nonpublic identifying informational without my consent and is attempting to coerce me to pay an alleged debt which is illegal. I need them to prove how they received my private information without my consent and also what law gives them the right to attempt to collect this alleged debt.
10/20/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	SC 29063	Web	Servicemember
This company never sent me a notice of right to dispute at all. I sent a debt validation request asking for information and they have yet to respond. They even pursued to report the debt to XXXX and had not yet validated the debt with me during this 30 day period. This is a violation of the FDCPA. I will seek legal ground if this is not stopped.
01/13/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web
I am filing this complaint because XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response
02/05/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 274XX	Web
Company has pulled personal data and has contacted me at my place of business. I was told that it was left as a " contact number '' which is an untrue statement, I hadn't been working here when this account was active. My company has now started questioning my financial responsibility to handle receiving payments on customers accounts.
08/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 120XX	Web	Older American
on XXXX XXXX I was contacted by XXXX i told them the person they are calling for does not live here and to remove my number. they said they would remove the calls. on X/XX/17 I received another call by XXXX asking for same person to collect on. FIRST SOURCE is abusing my phone # and I am a senior citizen and a military family member.
10/05/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IN 46324	Web
I obtained a copy of my credit report and noticed that this company was reporting an account that I 'm not familiar with. I disputed it with the bureaus and they continue to report it. I then sent a certified letter to them demanding validation and clarification of what this is and I still have not received any correspondence.
12/27/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NV 89031	Web
In an attempt to contact FirstSource Advantage I asked the company for Copy of original contract, payment history, name and address of original creditor, proof of collections authorization, & purchase debt agreement. This information was not provided to me. I have yet to receive and verification stating that this is my debt.
01/30/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 90005	Web
On XX/XX/2016 I mailed via certified mail an constructive notice in a form on affidavit sworn under the penalty of perjury to Firstsource Advantage LLC. Firstsource Advantage LLC failed to respond to my affidavit with a proper validation within 30 days. Firstsource Advantage LLC keeps sending me offers to do business.
05/11/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30033	Web
On XXXX XXXX, 2015, I disputed this debt through XXXX Credit Bureau. See Attached Since it was verified I requested what documentation was used to verify such debt. And requested through debt collector what contract does it have assigned to them. This fraudulent attempt to collect a debt should be removed immediately.
07/31/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KY 40065	Web
They keep calling, usually refuses to say who they are, or the company. When they do actually disclose this, they refuse to say why they are calling, other then to say its a personal matter. They refuse to state what the company does. They just keep saying its a personal matter, and the person does not even live here.
01/03/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33067	Web
I reached to XXXX XXXX XXXXXXXX, a few times to let them know that they sold the account to a collections agency. Despite, me paying the monthly balance with First Source of this card it is still being negatively reflected on my credit report with XXXX XXXX XXXX. Attached is a copy of the debt on my Credit Report.
01/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OR 97206	Web
I had a XXXX # XXXX issued by XXXX XXXX XXXX It was paid. I want the debt collector Firstsource Advantage , LLC, ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX ) to acknowledge this on my credit reports. Thank you. Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
09/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08021	Web
FIRSTSOURCE advantage has been sending emails demanding I pay an unvalidated debt with false and deceptive forms 15 USC 1692j. With no prior consent from I consumer pursuant to 15 USC 1692 ( c ) ( a ). This is extortion due to the FACT I have no known authorized CONTRACT AGREEMENT with FIRSTSOURCE ADVANTAGE.
10/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30033	Web
One Advantage Debt Account # XXXX was paid in full amount {$54.00} on XXXX/XXXX/16 via mastercard to creditor XXXX XXXX XXXX directly. However, One Advantage fails to acknowledge that the debt is paid in full. I have asked them to contact XXXX XXXX directly to confirm full payment, yet they fail to do so.
10/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33441	Web
In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me.
05/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 337XX	Web
REMEDY : DELETION OF SAID ITEM AND PAYMENT OF INVOICE DUE TO FCRA VIOLATIONS for Damage of Reputation, Pain & Suffering, Harassment, Violation of Privacy, Selling of Private information without my written permission, Telephone Harassment ( over 10 phone calls after asked to refrain ) {$100000.00}.
01/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 27405	Web
this account was a result of my identity being stolen and yet their is a collection for services or things that i never was there for it was opened because of my identity being fraudulently used ... i have since filed updated police report and notarized affidavit of id theft from the ftc
01/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11420	Web
FirstSource Advantage LLC, illegally bought an unknown debt from XXXX XXXX, They have no Authority. I do not have a legal binding contract with Firstsource Advantage LLC nor do I wish to contract with them. They are violating mail fraud laws, XXXX laws, Violation of my right to privacy.
10/30/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 331XX	Web
XXXX contacted collection agency called One Advantage, LLC and advised them that I do not owe anything on # XXXX/XXXX {$650.00}. I contacted One Advantage, LLC and requested from them a closed paid in full letter noting that I am not responsible or do not have a pending open balance.
11/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO XXXXX	Web
I have written XXXX XXXX, filed complaints with the CFPB and the credit reporting agencies in regards to this fraudulent account. I did not authorize this account nor did I give anyone permission to obtain credit in my name. This bill does not belong to me and I refuse to pay it.
12/20/2016	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	CA XXXXX	Web	Older American
Receiving collection notices in my name for medical debt incurred by my granddaughter who is XXXX years old and has nor lived with me in over five years. I have told them not to contact me since I have no information about the debt or her whereabouts. I consider this harassment.
04/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33060	Web
For months I have written One Advantage collection company, requesting a validation on debts they have issues on my credit report. They have issues a total of XXXX accounts ( # 's XXXX,XXXX, and XXXX.Please have this company validate these account and inform me of their finding.
10/30/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 331XX	Web
XXXX contacted collection agency called One Advantage, LLC and advised them that I do not owe anything on # XXXX {$650.00}. I contacted One Advantage, LLC and requested from them a closed paid in full letter noting that I am not responsible or do not have a pending open balance.
06/16/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33130	Web
I was hospitalized agains my will. I tried to call many times XXXX XXXX XXXX for all information about my bill. I was a XXXX in states and the bill for 2 days is totally agains my will. I want full bill with every single charge. They refused to send me this information.
06/12/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	SC 293XX	Web	Servicemember
I quit using this credit card while it was under the {$400.00} limit. I don't know how it went from a low amount to collections with a {$590.00} balance. Even if the service charges were applied that would take a lot longer than it did to get the letter from first source
07/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66604	Web
Sent collection letter notice by XXXX XXXX XXXX regarding alleged medical debt, asked for verification of debt, received paperwork from XXXX XXXX containing screenshots & print out of account but nothing substantiating that the account belongs to or originated with me.
02/24/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	PA 19426	Web
On XXXX XXXX, 2016, I mailed a letter to Firstsource Advantage requesting how to contact me. I informed them in writing to only contact me by mail. The letter was received by them on XXXX XXXX, 2016. Today, XXXX XXXX, 2016, they called my mobile phone number at XXXX.
10/13/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60651	Web
Received notice dated : XX/XX/ from firstsource in reference to an alleged debt owed to XXXX XXXX for the amount of {$1300.00}. I have nothing to do with this alleged debt in my name which is why I am requesting per law to provide validation for this alleged debt.
04/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 227XX	Web
First Source Advantage called from XXXX asking for me by my maiden name, which i have not used since 1990. All they would say is the call was being recorded and would provide no additional information. I did not provide them with any info, but it has to be a scam.
02/15/2017	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	LA 70114	Web
This company is leaving messages at my place of employment after telling them by phone to not call my place of employment because I could lose my job.The calls are still being made.My place XXXX employment tel. no. that I have asked them not to call is XXXX.
03/30/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 78109	Web
I have repeatedly told this company to stop calling and today XX/XX/30 they called I asked them again to stop calling me and they called back 1 minute later. They do this often even though I have demanded they stop.Firstsource is the name of the company
01/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WY 82601	Web
Debt collector attempted to collect on a proven paid debt, debt collector could not provide a professional license ID Number, debt collector asked for sensitive information that was not necessary to continue the interaction. Debt collector acted rudely.
03/19/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	CA 94605	Web
This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue.
12/04/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY 11783	Web
They call repeatably/ constantly throughout the day and NEVER leave a message nor indicate who they are answered. It has been nonstop for a few months.They call at work and on my cell phone. They have been instructed to only call at home repeatly.
10/30/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	KY 40258	Web
They call several times back to back. When I answer they do not talk they hang up and call back. Have called family saying my family member is involved in a credit issue with me and called employer looking for me but they will not talk to me
03/06/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PR 00921	Web
On XX/XX/2020 I wrote a letter to First Source indicating them that account XXXX with XXXX XXXX was due to Fraud. Even though I notify them by mail they still sending me a collection notice. Attached is the collection notice and the date.
07/27/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MD XXXXX	Web
On XX/XX/2023, I requested that First Source Advantage stop contacting me through my email, phone and text. They still continue to contact me : I have emails from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023.
12/11/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 752XX	Web
XXXX XXXX has sent me a notice to collect a debt in the amount of {$550.00}. This collection agency is not licensed for business in Texas, nor are they registered with the Texas XXXX of XXXX ; therefore can not attempt to collect a debt.
12/02/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MD 211XX	Web
I called a month and a half ago and asked to plesse stop my automatic payments. I paid half the bill but I ran our of money. I said I would call to set payments back up in the future. I looked at my account and they took money anyway.
04/19/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85719	Web
The company First Source Advantage keeps calling for a XXXX XXXX . I explained I do not know this person and requested that my number be removed. They keep calling repeatedly with over 80 calls logged in the last month.
09/09/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	PA 19087	Web
I am & have been paying for XXXX years a monthly amount to this DEBT COLLECTOR XXXX. XXXX the debt collector, FIRST SOURCE XXXXrefuse to stop reporting this debt as un collectable, regardless of my paying for XXXX years.
10/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33441	Web
In 2012, I was covered by health insurance plan with XXXX and do not owe any outstanding balance for this account. Please provide me with information pertaining to this account that proves that the bill was not settled.
09/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30228	Web
I HAVE THESE ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. THIS ISNT FAIR FOR THESE ACCOUNTS TO BE ON MY CREDIT REPORT WHEN I NEVER OPENED OR AUTHORIZED ANY OF THESE ACCOUTNS.
02/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66604	Web
Received collection letter regarding account XXXX from XXXX regarding debt not verified, debt not belonging to me, have asked creditor to cease attempts to collect debt & to remove from my credit report / credit file.
09/15/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	MD 20904	Web
Took out a loan thru the school now I found out the school has closed and I am unable to continue earning my XXXX degree. My credits will not transfer and I am stuck with the bill they did not offer me any refunds
09/01/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97301	Web
This company is contacting daily for a deceased person 's debt. They have also left messages on an open voicemail service, so I was able to learn about the debt. They are also calling other parties constantly.
04/13/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL XXXXX	Web
Firstsource Advantage LLC is calling and harassing my mother about my XXXX XXXX XXXX credit card balance of {$560.00}. This is crossing a line and I want them to stop. Do not call anyone but me about my debt.
11/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 023XX	Web
So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired.
05/18/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	KY 40211	Web
XXXX new collections just appeared on my credit file, no new medical debt that has n't been paid exist. How are these companies allowed to just take old, inaccurate non verifiable items and just report them?
12/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60616	Web
XXXX XXXX : XXXX XXXX, XXXX. Our Reference # : XXXX Creditor Account Ending In : XXXX Account Balance : {$100.00} I got this in an email today and theyre demanding I pay something I have no knowledge of.
09/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28117	Web
this acct is showing up on my credit report when it is not mine and yet it has not been removed i have faxed copies of my information police report / id theft affidavit and identification in this matter
12/03/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 902XX	Web
Received hundreds of emails from First Source Advantage and unlimited spam calls ; i have tried to block them but still getting harassing calls and emails on top of pandemic XXXX and XXXX XXXX issues.
09/01/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VT 053XX	Web
Informed me that I have a collection account with them - First Source Advantage - but would not give me any other information when I asked what the debt was and who it was from. Intimidating behavior.
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34746	Web
Incorrect information, fraudulent, unauthorized information. I did not open these accounts and would like to dispute them and have them removed from my credit. Thank you for your help in this matter!
05/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 752XX	Web
First Source Advantage has called my number attempting to collect a debt for someone other than me. They keep calling even though I am not named XXXX and have had this phone number since 2009.
03/22/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 95008	Web
Called my phone at work several times after asking not to call my work phone. Several times they keep saying they have no record of them calling and no record of me on tape saying not to call.
05/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33060	Web
I SENT A NOTICE OF DISPUTE WELL OVER 60 DAYS AGO. DEMANDING PROOF THAT I OWE THIS DEBT. I HAVE NOT HAD ANY RESPONSE FROM CREDITOR SHOWING ON OWE THIS DEBT BY MAIL OR PHONE CALL FROM CREDITOR
05/03/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33060	Web
I SENT A NOTICE OF DISPUTE WELL OVER 60 DAYS AGO. DEMANDING PROOF THAT I OWE THIS DEBT. I HAVE NOT HAD ANY RESPONSE FROM CREDITOR SHOWING ON OWE THIS DEBT BY MAIL OR PHONE CALL FROM CREDITOR
03/31/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AL 357XX	Web	Servicemember
I am being harassed by First Source Advantage LLC. for payment on a credit card that I am making with XXXX XXXX for $ XXXX/month. I have written letters showing I am making these payments
06/09/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 34476	Web
Ph # XXXX Firstsource collection Co. continues to call my place of employment and disrespecting the staff and discussing my personal information about my account to other employees.
10/01/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VT 053XX	Web
They keep calling. I have stopped answering due to the rudeness and threatening tone they use. Refuse to give me any information pertaining to exactly what the debt is and who from.
01/06/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 145XX	Web
Continuous calls for a debt for someone not in household. Told no one here by that name and calls continue. Claim to be First Source Advantage. XXXX was the caller this time.
04/20/2020	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77045	Web
Company tries to collect claiming they are from XXXX XXXX but in reality they are a 3rd party collection company. Its a misrepresentation and an unfair debt collection tactic.
12/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WV 267XX	Web
I received a statement state {$200.00} was due m needed to be paid to one advantage. This is not my debt n I want you to send me the name and address of the original creditor
04/22/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11372	Web
This company called First Source Advanced has called my home. I do not know who what is their business purpose. I have never had a business relationship with this company.
07/07/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 92373	Web
The company that keeps calling me before XXXX is called XXXX ( XXXX ) XXXX I have asked them many times to stop calling me and now they have a robot calling me every week
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.
02/04/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32817	Web
This agency called my brother and sister multiple times instead of me in order to try and get in touch with me. They should have already had my contact information.
02/22/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97006	Web
In XXXX alone this year, they have tried calling me 8 times despite me having the number blocked and have called me at least 5 times per month since XXXX of 2022.
07/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66604	Web
Received written letter from XXXX regarding debt which is not mine, no verification of debt has been produced giving account details or pertinent info.
08/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS XXXXX	Web
Received collections letter from one advantage regarding alleged medical debt, asked for verification / substantiation of debt, nothing was produced.
02/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	IN 471XX	Web
I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company.
11/05/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CO 80104	Web	Servicemember
They were told to stop calling me, they use number of my state that is spoofed. It shows as spam risk and I told them I will pay when can afford it
06/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30021	Web
There was a settlement agreement with previous debt collector. Need to have debt expunged from my credit file and derogatory account removed.
12/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 31021	Web
An account is on my credit report that I do n't know what it is it 's hurting my credit and they do n't have proof that this account is mine
02/10/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33069	Web
All of my personal information has been stolen from me, every time I dispute the collection agency places it back onto my credit report.
04/30/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92505	Web
Medical bills from XXXX that 's not mine. I 've had XXXX insurance since 2011 so I would n't have a reason to go to this hospital
12/10/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	WA 98072	Web
First source advantage keeps calling me at work eventhough I have told him not to. They call me on my cell multiple times a day.
03/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23111	Web
Im waiting for my insurance to get back with me due to they did not pay any of my medical bills when I was on short term leave.
09/02/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 290XX	Web
Called for someone never heard of, then threatened to hit my credit if i did n't help are pay them for someone else 's account!
11/18/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92505	Web
I sent the creditor a letter requesting the debt be verified on XXXX XXXX, 2015. I have not received any such documentation.
10/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77072	Web
cra violation debt collection sending paperwork that are not mine hippa violation i sent all bureaus the police report
03/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
Opened : XX/XX/2016 ( 1 yr, 3 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX I just have no idea of this account.
01/19/2017	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	WI 54914	Web
My understanding is that medical bills can not affect my credit score. This is a medical bill from my XXXX XXXX XXXX
10/05/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85206	Web	Older American, Servicemember
collection agency is not licensed in the State of AZ did not know that XXXX XXXX had sent to collection no notices
05/01/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NJ 075XX	Web
This collector is contacting my job and I am absolutely prohibited from receiving such calls at my workplace.
04/29/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NJ 075XX	Web
I have no affiliation with the number that is being contacted and I want them to stop using this number.
12/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 331XX	Web
This is not my debt. ref XXXX Attached you will find details of the payment, made by XXXX, at the time.
09/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 74014	Web
Keep sending me statements, and I have requested debt ( s ) validation, but to date, nothing received.
05/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PR 00921	Web
The below debt is a result of ID Theft and has been reported as such : 1. Firstsource Advantage XXXX
03/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89113	Web
XX/XX/2017, {$33000.00}, XXXX XXXX sold the debt to XXXX. Giving my personal information away.
07/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
Notice a change in my credit report from a company trying to collect a debt that is not mines.
08/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45805	Web
XXXX XXXX False Reporting. Debt has been charged off and agency is making derogatory remarks.
05/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33134	Web
I was with COVID and the Pandemic make me lose my job and I need to dispute this charges
09/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29720	Web
I received letter from Firstsource Advantage dated XX/XX/2022 saying I owe {$5300.00}
11/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90805	Web
Owed a certain amount was asked to pay a percentage to clear my debt and I did so.
03/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33177	Web
FirstSource is harassing me by phone and by mail with a debt that is not mine.
04/06/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30328	Web
ONE ADVANTAGE, LLC HAS VIOLATED MY RIGHTS AS A CONSUMER. SEE ATTACHMENTS.
09/16/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MN 55033	Web
Firstsource Advantage LLC called my workplace and contacted a coworker.
01/30/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NC 27405	Web
I have a collection showing up on my credit report that never happened
09/29/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	NY 10065	Web
they keep on calling and calling. They also call my employer.
08/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC XXXXX	Web	Servicemember
I did not authorize this. I have no knowledge of this debt
11/16/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	PA 164XX	Web
First Source Adv. is contacting family members about debt.
12/14/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
I Had Insurance With My Job During This Time
01/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40241	Web	Servicemember
This debt is not mines
01/23/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60104	Web

01/21/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 77449	Web

01/21/2024	Yes	Debt collection Other debt	Electronic communications Frequent or repeated messages	TX 77007	Web

01/12/2024	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30047	Web

01/04/2024	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 33261	Web

12/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19121	Web

12/12/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WA 98125	Web

12/09/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32824	Web

12/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21214	Web

12/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 19121	Web

12/02/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 76002	Web

11/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85138	Web

11/27/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	XXXXX	Web

11/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 19121	Web

11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92630	Web

11/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80022	Web

11/14/2023	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	TX 76028	Web

11/14/2023	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	IN 46403	Web

11/09/2023	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	PA 15202	Web

11/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27262	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36695	Web

10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 62901	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 75067	Web

10/25/2023	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	FL 33055	Web

10/25/2023	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	FL 33055	Web

10/25/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33055	Web

10/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29687	Web

10/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	RI 02904	Web

10/03/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48328	Web

10/02/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70582	Web

09/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48328	Web

09/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33176	Web

09/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19124	Web

09/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	WI 54401	Web

08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85248	Web

08/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70461	Web

08/10/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32792	Web

08/03/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 32818	Web

07/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 28273	Web

07/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19102	Web

07/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 62014	Web

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85138	Web

07/02/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19140	Web

06/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33436	Web

06/22/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33126	Web

06/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32256	Web

06/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48224	Web

06/07/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 78132	Web	Servicemember

06/06/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	DE 19805	Phone

05/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32763	Web	Servicemember

04/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27262	Web

04/28/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 14174	Web

04/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33409	Web

04/14/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 76548	Web

03/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30238	Web

03/06/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA 02124	Web

02/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20784	Web

01/30/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 39335	Web

01/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 44221	Web

01/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 96021	Web

01/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38115	Web

01/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19107	Web

01/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web

12/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77040	Web

12/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 62901	Web

12/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34114	Web

12/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95812	Web

12/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11226	Web	Older American

12/07/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WV 25427	Web

11/07/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 92584	Phone

11/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33009	Phone

10/19/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	ID 83404	Web

08/31/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 36617	Phone

08/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 296XX	Web

08/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 62034	Web

08/20/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 95825	Web

08/19/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30680	Web

07/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76018	Web	Servicemember

07/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32175	Web

07/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30038	Web

06/05/2022	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	IN 46516	Web

06/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90027	Web

06/01/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33009	Phone

05/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97404	Web

05/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 39355	Web	Older American

05/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	VA 22657	Web

05/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 46554	Web

05/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	ND 58558	Web	Servicemember

05/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	PA 15931	Phone	Older American, Servicemember

05/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 07601	Web	Older American

03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70113	Web

03/23/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30518	Web

03/20/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 22191	Web

03/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70582	Web

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70113	Web

03/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 62226	Web

02/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30349	Web

01/30/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 33534	Web

01/15/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 11226	Web

01/06/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30317	Web

12/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23222	Web

12/11/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62226	Web

11/05/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 32351	Web

10/31/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60004	Web

10/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 91335	Web

10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AZ 85374	Web

10/27/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 75056	Web

10/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85936	Referral

09/30/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	PA 18403	Web

09/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30032	Web

09/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 37127	Web

09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30350	Web

09/08/2021	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	FL 32351	Web

07/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92530	Web

07/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30316	Web

07/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

07/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 31605	Web	Servicemember

06/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94612	Web

06/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34235	Web

06/01/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MO 63031	Web

05/26/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80439	Web

05/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75370	Postal mail

05/20/2021	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	CA 92841	Web

05/12/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30274	Web

05/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75001	Web

05/09/2021	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	NY 10036	Web

04/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33162	Web

04/16/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 105XX	Web

04/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07208	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76040	Web

03/31/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	SC 29369	Web

03/28/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 11413	Web

03/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KY 40229	Web

03/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30346	Web

03/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

03/18/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 34753	Web

03/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92656	Fax

03/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30318	Web

02/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

02/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63109	Web

02/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30096	Web

02/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30066	Web	Servicemember

02/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98055	Web

01/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

01/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31005	Web

01/02/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28031	Web

12/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 63121	Web

11/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30277	Web

10/28/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IN 46617	Phone

10/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48234	Referral

09/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 46613	Web

09/03/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76082	Web	Older American

08/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33193	Web

08/19/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MA 01260	Phone

08/16/2020	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 Was not notified of investigation status or results	CA 95205	Web

08/11/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 27205	Web

08/02/2020	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	FL 32094	Web	Servicemember

06/30/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90302	Web

06/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 19320	Postal mail

06/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10001	Web

06/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63033	Web

06/11/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 91775	Phone

06/03/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NJ 07105	Web

05/27/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MD 20747	Web

04/25/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 23075	Web

04/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NJ 08844	Web

03/19/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MO 63043	Web

03/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90266	Postal mail

03/01/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 43228	Web

02/07/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33598	Phone	Older American, Servicemember

01/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 70815	Web

01/17/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 28031	Web

01/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11516	Web

01/13/2020	Yes	Credit card or prepaid card Store credit card	Fees or interest Problem with fees	MD 21227	Phone	Older American

12/20/2019	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	MO 63401	Web

12/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 42740	Web

12/03/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid		Phone

11/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 79407	Web

11/27/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	PA 15228	Web

11/23/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	WI 54428	Web

09/23/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	TX 78374	Web	Servicemember

08/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48198	Postal mail

08/26/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 07024	Web

08/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89119	Postal mail

08/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85747	Web

08/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85747	Web

07/29/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MA 02777	Postal mail

06/27/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 07082	Referral

06/21/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 43230	Web

06/17/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92532	Web	Servicemember

06/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 46545	Web	Older American

06/03/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93401	Referral

05/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33175	Postal mail

03/31/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WA 98043	Web

03/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Fax

03/19/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 32218	Web

03/14/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 20854	Web

03/08/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07039	Postal mail

02/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ID 83843	Web	Servicemember

02/11/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30094	Web

02/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10453	Referral

01/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 92307	Web

01/28/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 47150	Web

01/23/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32218	Web

12/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94565	Referral

11/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07450	Web

10/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 64055	Referral

10/08/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92376	Web	Servicemember

10/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27519	Postal mail

09/17/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 70072	Web

08/13/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	VA 24018	Web

08/01/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 93036	Web

07/27/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours		Phone

07/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33705	Web

07/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CO 80002	Web	Servicemember

07/06/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	ME 04042	Web

06/12/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33705	Web

06/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63108	Web

06/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46628	Web

05/30/2018	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33908	Web

05/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63129	Web

05/14/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 77082	Web

05/07/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48221	Web

05/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07660	Web	Servicemember

04/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 97739	Web	Servicemember

04/18/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33411	Referral

04/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76001	Web

04/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63010	Web

04/05/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC XXXXX	Web

04/04/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WA 98208	Postal mail

04/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20746	Web

03/30/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 08844	Web

03/29/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 71052	Web

02/26/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 94568	Web

02/14/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94806	Web

02/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30034	Referral

01/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66604	Web

01/09/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 10607	Web

12/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60619	Postal mail

12/27/2017	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 Was not notified of investigation status or results	NC 28273	Web

12/26/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MA 02461	Web

12/11/2017	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	UT 84121	Referral

12/01/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CO 80823	Phone

11/25/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MT 59101	Web

11/06/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt		Phone

10/23/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70118	Postal mail

10/12/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 91308	Postal mail

10/06/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30512	Web

09/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94806	Web

09/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91311	Postal mail

08/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Referral

07/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90014	Referral

07/18/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94103	Web

06/22/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	HI 96748	Postal mail

06/21/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Postal mail

06/20/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85338	Web	Servicemember

06/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 38965	Postal mail

06/20/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 40258	Postal mail

06/08/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33068	Postal mail

06/07/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NE 68132	Web

05/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63104	Web

05/04/2017	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	NY 11718	Phone

05/03/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34606	Web	Servicemember

04/27/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 14228	Postal mail

04/17/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10036	Postal mail

04/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07011	Postal mail

04/11/2017	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NY 12590	Postal mail

03/29/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 32810	Web

03/24/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MO 63385	Web

03/23/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 45426	Fax

03/23/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 95207	Web	Servicemember

03/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 44004	Postal mail

03/21/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	PA 19103	Web

03/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	NY 11219	Referral

03/16/2017	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	NY 14301	Web

03/15/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60624	Web

03/06/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IN 46614	Web

03/05/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MO 63621	Web

03/01/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 22207	Web

02/07/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	FL 32224	Web

01/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20850	Referral

12/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	CA 92507	Web

12/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 32708	Web

12/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32805	Web

12/06/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MO 65534	Phone

11/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 10166	Fax

11/16/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NC 27417	Web

11/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11209	Postal mail

11/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WI 54703	Web

11/01/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33143	Phone

09/20/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	KY 40160	Postal mail	Older American

09/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33319	Postal mail

09/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AR 72023	Web

08/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33065	Web

08/17/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	CA 94103	Web

08/15/2016	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	NY 10314	Web	Servicemember

08/10/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	AR 71630	Postal mail	Older American

08/09/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33076	Postal mail

07/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33351	Web

07/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11418	Web

07/05/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NJ 08505	Web

06/28/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 60409	Web

06/25/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33441	Web

06/23/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	CA 92706	Web

06/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	IL 60419	Referral

06/14/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94014	Web

06/06/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	AZ 85257	Referral

06/03/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	AZ 85257	Referral

05/25/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NJ 07874	Referral

05/06/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	WA 98597	Referral

05/05/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32174	Referral

04/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	KY 40258	Web

04/25/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	TN 38128	Phone

04/22/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NJ 08534	Web

04/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 93535	Web	Older American

04/08/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 90277	Web

04/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92277	Phone

04/07/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	TX 76548	Web

03/21/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	MI 48240	Web	Servicemember

02/29/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	OH 44060	Web

02/25/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NJ 08003	Web

02/25/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IN 46062	Phone	Older American, Servicemember

02/24/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	AZ 85704	Web

02/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MO 63033	Web

02/03/2016	Yes	Credit card	Other	SC 29574	Postal mail

02/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75248	Web

01/27/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	OH 43081	Web

01/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 19335	Web

12/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	MO 63376	Web

12/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	OR 97301	Referral

12/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 09624	Referral

12/15/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	OH 43211	Web

12/12/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	NV 89120	Web

12/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MI 78237	Referral

12/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77707	Referral

12/01/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 33070	Web

11/23/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92505	Web

11/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95758	Web	Servicemember

11/04/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 76140	Phone

10/29/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 33417	Referral

10/23/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33067	Web

10/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33068	Web

10/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33068	Web

10/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92129	Referral	Older American

10/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33025	Phone

10/04/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	WA 98270	Web

09/15/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OR 97451	Phone

09/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30066	Web

08/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 63303	Phone	Servicemember

08/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 63033	Web

08/14/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	WA 98178	Web

08/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33076	Postal mail

08/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30066	Web

08/05/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 75071	Web

07/23/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	UT 84043	Web

07/06/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 86413	Web

07/01/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33064	Web

06/30/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 76131	Web

06/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 11229	Web

06/26/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MA 02093	Phone

06/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 44057	Web

06/17/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	ME 04351	Web

06/05/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	AZ 85704	Web

06/05/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	CA 90802	Web

06/03/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MD 21136	Referral

05/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33064	Phone

05/22/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33304	Web

05/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10463	Web	Older American

05/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 64128	Phone	Servicemember

05/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 62269	Web	Servicemember

05/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OR 97267	Web

04/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89074	Web

04/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33065	Web

04/10/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 92835	Phone

04/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20746	Web

04/06/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MD 20874	Postal mail

04/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32955	Web

03/28/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	PA 18052	Web

03/19/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	DC 20018	Web

02/24/2015	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	OH 45066	Web

02/19/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 16803	Web

02/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	ME 04901	Web

02/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93722	Web

01/24/2015	Yes	Debt collection Credit card	Communication tactics Called outside of 8am-9pm	CA 92882	Web

01/20/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 21044	Web

01/15/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	VA 22201	Web

12/30/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 62208	Web

12/24/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	OH 43528	Web

12/11/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OH 45238	Web

12/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33578	Web

12/07/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt was paid	VA 22191	Web	Servicemember

11/28/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	TX 78589	Web

11/25/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33063	Web

11/21/2014	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	OR 97225	Web

11/20/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	TX 78589	Web

11/07/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	KY 40205	Web

11/06/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	PA 15044	Web

11/04/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	ID 83672	Web	Servicemember

11/03/2014	Yes	Credit card	Identity theft / Fraud / Embezzlement	GA 30338	Web	Older American

10/31/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	DE 19702	Web

10/28/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	FL 32141	Web

10/27/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 90242	Web

10/21/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 62702	Web

10/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 31904	Web	Servicemember

10/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 46360	Web

10/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43229	Web

10/06/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 45238	Web	Servicemember

09/25/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	AL 35010	Phone

09/25/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	GA 30281	Phone	Older American, Servicemember

09/25/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NJ 07093	Referral

09/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 17225	Web

09/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 33181	Web

09/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78749	Web

09/04/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 30101	Web

09/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IN 47130	Web

08/28/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 79912	Web	Older American, Servicemember

08/28/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	OH 43160	Web	Servicemember

08/26/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33067	Web

08/24/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MA 01832	Web	Servicemember

08/18/2014	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Threatened to sue on too old debt	FL 32814	Web

08/15/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	CA 95492	Web

08/10/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33060	Web

08/02/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	FL 33073	Web	Servicemember

08/01/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07302	Web

08/01/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 62223	Referral

08/01/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 21113	Web

07/29/2014	Yes	Credit card	Other	MA 02072	Web

07/24/2014	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33411	Web

07/24/2014	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	FL 33411	Web

07/22/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	SC 29642	Web

07/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55345	Web

07/15/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	FL 32413	Web	Older American

07/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10308	Web

06/30/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 90230	Web

06/26/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	MI 48160	Web

06/23/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	TX 76148	Web

06/19/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 33461	Web

06/18/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	TX 78729	Web

06/18/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76067	Web

06/17/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 90250	Postal mail

05/30/2014	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	NY 10550	Referral

05/30/2014	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	IL 60445	Web

05/22/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30126	Web

05/21/2014	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	MI 48166	Web

05/17/2014	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	CA 91364	Web

05/06/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	CO 80204	Web

04/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22152	Referral

04/25/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 20580	Referral

04/24/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	MN 55122	Web

04/23/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MI 48071	Web

04/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27560	Web

04/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22152	Web

03/27/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10452	Referral

03/22/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	NC 27406	Web

03/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10018	Referral

03/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 63044	Web

03/06/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32780	Web

02/28/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 78745	Web

02/25/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NV 89031	Web

02/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NV 89074	Postal mail

02/17/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78043	Web

02/12/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TN 37167	Web

02/12/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80017	Web

01/22/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TN 37122	Web

01/22/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	DC 20004	Web

01/22/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	DC 20004	Web

01/17/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	TX 75067	Web	Servicemember

12/04/2013	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IN 46360	Web

11/30/2013	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IN 46360	Web

11/30/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	CO 80102	Web

11/29/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98093	Postal mail

11/26/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95038	Web

11/05/2013	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NJ 08884	Web

11/04/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75149	Postal mail

11/02/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 21804	Web

10/31/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 11233	Referral

10/25/2013	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 90041	Web

10/21/2013	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	GA 30315	Web

10/19/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33071	Web

10/16/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NM 87701	Postal mail

10/10/2013	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	TX 75052	Web

10/08/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85050	Referral

10/01/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 62703	Referral

09/30/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IA 60099	Phone	Older American, Servicemember

09/19/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	NY 11220	Referral

09/04/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 90036	Postal mail

08/15/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 92656	Postal mail

07/26/2013	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NV 89052	Postal mail

07/19/2013	No	Debt collection Credit card	Communication tactics Frequent or repeated calls	NJ 08021	Referral

07/17/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	UT 84081	Phone

07/10/2013	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NV 89015	Phone

07/03/2013	No	Credit reporting	Improper use of my credit report Report improperly shared by CRC	MN 55024	Postal mail