Focus Holding Company CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85283	Web	Servicemember
I have complained about this situation before and it is still not resolved or accurate. XX/XX/XXXX XXXX XXXX sent me to collections for a {$50.00} internet bill and {$100.00} for equipment that was not returned for a final bill with them. There was no way of me knowing about this because I moved from my former address on XX/XX/XXXX. I paid every bill that was due with XXXX on time all the time up until this final bill. I never received a bill or a statement a phone call or anything claiming I owed them any money because I didn't move into my current address until XX/XX/XXXX. By XX/XX/XXXX XXXX had sent me to collections already for a bill that I had no knowledge of due to the fact that they listed the wrong name on the account XXXX XXXX and my name is XXXX XXXX so that is inaccurate information. I disputed this back in XX/XX/XXXX and it was removed from all three credit bureaus immediately. I thought that was the end of it but to my surprise XX/XX/XXXX they sent me back to collections with XXXX XXXX XXXX for the same {$150.00} and once again I disputed it. This time it was only removed from XXXX so I wrote a complaint against the collection agency from there they send me a copy of the original bill from XXXX Debt Validation letter and told me that I could handle this matter with XXXX XXXX from this moment on. I then get in contact with XXXX on XXXX XXXX I pay the {$150.00} that was owed and the customer representative acknowledges that is was a mistake on their end for sending me to collections in the first place because they had the wrong name XXXX XXXX listed on the account so therefore she agreed that the account was closed as paid in full and would be removed permanently from my credit report. XXXX XXXX keeps recorded phone conversations for quality assurance purposes so recording should be available between me and the representative for proof. On XXXX XXXX The account was removed from XXXX and XXXX and I thought it was finally over with. To my surprise again on XX/XX/XXXX it was showing back on XXXX and XXXX as an collection stating that I had never paid the balance of {$150.00} and XXXX XXXX XXXX was the collection agency handling the account again. I call XXXX XXXX and XXXX XXXX XXXX immediately on XXXX XXXX and the representatives for both companies where rude, uncooperative, and gave me no helpful information at all. I keep calling these companies for the next few weeks to get an answer until a representative finally informs me that now instead of the account being removed from my credit report like I was told, the collection agency XXXX XXXX XXXX changed the status to paid in full and in doing so it is showing on my credit report as a negative collection/charge off. This is completely wrong and inaccurate information. I did not pay the collection agency I paid the original creditor XXXX XXXX. XXXX Agencies charge extra for the debt in order for them to get paid. I know this information so why after I paid XXXX was XXXX XXXX even involved with account anymore. I would never had agreed to pay this bill if I knew it was gon na stay a collection and negative on my credit report. I should've never been sent to collections in the first place. I agreed to pay this bill with the original creditor XXXX XXXX for the original amount of {$150.00} and for it to be removed from my credit report. This is absolutely ridiculous that I have gone through all this for {$150.00}. I have lost the chance of purchasing a home and other credit goals I was hoping to accomplish because of this. This violates FRCA requirements because it is inaccurate information
06/11/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 77345	Web
On XX/XX/XXXX we signed up to receive service from XXXX, XXXX We opted for the upgraded package that included, smoke detectors, automatic door locks, pan and tilt video camera. Sounded like all the bells and whistles. We were told that if we needed to cancel the contract after 30 days, there would be a {$150.00} cancellation fee. Sounded okay. We have had nothing but problems and complaints since. The day they were supposed to install the system, we were told it would take no more than 2 hours. The technician worked well over 10+ hours, but could n't get it installed. The next day, another technician came out and worked most of the next day. At the end of this day, we were told that the system was not compatible with our house, wiring, etc. We would have to be downgraded in our " package. '' We were still having issues, as the system was never installed correctly. Apparently, the automatic door lock was not compatible, either. After numerous calls, promising to come and take the door lock system off, to this day, I still have it on my door. We continued to have a " low battery '' signal that constantly went off. Again, after numerous calls, my wife was told to go into the attic and they would have her to help diagnose the problem. We had no intention of going in to the attic and touch anything! If we messed up anything, it would then by on us, and we did not want any other issues coming from XXXX. After about 8 months of dealing with the low battery signal and half the system not operable, I had enough. I contacted XXXX to cancel the contract. I was told that they could not cancel the contract over the phone. In order to cancel the contract, we would have to send a letter in writing stating that we wanted to cancel the contract. Again, we were told that there would be a {$150.00} cancelation fee. We said, okay, even though they owed us money! When we were downgraded to the lower package that still did not work right, we were supposed to get a refund for the overpayments that they continued to bill us for. We made so many calls trying to clear this issue up at the time as well. We would tell every person who answered that we were still being billed incorrectly for the service. The overbilled us for months! They chose not to change it and continued to bill us for the first package. So, they actually to this day owe us money. However, we said we would pay the {$150.00} fee to get out of the contract. I sent the letter in writing on XX/XX/XXXX, indicating that we were cancelling the contract. We have paid for a non-working service for the better part of a year. On the XX/XX/XXXX letter, we notified XXXX that we would be putting a stop payment on the account. We did not receive any bills for a few months/couple of months, do not have an accurate date ( XXXX ). We thought that we were done with XXXX. Then we start getting bills AGAIN! We started making phone calls again. We asked to speak to someone in higher level management, but was never able to do so. They send you to their Customer Loyalty Department, who can not do anything to help you nor are they willing to send you to some who can. On our last conversation we told them that we were not going to pay the remainder of the balance. We did offer to pay again the {$150.00} we were told we could pay to cancel the contract. The letter on XXXX the XXXX, also stated that we were no intended to pay. We were never contacted. We have now been turned over to a collection agency, asking for {$1800.00}. Now I have to deal with the collection agency and possible credit issues!
04/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23188	Web	Servicemember
I agreed to a one year bundle package with XXXX XXXX with a specific guarantee of quality of service. Specifically, I required a specific upload/download speed for my broadband connection in order to connect to a government XXXX connection in order to telework. At no time did I speak with a XXXX person until the technician arrived to install the equipment. The broadband connection routinely fell below the required speed to keep the XXXX connection which jeopardized my ability to telework. XXXX attempted to correct the issue, but all efforts failed. Consequently, I changed the provider of my bundled services. I contacted XXXX and advised them I was cancelling my service due to the above issues. I was informed I would pay an early cancellation penalty since I did not keep the service for the two year period. I informed the Customer Service representative I did not commit to a two year agreement and this was the first I was hearing from them. I did not receive any correspondence from XXXX at the time I agreed to the service with the XXXX representative. I received monthly bills from XXXX. I contacted XXXX several times after I cancelled my service to get an explanation to the charges. I returned the equipment in the prepaid postage container, but was not credited for the equipment. The remainder of the balance was said to be " unpaid charges to XXXX ''. I asked twice for an explanation and received the same explanation. I was then contacted by a debt collector, XXXX XXXX XXXX , XXXX . I explained the situation to them ; however, they persisted with repeated telephone calls and correspondence. I responded to The XXXX XXXX with a letter providing the details and copies of billing statements from XXXX and XXXX. The XXXX billing statement showed no balance due. I received a response from XXXX XXXX along with a letter from XXXX. The letter from XXXX stated the XXXX and XXXX statements were integrated and XXXX and XXXX removed the XXXX billing option ( which occurred shortly after XXXX XXXX XXXX acquired XXXX ). The letter when on to state, " The account balance includes XXXX charges which were unpaid by XXXX. '' I sent a subsequent letter to XXXX XXXX stating the collection of unpaid charges in between XXXX and XXXX. I requested XXXX XXXX stop all communication with me and with my address, and record that I dispute having any obligation for this debt. I informed XXXX XXXX that if they stop collection of the debt, and forward or return it to another company, to please indicate to them that the debt is disputed. Additionally, I asked if the debt is reported to a credit bureau, or already has been reported, also report that the debt is disputed. I did n't hear back from XXXX XXXX. About six weeks ago I received a telephone call from Focus Receivables Management. I returned the call and asked what this was in reference to. The agent stated she need personal information from me before I she could tell me what this was about. I refused to provide them with personal information and asked them to forward written correspondence. I continue to receive daily phone calls with voice mail messages. One of which was very personal in nature ( I have a copy of voice mail ). This past week I received written correspondence from Focus Receivables indicating the debt was with XXXX. In addition to phone calls to my residence, I now receive phone calls to my cell phone. When you answer the call, no one is there, the phone clicks, and you hear dial tone.
08/07/2017	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	FL 33613	Web	Servicemember
Focus Receivables LLC ACCT : # XXXX XXXX Acct : XXXX I am writing to dispute status on my XXXX Credit Report. I have placed several disputes with XXXX, and the CFPB and nothing has been update. The Account Status is incorrect, it should be listed as paid in full/ closed. The account history is incorrect. The payment {$1500.00} made on XX/XX/XXXX should have been marked as paid or ok on XX/XX/XXXX, and CLS closed on XX/XX/XXXX not XX/XX/XXXX, and thereafter should be marked NR No Data not CO -collwction. The Historical payment history does not reflect payment made on XX/XX/XXXX and still shows outstanding balance of {$1500.00}. So exactly what did you investigate before closing my dispute file # XXXX? Also on that dispute you were asked which is required by law to accurately and completely fill out your report by adding the payment amount and date close, which still hasnt been done. This to me constitutes fraud, and extortion and is in violation of Pub. L. No. 108-159, 117 Stat. 1952, codified to 15 U.S.C. 1681-1681x. Credit ReportFiles are to be accurate, and complete since information contained on this Trade Mark havent been either, you have legally harmed me under law. Statement that Im seeking remedy under law is to be added to comments immediately. Previous complaint from the CFPB you chose to add theremark on one or two of the six Trade Marks reported why? I spoke to XXXX XXXX at Focus Receivables on XX/XX/XXXX XXXX XXXX Sending out letter to me and XXXX and XXXX again first letter sent XX/XX/XXXX requesting above change. They also told me that they send you the same billing statement to make necessary changes, that I received in the mail and you are responsible for the accuracy and completeness of the report, not them. Since you already received complete and accurate documentation ( that you replied back to me stating you refuse to use information I provided, I assume this matter will be resolved immediately. I am not waiting another 30 days. You are in violation of my consumer right under FCRA and FACT Act. I want a copy of the dispute procedure mailed to me and sent to Florida State Attorneys Office listed above. I am requesting my free copy of the full report since I cant get it online and the online link when available is only for a short period of time, only and doesnt allow me to download and save the document. Do n't state in FCRA provide copy of legal statute, section and sub-section that verbatim proves youare in compliance with regulation/ statue and not your opinion of the meaning to me, the CFPB and the Florida State Attorney General Office listed in the attachment. I am asking The Florida XXXX XXXX office to investigate and prosecute on my behalf, since youhavent deliberately complied with my disputes or complaints with the CFPB : for the {$1000.00} remedy and removal of this Trade Mark due to in action of 2,5 years which has harmed me under law.
10/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20878	Web
I ordered a XXXX service in XXXX of 2016. On XXXX XXXX, 2016 my husband 's card was charged {$440.00} for XXXX year of XXXX service. By the end of XXXX and into the first week in XXXX, XXXX failed to provide service to me. I called and called multiple times, created an online profile, requested service, called the branch and attempted to get a straight answer or time for when service was to be rendered at my home. I would get calls from " technicians '' that they ca n't make it, they are late, they will come in another 2 hours etc., but to no avail. They never showed up. Finally, I called the branch and cancelled my service, per their satisfaction guarantee. The associate told me the service was cancelled and they will refund me the amount they owed me of {$440.00} because they failed to service my home as promised. I never received the credit. Accordingly, my husband disputed the charge with his credit card company, who after 60 days of dispute resolution with XXXX, received the credit from XXXX and credited my account with the total on XXXX XXXX, 2016. I have no heard of this issue since XXXX XXXX. Today, on XXXX XXXX, 2016, I received mail from a COLLECTIONS AGENCY : Focus Receivables Management , LLC, which states that they are going to report to my credit reporting agencies that I owe {$240.00}. I have no idea where they got this number from or why they would not have sent me a bill. I have received NO correspondence from XXXX, no bills in the mail, nothing via email, nor via my online portal. They gave me NO NOTICE whatsoever of this " outstanding '' amount owed. All of a sudden, I received this letter of collections as reported by XXXX. It is incredible to me, that a company which neither provided the service as promised, nor could resolve the lack of service issue, nor could cancel my account properly, nor refunded me the money, has the audacity to at this point send my information to a credit reporting agency and collections agency, without providing me any advance notice, and by trying to bill me a doctored amount of {$240.00}. I have called XXXX and they are now sitting on their hands. They have no apparent urgency in trying to resolve this matter, despite the fact that in 30 days the collections agency is going to report on the status of this account. I am appalled at the lack of customer service, the cheating and manipulative tactics of this company and the lack of apology or ability to quickly resolve this matter! Furthermore, this was charged on my husband 's card, and yet they submitted my name for collections. It is clear to me now how XXXX has remained in business, and that is by unduly influencing people into buying their service, failing to render service, and then reporting them for false debt to collections agency, all the while failing to resolve the matter.
09/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43235	Web
Hello, I am hoping to resolve an outstanding collection pertaining to an equipment charge for which XXXX XXXX billed me in error. XXXX XXXX acknowledged the oversight in the amount of {$140.00} and adjusted it. By that time however it had been turned over for collection to XXXX XXXX XXXX XXXX XXXX ( Ref # XXXX ). Having made no attempt to verify the status of the debt with XXXX, XXXX is insisting that the debt is valid after I made them aware of the oversight. Having obtained no help from XXXX, I filed a debt dispute with XXXX Apparently XXXX directed their inquiry to XXXX rather than XXXX, the original debt holder. Consequently XXXX is saying the debt is valid based on the outdated information supplied by XXXX. In order to resolve this matter, XXXX XXXX the original creditor needs to be contacted as the matter was resolved directly through them, but neither XXXX nor XXXX will apparently do so. Particulars : XX/XX/XXXX XXXX turned over a debt in the amount of {$140.00} that had been incorrectly billed to my XXXX account XXXX for equipment that had actually been returned but got lost on their end. XX/XX/XXXX XXXX adjusted the balance of account XXXX to XXXX and advised that the collection agency would be contacted. I continued to get calls from XXXX and contacted XXXX once more who again verified that the matter was resolved and told me to ignore the collection agency but if they persisted provide them with reference number XXXX. XX/XX/XXXX through today. I contacted XXXX to advise them of the resolution and provided them with the reference number provided by XXXX concerning the resolution. When XXXX failed to investigate and resolve the matter I contacted XXXX and requested their assistance ( File Number XXXX ). XXXX 's response to my request to investigate was to contact the current account holder listed as XXXX XXXX XXXX and declare the debt valid. After the first time they did this I contacted XXXX and asked that they contact XXXX the original debt holder who can confirm the debt as satisfied. For the second time they contacted XXXX XXXX XXXX formerly known as XXXX XXXX XXXX XXXXthe current debt holder rather than XXXX and have again declared the collection valid. XXXX has and continues to show the adjustment of the {$140.00} however neither the XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX XXXX nor XXXX appear to be willing to verify the matter as closed and my credit score is continuing to be adversely impacted. I am requesting the assistance of an objective 3rd party to act as a liaison to cross reference the information with XXXX. Only then will it be possible to confirm the debt as closed so that the misinformation now showing on my credit report may be removed. Thank you.
03/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92130	Web	Older American
XXXX has now called me twice to " collect a debt ''. Each time I missed the initial call. The first time, I returned call, identified myself, and asked who the debt was incurred with. They indentified a vendor. When I said I had never done business with the vendor ( no company I recognized ), they said " sorry, we 'll remove you ''. Today, several month later, they called again. They left a message with a reference number. I returned the call. After a XXXX5 minute wait, I was connected to a " XXXX ''. I had to give her the reference number twice. She then asked my name to which I replied " you called me, so you must know my name ''. She said she would have to transfer me to " the department that takes care of that ''. After a brief wait, the call was picked up by a man whose muttered his name. I started giving him the reference number, he cut me off and put me on hold, then returned, apologized saying he " was finishing up with a lady on another call '' ( begging question of why he took my call ) and asked for me to " repeat the reference number ''. Again, I refused to give my name telling him he must know it from the reference number. He said " for privacy '' he needed to know my name. He tried several times to get my name, I refused telling him I had no uncollected debts ( note : I do n't even have any past due amounts ). He then asked for my phone number so that he " could take it off 'the list ' '' begging the question of how would he know that I did n't owe money other than my word? Thus, either he was being dishonest in saying that by simply giving my number he would remove it from the calling list ( note : seems strange they would not have a caller ID on incoming calls and my cell phone number 's ID is not blocked ) or that, more likely in my view, he intended to cross reference the number to get my name. Either way, it appears that the " reference number '' is bogus. Obviously he could have asked " am I speaking to [ my name ] and then asked me to provide address and phone number to verify my ID. I suspect Focus is employing intimidating tactics ( that might skirt the limits of the law ) or, worse, is engaging in outright fraud.
04/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MN 553XX	Web
In XX/XX/XXXX i moved to a new residence that offered Cable tv but not XXXX ( satellite ) I had been loyal and always current with my payments to XXXX for over 10 years prior to moving. I called to cancel my service with them in XX/XX/XXXX at which point i was asked by the service rep to consider staying with XXXX which i declined since my new place offered Cable services instead. He then asked to put my account in suspension that way i could always return to XXXX if i chose to at a later date and again i declined. At this point my only responsibility was to pay off my balance and return any and all equipment which i promptly did. Fast forward to XX/XX/XXXX i notice a derogatory mark on my credit report dropping my score by 23 points. My account had been put into collections with XXXX XXXX XXXX by XXXX. Needless to say i was confused and angry. I lodged a dispute with XXXX credit bureau and called XXXX to find out what was going on. Apparently the XXXX rep chose to put my account on suspension and as a result i was being billed {$160.00} six months after i moved. They claimed they tried calling my cell # ( never leaving a voicemail to at least let me know ) and sent mail to my old address to inform me of this. Really?? And why would they do that knowing i had moved? They asked that i take it up with collections as they had passed it on to them. Collections asked that i settle the amount with them for {$85.00} or it would forever be on my credit report. This type of practice is wrong and should be looked into. What both parties want is that i settle with XXXX for {$85.00} but my account remains open and if i were to ever return to using XXXX i would have to pay the balance of {$80.00}. BIGGEST SCAM going!! I WILL never ever recommend XXXX to anyone and i hope this type of practice gets investigated. One last thing ... anyone with half a brain should ask '' why would i ship all XXXX 's equipment back to them if only in 6 months of moving i would still want to use their services? '' Please someone look into this because they will continue to do this to people.
05/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92131	Web	Servicemember
Please review previous complaint, case number XXXX, and current complaint, case number : XXXX. This complaint is related to these cases. I submitted a complaint against XXXX debt collection agencies, XXXX and Focus Receivables Management ( Case XXXX ) as well as XXXX XXXX XXXX ( XXXX ). I received a response from XXXX XXXX on XXXX XXXX, XXXX which is satisfactory. However, it does not look like the other debt collection agency, Focus Receivables Management, was included, so I am submitted another complaint against them. During an interview last month ( XXXX XXXX, XXXX ) with a federal agent to renew my security clearance with the federal government, I was made aware of negative entries on my Equifax credit report, specifically XXXX references to a XXXX XXXX account that is supposedly in collections. The dollar amount is similar to a previous case ( See my complaint, case # XXXX ) where a debt was mistakenly attributed to me and I was targeted by a collection agency. As you can see from the attached documentation and from the notes in the previous case, this debt was never mine and was eventually cleared ( supposedly ). In a letter dated XXXX XXXX, XXXX, the Collection agency stated that XXXX XXXX notified them that the account had been cancelled and removed. I am not sure the XXXX collections accounts listed on my current credit report are related or not. However, I have never been contacted by XXXX XXXX at any time, and I have never been contacted by a collection agency since this issue was supposedly cleared last year. The reference to it on my credit report is my only indication of a problem. I have already disputed both accounts with XXXX. This debt ( s ) is not, and never has been mine. I know nothing about it other than what I see on my credit report. However, now it is directly affecting my credit rating, and worse, it may potentially affect my security clearance and therefore my prospects for future employment.
08/31/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 16601	Web	Servicemember
XXXX XXXX/XXXX XXXX XX/XX/XXXX-XX/XX/XXXX I started services with the company in XX/XX/XXXX. In XX/XX/XXXX-XX/XX/XXXX, my bill skyrocketed to over 1200. After numerous calls, every month, to XXXX who would refer to XXXX XXXX, who would then refer me back to XXXX, I finally reached a XXXX Representative who investigated the charges. I was reimbursed by XXXX, for 11 charges to reconnect my services. XXXX then sent XXXX XXXX a reimbursement assessment of {$1000.00}, due to unauthorized charges of {$40.00} per month of Movie Channels and {$50.00} per month of a sports package that was never authorized. ( see documentation ) I spoke with XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX, who stated that the reimbursement was on file and had not been released. I ended up closing my XXXX XXXX account, as they continued to not reimburse the monthly charges, and stated that they could " only reimburse my account x 90 days ''. From there on out, I have had to dispute the charges over and over through XXXX XXXX, who then sold my account to a collection agency 3 times. I worked with the XXXX XXXX XXXX to have the first 2 collections removed from credit reports. As of XX/XX/XXXX, a new XXXX XXXX, XXXX XXXX, placed the collection in the amount of {$1200.00} on my credit report. I have disputed the collection and as XX/XX/XXXX, the collection still remains. This has been to say the least, frustrating, and I am at my wits end. This is unfair practices on behalf of XXXX XXXX and their unwillingness to remove the unauthorized charges to my account and reimburse me in the amount of {$840.00}. These collection agencies harass and threaten and most importantly ruin my credit score, that I have worked so hard to keep my credit good. I do n't know where else to get assistance on this, I contacted a lawyer, that was currently in a lawsuit with XXXX XXXX for unauthorized charges, however the practice is out of state. I reside in Pennsylvania.
09/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30274	Web
I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor. Please contact all three bureaus to fix this issue. I 'm not taking another bogus computer generated code that reads verify. If you ca n't tell me your verification process and the steps you took to accurately accuse me of the account please do yourself a favor and remove it. If you read the law it states that in section XXXX please re read carefully if an account does n't go through steps of accurately verifying an account it must be removed immediately. If you ca n't show or prove any verification process. If you do n't have any original documents then it 's another reason why you ca n't continue to allow an account to remain
01/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91766	Web
I accepted services for a fumigation from XXXX on XX/XX/2016 with an ending invoice of {$2300.00}. After the fumigation, I was not satisfied with the ending results so I called and spoke to the manager, XXXX XXXX XXXX ( branch sales manager at the XXXX XXXX office XXXX ; email is : XXXXXXXXXXXX ) After our conversation he agreed to adjust my bill by {$460.00} due to damage to the interior and exterior of my home and unsatisfactory service ; reducing my payment to {$1800.00}. I have the original letter stating the adjustment in my possession. The letter is on the company 's letterhead and has the signature of the branch manager. I paid the {$1800.00} in full by XX/XX/2016. To date, I have been receiving collection calls for the remainder of the balance of {$460.00} which should have been waived according to the letter. There has not been any communication between the XXXX office and the collection agency. I have been put in the middle between both parties saying that each of them will speak to the other and resolve the issue, yet I continue to receive calls for the " delinquent '' bill and no one ever seems to know what I am talking about. At this point I would like to get this resolved and make sure that I do not have any negative reporting to my credit report due to this oversight. An employee from the XXXX call center named XXXX XXXX said I do not have to worry about the credit report aspect but is it going on 90 days " past due '' and generally all 90 past due accounts are reported and since the collection agency has no proof of the adjustment it may be a chance I have been reported. I have spoke to multiple people from the collection agency and XXXX and have not received any calls back from either institutons. I have kept detailed notes on times, dates and names regarding this matter.
05/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX XXXXX	Web	Servicemember
On XX/XX/XXXX I paid XXXX XXXX {$150.00} on account number XXXX XXXX for the final bill that they did not send to the correct address originally so I could pay it. I talked to a representative by the name of XXXX from XXXX XXXX there number is XXXX and she assured me that this account would be now changed on my credit report from collection status to paid in full and that the account was now closed. The confirmation number that this account was paid in full to XXXX XXXX is Name XXXX XXXX XXXX. Afterwards, on XX/XX/XXXX the account updated on all three credit reports as removed and paid in full. I thought that was the end of this situation but two weeks later on XX/XX/XXXX the collection agency that I disputed before about this account by the name of XXXX XXXX XXXX XXXX or XXXX XXXX XXXX placed me back on collections with the credit bureaus showing inaccurate information that this account has not been paid at all. Now once again I call the collection agency and they say that the account is showing paid in full and it shouldn't be showing on my credit report as a collection. I call XXXX XXXX they say the same it was paid in full and should not be shown as a collection on my credit report. I need this to removed immediately. On a side note The representatives from XXXX XXXX as well as XXXX XXXX were not helpful nor cooperative, as well as very rude. When I asked to speak to a manager or supervisor they did not direct me, told me I wasn't allowed to speak to one and on numerous occasions they also hung the phone up on me. I am very unhappy with the treatment I received.
07/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MA 021XX	Web
Several months ago, I discovered an open account in Collections on my XXXX credit report. This was an account listed by Focus Receivables Management of XXXX, GA, in the amount of {$110.00}. Upon contacting them, they had stated this account no longer resided with them, and I needed to contact the original debt requester, XXXX, in order to settle it. After doing so and closing out any and all remaining Collections accounts with XXXX, and additionally confirming that I owe no further debt to them with a representative of theirs over the phone today, I noticed that this is still listed on my credit report. I contacted Focus Receivables several months ago to question this, and they stated that it was simply an error and would " fall off '' my report in 30-60 days. It has not, and upon contacting them again today, I was told the first time that the representative would need to " request her manager send a Delete Request to the Credit Bureau, but that she was currently busy and to try back later ''. Upon calling them a second time today, I was subsequently told that everyone in that department was in a meeting, and to again try back later. Upon further research I discovered a litany of complaints, poor reviews and suggested illegal activity surrounding this company on multiple sites, and additionally discovered they are not accredited by the XXXX. At this time I would like to file a complaint in order to have this erroneous information removed from my credit report, as I have done my due diligence in attempting to clear this up with Focus Receivables on my own.
06/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33604	Web
Beginning in XXXX XXXX , Focus Receivables has been reporting XXXX different XXXX collection accounts to my credit, all with service within a few months of each other in XXXX . I have disputed these accounts with the various credit bureaus, only to have Focus verify them as accurate. I have since written directly to Focus to point out that there is simply no way I had XXXX different ongoing accounts with XXXX . Focus responded with documents which I suppose they believe proves the validity of the debt. However, they do the opposite. Focus sent a contract/invoice from XXXX which shows charges of {$1400.00}. The down payment reports as paid at {$700.00}. The remaining {$700.00} was financed through their in-house plan with a {$68.00} finance charge. A total of {$760.00} financed. Focus is reporting XXXX different collection collections, apparently regarding the same debt, and the amounts in their reporting add up to {$1100.00}. I am well-aware that the number of individual collection tradelines appearing on a credit report greatly effects the XXXX redit score, so it would seem that their reporting of a single acco unt as XXXX different delinquencies is designed to unfairly malign my scores. I do not believe this is legal, either. Beyond this, the debt ( s ) its elf are very much disputed and all Focus did was mail me a copy of the original XXXX contract, which really establishes little. I cant see how this company is allowed to report a single transaction as XXXX separate and distinct transactions, the way it currently is.
06/17/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	TX 78108	Web	Servicemember
XXXX submitted a past due balance for services rendered my rental property ( service address XXXX XXXX XXXX XXXX XXXX XXXX ) to Focus Mamagement Receivables ( debt collection company ). The XXXX XXXX XXXX for the rental property states that services were not routinely rendered and disputed the charges with XXXX. Focus Mamagement Receivables Continued to contact me almost daily after I requested numerous times that they speak with my property management company that was handling the open dispute with XXXX. The company continually told me the amount would hit my credit XX/XX/XXXX if I did not pay. This is illegal as an account in dispute can not be added to credit reports as delinquent payments. I eventually paid the bill to stop the harassing phone calls as to avoid any damage to my credit. I am a military and any damage to my credit could reflect poorly on my security clearance/classification. I spoke with the property Managment company and they were never contacted and did not receive any letter coorspondance as Focus states they would do after each harassing phone call to me. This company is ethically bankrupt. They had no right to continue to harass me and make empty threats that they had no legal authority to follow through on. They lead me to believe that if the corporate level dispute I had with XXXX was not resolved in the next two weeks ( which disputes take months ) they would still damage my credit. Completely misleading me to pay for services that were not rendered.
03/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 11355	Web
I use XXXX XXXX Service at my house. My account number is XXXX. According to my credit report, Focus Receivables Management, along with XXXX XXXX XXXX, fraudulently tried to embezzle {$170.00} and committed other illegal acts such as grand larceny and trespassing on private property illegally. At this time, an unknown party, illegally removed the XXXX XXXX XXXX XXXX from my house and committed grand larceny in the process. I have a clear copy of my credit report. I also have a clear copy of my contract with XXXX XXXX. I am ready to consider a lawsuit against all co-defendants in this situation. I have never contacted XXXX XXXX XXXX or its affiliates. I never have conducted any type of business with them. They did not have lawful permission to be at my place of business. I am the XXXX of XXXX XXXX, a small consultation firm. I also have legal representation and I am ready to file a lawsuit against all culpable parties. The information on my credit report is not accurate. It is a result of grand larceny and identity theft. Additionally, XXXX XXXX XXXX and Focus Receivables Management are claiming that the information on my credit report is more than 7 years old, a time period that is beyond the legal statute of limitations in NYS. The Fair Bulling Credit Act does not allow this collection agency to illegally put this false information on my credit report.
10/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33445	Web
XX/XX/XXXX my credit score was XXXX from XXXX XXXX from XXXX and XXXX from XXXX. On XX/XX/XXXX I received a denial letter for a credit card from Bank XXXX due to a collectionon my name sent to Focus Receivables Management by XXXX on XX/XX/XXXX for an amount of $XXXX owned since XX/XX/XXXX I never had an account with XXXX under my name, the account we had as household was under XXXX name and was closed on XX/XX/XXXX. XXXX retrieved my name from the collection agency XX/XX/XXXX and removed the collection from XXXX before XX/XX/XXXX. As result I lost XXXX points on my credit score from XXXX. However, it was not removed from XXXX. The confirmation# XXXX for my dispute is XXXX XXXX did not contact me in regards to the charges ($448), but due to the length of time my name was at the collection agency, I lost many points. All my efforts to contact the billing department were not successful. Today, XX/XX/XXXX after being transferred seven times I spoke with a person that confirmed my name was removed from the collection agency and that my case is escalated. I have no way of recuperating the points lost due to this mistake made XXXX. As result of this mistake I got a denial on credit card application and I cannot apply for a new credit to buy a house. I would need help in recuperating the point lost on my credit score for all XXXX credit agencies, please.
04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NV 89102	Web
My business closed on XX/XX/XXXX. I contacted XXXX XXXX to cancel me account. They cancelled the account with a written notice from me.. I contacted them 1 month later to inquire about my refund of bill paid. They stated that I needed to return their equipment. I informed them that the equipment was there when I leased the space, and I no longer occupied the space and they would have to contact the landlord. I gave them his information. I called the following month again inquiring about my refund. They states that they did not get the equipment and will not issue a refund with out the equipment. The following month I received a email from a Focus Receivables Management ( Debt Collector ) demanding I paid {$70.00} for XXXX XXXX. I again contacted XXXX XXXX on XX/XX/XXXX to find out why I was sent to collection for a debt I did not owe. Also, they failed to notify me of any debt I owe to them. The fact is that they owe me my refund of fees paid. I then made arrangements with the landlord to give access to XXXX XXXX to access the space and retrieve their equipment. I schedule a time with them on XX/XX/XXXX between XXXX and XXXX I sat in the parking lot from XXXX to XXXX and no one from XXXX XXXX arrived to retrieve their equipment. I have tried numerous time to resolve this issue to no avail. Any help you can provide is greatly appreciated.
07/26/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95037	Web
Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/2017 Date sent to company : XXXX/XXXX/2017 Product : Debt collection Issue : False statements or representation This case was closed because Focus responded to your inquiry. It should be reopened as Focus is deliberately misrepresenting the debt. As noted in their response to you, they claim a {$500.00} debt to XXXX. In another response to me directly, they claim a {$500.00} debt to XXXX XXXX ( again for an account I 've never had ) and had XXXX XXXX Collections try to support that claim. A return letter was sent to XXXX XXXX pointing out the obvious errors in their claim, including a different last name. XXXX XXXX XXXX representative XXXX XXXX XXXX again lists the last name as XXXX in her response to CFPB though that last name was sent to us in reference to XXXX XXXX XXXX claim. The fact that two different companies claim the same dollar amount from one XXXX ( who is obviously not me ) and both Focus and XXXX filed claims against me show obvious collusion, misrepresentation and fraud on behalf of both collection agencies and their partner " companies. '' Consequently, I ask that CFPB intervene on my behalf as well as all like consumers. Based on my online review of Focus and XXXX, I believe them to be predatory and fraudulant in general and certainly in particular to my case.
12/04/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30115	Web
The caller ID that displays for the number is XXXX XXXX XXXX XXXX I have been repeatedly contacted by this collection agency and they tell me they are calling to collect for someone else 's debt on behalf of XXXX and trying to reach this person. I have continued to tell them they don't have the right number, to stop calling me, yet they keep calling almost EVERY DAY. I have tried to get these calls to stop and the agents to remove my number from their list and they won't, they call me on my work mobile nearly every day which is disruptive to my job. They have been calling for the past month and call anytime between early morning and later afternoon. The last few calls I received XX/XX/XXXX - XXXX - again told them to remove my number from their list, I'm not the right person, lady hung up on me XX/XX/XXXX - XXXX - They called again but they hung up before I could answer, I called back and left a message to remove my number from their list XX/XX/XXXX XXXX - they called again, I spoke to a gentleman, told him to remove my number from their list - he responded ; " stop hanging up on us ''. I told him he has the wrong number, that they need to stop calling and remove my number from their list and he replied " We don't have a list '' So I responded, however, you got my number, don't call it anymore - he became rude, I hung up again.
08/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	ID 83814	Web
In XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now in XXXX of XXXX a Collection Agency Named Focus ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of XXXX ( XXXX ) is reporting the SAME account to the third bureau XXXX. This account was never listed on XXXX, but it is now as of XXXX XXXX XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently in my mid XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.
11/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	ID 83814	Web
In XX/XX/XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XX/XX/XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XX/XX/XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now XX/XX/XXXX a XXXX XXXX XXXX XXXX ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of XXXX ( XXXX ) is reporting the SAME account to the XXXX bureau XXXX. This account was never listed on XXXX, but it is now as of XX/XX/XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.
01/22/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85710	Web	Servicemember
I had cable with XXXX XXXX XXXX when lived in XXXX. I only lived in XXXX for nine months. I moved to XXXX. I turned in all of my cable equipment. IN XXXX of XXXX. I received a collection notice from XXXX XXXX XXXX stating I owe a balance of {$320.00}. I made a payment arrangement with them. I paid {$110.00} ON XXXX/XXXX/XXXX AND THEN on XXXX/XXXX/XXXX I paid the remaining balance of {$220.00}. The approval code as XXXX. I also have the proof because i paid out of my XXXX checking account. I pulled my credit report and have a collection account from FOCUS RECEIVABLES Management on behalf of XXXX XXXX stating I owe {$420.00}. This account states it is opened XXXX of XXXX. I am so upset because now I have another company stating I owe monies that I have proof is paid. I am currently under investigation to obtain employment with the XXXX. I have paid all my financial obligations. i disputed the item on my credit report and will call credit bureau in the morning. Please assist in this matter. If an account is paid in full. Why would another collection agency be able to try to collect on a debt already paid! This is fraud and very confusing. I will be happy to pull my bank statement and show balance was paid in full! I also have a copy of the original credit collection service whom i paid. Thank you.
09/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85255	Web	Older American, Servicemember
I terminated my service with XXXX in XXXX 2015 due to dissatisfaction with their billing. They sold me a digital receiver and offered a refund when the analog receiver being replaced was returned. Never received the box to return the old receiver, and when called, they denied agreeing to the refund. I had verbally agreed to extend my contract for two years. So I cancelled my service. I got a " termination fee '' bill of {$380.00}. I was aware of XXXX Revised Statute 44-101 ( 5 ) which states that a verbal agreement not to be performed within one year is unenforceable. Since I never signed the agreement, I wrote to XXXX on XXXX XXXX, 2015 advising them of the statute and the unenforceability. Then I began receiving robo-calls from Focus Receivable Management in XXXX ( XXXX ) asking me to call them. I did receive three calls from employees, and I refused to discuss my personal business with an unknown party. I told them I would respond to a written letter, but not to a phone call. I have yet to receive a phone call, and I only guess the location of the company based on a XXXX search. I realize under federal law ( Fair Debt Collection Practices Act ) I can only stop the phone calls by written notice, but I have no location info to send such a letter. Please help me stop this harassment.
05/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76039	Web	Servicemember
At least XXXX credit burea u ( XXXX ), has repor ted an outstanding debt that is not mine. The original creditor is XXXX XXXX . I have not been a customer of XXXX XXXX 's for over a decade. The company reporting the debt to the bur eau ( s ) is Focus Receivables Management. In late XXXX XXXX , I spoke t o Focus Receivables Management. The agent advised me to file a dispute with XXXX XXXX . She said she believed it may be for some one else with the same name as me. I filed a dispute with XXXX XXXX on XXXX / XXXX / XXXX . I have attached the incident number. On XXXX / XXXX / XXXX , I received a written notice stating they will remove the INQUIRY from my credit report. I was confused by this, as it is not listed as an inquiry on my XXXX report. It is listed as an unpaid collection debt. When I filed a dispute with XXXX , I received a notice stating that the debt was verified belonging to me. I filed this dispute on XXXX / XXXX / XXXX . I have attached confirmation number for this too. Additional Information : The amount owed is {$850.00}. The date reported was XXXX / XXXX / XXXX . The date of first delinquency was XXXX / XXXX / XXXX . The date assigned was XXXX / XXXX / XXXX .
04/03/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TN 380XX	Web
I noticed a collection from Focus MGMT on my annual credit report. It included a charge of {$82.00} from XXXX with an opened dated of XX/XX/XXXX. I immediately called and spoke in detail with Focus MGMT about the invalid account claims for services never rendered. I explained in detail as to how XXXX was unable to bill me for services due to the fact I had n't resided at XXXX XXXX XXXX XXXX XXXX, TN XXXX since XX/XX/XXXX. XXXX indicated services was rendered in XX/XX/XXXX long after I relocated. I preceded to ask for a signed receipt for services rendered in XXXX. I was advised that the account would be referred back to the originally customer ( XXXX ) as an deputed account. I had yet to receive documentation from either parties. Three months later, Focus MGMT just reported account on XXXX with the same information. My question is why I was n't notified previous to the collections being placed for collection? I shared my current address with Focus MGMT when I requested for a signed document containing a verifiable submission of services received ( since I know they do n't exist ). I would like to think this company is n't trying to destroy my credit by not giving notice and placing bogus accounts on my report!
05/11/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90026	Web
I was looking at my credit report and noticed a collections penalty on my report. It was from Focus Receivables Management who said I owe XXXX XXXX XXXX {$700.00}. This was blatantly untrue and I 've never owed XXXX XXXX any money. In fact, I 'm currently using them with a balance of {$0.00} owed on my account. I called Focus Receivables to fix this problem and they said the debt was for an address that I 've never even lived in. So I explained how this could n't even be me and how it was likely a case of identity theft and they did n't believe me! I asked them, what do you need from me to prove that that 's not me and they just told me that I need to talk to XXXX XXXX. The woman I was talking to actually said that she did n't believe me and had literally never even heard of the concept of identity theft. No help whatsoever. I call XXXX XXXX and they say that I have to talk to Focus Receivables and there 's nothing they can do on their end since the collection was already filed. I know there 's a process for removing false collections due to identity theft and Focus Receivables pretended to not know and thus always have a collection out on me and hurt my credit score. They need to fix this immediately.
09/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89178	Web
Just discovered via XXXX XXXX that you have put a collection on my credit report for {$2000.00} on XX/XX/2018. I have not used XXXX for any phone, cable or Internet connections. I have been with XXXX XXXX for years and its all in my husbands name. Ive contacted the Collection Agencys and the Creditor directly XXXX XXXX which got me absolutely nowhere the collection company stated they have only Notes and couldnt provide me with sign documents on any of the information and or reason for the collection to be placed on my credit report I asked why they dont have documents and if they are able to contact XXXX to get them and email me them so I could have them to proceed further in this erroneous collection that has significantly dropped my credit score I am completely confused and mad at the creditor/collection agency who has not been able to provide probable support in order to place this on someones credit and ruin their score without contacting me prior or helping me with proper documents supporting the amount they have placed upon my credit reports. Im asking Please remove this collection from my credit report - it is not my debt ... not mine!!! Ive disputed it also with XXXX/XXXX and XXXX also
11/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77433	Web	Older American, Servicemember
On or about XX/XX/2013 my wife and I entered into a contract with XXXX home security services, this was a 3 year contract, approximately one year into my contract with XXXX, a XXXX home security services representative showed up at our door selling their version of home security, I immediately informed the rep we were in a binding contract with XXXX for 3 years, the XXXX rep stated that was not a problem and the XXXX rep stated his company XXXX will do what is called a take over, well we know that was a lie, 8 to 9 months later I get a call and a letter requesting why we backed out on our contract with XXXX, no problem XXXX took us back and waived all late fees and all missed payments, I sent XXXX several cease and desist letters, each time XXXX ignored my request to be left alone and to stop harassing my wife and I. now XXXX has turned this issue over to a company called Focus Receivables Management , LLC. XXXX Ga. XXXX, Phone XXXX my wife and I were duped into thinking this company XXXX was a company good upstanding company, we would very much like to stop XXXX from harassing my wife and I and to stop XXXX and Focus Receivables from passing this illegal account on to other collection agencies.
09/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30274	Web
I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor.
12/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30906	Web
On X/XX/2017 I reached out to XXXX XXXX ( Incident XXXX ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as incorrect names on the bill. Only my name should be on the bill as is shown on my written contract. I provided a copy of my contract and details of their errors and received a response from XXXX XXXX in writing on X/XX/2017 clearly stating that everything is correct and notification that I will receive a late fee if they do not receive my payment in full by the due date. Since they did not wish to honor their written contract, I was forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill ) and would owe no monies due to their lack of interest in honoring their contract and immediate cancellation prior to their next bill. I called XXXX XXXX today and was notified they placed my account ( with the aforementioned known billing errors ) into collections with XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX does n't immediately clear up this matter, I will contact FTC and immediately file suit through Consumer Fraud Legal Services. Thank you.
11/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MS XXXXX	Web	Servicemember
On XXXX XXXX, 2016 I called into XXXX home security and made a payment in the amount of {$70.00} they advised because I made a month payment for my home security system that they would continue my contract and service. After making the payment it was agreed that they would accept the balance on my account in the amount of {$190.00}. I never knew they disconnected services and transferred the account to Focus Receivables after receiving payment and agreeing on balance of {$190.00} to be made payable on XXXX XXXX, 2016. I spent more than an hour making arrangements and also making a monthly payment. They took money on false pretense advising that they were going to continue services when they actually discontinued service and sent account to collections after making agreement and receiving money. I am disputing the collection attempt after payment was made and arrangements were also done as agreed. XXXX continues to receive money advising customers that they will do certain things and do not XXXX has a poor customer service making arrangements and taking money when they should assist and stop sending accounts to collections when they has already made payment arrangements with their customers.
02/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46140	Web
IT started with XXXX XXXX i called them up XX/XX/XXXX for shipping boxes and called three straight weeks with my address did not get, i do owe XXXX XXXX and did my best to pay bill but got nothing back from them until i got a call from XXXX XXXX mange about bill.XX/XX/XXXX they said they had all my information but did not have my address. They put collection on my credit before they called or got any thing in the mail, i have lived at this address for three years, the address they had was rental for a family member which the cable was in my name.so i called them a day later to make a deal if they would write a letter to clear negative remarks on my credit and i would pay bill they said they won t do that. so they refused my money to pay off bill they wanted money first then send letter saying it was pay, they wanted my new existing address i will not give to them once again i will pay this. But the thing is they messed my good credit up and did not let me know until after they put in for collection. Did not give me a chance to pay off bill i worked for years to get my score up and they screwed it up by not contacting me they had my cell but got no voice mail.
04/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 43219	Web
I have a a unverified account from FOCU S RECEIVABLES MANAGEMENT # XXXX . I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX . Pursuant to the Fair Debt Collection Practice s Act ( FDCPA ) 15 U.S.C.1692g, I dis pute the validity of the debt purport I owe. I request thatFOCUS RECEIVABLES MANAGEMENTProvide verification of the following : 1. ) The original Application or contract, OR Contract Agreement between FOC US RECEIVABLES MANAGEMENT a nd XXXX XXXX and XXXX XXXX XXXX . 2. ) Any and all statements allegedly related to this debt 3. ) A ny and all signed receip ts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begi n 6. ). Whether you purchased the debt, and if so, the amount paid for the de bt 7. ) The date ( s ) the debt allegedly accrued 8. ) An item ization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FOCUS RECEIVABLES MANAGEMENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
07/18/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	AR 716XX	Web
XX/XX/XXXX : This appeared on my credit and I called the current debt collector of this XXXX XXXX told them and I have never had an account with this company asked for proof to be sent I signed for this .. Proof was never sent and it was removed once I disputed this.. This was sold to another 3rd party debt collection agency and it has been put back on my credit ..I have disputed this over 6 times times and it was removed from my XXXX credit report but not XXXX .. If this was mine I could have filed it under my bankruptcy in XX/XX/XXXX .. And also XX/XX/XXXX ..my apartment complex burned down .. I made the front page of newspaper that I lost everything.. my address does n't match wherever these people claim I had service.. no one has sent me proof of a bill or where I have signed a contract for this rogue account.. Where is the copy of my drivers license or signature on a contract??. This is not my account.. have no knowledge of this account.. this shows my credit under Focus Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX {$700.00}
04/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 750XX	Web
We had a XXXX bill and it was paid. XXXX messed up the billing and somehow said we owed a amount that is not owed. We have contacted XXXX and have on a recorded conversation that this debt is not owed.The conversation between myself and a XXXX representative clearly states that a XXXX balance is owed. And he would get me a statement showing so.He also clearly states that the collection company needs to update it on there end. And cease with any further attempts to collect on this debt. As it is not valid. I have spoken to focus recievable management several times including the floor supervisor. They always say this will be taken care of and they will get back to us, But then we never hear from them. They have a copy of the recorded conversation as well. And refuse to acknowledge it.This is in violation of the FDCPA especially when we have a recorded conversation stating from the original company that the debt is XXXX . Attached is the recording which clearly states that there is a XXXX balance due. I also have attached the final payment we paid to them for proof.
08/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CO 80017	Web
I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Focus Management from XXXX XXXX in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. When I tried to call the number listed on the credit report it was not a valid number. I decided to search on XXXX and it showed many claims of fraud. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! I filed a complaint with the XXXX and this company refused to respond to my complaint. I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!!
08/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	GA 30238	Web
I have completed a bankruptcy protection in XXXX 2015 and I have paperwork showing that the bankruptcy was approved. I have been getting calls from some company called " Focus Receivables Management ''. I have asked to speak to someone about it but I just get sent to a voicemail for XXXX. No one will tell the what the account is for just mumbling about an attempt to collect a debt. I keep telling them that I have completed a bankruptcy and I still keep getting called to tell me to call them back and I keep getting a voicemail. I am so done with this, I am tired of dealing with ignorant people who do n't know anything about the debt and want me to pay. Not so, I 'm not old and senile to pay anyone who says I owe them something. They need to get band from doing busy in America, this is ridiculous calling me at night and in the morning hours. I do n't owe anyone anything, everything was cleared in bankruptcy. I know if they 're calling me they 're calling other people as well and doing the same thing.
09/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 303XX	Web
Closed XXXX account in XXXX 2016 after paying them for over two years on time and with no late payments. Received verbal and written confirmation that the account was paid in full and closed. Received final statement with XXXX amount due shown as XXXX. Two months later, XXXX sent me a bill with fraudulent charges claiming I had n't paid ; even after the account was closed with a XXXX balance. I called their customer service to dispute and received a very unprofessional response stating that they would not remove the charges and threatening collections. XXXX sent the charges to a debt collector which are now impacting my credit and financing costs. This is clearly consumer abuse, lack of business responsibility and lack of respect for consumers. The current system we have in this country is very slow to react to improper credit report abuse via credit reporting agencies that sleep on unprofessional credit reporting by companies like XXXX and debt collectors like Focus Receivables.
08/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
I XXXX XXXX just recently checked my XXXX credit report and discovered a new collection that I have no knowledge of whatsoever.From a company named XXXX with a parent company of Focus Receivables Management. No account number is listed. Neither of which I have ever had an account with or done business with. So then why are they trying to collect an alleged debt from me? Also I was NEVER sent any communication at all from this company about this debt, my right to dispute it within 30 days.Nor any sort of validation on the account. And if so I am requesting to be shown these documents with dates and to what address they were sent because I believe that they weren't. Clear violations of FDCRA.I am submitting: 1. a screenshot of the entry on my XXXX credit report. 2. copy of cease and desist letter sent to them back on XX/XX/2019. They were going by the name XXXX XXXX XXXX then. Same account number and same alleged original XXXX XXXX.
08/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MA 01844	Web	Older American, Servicemember
After less then one year XXXX 2016 with XXXX XXXX, I received a bill with a {$69.00} increase. My account number is XXXX. I refused to pay because my contract with them on page 4 section 5 states that without written notice they can not increase my cost. I have copies of ( three ) to be exact of day -- date -- time and who I spoke to at XXXX XXXX and was told by all the people too bad you have to pay it. I have since signed up with XXXX. I am a member of XXXX XXXX and my XXXX credit card also keeps track of my score. Last week I received a notice from both stating that my rating which was well over XXXX dropped by over 60 points because of a {$600.00} debt to XXXX XXXX by a collection agency name Focus RM in XXXX XXXX XXXX XXXX. A XXXX XXXX owns this agency. How is it that without any written notice NO phone call to ask if I have proof that XXXX XXXX broke the contract and NO XXXX LETTER can ANYONE AFFECT MY CREDIT WHICH HAS BEEN WELL OVER XXXX for years.
08/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78216	Web	Older American
For over three months I have been getting collection calls from a company called Focus Receivables Management. According to the internet, their address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX The collection calls are in the form of robocalls, and all of them say exactly the same thing, in effect, it is a debt collection call from Focus Receivables Management, and a number to call back. No mention is made of what the debt is ( I do not have any debt whatsoever and owe nothing to anybody ). I typically get two or three such robocalls per week. I have recorded typical robocalls which are attached as a file. I have decided that I will not respond to those calls as I have no debts, as a response would make things worse and give Focus additional information. At no time has Focus Receivables Management provided anything to me in writing. I suspect that somehow Focus has my telephone number in error but it is more than possible that it is some scam.
01/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75501	Web
XXXX XXXX XXXX sent a notice back in XX/XX/XXXX in which i called as soon as I got the bill. It was an old bill from XXXX XXXX. I was willing to settle the debt since it had hit collection however the amount on the bill was not the amount I was told my last bill was going to be. After speaking to the representative, I was told if I paid the amount I could today and then call XXXX XXXX to try to get them to lower the bill, they should be able to take the payment I had just made. Unfortunately, that did n't work. After making half the amount owed, this collection company still sent me to collections due to lack of payment. I told them I wanted to settle and I know how agencies work. I have this call recorded, just like they should. I would like for this to be removed from all 3 credit bureaus. I have kept my report clean, and have been working to keep it that way, but his is ridiculous. Dates range from XX/XX/XXXX until XX/XX/XXXX
07/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 105XX	Web
The collection agency ( which operates under two separate names ) XXXX XXXX XXXX, as well as XXXX, reported a collections account on my three major credit reports for a XXXX collections account for {$420.00}. I have proof this account was paid directly to the original creditor, XXXX, prior to this agency attempting to collect the debt from me. Furthermore, I never received any notification of this debt or had the ability to dispute within 30 days because the agency was not contacting me at an accurate address. I provided the proof to both of the debt collectors operating names that the account was paid in full prior to their attempt to collect the debt. The have refused to remove the account from any of my three major credit reports, and I have now retained counsel to file charges against them regarding this matter, including punitive damages.
03/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DE 19977	Web
THIS IS NOT A DUPLICATE. I submitted a complaint against Focus XXXX and XXXX XXXX. I moved into an apartment at XXXX XXXX XXXX on XXXX/XXXX/XXXX ( I have attached the lease validations from the residence management company ). XXXX submitted a collection to Focus showing the XXXX delinquency date as XXXX which was BEFORE I moved in. They have taken a previous resident 's bill and placed it on my credit bureau as a collection. XXXX said I needed to file a police report and file fraud affidavits. This is not fraud ... it is poor accounting and management. I filed a complaint against XXXX XXXX and CFPB told me I needed to file against Focus. I have attached my credit report showing the first delinquency of XXXX ... I have attached a letter from the property manager showing I moved in in XXXX.
12/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ID 837XX	Web	Servicemember
Focus Receivables ManagementXXXX XXXX XXXX XXXX, GA XXXXThis company has reported to the credit agencies that I have {$38.00} in collections with XXXX XXXX from XXXX and reported it in XXXX XXXX. I 'm in the process of trying to obtain a home loan and this has negatively affected me. There is no way that this is a legitimate debt as I was not living in the United States from XXXX XXXX - XXXX XXXX, do not have XXXX XXXX nor is it even available in XXXX Idaho where I 'm currently living. They had called me several XXXX times and I informed them that this is not my debt and I do not have any account with XXXX cable. I had asked them several times to stop calling me before blocking their number. I 'm still receiving several mysterious automated calls daily. Regards, XXXX XXXX
07/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 602XX	Web
" There was no debt to begin with '' I used to be XXXX XXXX XXXX customer. In XXXX of 2016 I decided to discontinue using the service. I disconnected the equipment and returned it to the closest XXXX XXXX XXXX on XXXX/XXXX/2016. Then I tried to get XXXX to actually close my account. It took over a dozen phone calls and over 2 months for them to finally close it. Meantime their billing system kept adding new service charges and late fees. After the amount went over some threshold I started getting multiple robocalls per week from " Focus Receivables Management LLC '' collection agency to my personal cell phone. Even after I was finally able to get XXXX to close my account and remove all the bogus charges - the robocalls from the collection agency did not stop.
12/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30274	Web
I have attached a letter for the following Collection Account Companies. Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my mental clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.
04/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 444XX	Web	Servicemember
There is a report on my credit from : FOCUS RECEIVABLES MANAGE XXXX GA XXXX They are claiming I owe {$280.00} from a XXXX XXXX Cable bill. I called XXXX XXXX Cable directly to confirm the charge and to possibly pay them directly if there was a delinquency. Once I talked to XXXX XXXX, they confirmed that I did not owe any money, and that my canceled on time and my last bill paid in full. They said they would make a note on the account, and that if the collection company called to tell them the account is invalided. I tried to call the collection company and was put on hold for two hours ( I left it on speaker, while I was around the house ). I then went online only to find other reviews that stated the same issue with contacting the company.
09/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30004	Web
Several time a day I am receiving phone calls from Focus Receivables Management , LLC. The phone call is an automated call that alerts me that that this is an attempt to collect a debt and to call their number, XXXX. I have called there number repeatedly but never get an answer. After sitting through a short automation, ( click XXXX to speak to someone ... ) The phone simply rings continuously and no one picks up. At this moment, it has been ringing for XXXX. No answer. The debt is not mine. It belongs to the person who previously held my current phone number. I would like to ask them to delete this number from their system to stop the consistent calling but I ca n't get through to anyone. It has now been ringing for XXXX seconds.
12/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MA 01701	Web
I am filing a complaint for a debt collection agency. This agency is Focus Receivables Management XXXX XXXX XXXX. XXXX XXXX. XXXX, GA XXXX. XXXX This company has never attempted to contact me regarding any debt via phone, email, or mail. They reported this debt from a previous cable company from years ago as a collection on my credit report to all XXXX credit bureaus. I have since paid XXXX what was owed to them and this " collection '' remains on my credit report. I sent this debt collector a letter to have this removed from credit report as I was never notified of any debt owed prior to the report on my credit. This has had a detrimental effect on my credit score. Please accept this as a complaint against this collection agency.
03/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 750XX	Web
Hello this is regard to XXXX and there attempts to collect on a debt that has been paid. We discontinued service with XXXX in XX/XX/2016. They could n't get our billing correct so we parted ways. We have sent back all XXXX receivers and they continue to bill us for a unknown large amount that we do not owe. We paid the XXXX $ that we setup in XX/XX/2016. They never applied the payment and said they had a problem with there system. It is now in collections and we need it removed. I am attaching XXXX pdf files. XXXX shows that the payment came out of our bank account on our bank statement out of our business account. The XXXX shows a confirmation email from XXXX showing that we did have the payment scheduled and what I say is true.
09/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 07024	Web
FOCUS RECEIVABLES MANAGEXXXX XXXX PK XXXX, XXXXXXXXThis company listed above has reported a false claim on my credit report with XXXX stating I owe them {$200.00} from an account opened in XXXX 2014. I have called XXXX XXXX XXXX XXXX inquiring about this debt and they do not have any information regarding it. I have tried contact this so called company, and can not get any representative on the phone. They have not sent me any letters either informing me of this so called debt I owe. This is impacting my credit score and report and need it removed ASAP! I need to speak with someone regarding this immediately. To my understanding I am not the first person this collection agency has falsely accused of owing money to.
05/11/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WV 26508	Web
XXXX Management robo calls our house about XXXX-XXXX times every week for the past XXXX months. They call in the afternoon to XXXX at night. It does not say who they are trying to reach, but every time we pick up, it is a machine that says the same thing or leaves the same message on our answering machine. It says who they are, that someone owes a debt and to call them back. Obviously I know I do not owe any debt, nor am I going to call them back. I searched the number and see it is a scam. My number is even on the Do not call list. We keep track of our credit reports and pay everything on time. We do not even have our house number listed on any of our loans or creditors, so that is even more amusing.
01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11714	Web
XXXX XXXX is alleging that I owe {$250.00} for a " Previous Balance ''. I have disputed this claim multiple times over the past 3 years but no one will explain to me what the " previous balance '' is from. Focus Management ( the debt collection agency ) removed the debt from my credit after I disputed the debt and then within a few months added the debt again ( this happened three times ). It 's a cycle of harassment. Focus Management refuse to send me a bill that explains what I owe. XXXX XXXX required that I pay {$10.00} per pay statement to obtain a bill from them. It has been a ridiculous cycle. If they can prove that I owe something I will pay it but so far they have not validated the debt.
08/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75010	Web
A recording from Focus Receivables Management keeps calling saying that they are trying to collect a debt. Sometimes I pick up, but there is no real person to tell that they have the wrong number. I do not know if they are the same people calling my cell, but someone keeps calling my cell to collect a debt. Once I talked the the cell phone people and determined that it is a scam. However, they keep calling and harassing me. I manage all of my debts carefully and have checked my credit report. The debt is not mine or they are a scam. The number that they tell me to call for Focus Receivables is XXXX. The numbers calling my cellphone include XXXX. I block them each time, knowing they are a scam.
05/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38018	Web
I do not know what the calls are about as they will not give me information about their call without requiring me to disclose personal information that I am unwilling to give. I receive XXXX5 calls a day from this company. I am on the " XXXX, but they just keep calling. When we ask who they are, they refuse to tell us. When we ask why they are calling, they require personal information to disclose why they are calling. So, they just call again two hours later. They secretary of our company spends hours each day dealing with this! Please make them stop these unscrupulous tactics. This has been going on for months! They call from Focus Receivables Management in XXXX, GA from the number XXXX.
10/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77088	Web
FOCUS RECEIVABLES MANAGEMENT are wrongly trying to collect a debt and have placed a debt on my credit file. This company is NOT licensed and bonded in the state of Texas. After contacting the Secretary of state Texas Focus Receivable Management do NOT have a bond in the state of Texas. This is againist the law of the state of Texas. Section XXXX of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a XXXX bond and filed a copy of the bond with the Office of the Secretary of State. They are attempting to collect a debt in the amount of {$910.00}.
09/12/2017	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	CT 06457	Web	Servicemember
At the time of this complaint this agency is reporting a negative account to all XXXX credit bureaus. This agency 's license to collect in the state of Florida was terminated on XXXX/XXXX/XXXX. As such, this agency is illegally attempting to collect a debt and is in violation of XXXX XXXX XXXX XXXX which states " XXXX penalty.It shall be a misdemeanor of the first degree, punishable as provided in s. XXXX or s. XXXX, for any person not exempt from registering as provided in this part to engage in collecting consumer debts in this state without first registering with the office, or to register or attempt to register by means of fraud, misrepresentation, or concealment. ''
06/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30238	Web
I contacted : NAME : XXXX XXXX XXXX XXXX XXXX ACCREDITED BUSINESS : NO CONTACT : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX PHONE : XXXX XXXX FAX : XXXX XXXX Website : www.focusrm.com on XX/XX/XXXX by email. I noticed that this company is reporting inaccurate information on my credit file. I attempted to contact them but with no success. I then filed a claim with the XXXX on XX/XX/XXXX. XXXX case number is : XXXX. I again received no response from this company. I am looking to seek damages in {$1000.00} per breach of FDCPA in addition to having this inaccurate, incorrect information removed from my credit file. Please assist.
08/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KS 666XX	Web
this goes back to XXXX from XXXX, an account was opened in my name, i was still in XXXX tx still, it was successfully proved to be false and i was not responcible for it, so XX/XX/XXXX it waS TAKEN OFF MY CREDIT REPORT, remained that way untill recently a shady collection agency focus recieveables management put it back on my report, they have not contacted me by phone or letter, so i wrote them a letter tellin them to verify they have the right to be doing this, they still have not contacted me, these people have so many complaints against them, now i know why, i just want them to stop lying to the credit bureaus and take this off my credit report
02/08/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 22031	Web
Company filed a negative comment on my credit report. Did not receive any written communication from them.? This company inundated my land line for several consecutive days. I would not give them any of my personal information because I was unsure if they were a scam for my identity. I asked them to send me the invoice and also I was told that it will be put in dispute STATUS AND WOULD NOT BE ON MY Credit report till they here back from the creditor. next thing i know its on my credit report and I never received the invoice till this day!!!! but they added a derogatory comment on my credit report.I DESERVE VAILIDATION OF THE DEBT.
03/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 45424	Web
This company attempted to collect on a XXXX XXXX debt that was paid in full. I contacted XXXX XXXX and researched with them and they were not showing a debt owed to them and could not find where anything was reported to this debt collection company. They were showing I was paid in full especially since I had current services with them. I contacted the debt collected company back and informed them off this and they said they would report it and have it removed. This was in XX/XX/2014. The account RECENTLY has been ADDED back onto my credit report and is showing as an open account and they are attempting to collect on it again.
07/22/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20716	Web
I filed a complaint with CFPB XX/XX/XXXX and again XX/XX/2016 [ Case number : XXXX ] about a bill from XXXX that I did not incur. XXXX agreed that the bill was done in error and contacted their collection agency - FOCUS RECEIVABLES instructing them to cease collection and update their records. Despite numerous requests to remove inaccurate information, FOCUS RECEIVABLES continues to submit information to the credit bureaus that they know to be inaccurate. I had my attorney submit a letter to FOCUS RECEIVABLES XX/XX/XXXX. However, as recently as XX/XX/XXXX they ( ONCE AGAIN ) Submitted false data to the credit bureaus.
07/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34232	Web	Servicemember
I supposedly owe XXXX XXXX money owed to XXXX. They have called my place of business saying they are a debt collector when asking for me yet can never be reached through any number even after numerous voicemails to attempt to understand or handle the actual debt. Which has been paid. I still use XXXX time to time currently. I am trying to close on a house and this is the only negative mark on my credit report in years. I am baffled. I can not close until this is remo bed and can not even reach the company. Why call my place of business and not my cell phone. I have never left a work number. This is beyond ridiculous.
04/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 60008	Web
Focus Receivables has called my number at least XXXX times with a voice automated message that it was " attempt to collect debt. " I called them back and spoke to XXXX XXXX @ XXXX. She said that I owed comcast an early termination fee from back in XXXX on a business line. I explained to her that there was no early termination fee as it was waived because I upgraded an account simultaneously when this was closed. I told her I had the paperwork that I could show them and already spent 4 months with XXXX trying to resolve the issue. She was not interested in any explanation and said that I " simply owe the debt ''
04/06/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 129XX	Web	Servicemember
FOCUS RECEIVABLES MANAGEMENT has been calling and harassing me about a bill owed to XXXX. I haved contacted XXXX XXXX and the company states they have no record of me evering having there service or owing a bill with there company. I have told Focus Receivables Management on numerous phone calls this information and have asked for proof from there company showing I owe this debt. Now this company are reporting a collection account with all three credit bureaus listed under my name, which is ruining my credit standing. I asked for them to delete this false information from my credit reports without any luck.
03/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 850XX	Web
XXXX XXXX XXXX. I do not know what this is for. I believe it is XXXX XXXX who forces subscribers to open new accounts when you transfer services which I have done twice and have noticed they reported put those accounts into collections after charging me under my old account when I was paying regularly on my new account. In XX/XX/XXXX'17, I had a balance of around {$40.00} plus whatever they charged for a late fee. They waived the late fee and credited my new account {$20.00} and I paid the balance. Now I see this on my report that was reported in XX/XX/XXXX so I can only assume it originated from XXXX.
06/19/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	UT 84020	Web
The company continues to call me and leave messages. When I answer it 's only a recording of very unspecific nature trying to get me to call them. I have excellent credit and nothing outstanding on my credit report so I know they are not trying to collect a debt from me. At this point I feel like it is harassment. Several calls a day is too much and answering their calls does nothing because there is no person to talk to just a recording. I am not going to call some number and take the risk of having to pay international fees like so many scams out there. I need to be removed from their call list.
05/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 78757	Web
I am receiving up to 10 calls a day, during all times of the day, from Focus Receivables Management. They do not identify me by name, nor do they name the debt I " owe ''. We recently declared Chapter XXXX bankruptcy, and 100 % of our debts were discharged. We still have a mortgage, but no other debt. We are current with our mortgage and have never made a late payment. Focus Receivables Management calls and claims I have this debt, when I have a copy of my husband 's and my credit report in front of me, showing all debts discharged. I do not want them calling me any more. I find the calls XXXX.
10/18/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89104	Web
XXXX XXXX Keeps sending me to collections for a bill that is not owed I had a prepaid account so I paid I advance for services and upfront I have no contract with XXXX XXXX XXXX and XXXX both took the collection off and now XXXX XXXX sold it to another 3rd party company and now it is back on my XXXX credit report with a different collection then before Company called focus receivables management XXXX XXXX should be in trouble hirting peoples credit for bills that are not owed to them my credit score went down 75 points for a bill I do not owe XXXX should now be allowed to do business that way
02/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 02139	Web
I have an XXXX XXXX Score acount and any type of chages to my credit or score XXXX notifies me through email and text. On XX/XX/XXXX XXXX flagged my account as collections by an agency name XXXX XXXX XXXX. They reported that I owed a balance of {$800.00}. I never received any letter, phone call from this agency about this debt verifying that this account actually belongs me. On my my credit report from XXXX it says this acoount was opened on XX/XX/XXXX and on my XXXX report it says this account was opened on XX/XX/XXXX, two different opened dates which is odd.
08/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 371XX	Web	Servicemember
Debt was to XXXX XXXX and we had paid the bill. This XXXX called and demanded that I pay them that XXXX did n't have my account now. Continued pressuring me. I asked for them to send a bill for conformation and she refused. I told her she needed to contact their client and she said that I had to prove I paid it. Very rude and disrespectful. I want all communication to cease and ALL derogatory info off my CR. I am seeking an attorney to file a law suite in TN for their unlawful collection attempt. Several of the laws have been broken for TN collection services.
12/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 91792	Web
An item which originated in XXXX of XXXX from XXXX XXXX XXXX appeared on my XXXX and XXXX reports in XXXX of XXXX. I contacted XXXX XXXX and the only information they have on this is index data which indicates the item was sent to collections in XXXX. It is now being reported with an " Open Date '' of XXXX XXXX, XXXX and XXXX XXXX, XXXX, respectively. It has obviously been re-aged. I was never notified of this collection attempt via U.S. Mail or telephone. I will send out letters to the agency next week after XXXX with a demand for supporting documentation.
10/01/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 92870	Web
I notice my credit had a negative reporting from this company. This debt was an older debt but they reported it as current charge off as of XXXX/XXXX/15 which isnt true. This was already sent to another agency who could validate the debt ad was removed off my credit. This is the XXXX time it has been reported. So now im being punished XXXX times for the same debt that was originally removed. Just because they purchase the debt doesnt mean they can lie and try and ruin your credit. Also i notice they do this all the time with many people.
04/24/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29708	Web	Older American, Servicemember
I suspended XXXX ... now XXXX service billed at my father 's house untill futher notice/ my authorization to return cable service. XXXX XXXX proceeded to turn on the service without authorization and while no one was living in the residence.. The charge was tranferred to me as the personal representative for his estate. I am being negatively impacted by a company called FOCUS RECEIVABLES MGMT LLC. They filed negative and false info affecting my credit score and purchasing power. Is ther any thing can do to fight this BOGUS claim?
07/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11355	Web
I did not have appropriate heading that best described my situation. I received no communication whatsoever either written or otherwise still my alleged debt was reported to credit agencies by Focus Receivables Management -FRM- ( I realized after I was denied credit ). FRM 's predecessor verbally promised me that they will remove the alleged debt from their record and no credit bureaus will be reported. Although written communication said that they will not pursue the alleged debt and no credit bureau was being informed then.
04/01/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	LA 70806	Web
Focus Receivables Management & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXXThe above listed debit collection company contacted me via letter File # XXXX referencing I owe {$130.00} from XXXX Last four digits of account XXXX. All above listed information was on letter they sent. Focus Receivables Management upon contact did not show themselves to be a legit company or any other information to provide they are not a scam but they just kept asking for personal information and this is the XXXX and only letter they sent also
10/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AL 36609	Web	Older American
I purchased a termite pest control protection plan from XXXX XXXX XXXX XXXX and/or XXXX XXXX, which was financed with XXXX loans through its finance arm XXXX XXXX XXXX. Because XXXX did not provide the XXXX, I stopped paying the finance installment agreements. The alleged debts were sold or transferred to Focus Receivables Management, who has admitted in writing that the debts were " in error, '' only after reporting them to credit bureaus and sending me letters asking me to pay. Focus will not verify or validate the debts.
05/01/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76110	Web
This company has called me XXXX times about a " debt '' that I owe, but will not tell me what this debt is from. I do not know of any outstanding debts that I have, and nor will they tell me what this debt is supposedly from. Were very threatening on the phone that they would continue to come after me. I asked them for verification that they were a true company and not a scam, because I do not give out financial information over the phone, and they would not give me a website or any other way to verify that they were real.
02/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92345	Web	Servicemember
Focus Management is attempting to collect a debt for XXXX that I do not owe. XXXX never provided the service. I have a gated yard and XXXX did not have access to provide the service they are attempting to charge for. I verified this three times with calls to XXXX. When I received a notice requesting validation from Focus Management I informed them the account was not valid and that XXXX agreed and instructed them I was in dispute and NOT TO REPORT THIS as they had not validated the debt they still reported the collection.
10/27/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 370XX	Web
a account with XXXX XXXX was opened in my name sometime in XXXX the address for this location was in XXXX tn and i have never lived in this town. ive made several attempts to fix the issue with XXXX but all have failed. ive received a collection from a collection agency and this is now damaging my credit. the address for this account was XXXX XXXX XXXX XXXX XXXX XXXX and the property is owned by XXXX XXXX ive asked XXXX to contact the property owners to verify ive never lived at this address and they refused
07/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AR 72209	Web	Older American
This is regarding XXXX XXXX billing me for services on a home I sold on XX/XX/XXXX, which they were advised of before the sale. They even came out and did the final inspection for the sale. I noticed that it was on my credit report when I looked on XX/XX/XXXX, so I sent them a check for {$86.00} Check # XXXX thinking that would take care of it and get it off my collection report. But that did n't happen. Now they have turned it over to XXXX credit reporting agencies - Focus-RM on XXXX and Focus MGMT on XXXX.
07/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92880	Web
I was looking at my credit report and I found there is an attempt to collect a debt from me by Focus Account Receivables which I do not owe. The original creditor was listed as XXXX XXXX XXXX on the credit report. I had service with them 5 years ago, and account is closed. XXXX XXXX also does n't provide service in the area I currently live in for the past 5 years, and I also called XXXX XXXX and they do n't have any record of my name or phone number in their system or anything I owe for that matter.
07/10/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10034	Web
They continually robo call my line at all hours of the day. Some days they have left up to XXXX messages. The message is recorded and they do n't even have my correct last name!! They give you NO information whatsoever, and after reading all the other complaints about this company, I do not dare call back. All other debt collection agencies send you written notice via mail. Why should I be harassed about something I know nothing about and do not know of any uncollected debts that I might have.
07/17/2018	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 331XX	Web
XXXX XXXX XXXX falsely reported a bill that I had not paid to collections. This was a false report because I had changed my plan from one type of XXXX XXXX XXXX product to another and because of their erroneous billing practices they continued billing me for my previous product even though I had switched to a different product of theirs and told them to cancel the previous product. Furthermore they made no attempt to contact me before sending their mistaken debt to a collections agency.
08/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21218	Web
Contacted collection agency on XXXX/XXXX/2016 for payment of total amount owed. Paid total balance owed on XXXX/XXXX/2016 with credit card. The amount was debited to my bank account on XXXX/XXXX/2016. Now the collection agency still show unpaid collection in my credit report. I have disputed this balance with XXXX but nothing has been done. I have also contacted both the original creditor and the collection agency but they refuse to remove the derogatory information on my credit report.
07/08/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 28715	Web	Older American
Focus Receivable Debt Collection Agency is constantly calling with a recorded message. Do not tell who they are looking for. Returned call and no XXXX answered. Called again the next day and was hung up on. No one in this family has a debt that is n't being paid monthly. Today someone answered and they wanted all kinds of information like my name and telephone #. I told them that since they were not telling me who they were looking for then then they were not getting my personal info
01/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76549	Web	Servicemember
I CHECKED MY CREDIT REPORT WITH XXXX XXXX XXXX XXXX. IT HAD AN UNKNOWN COLLECTION REPORTING FOR {$79.00} FROM A COMPANY CALLED XXXX XXXX XXXX. I CALLED THE COMPANY ASKING ABOUT THIS UNKNOWN COLLECTION ON MY ACCOUNT AND THE REPRESENTATIVE TOLD ME THEY DO NOT HAVE A COLLECTION UNDER MY NAME OR SSN. I ASKED THE REPRESENTATIVE TO SEND ME SOMETHING TO SEND TO THE CREDIT AGENCIES AND HE REFUSED. THIS ITEM DOES NOT BELONG TO ME AND IS HURTING MY CREDIT. PLEASE HELP ME IN REMOVING THE ITEM.
05/22/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA 02122	Web
Company is reporting on all XXXX credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail
02/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 31088	Web	Servicemember
I have contacted this company a total of three times, requesting validation of the alleged debt ; as well as proof that they ( the company ) has the legal authority to collect the alleged debt on behalf of the original creditor. Twice the company sent a billing ledger as validation. A billing ledger does not assign a debt to me. In the two times they have sent that billing ledger they neglected to include proof that they have the legal authority to collect the the alleged debt.
12/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91360	Web
I paid on XXXX/XXXX/2015 to Focus Receivables a collector for XXXX in full {$1000.00}. I have called Focus and they insist I still owe this amount. I have sent Focus a copy of my XXXX XXXX Statement as verification that I used my XXXX XXXX Card to pay this amount on XXXX/XXXX/2015. I have also filed a dispute with XXXX, and Focus still has refused to remove this negative status on my credit report. I just do not know what else I can do, pay Focus again??? Thank you,
06/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 331XX	Web
The company XXXX XXXXXXXX XXXX also going by the name XXXX XXXX XXXX reported my cell phone account with XXXX XXXX XXXX to XXXX as being unpaid. Said company did not validate the debt nor did it give me the opportunity to request validation and did not correspond with me at all and in truth this debt has been paid. The company has therefore violated the Fair Debt Collections Practices Act and needs to remove the false information from my credit report immediately.
06/13/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 951XX	Web
On or about XXXX XXXX , 2017 , Focus Receivables Management r eported to XXXX a false claim that I owed {$500.00} to an unnamed entity. They claimed a fictitious account number of XXXX . I have no outstanding debt ; certainly none in arrears and no account ending in XXXX . I have not received any communication from Focus or any other entity regarding a debt. I believe they are operating in violation of Californ ia Civil Code section 1788 et. seq.
08/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44691	Web	Servicemember
We are getting automated dialer robo calls from Focus Receivables, phone number XXXX asking us to call back. We have gotten calls on our home phone and cell phone. We have no debt and believe the calls are in error. When I called the number back, I was put on hold and after eight minutes I hung up. I strongly object to this waste of time to resolve an issue that could have been dealt with immediately had a live person come on the line when I answered the phone.
05/29/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 960XX	Web
I received continuous calls from Focus Receivables at XXXX. I have asked them time and time again to remove me from their automated calling system and 1 year later I still receive calls. They said I am not the one they are looking for and will remove me from the list and then 2 days later another call or XXXX comes in. Now they just hang up on me before I have a chance to talk to a real person, but they wo n't quit calling. They need to stop harassing people.
06/18/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 90036	Web
A Group called " XXXX XXXX '' reported a debt of XXXX dollars being owed to XXXX XXXX without ever notifying me that there was a debt owed. First, I do not owe this debt, second I was never contacted by the collections agency. I have rights to dispute this charge and they never contacted me to dispute the charge. Under the FDCP I have rights to make any collections agency verify the debt. If they tried to verify the debt they would know that I do not owe it.
04/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28214	Web
I spoke with a representative at Focus Receivables Managment on XXXX XXXX, 2016 and Focus Receivables Managment confirmed they do not have a debt within their system of {$790.00} with XXXX. They also confirmed that they would alert the bureaus to remove this debt, but it is still reporting on my credit report. I am filing a complaint for not attempting to help me with this debt. Due to the fact that it is still reporting on my credit report with XXXX XXXX.
11/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NH 03053	Web
XXXX sent my bill to multiple collection agencies. I paid the XXXX that contacted me, but now XXXX of the other agencies is still reporting the debt as a charge-off or unpaid balance on my credit report. I have submitted a claim to both the reporting agencies and the collection service that is reporting it, and all have basically come back and said that I owe the money anyway, despite having sent the receipt for my payment to the other collection agency.
11/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77091	Web
There is a balance of about {$980.00} on my credit. I For Focus management.. It was not mine.I called the original company which is XXXX XXXX. Gave them the account number they verified uts nit mine. I have deputed with XXXX and XXXX twice.XXXX was the only one to remove it.. They refuse to remove.I have also contacted XXXX XXXX XXXX XXXX Gave them the account number that shows on my credit. Its not mine its my daughters from her previous address.
11/11/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 462XX	Web
Company calls XXXX times a day. Either they dont leave a voicemail or when I answer, they hang up. When I try to call them at XXXX or at XXXX I get put on terminal hold by the auto attendant. The company in question is : Focus Receivables ManagementXXXX XXXX XXXX, XXXX GA XXXXI do not know of ANY account that I have with them and cant find out as they never leave a message or they hang up when I answer. This goes on all day and all evening XXXX times
10/19/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 600XX	Web
This account is undoubtedly recorded as a charged off account. Kindly also produce documentation to ensure all the charges and credits in this claimed account that drove to the quite high credit amount you might have indicating on my credit report. My request to supply this documentation is a standard information demand based on my privileges approved with the fair credit billing act. Please make sure you straight away eliminate this erroneous post.
09/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60618	Web
On a daily basis we continue to receive calls from a company named Focus Receivables at XXXX. When we answer, they either hang up or we have to wait until were transferred and request we 're taken off the list, which they say they will do but do n't. When we do n't answer, a recording goes on that says someone else 's name - it 's mushed and says something like XXXX XXXX or XXXX something, and says a case has been filed against this person for dept.
01/08/2017	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77449	Web
I was a victim of identity theft and noticed a collection from FOCUS RECEIVABLES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against FOCUS RECEIVABLES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
12/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75134	Web
Focus Receivables placed a collection account from XXXX in my credit file. I was never contacted by them by phone or mail and had no know of this account. I have lived at my current address for over 10 years and have not had an account with XXXX. To make matters worse, they the high balance showing at {$110.00} and a total balance of {$530.00}. A little confusing. But nevertheless, I do not owe this bill or XXXX for I never had service with them.
06/30/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92231	Web	Servicemember
I have a collection on my credit report from XXXX XXXX XXXX. I 've never had XXXX. I had this problem with another collection agency and it was taken off. I do n't know if they passed this on to another collection agency or not, because the amount is the same. I 've spoken with this company several times and they could n't give me any info on the debt. The XXXX time I spoke with them back in XXXX they said they would remove it and they have n't
02/02/2017	Yes	Credit reporting	Incorrect information on credit report Account status	MA 01852	Web
I have tried to contact FOCUS RECEIVABLES MANAGEMENT Wed, XX/XX/2017, at XXXX during business hours after seeing they are charging me XXXX $ for a XXXX fee on my credit report. I have called comcast and questioned them about it, since i still have an account opened with them, and they are not aware of such charges. Please do something about this so it leaves my credit report because it is holding me back from rebuilding my credit. Thank you.
02/13/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	SC 29203	Web
There was a claim issued against my State Department of revenue by a debt collection agency for a medical bill that exceeded the statue of limitations in my state of south Carolina. According to SCCLA XXXX it is 3 years. Secondly there was not proper notice of such claim provided to me by this agency or the original debtor which would have afforded me the opportunity to dispute such claims according to SECTION XXXX of South Carolina laws.
06/12/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43551	Web
I have not used XXXX XXXX XXXX in four years. All of my payments for this company are up to date. I have statements for all my payments and never received any calls or mail about missed payments. Then suddenly I am hit with a letter demanding {$150.00} from me saying I owe, I sent a detailed letter with attached statements asking them to prove the debt or remove it. I have not heard back but it is still on my credit report!
11/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 189XX	Web
Focus Receivable Management continues to call our home saying they are a debt collector and we must call them. We do not have any outstanding delinquent debt. I have checked their website and this company appears to be fraudulent. They call us every day. Please do something to make them stop calling innocent people. I 'm sure by the reviews I read that they have used scare tactics and should be reprimanded for their actions.
11/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 305XX	Web
Focus Receivables Management has been calling me every day for the past 8 months. When i answer half the time i get either a rude response and then they hang up, or they just hang up as soon as i answer. No matter what time i have called them back when they leave voicemails it never goes through or always goes to voicemail. I 'm to the point of worry every time the phone rings at this point, It 's harassment at this point.
07/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 280XX	Web
Focus Receivables management continuously calls my number and floods my voicemail with something saying I owe a debt. The only thing in my name is my car which is paid off and taxes are paid every year. I do not owe money to the government so I know it has nothing to do with that. the only thing I could think of was something medical from when I was in high school under my parents insurance which means it is not my problem
06/02/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94591	Web	Servicemember
I keep getting a robo call from Focus Receivables and they want me to call back. I do not owe anyone any money that I have not paid or that I have not resolved any issues with. I am suspicious, because they keep calling me with a recorded call and not a live body asking me to call them back. I have a suspicion that this is just a ploy to get me to call them, so they can obtain information from me. I believe this is a scam.
07/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37643	Web	Servicemember
i had a Bill with XXXX XXXX cable that i paid in full. they sent the account to collection by fault of their own. the company that now has the debt will not update my credit report and the account does show paid in full, but they wo n't remove the collection after stating they would. i have tried multiple times to ask them for a letter of the debt being paid in full but they never return calls or answer their phone.
08/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 02302	Web
Focus Receivables Management has contacted me several times to collect a debt for XXXX. Each time I call back they tell me they are trying to reach someone else and not me. I have asked them to stop contacting me that I do n't have XXXX and have n't in over 7 years. Each time they tell me they have no record of me contacting them back to ask to be removed. Spoke to them again today and was told I would be removed.
06/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89147	Web
I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from XXXX XXXX. I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
12/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NE 68123	Web	Servicemember
Recieved notice from XXXX XXXX, and XXXX, of a said debt added on my credit report in which i was never contacted, by mail, or phone for my right to verify this debt, before adding on each credit report. The company failed to mail, or make any contact, giving due process for this debt to be verified. Also i agreed with this company in which they are collecting for a lesser amount and i closed my account out.
09/28/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	ME 040XX	Web
A robo-call identifying itself as " Focus Receivables Management '' at XXXX calls our landline frequently, urging us to call them back immediately, to find out about a problem we have with an undisclosed company they work for regarding an unpaid/overdue debt. The robo-call never discloses the company pursuing the debt, and we have no directly communication from any company about a debt we are overdue on.
09/09/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 95670	Web
Credit report showed this company had placed my 'account ' in collection status. I was never notified of any letters/documents that pertained to this 'owed amount '. Below is what appeared on my credit report. Collection Accounts Collection Accounts Accounts in collection status FOCUS MGMT Condition : Open Date Opened XXXX Balance {$190.00} Type : unknown Pay Status : Collection/Chargeoff
09/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23321	Web	Servicemember
I just pulled my credit report thru XXXX XXXX and notice there was a collection for {$300.00} to a collection agency by the name of Focus Receivables Management for a XXXX XXXX acct. I`ve never had a XXXX XXXX acct and surely dont owe this company any money. The acct # XXXX XXXX XXXX XXXX, WHATEVER THAT SUPPOSE TO BE. And furthermore I was never notice by this company of any delinquency..
06/03/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 605XX	Web	Servicemember
Focus Receivables Management. This company has been ROBO calling XXXX times per day, every day for XXXX months. The caller is using an " Unknown '' caller ID and also calls from XXXX. There is no person on the line, just a recording telling me to call a different number. I do not wish to receive calls from this company and have asked them to stop as I have retained an attorney.
04/15/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 53172	Web
There is a collection account listed on my credit report and the name of the collection agency is " Focus Receivables '' after reading hundreds of complaints I have determined that this is a scam company waiting for me to call and give them my social security number. I want this to be taken off of my credit report but I know that is n't possible without exposing this as a scam.
07/17/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 422XX	Web
I contacted Focus Receivables Management, the collection agency used by XXXX. The amount of the debt was {$630.00} originally. I was able to settle with Focus Receivables Management for {$500.00}. I paid the settlement and was told the collection would be taken off my credit report. It has not only not been taken off my report, but has also not been updated to a paid status.
07/13/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 49009	Web
We keep getting automated calls from a " debt collection '' company called FOCUS RECEIVABLES MANAGEMENT. They tell us to call a number, which is XXXX, but we do n't bother because we do not owe any debt. We do not want to receive calls from this company. If they are collecting debt, they are not very good at it. If they are not, they are scammers and need to be dealt with.
03/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32205	Web	Servicemember
I was receiving countless calls to XXXX ( my cell phone ) throughout the day and when I answered the person would either hangup or say hello and then hangup. I called back and every time I ask them to send me proof they hangup on me and I can't get through to anyone to resolve it. There is a {$410.00} charge I want removed and I want to be removed from their call list!
06/16/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10990	Web	Older American
A phone call claiming it was for debt recovery but I have no outstanding debts that are unpaid. My credit is excellent, and my FICO score is XXXX ( or was while I was applying for a home eq loan ). I am not a co-signer for anyone else so I want this company to take me off their call list immediately. There is no one that I have any responsibility for regarding debts.
06/11/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93704	Web
This collection agency, FOCUS RM, has placed a debt on my credit report that is not mine. I researched the company. Apparently they are scam artists that place false debts that do not belong, and they have done this to XXXX of people. The debt on my credit report, which has ruined my credit is not mine. I never even used XXXX. Please shut this scam company down!
05/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78753	Web	Servicemember
Debt to XXXX was satisfied when account was closed and all equipment was returned, XXXX 2014. NO further contact from XXXX XXXX, however, 13 months later this " collection '' shows up on on my credit report. NO prior written or phone communication. I have attempted to contact this Debt Collector and can not get any information pertaining to my account from them.
02/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30263	Web
I recently reviewed my credit report which had a new Debt Collection from Focus Receivables Management. It was listed as a XXXX past due balance. Prior to seeing this entry, I have received no communication from Focus Receivables Management. Had I received a letter I could have requested a validation of debt since it was already paid to the original creditor.
02/08/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60643	Web	Servicemember
Last year I cancelled my XXXX and they continued to bill me for months. In addition they would not even except their equipment back for a time. In the summer, bill collectors began calling me, asking for hundreds of dollars. I owe them {$50.00}. They are asking for a {$120.00} and placed me in collections on XX/XX/XXXX. The account was opened XX/XX/XXXX.
05/01/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77043	Web
Account Opened for collections XXXX/XXXX/2015 original creditor XXXX XXXX. Removed and reopened still lingering on my credit report. Account was never opened, no business conducted with XXXX. Spoke to XXXX XXXX and XXXX ( did not provide last name ) who advised to send a letter to below address to dispute collection report/Certified letter to be mailed.
04/12/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	IL 60448	Web
I received a call on my work number from Focus Receivables Management on a file # XXXX. Focus Receivables Management was not authorized to leave any messages or call this number. I did return the call asking who this company was looking for and indicated this was a place of business - they should not be leaving messages or attempting collections here.
11/28/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 61761	Web	Servicemember
Apparently, the company has flagged my account for a collection for an amount of {$18.00}. I have no idea who they are or who I might owe this amount to, because I have not been contacted by anyone about this, as far as I can recall. I contacted the company and left a voicemail with my name and phone number in case they decide to contact me directly.
03/09/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08060	Web	Servicemember
I am receiving calls from the Focus Receivables Management Group. The Calls are automated and only offer a call back number. I 've called them to advise them that I am not the party they are attempting to reach. I 've been informed each time that my number would be removed from their database. They continue to call. The calls are now harassing.
05/06/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 45224	Web
I had a debt with XXXX XXXX XXXX in XX/XX/XXXX and paid it off XX/XX/XXXX. It never showed on my credit report before now after it was pais and this company Focus RECIEVABLES Management IS ON MY CREDIT REPORT SAYING ITS UNPAID. IVE TRIED NUMEROUS TIMES TO GIVE THEM A CALL TO REMOVE IT, PROVIDED PROOF AND IT IS STILL SHOWING ON MY CREDIT REPORT.
06/12/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76016	Web
We are very tired of receiving automated calls from Focus Receivables Management caller ID number XXXX. The recording gives no information as to who the call is addressing or anything about the debt. We have no debts in collections. We make all necessary payments on time. They have the wrong number. Please help me make them stop calling!!!!!!!
07/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 13208	Web
Have a negative debt on one of my credit reports that is not mine. Was never told about it. Never received any mail or phone call. No knowledge of this at all until it appeared on my credit report. One credit agency deleted it. The other one I have disputed it with them twice and they wont correct it its not my debt and I want it fixed.
11/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 61109	Web
Have been receiving harassing phone calls from Focus Receivables Management for past 3 days ; each time I answer the call, the caller 's system hangs up the call. The number they are calling is on the national and state do not call lists. As a result of this, I can not even attempt to validate the debt in accordance with the FDCPA.
10/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	HI 96822	Web	Servicemember
Focus Receivables Management of XXXX, GA has put false negative information in my credit report. They are claiming I set up an account in XXXX 2014 for {$60.00} and then did not pay. They made no contact with me except to provide false information that shows up as Derogatory Information and Collection Accounts on my credit report.
01/29/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AR 72032	Web	Older American
Focus Recievables Management calls my home multiple times a day. When I answer, it is just a recording asking me to call back. I do not owe any debts to any company, so I attempted to call back 4 separate times to ask them to stop calling me. Each time, the line says all representative are busy. Yet, the company calls me nonstop.
04/17/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07090	Web
Repeated calls and voice mail from this number identifying themselves as XXXX Focus Receivables, a debt collection agency and requesting a callback. They provide no reference account numbers or details then ask me to leave information. I do n't owe any debts to anyone and these calls are disrupting my right to quiet enjoyment.
06/25/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19020	Web
I need the automated messages to stop calling me. It 's just a robot telling me to call them back whenever I answer the phone. I have no reason to take this seriously. Please remove me from your call-lists. I do not have an account with you. I do not owe you a debt. I am politely asking you to stop all calls immediently.
03/31/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NH XXXXX	Web
I have been receiving phone calls from this company for about a year at least XXXX or XXXX times a week. They just leave a recording. I do not owe anything to anyone so I have no idea why they keep calling me at all hours of the day. I would like them to stop calling me. Could you please contact them? Thank you so much,
07/30/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92264	Web
These folks keep calling and are asking me to return a call about a debt that I owe however when I attempt to call them I am put into a never ending loop and I get to speak with no one. They have also put something on my credit report that I know nothing about but since I can not speak to anyone I can not get resolution.
08/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 349XX	Web	Servicemember
requested debt validation and was hung up on and threaten to never be able to get a job and live poor. Informed this company I am required by law for debt validation along with proof they are allowed to collect as they have never attempted to contact me before reporting this claim on my credit and they hung up on me.
05/12/2015	No	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	OH 446XX	Web
Focus Financial Management has been calling my place of business " in an attempt to collect a debt '' IT is a robo call they do not have any information, nor have I ever received any communication through the mail. I do not have any unresolved business accounts. They called me this morning XXXX/XXXX/15 at XXXX.
10/18/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 338XX	Web
Already paid in full have a letter and receipts to prove it plus a letter stating they have requested the credit reporting agencies do you have the account referenced above in the letter removed from the credit report the deletion process takes approximately 1 to 5 business days that was back in XXXX 2015
11/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32606	Web
I have an account listed on my credit report from Focus Receivables Management. I did n't receive anything from this company. This account, now almost 6 years old, was settled with original holder - XXXX. I have not received phone calls or mail from Focus Receivables and it is greatly impacting my credit.
05/08/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 27516	Web	Older American
Focus Receivables Management, XXXX, GA XXXX Phone Number XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX This company has reported a false/negative report on my credit report - a XXXX XXXX XXXX bill in the amount of {$57.00}. How do I get this false report off of my credit report? Can you help?
10/05/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91706	Web
There is a debt on my credit report that I do not owe. The collection company is Focus Receivables Management. It states I owe this company XXXX for a XXXX XXXX XXXX account from 2010. I did not have XXXX XXXX XXXX in 2010. I called XXXX they have no records of me having an account in that year.
08/22/2015	Yes	Payday loan	Received a loan I didn't apply for	GA 30080	Web
Someone used my SSN and personal information to apply for a loan to deposit money into a checking account also opened with my information. They emptied the checking account and failed to pay. Now a third party collection agency is calling my personal work phone used for business purposes only.
11/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28150	Web
I recently initiated new telephone service. Ever since then, I have been receiving a continuous stream of harassing phone calls about a debt that clearly belongs to whoever had the number before me. I tried calling the company and explaining their mistake but the phone calls have continued.
11/27/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	IL 60014	Web
My business receives calls from this company multiple times a day. If I decide to pick and actually reach a human ( rather than dead air like 90 % of the time ), I am offered no information, but am informed that the number will be " removed from their list. '' Yet the continue to call.
07/15/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 439XX	Web	Servicemember
Focus Receivables Management keeps calling my cell phone number, when I call I get a person who can not even speak clear XXXX. I tell them I am not receiving letters from them, so obviously I do not owe them any money. They insist I am the person owing money. I have no debts to them.
05/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 322XX	Web
Due to having an incorrect address, XXXX forwarded my account for {$110.00} to a collection agency ( Focus Receivables ) at XXXX. They negatively reported this issue to the credit bureau and I have attempted multiple times to resolve this issue and get it removed from my credit file.
05/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33145	Web
I sent a direct dispute to XXXX and it was removed from my credit file. I also sen t one t o XXXX and was told it was removed but the company keeps adding it back. XXXX gave me your number so that i contact you and let you know that they keep readding the charges.
10/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NJ 08610	Web
Focus Receivables claimed to be my electric company and threatened to shut off my electric if I did not provide my credit card or a check over the phone in the amount of {$1400.00}. XXXX bill is paid up and I believe they are actually working for XXXX. Debt is only XXXX.
09/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	UT 84105	Web
Collection agency is harassing me over the phone. They call repeatedly, and can provide no information about the debt. They just want my personally identifiable information. The same information that can be used for identify theft. Please make them stop calling my phone.
03/25/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 370XX	Web
Repeated " Robo-calls '' with no information other than asking for you to call their XXXX number to collect a debt. They call 1-2 times a day. Caller ID says " Focus RCV MGMT '' Online Search calls the company " Focus Receivables Management '' and this is a common issue.
05/12/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92028	Web
Changing date of debt and falsely reporting as a new debt each year. Two times they were asked to remove negative information on my credit due to original debt being over seven years old. Both times they changed the dates of the debt to claim it was still current.
06/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35023	Web
XXXX XXXX XXXX has reported a collection account on my credit on behalf of XXXX ; I do not have an account or has never had an account with XXXX. This issue was addressed with XXXX and I was reassured this issue was resolved that this account do not belong to me.
04/18/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA XXXXX	Web	Older American, Servicemember
I have been receive d 4 call s so far from Focus Receivables Management XXXX XXXX XXXX . Twice I tried to return their call all I got was person not in or person is on the phone. To day I left a message Do Not Call send me a letter with all the details.
12/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78253	Web
Focus Receivables Management has a collection against me supposedly from XXXX XXXX XXXX. I have not used XXXX XXXX in 5-6 years and left them all paid up. No one has left a message, sent a letter or emailed me. I happened to see this when applying for a loan.
03/30/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 490XX	Web
I received a call from XXXX saying they were a debt collector and I needed to call them. The call was to my business line and we do not borrow money. I called them back and they claim to have removed my number, but why would they call me in the XXXX place?
06/15/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48220	Web	Servicemember
I am receiving calls from Focus Receivables Management claiming claiming "this is an attempt to collect a debt", when I called, the XXXX question I asked is "Is this a debt collection agency" they hung up immediately, the return call number is XXXX
11/02/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80022	Web
I was on my credit report and seen a collection from them for {$140.00} says it was opened XXXX 2017 thing is i never received anything in the mail or anything about this debt and i am not sure what it is a bout amd want ir removed from my credit.
10/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11206	Web
Focus XXXX XXXX opened an XXXX XXXX Account XXXX XXXX XXXX about 6 months ago. They claim that I owe them {$230.00} dollars when I dont have XXXX XXXX cable. I lost my wallet the previous year and I believe that it might just be identity fraud.
06/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TX 759XX	Web
Focus receivable called me about 10 times and said I would be served legal papers at work and would make sure everyone at work knows. They also said they have a warrant for my arrest! They said I was guaranteed to do 10 years in prison.
10/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 297XX	Web
Disputed several time to credit bureaus of account was a result of identity theft and provided a police report. I also contacted the collection agency to notify them of the inaccuracy of this account and received no response or help.
08/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28376	Web	Older American
put a collection on my credit report.. I do not owe this debt. I live in XXXX Carolina and this is supposedly from California. I reported the identity theft to the credit agencies. these XXXX 's will not remove this from my credit.
07/27/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33617	Web
Focus receivables management has no right to contact me or my business. I have no debt and they are phishing for personal information they are not allowed to ask for. Social security number. Date of birth. Mothers maiden name.
07/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33647	Web	Older American
I owned XXXX a payment from when we moved. I paid XXXX on XX/XX/XXXX Just received ( XX/XX/XXXX ) a call at work about this paid debt. They stated it was not paid. To top it off, this debt is under my Wife 's name ' not mine.
11/08/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	PA 18018	Web
I requested a debt validation letter to validate a debt from the original creditor from a company called Focus Receivables. The agency informed me that it does not fall within my right under FCRA laws to request XXXX.
11/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 328XX	Web
I am being taken to collections for a service I never requested. I never received a bill, a late payment, any notifications of anything due, nor did i ever receive a phone call or notice of payment from the collector.
03/01/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30305	Web
I receive calls from Focus Receivables Management on a daily basis attempting to collect a debt that is owed by another person, one I have never had a relationship with. The automated message asks me to call at XXXX.
04/12/2015	No	Consumer Loan Installment loan	Managing the loan or lease	CA 92126	Web	Servicemember
I have never had an account with the XXXX cable that my debt originated from. They sent my case to Focus RM collections, and I ca n't get a hold of anyone to resolve the issue! I 'm so frustrated and confused.
09/16/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	CA 92692	Web	Servicemember
A robocall from Focus Receivables Management asked me to call them but offered no other information. There is nothing I know of that I owe and I will not call anyone without them giving me real information.
03/31/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX XXXXX	Web
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
12/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 376XX	Web	Servicemember
Focus Receivables Management calls every day and often more than once. I have asked them several times to please send me proof of the original debt, they deny this being available and continue to call.
07/10/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07410	Web
For the last few weeks I have been receiving calls from the Focus Receivables regarding 'a debt '. None of the calls ( always an automated recording ) provide any details. I 'm not aware of any debts.
06/27/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98007	Web
I got a call from the number XXXX saying "this is an attempt to collect a debt on my name from Focus Receivables Management" and that I should call back at that number. I know I do not owe any debt.
11/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90249	Web
XXXX XXXX XXXX keeps trying to collect a debt for an account of which I have no knowledge of.I have never lived at the address where they claim services were provided nor do I know anyone who has.
02/02/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 990XX	Web
_Focus receivables management calls twice a day about a debt. We have no debts with perfect credit, I read about this company and the Gov. should close their doors. They prey on the defenceless.
08/03/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 43614	Web
I had a balance with XXXX XXXX and paid it but Focus receivables management continues to call and does not remove the item off my credit report and it is causing a negative mark on my report.
10/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91915	Web
I paid the original creditor in full. I tried calling the debt collection agency and no one ever calls back. Its still reporting on my report that it is open by this debt collection agency.
01/04/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60445	Web
FOCUS FAILED TO FURNISH 30 DAY NOTICE, VALIDATION AND WENT ON CREDIT REPORT ANYWAY. IGNORED CEASE AND DESIST AND AND DO N'T CALL ORDERS CALLED MY FAMINLT 11 TIMES ON CELL ( GOT PROOF ).
01/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 900XX	Web
I do not have any debt from XXXX XXXX XXXX company and am not even a customer, but somehow some debt collect companies kept attempts to collect debt and report to XXXX credit bureau.
06/10/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 945XX	Web
I get robocalls on my mobile phone from Focus Receivables Management claiming I owe a debt that I don't owe. They call from different numbers. The most recent are: XXXX and XXXX.
08/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 331XX	Web
Called 10 times asking for information about the collection they will not response.. the put a collection in my credit report is not my they are saying I have to pay
11/10/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 372XX	Web
A company called " Focus Receivables '' calls our office twice a day, every day. No one responds but looking them up online, they are a fake debt collection agency.
06/23/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20878	Web	Servicemember
Frequent calls from Focused Receivables Management LLC, XXXX. Lots of harassing calls and messages with no information on what and who I owe, of which I do n't.
07/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28027	Web
my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed
07/23/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NC 27707	Web
Focus Receivables continues to make multiple robocalls each week to our home number for a debt that doesn't exist. We have no unpaid debts with any company.
04/20/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 303XX	Web	Older American
Calls coming about every other day. Sometimes no XXXX answers, other times tape says something about student loan debt. I never had a student loan.
11/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60013	Web	Older American, Servicemember
called left message even though I answered. Stated it was a debt collection and I must call them back. No one at our number has any unpaid debts!
05/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10456	Web
Focus Receivables Management calls my home everyday of the week with a Recording stating they are trying to collect a debt. I do not owe a debt.
12/15/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95476	Web
They keep calling and telling me that they are attempting to collect a debt. My credit is perfect and I do not owe any outstanding bills.
06/01/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11355	Web
They keep calling me everyday even weekends and leaving me messages to call them back. Call them back they have automated systems
10/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 359XX	Web
Focus Receivables keeps calling me and my wife. We owe nobody and I will not give Focus Receivable one dime, even if I did.
09/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 089XX	Web
I keep getting calls on my business phone from Focus Receivables. My business has absolutely no outstanding debt!
06/29/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	IL 60445	Web
FOCUS HAS VIOLATED THE T.C.P.A. CALL MY NUMBERS AT ( XXXX ) XXXX IN VIOLATION OF FDCPA! HAVE PHONE RECORDS ...
04/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44236	Web
Focus Receivables Management keeps calling my home phone. I have no delinquent debt to be collected.
06/05/2015	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	CT 069XX	Web
I receive multiple phone calls from Focus Receivables Management daily, but I do not owe any debts.
04/19/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 349XX	Web
Request to stop the calls and they keep calling during work hours and at night when sleeping
02/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 711XX	Web	Older American
I am receiving calls from Focus Receivables Management about a debt that I do n't owe.
08/07/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 21701	Web
constant calling about a debt that 's not identified whether by mail or phone call
04/22/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77449	Web
I have never actually talked to anyone but they constantly call over and over!
04/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11211	Web
they put on my credit report that I owe {$600.00} for an account I never had
05/14/2015	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	UT 84119	Web
I do not owe this place a dime its a scam do not call me again
05/23/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 349XX	Web
Calls all times and leave messages to call back for a debt
03/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91324	Web
my personal information was used without my consent
09/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32810	Web
Placed debt on my credit, does not belong to you.
08/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 45601	Web
I paid this debt off but it still showing up.
02/25/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32757	Web	Servicemember
Number calls me multiple times a day
02/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	CA 92234	Web	Servicemember
Have no way to call and settle debt
11/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 27288	Web
This debt was paid direct to XXXX
05/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 409XX	Web
Debt was my father debt been paid
05/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91761	Web
Never had services with XXXX.
08/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35023	Web

07/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77477	Web

01/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93003	Web

11/29/2018	No	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	NC 28031	Web

05/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AR 72364	Web

05/04/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91604	Web

04/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85331	Web

03/30/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt		Phone	Servicemember

03/25/2018	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	TX 75232	Web	Servicemember

03/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46229	Web

03/07/2018	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	MI 48357	Web

02/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53216	Web

01/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02066	Web

10/23/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02780	Web

09/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92551	Web

09/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28210	Web	Servicemember

08/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29229	Web	Servicemember

07/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 20171	Web

07/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92374	Web

07/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60436	Web

06/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20746	Postal mail

06/15/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MS 39426	Web

06/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90005	Web

05/19/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92563	Web

05/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76123	Postal mail

05/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29405	Postal mail

04/27/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WI 54016	Web

04/27/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33417	Web

04/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76112	Web

04/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NV 89139	Web

04/07/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60714	Web

04/04/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 30135	Postal mail	Older American

04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AR 71953	Web	Older American, Servicemember

03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34787	Web

03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48331	Postal mail

03/14/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10010	Referral

03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92563	Web

03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NV 89801	Phone

02/28/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33062	Referral

02/09/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 99022	Phone	Older American

02/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	HI 96727	Web

02/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90059	Web

02/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76692	Postal mail	Older American

01/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	LA 71202	Phone

01/13/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95608	Web

01/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32219	Web

01/01/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22191	Web	Older American

12/09/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 78852	Postal mail

12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95207	Referral

12/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90016	Web

10/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL 33034	Postal mail

10/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	DE 19956	Web

10/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MI 48237	Web

10/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20018	Postal mail

09/08/2016	No	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	WV 26570	Web

08/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	VA 23455	Web

08/17/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MD 20720	Web

08/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	AZ 85295	Web

08/09/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89147	Web

07/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MS 38632	Web

07/18/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NH 03053	Phone	Older American

07/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 14850	Web	Servicemember

07/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11364	Web

06/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92683	Web	Servicemember

05/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 10304	Web

05/02/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 64468	Phone	Older American

04/18/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78542	Phone

04/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20904	Web

04/05/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 76244	Web

04/04/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	TX 78252	Web

03/29/2016	No	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	NJ 07075	Web	Older American

03/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10010	Referral

03/07/2016	No	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 92844	Web	Older American

02/24/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	MD 20707	Web

02/22/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48326	Web

02/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 12577	Phone

02/20/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 08046	Web

02/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92582	Web

02/16/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90249	Web	Older American, Servicemember

02/15/2016	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	MA 01535	Web

02/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92131	Web	Servicemember

02/03/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 02189	Web

01/27/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	KY 40511	Web

01/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 06520	Web

01/15/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11557	Web

01/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48823	Web

01/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75011	Postal mail

01/07/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KY 41537	Web

01/05/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28805	Phone	Older American

12/31/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 36477	Web	Older American

12/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 02468	Web	Older American

12/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NE 68025	Web	Servicemember

12/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76210	Web

11/24/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 95380	Web

11/23/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60445	Web

11/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 14201	Web

11/13/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 01886	Web

11/12/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	RI 02888	Web

11/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92346	Phone	Older American

11/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11367	Referral

11/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91306	Web

10/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10301	Phone	Older American, Servicemember

10/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 02453	Web

10/09/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 27522	Web

10/02/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 22407	Web	Servicemember

10/02/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37211	Web

09/30/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80202	Web

09/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 01906	Web

09/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27284	Web

09/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92692	Web	Servicemember

09/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 36609	Web

09/16/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	MA 01760	Web

09/02/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	RI 02906	Web

09/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 14845	Web

08/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	WI 53206	Web

08/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 45238	Web

08/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32216	Web	Servicemember

08/24/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 12159	Phone	Older American, Servicemember

08/21/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 12159	Phone	Older American, Servicemember

08/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38133	Web

08/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90814	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	AZ 85296	Web

08/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80033	Web	Servicemember

07/31/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30339	Web

07/24/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92346	Web

07/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32707	Web

07/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32615	Web

07/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10940	Web

07/15/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KY 40177	Web	Servicemember

07/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MD 21214	Web	Servicemember

07/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30341	Web

07/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NH 03103	Web

07/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37015	Web

07/01/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KY 40291	Web

06/30/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97330	Web

06/28/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90002	Web

06/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 79928	Web	Servicemember

06/26/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78701	Web

06/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KY 40372	Web

06/16/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 32746	Web

06/16/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80124	Web

06/16/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60189	Web

06/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KY 40741	Web

06/13/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19027	Web	Older American

06/12/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 45150	Web

06/12/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 54911	Web

06/01/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33952	Web

06/01/2015	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 23236	Web

05/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 11229	Web

05/28/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	CA 90230	Phone	Older American

05/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90803	Web

05/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 79925	Web	Servicemember

05/26/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 16301	Web

05/25/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	MO 64127	Web

05/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10001	Web

05/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 93611	Web

05/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	KY 40204	Web

05/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 13071	Web

05/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 43311	Web

05/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91105	Web

05/14/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 46220	Web

05/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IN 46240	Postal mail

05/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 61115	Web

04/30/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	TX 78613	Web

04/27/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80015	Web

04/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97024	Web

04/23/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75208	Web

04/20/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NC 27617	Web

04/20/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80456	Web

04/17/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 31605	Web

04/16/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 12783	Web

04/14/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 46123	Web	Servicemember

04/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77015	Web

04/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11103	Web

04/10/2015	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	DC 20006	Web

04/02/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 24202	Web

03/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NE 68506	Web

03/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92150	Web

03/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 53120	Web

03/25/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 12928	Web

03/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91387	Web

03/20/2015	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	CA 91767	Referral

03/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10028	Referral

03/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	KS 66618	Web

03/16/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92805	Phone

03/12/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	IN 46360	Web

03/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20747	Web

03/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 45223	Web

03/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77088	Web

02/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91745	Phone

02/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 33437	Web

02/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 14903	Web

02/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28269	Web

02/22/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 45237	Web

02/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CT 06106	Web

02/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 20187	Web	Servicemember

02/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 13208	Web	Older American

02/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	ID 83705	Web

02/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 33193	Web

02/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MI 48091	Web

02/10/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 73115	Web

02/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 10970	Web	Older American

02/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92345	Web

02/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 02053	Web

02/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44135	Web

01/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91344	Web

01/23/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30022	Web

01/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 14425	Web	Older American

01/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 13815	Web

01/14/2015	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	IL 60527	Web

01/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60445	Web

01/06/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80910	Web	Servicemember

01/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32940	Web	Older American, Servicemember

01/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80302	Web

01/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NY 11801	Postal mail

12/30/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78733	Phone	Older American

12/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11357	Web

12/22/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33433	Referral

12/20/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 77096	Web

12/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 02109	Web

12/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85024	Web

12/18/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29223	Web

12/13/2014	Yes	Debt collection I do not know	False statements or representation Indicated shouldn't respond to lawsuit	TX 78207	Web

12/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TN 39921	Web

12/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76018	Web

11/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07040	Web

11/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30326	Web

11/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 02351	Web

11/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 93225	Web

11/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 61111	Web

11/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22203	Web

10/29/2014	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 14201	Web

10/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75071	Web

10/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92841	Web

10/23/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 90063	Web

10/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 61821	Web

10/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AR 72653	Web	Older American

10/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75156	Web

10/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 02360	Web

09/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75137	Web	Servicemember

09/26/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	NY 11231	Web

09/25/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AZ 85295	Web

09/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 54913	Web	Servicemember

09/17/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	VA 22554	Web

09/15/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 12159	Web	Older American

09/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 38106	Web

09/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90291	Web

08/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CO 80501	Web

08/26/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33647	Web	Older American

08/22/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30096	Web

08/13/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TN 37996	Web

08/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08886	Web

08/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90804	Web

07/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91505	Web

07/18/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85718	Web	Older American

07/15/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92111	Web

07/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34744	Referral

07/09/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 01581	Web

07/02/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78245	Web

07/01/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78245	Web

06/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AL 36608	Web

06/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90740	Web

05/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77049	Fax

05/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38111	Web

05/16/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MN 56367	Web

05/15/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TN 37421	Web

05/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95337	Postal mail

04/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MI 48084	Phone	Older American

04/14/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IA 52501	Web

04/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11230	Web

04/01/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	VA 22712	Web

03/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20876	Web

03/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11755	Web	Older American

03/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	NJ 07621	Web	Servicemember

03/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90032	Web

03/16/2014	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	FL 33914	Web

03/12/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 27613	Phone	Older American, Servicemember

03/06/2014	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	CA 92407	Web

02/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine		Phone

02/24/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 35214	Web	Servicemember

02/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 95051	Referral

02/21/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TN 37854	Postal mail	Older American

02/14/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20703	Web

02/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MA 02139	Postal mail

02/12/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 24590	Postal mail

02/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TN 37221	Web

01/31/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 93611	Web

01/21/2014	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	NC 28027	Phone

01/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 86002	Web

01/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85739	Web

01/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76107	Web

01/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AZ 85283	Web

01/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	GA 30144	Web

01/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30075	Web

01/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 60619	Web

12/26/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NH 03858	Phone	Older American, Servicemember

12/26/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11967	Referral

12/14/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92201	Phone

12/11/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	MI 48503	Web

12/03/2013	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TN 38122	Phone

12/03/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60624	Web

11/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33442	Web

11/25/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NM 87507	Web

11/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21202	Web

11/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AR 72210	Web	Servicemember

11/12/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60644	Web	Older American, Servicemember

11/04/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48732	Web

10/14/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22201	Web

09/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 91209	Web

09/17/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77840	Web	Older American, Servicemember

09/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	ID 83858	Web

07/18/2013	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	MI 48210	Phone	Older American, Servicemember