| 03/05/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am disputing an erroneous debt collection letter from Forest Recovery Services, LLC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( see enclosed ) in the amount of {$1600.00} on behalf of XXXX XXXX XXXX XXXX, a fraudulent company that is not licensed and has been sanctioned and ordered to cease and desist operations in numerous states due to fraudulent, illegal, unfair and deceptive consumer practices.
XXXX XXXX, XXXX issued a fraudulent, illegal contract for the cremation service of my mom on XX/XX/XXXX, based on the deliberately deceptive pretense that they were a family-owned and operated, licensed funeral home and cremation provider '' in New Jersey.
On its website, XXXX, XXXX XXXX, XXXX, represents itself to be locally owned, operated and licensed nationwide in all states. Owned and operated by XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX, XXXX is in fact not licensed in any state, nor is it an actual funeral home or cremation provider, but is instead a web-based marketing company that targets grieving families who have just lost a loved one in a nationwide scam that covertly subcontracts cremation services to a local funeral home. Essentially, XXXX XXXX XXXX, XXXX acts as a body broker.
As such, I was defrauded by XXXX XXXX, XXXX, and will be filing complaints with the Federal Trade Commission and the New York and New Jersey Attorneys General accordingly.
Cited below is a sample of various state actions taken against XXXX XXXX, XXXX, with relevant supported documentation enclosed in this complaint.
In COLORADO : See enclosed documents.
On XX/XX/XXXX, the Office of Funeral Home and Crematory Registration of the State of Colorado ordered a summary suspension against XXXX XXXX XXXX, XXXX dba XXXX XXXX XXXX and XXXX XXXX, Appointed Designee, also known as XXXX XXXX XXXX, and XXXX XXXX XXXX.
XXXX XXXX XXXX, XXXX is owned and operated by XXXX XXXX and XXXX XXXX XXXX, also known as XXXX XXXX. The address of record for XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO, XXXX which is a virtual office. Respondents do not reside within the state of Colorado.
Respondents are in the business of providing funeral goods or services to the public through their website XXXX. Respondents do not have appropriate equipment or personnel to provide funeral goods or services it contracts from its registered business address in XXXX XXXX, Colorado, as it is a virtual address.
Respondent advertises that it is a licensed cremation provider and cremations are performed by licensed funeral directors. Respondent is not a Colorado crematory and does employ licensed funeral directors who are able to perform cremations in the state of Colorado.
Respondent is using the advertising and/or its Colorado registration to conduct unlicensed funeral practice in several states including, but not limited to : Florida, Massachusetts, Tennessee, Alabama, Arkansas, Georgia, Virginia, California, Texas, and Wisconsin. A number of these states have either issued Cease & Desist orders or Advisory Notices to its consumers. Several others are conducting investigations. Approximately 30 complaints have been registered with the Federal Trade Commission.
The Director found objective and reasonable grounds to believe that the public health, safety, or welfare required emergency action and/or the Respondent was guilty of multiple violations of the Mortuary Science Code, codified at Article 54, Title, C.R.S.
Effective XX/XX/XXXX at XXXX XXXX, the registration to practice as a funeral establishment in the state of Colorado of XXXX XXXX XXXX, XXXX was summarily suspended pursuant to section 24-4-104 ( 4 ), C.R.S., pending proceedings to determine whether the Respondent 's registration to practice as a funeral establishment should be further disciplined in accordance with section 12-54-401, C.R.S.
On XX/XX/XXXX in a Final Agency Order, the State of Colorado ordered XXXX XXXX XXXX, XXXX to immediately Cease & Desist and refrain from any further acts for which a registration to practice as a funeral establishment by the laws of the state of Colorado.
In FLORIDA : See enclosed documents.
On XX/XX/XXXX an immediate final order was filed on XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX. ) XXXX, and XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX conducted funeral-related services in the state of Florida without possessing a valid Florida license. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX and/or Legacy provided false and fraudulent documentation purporting to imply that XXXX was licensed and authorized in Florida to receive and handle human remains for cremation.
Pursuant to Florida Statutes an unlicensed person shall be presumed to be an irreparable harm to the public health, safety, and welfare. Funeral establishment directors and embalmers are called upon to provide their services to citizens at a time when the citizens are most vulnerable, immediately following the death of a loved one.
It was ordered that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, and XXXX XXXX are prohibited from and shall cease and desist immediately from selling or offering to sell funeral services, including direct disposition, on an at-need basis in Florida. From planning or arranging the details of any funeral service, including direct disposition, with the family or any friends of the decedent or any other person responsible for the service in Florida. From making, negotiating, or completing the financial arrangements for a funeral service, including direct disposition, on an at-need basis in Florida. From any use of any word, term, title, or picture that would imply that it engaged in the practice of funeral directing, including direct disposition, or that it is holding itself out to the public as being engaged in the practice of a funeral establishment, including direct disposition in Florida. From, engaging in any financial dealings with funeral home customers that involve the collection of monies or the determination of funeral expenses, including direct disposition expenses in Florida. Finally, from holding themselves out to the people of this state through an internet web site to be licensed funeral establishments and licensed direct disposition.
In GEORGIA : For a copy of the full Assurance of Voluntary Compliance contact : The Superior Court of XXXX County, Georgia, Reference : Civil Action File : XXXX On XX/XX/XXXX, XXXX XXXX XXXX, XXXX dba XXXX XXXX XXXX, XXXX, XXXX XXXX ( Owner ), and XXXX XXXX XXXX ( Manager/Operator ), individually, entered an Assurance of Voluntary Compliance ( AVC ) with the Attorney General of the State of Georgia pursuant to O.C.G.A. Sections 10-1-390 et seq., of the Fair Business Practices Act ( FBPA ). This is the Final Action.
XXXX and XXXX, Respondents XXXX XXXX ( Owner ) and XXXX XXXX XXXX ( Manager/Operator ) are now and have been for a period engaged in consumer or consumer acts or practices in the conduct of trade or commerce in part or wholly within the state of Georgia. XXXX XXXX XXXX and its dba XXXX XXXX XXXX are registered with the Colorado Secretary of State in good standing.
The Attorney General contends that Respondents, XXXX XXXX and XXXX XXXX XXXX have used unfair or deceptive acts or practices in conduct of consumer transactions and consumer acts or practices in trade or commerce.
According to the Voluntary Compliance ( AVC ), Respondents shall immediately cease and refrain from engaging in any business practices with respect to consumers including but not limited to practicing funeral directing, that requires licensing by the Georgia Board of Funeral Services as set force in O.C.G.A. 43-18-1 et seq. unless or until they obtain the required licensing. Respondents must also comply with all disclosure requirements set forth in the Funeral Rule ( a statute under the Federal Trade Commission Act ), specifically 16 C.F.R. 453.2 requiring complete and accurate 1 ) disclosures to consumers who ask by telephone about their offerings and prices, 2 ) disclosures in the required general price list, and 3 ) disclosures in the required statement of funeral goods and services selected, with respect to pricing disclosures and " cash advance '' items.
In addition to the Assurance of Voluntary Compliance, Respondents XXXX XXXX and XXXX XXXX XXXX agreed to notify CPU in writing of any change in the name of XXXX or XXXX, including the use of any alias or fictitious names within thirty ( 30 ) days of the change in name or use of an alias or fictitious name. For a period of two ( 2 ) years they will notify CPU of their involvement with any other business offering funeral and/or cremation services to consumers.
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| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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FOREST RECOVERY contacted me attempting to collecting on a debt that I have never contracted or agreed to pay them. The rep stated I owed them the debt even tho I had not contracted to pay them because they purchased the debt from another company. I told the rep I would not be paying on a debt that doesn't belong to me and I think he/she may be calling the wrong person. I also told that rep I would be sending in a debt validation letter to validate this debt. The rep continued to call me everyday for the next couple weeks, leaving threats on my voicemail. They began to contact me by mail shortly after the first call I had with that rep. After them harassing me for this debt they started to report negative and defaming information on my consumers report about this account.Upon checking this account I noticed FOREST RECOVERY reported multiple inaccuracies on this account to the three main credit reporting agencies. I immediately thought to myself this account was not handled with accuracy or integrity due to the number of inaccuracies within this account. When I noticed the account on my consumers report I sent FOREST RECOVERY a debt validation letter which I have attached to this complaint. FOREST RECOVERY never responded to the letter. Since they have never responded to the letter or supplied me with sufficient information in order to validate this debt, I know the debt is a mistake and not mines. I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information.
12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Due to the number of inaccuracies within this account which I have highlighted in the image below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity.As you can see For account XXXX there is inaccurate account numbers, date opened, balance, high credit, last reported, and date last active reporting to the three credit reporting agencies.Please remove this account from my consumers report. Due to the inaccuracies of this account reporting to three credit reporting agencies incorrect information I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety.
FOREST RECOVERY : XXXX
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| 11/27/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX {$120.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious Forest Recovery Service {$120.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
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| 01/05/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a letter dated XX/XX/XXXX from Forest Recovery Services, LLC, that I owed {$20000.00} to XXXX XXXX XXXX and that I had 30 days to dispute the validity of the debt before the debt was assumed " valid ''. I immediately asked for validation ( sent certified mail ) and on that same exact day XX/XX/XXXX, I was notified by XXXX that the negative data had been entered onto my credit file. I then disputed the account with XXXX asking them for validation and they quickly validated the account. On XX/XX/XXXX I received a questionable " Account Transaction History '' printout, a lease and a " Move Out Calculation '' report. This was not substantial evidence proving that I made such debt. I then sent a certified letter to Forest Recovery Services, LLC, requesting further investigation. I also sent a certified letter to XXXX making them aware and they continue to report the debt, without proper validation. What proof was submitted, because the proof I received does not conclude I made those charges. If you take a look at their evidence, it is inconclusive. Yes, that is my name and yes I did once reside at that said address but nothing was submitted proving the charges were made by me. No receipt nor invoice, a certified letter or email to me nor checklist provided. Taking a look at the " Move out Calculations " printout, it states that I " vacated '' this unit on XX/XX/XXXX but if you look at the lease, written note states " XX/XX/XXXX Keys on counter. '' If XX/XX/XXXX is when they assessed the charges, other tenants or vandalism could have occurred to cause such charges as XX/XX/XXXX is 5 months after XX/XX/XXXX.
Forest Recovery could not provide any substantial information suggesting this debt of over {$20000.00} is mine therefore this account should not be reporting on my credit file.
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| 05/04/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XXXX of XXXX I had about XXXX missing shingles on my roof from a storm and I went to XXXX XXXX XXXX for a roof replacement. They told me how much it would cost and I received money from my house insurance because the damage was partially covered. The amount I received from the insurance was not enough to cover the full costs so XXXX XXXX XXXX recommended me to XXXX XXXX and I took out a loan with them to pay for the remaining balance. In XXXX I refinanced my house and payed off the remainder of the loan that I had with XXXX XXXX. An employee of XXXX XXXX XXXX and called me and told me to call my insurance to see if I could get more money from them and pay them the insurance money. I told him that I already paid him in full and that I was uncomfortable with that. He told me he would tell me what to say and the insurance will pay them. I contacted my lawyer and told him not to contact me again. On XX/XX/XXXX XXXX XXXX XXXX sent me to collections with Forest Recovery Services for the amount of {$1700.00}. I do not owe them any money as I payed them the full amount in XXXX with both the insurance money and the loan. I have also received a fraudulent letter in the mail soliciting money that was unmarked but I believe it is from them.
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| 04/07/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I went to visit XXXX XXXX XXXX on XX/XX/2021. I had dental insurance by XXXX XXXX and I checked with them and my insurance would have pay the doctor if she called them. The insurance says nobody from her office contacted them XXXX XXXX 's office office was inadequate to contact my dental insurance and they sent my bill to collection without even sending me a bill ). So far, two errors by her office : 1. lack of knowledge to contact insurance, 2. sending a bill to insurance without sending me any notifications or calls.
XXXX XXXX had a broken shoulder and was out of job, and the collection did not provide me a way to contact her. The numbers they gave me were wrong, until I found XXXX XXXX 's new office. I talked with the office manager 3 days ago but they have not replied back to me. I can send you the email thread of my email sent to " XXXX '' in which I ask them to call the insurance, even jointly with me, but they did not reply. I had contacted XXXX XXXX 's email at " XXXX '' so I can direct them about the insurance, but she did not reply. I am very tired of this whole process, and I am an American supported by ADA act of congress. The amount of emotional pressure they have put on me is tremendous.
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| 04/07/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I submitted a complaint to the CFPB on XX/XX/XXXX against Forest Recovery Services, LLC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX.
On XX/XX/XXXX, the resolution was submitted as follows : Company 's Response : " We will close this account '' DESCRIPTION OF NON-MONETARY RELIEF : " We will cease and desisit '' ( sp ) Forest Recovery Services, LLC, is NOT honoring their stated resolution. They have not closed this account, nor have they ceased or desisted. They are calling my telephone and sending me more harassing debt notices. Please see attached files.
Instead of doing what they stated they would do in response to my complaint, which is cease and desist, close the account, they are actively engaging in complicit behavior with their client, XXXX XXXX, who is running a nationwide fraudulent body broker scheme that targets grieving families who have just lost a loved one.
I am now forced to include Forest Recovery Services, LLC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX in my complaint to the NY Attorney General about XXXX XXXX an illegal company that has been operating fraudulently in all 50 states and has been legally sanctioned by numerous attorneys general.
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| 02/15/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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I had an appointment with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for a sleep study. They told me the co-pay was {$35.00} and i paid for it on my CC. Months latter they billed me for {$160.00} additional co-pay. I called and they lied that my insurance company gave them the wrong co-pay. My insurance company says they did not make an inquiry about the co-pay. I think they drum up business by lying about the co-pay in hopes they can use the term " uncovered services '' threaten collection. If they had told me the co-pay was {$200.00} I would not have done the sleep study. I have disputed the debt on my credit bureaus twice and they keep validating it. The charge is not for " an uncovered service '' they I am obligated to pay. It is for an item I paid when the service was delivered that they mis-quoted the co-pay amount. It is not for another service that was not covered. The collection agency they are using is Forestrecvy and they opened the case with the credit bureaus on XX/XX/XXXX a year since the last transaction between us has occurred.
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| 07/15/2020 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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To Whom It May Concern : I, XXXX XXXX, am disputing an account that was added to my credit report. under the name of ; FOREST RECOVERY SERVICES. Account Number XXXX DATE opened XX/XX/XXXX. I am unfairly being penalized for a service I received in an emergency room, at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. My insurance covered all my service. My balance when I was discharge at the hospital was {$0.00}. I am a XXXX low-income woman who is insured by NY XXXX and XXXX. I became aware of this account because I received an alert from my credit monitor. I immediately contacted the hospital and was told my balance was {$0.00}. I strongly believe this is an injustice towards me. I have the patient account statement documents to prove my service was covered by my insurance. At no time the doctor informed me I will be charged additionally. I had job offers and opportunities refused because of this negligence. The outcome of this wrongdoing has caused me emotional distress. Please help me seek justice.
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| 10/22/2023 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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FOREST RECOVERY SERVIC Account : FRSXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
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| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
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| 11/07/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER.
This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.
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| 02/11/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX, I contacted XXXX regarding an unrecognized account on my credit report from FOREST RECOVERY SERVICES. XXXX responded back to the dispute indicated they were able to verify the debt however Forest Recovery has never sent me any notifications under the Fair Debt Collection Practices Act ( FDCPA ) that I owe any debt nor did the status of the dispute update. It still a status date of XXXX which means XXXX never investigated and never provided any documentation with my signature on it to legally verify this debt is mines either. THIS IS A CLEAR VIOLATION OF FCRA.
I did some research and learned the the XXXX XXXX XXXX XXXX died in XXXX. So they are attempting to collect on an account from a deceased doctor and that I have never did business with.
THIS DEBT IS NOT MINES.
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| 12/03/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I recently reviewed my credit report after being release from prison and found that I have been a victim of id theft. I have a collection from FOREST RECOVERY SERVICE, Original creditor : XXXX XXXX that is not my debt and I never was notified that I owed a debt. The negative collections are hindering my ability to acquire a place to live. Below is a copy of the collection.
count Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$600.00} {$600.00} Payment Info Original balance {$600.00} Balance {$600.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/XXXX Additional info Comments
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| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/2020 I made contact with Forest Recovery LLC, about a debt that says I owe them {$3300.00}. In my letter I ask them to validate the debt they are saying I owe them and they couldn't. Ive given them enough time to respond and I am at the point where I'm about to take legal action against them for misuse of credit reporting as well as, a violation of the 4th amendment, violation of HIPPA. According to FCRA you are not to report a debt unless it has been validated and they could not validate them debt being reported on my account. I am giving 15 days to remove this invalidated debt from my credit report or I will file charges against them per my rights
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| 12/16/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I paid a debt with XXXX XXXX XXXX XXXX in 2018 in the amount of {$220.00}. XXXX XXXX XXXX XXXX verified and sent verification of payment to all 3 bureau 's. XXXX and XXXX honored my dispute. When I went to XXXX to dispute the report, XXXX denied my request on more then 4 different disputes. In fact they replied that the report was in fact my debt. They did not verify or investigate my payment which is paid in full. I also was denied other credit opportunities because of a wrongful accusation. Please reach out to XXXX XXXX XXXX or contact me for any more details I would really appreciate your help. Thank you
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| 06/15/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was unaware of an attempt to collect a debt until I was notified by the reporting credit bureau of such back around XX/XX/2023. I notified this Forest Recovery Servies LLC in writing on XX/XX/2023, and XXXX XXXX responded to my concern as you can read in the attachment. However, I never heard back from this XXXX XXXX nor 'did I from XXXX XXXX. I have attached the documents sent to the reporting credit bureau to remove the account and update their reporting. I have also attached the documents of communicating back and forth with Forest Recovery Services
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| 03/12/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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A collection for Forest Collection was put on my credit report recently for {$610.00}. This is the first I have ever heard about this. Never received any notice in mail for debt owed. It shows debt was from XXXX which was XXXX years ago. Isn't there a statute on these things anyway? Regardless, I can't pay something I am not made aware of and I never was made aware and all the sudden it just shows up on my credit report.
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| 10/25/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
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| 07/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I have a water bill on my credit that I already paid and was send to a collection agency without my knowledge. I get calls night and day from collection agency with treated, judgement and repossession of my belonging. I am very XXXX with all this treated, I get XXXX kids at home and scare that someone will come to my house when I am at work and just take everything without my knowledge.
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| 09/15/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Account : XXXX By FORESTRECVY is an invalid account : There are many discrepancies on my credit report validating my point.
-Collection account is only listed under XXXX XXXX and XXXX XXXX XXXX shows nothing.
- Company says last active date on Transition was XX/XX/XXXX but XXXX XX/XX/XXXX.
Information in inaccurate as I was not the one who opened this account.
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| 10/10/2018 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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Tried fix I sent a letter.get, I called this told dr office, this bill not mine was granddaughter, I took her to dr they put her stuff with my name .I sign her in! It was billed wrong to my son insurance! I called dr office they put down on paper wrong information, they never fixed it so insurance wont pay it!! Dr office keep billing me!! It not my bill,
|
| 05/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
i just checked into my credit and i have past medical bills due to a XXXX and all the bills where payed in full and now i have bills in collections and the baby was an XXXX so all the medical bills where addressed with final paper work 6 months after the XXXX there should n't be any past medical exps the attorneys had it all payed and shut
|
| 05/20/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I get XXXX collections account under my name with Forest Recovery Services for XXXX differences amount who does n't belong to me. I want this collection to stop calling me and harassing me on the phone and I want this debts to be removed immediately from my credit report. I do not have any idea who this company his.
|
| 12/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
At the time of my Emergency visit to the hospital I had insurance at the time there should be no reason whats so ever to have a balance owed. This is affecting my my credit real bad and Im suffering because someone isnt doing there job right so I demand this to be taken off my credit report immediately
|
| 04/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Forest Recovery Svcs just reported a {$1200.00} debt on my credit report. Prior to the appearance of this account on my report, I did not receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
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| 04/16/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This is a collection for something that I never agreed to and is not mine. It has damaged my credit score immensley and affected my ability to get a home loan.
|
| 12/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 11/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I do not know, I was informed this would be removed and it hasn't been
|
| 01/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Debt is past statute of limitations.
|
| 01/09/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/13/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 04/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 06/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/17/2016 |
No |
|
- Communication tactics
- Threatened to take legal action
|
|
Referral |
|
|
|
| 03/17/2016 |
No |
|
- Communication tactics
- Threatened to take legal action
|
|
Referral |
|
|
|
| 06/12/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|