Franklin Collection Service, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
02/21/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93304
Web
Hello, my name is XXXX XXXX. Today I experienced something very discouraging and I would like to inform you about it because I have no idea what to do about it. Today I was reviewing my credit report along with my wife so we could assess our credit worthiness for purchasing a home. When I reviewed my report, I noticed a collection agency by the name of XXXX XXXX XXXX. They were collecting for XXXX. For full clarification purposes I would like to inform you that I did have service with XXXX. I had service with them back in XX/XX/XXXX. There was never any animosity between XXXX and myself nor any reason why I would not pay them any money owed. At the same time, I never knew I owed XXXX any money. Back in XX/XX/XXXX I used to live at XXXX XXXX XXXX XXXX XXXX I obtained XXXX services for my home at that time. What happened is that 1 1/2 months after obtaining services with XXXX at XXXX XXXX, that same apartment complex burned down. One of my neighbors turned out to be a hoarder and caused the fire. I lost everything that day. I went to the local XXXX store at XXXX XXXX XXXX XXXX in XXXX Ca. I informed the manager there what had occurred and that I would need to cancel services because of what transpired and because I didn't even know where I was going to live. The manager must have taken my plight to heart and informed me that I would not have to pay for these services and that she would take care of it. The fire occurred on XX/XX/XXXX. I went to XXXX just days later. Since that day I have not heard from XXXX nor anybody else about any debt owed. Today after reviewing my credit report I called the collection agency listed and I spoke with a XXXX XXXX. In all honesty she was very polite. I told her of everything that transpired and she said that because of the situation she would give me a 35 % discount. Considering I was never able to return XXXX their equipment because it burned to a crisp, I felt the offer would have been fair had I never been told by a manager at XXXX that I wouldn't have to pay for this. Even then I considered paying it until I asked XXXX XXXX if because of the circumstances surrounding this debt if she would remove it from my credit report. At first she stated that because I was paying a discounted amount they could not remove it from my credit report. I was starting to get a little annoyed as I felt I was being squeezed for money but I decided to ask if I paid it in full could I have it removed from my credit report. In my opinion it is unfair to have an account damaging my credit report when I was told I would not have to pay for the account by an XXXX manager, and if I did have to pay it, I was never sent a notice asking me to pay for it nor a phone call asking me to pay for it. Not even by the collection agency collecting and reporting this account. XXXX then told me she couldn't delete it from my credit report but only show that it is paid in full. Now I was simply confused. I asked XXXX " why couldn't you remove it from my credit report if I paid it in full? '' XXXX informed me that XXXX XXXX XXXX doesn't control what gets reported on the credit report but rather XXXX did. Because I'm no fool, I quickly retorted that I doubted that. I surmised that XXXX did not own XXXX XXXX XXXX. I also know that the credit reporting had XXXX XXXX XXXX as the entity reporting the account not XXXX. I informed XXXX of those facts and asked her to try again in explaining why XXXX XXXX XXXX couldn't delete the account from my credit report. She still said she couldn't remove it from my report. The longer the conversation went, the greater my Ire was becoming. I began thinking about the entire situation which caused me to get to this point where I was speaking with a collector about an account which to my knowledge was not owed and I was never told about. I asked her why my credit should have to suffer for something I didn't even know existed? I never once got a bill nor a collection call from anybody about this debt. Had I known XXXX was attempting to collect this amount I simply would have paid it. Somewhere along that line of questioning I found out that XXXX XXXX XXXX had my address listed as XXXX XXXX XXXX. Not only was that not my address at the time of services, that is not my address after I moved from the apartments. Instead of explaining to me why she wouldn't remove the account from my credit report she simply asked, " have you worked in collections before? '' I told her no and instead she said she would let me talk to her supervisor. I was grateful and waited for her to transfer me to the supervisor. I then spoke with a XXXX XXXX who said he was a collections manager. I explained the situation to him as well. I explained how the location I lived in burned down shortly after obtaining XXXX services. How I spoke directly to an XXXX store manager who informed me I would not have to pay the debt as it would get cancelled for the unusual circumstances. How I have never been billed nor contacted about this debt until I found out about it today. How I am being given what I feel is dismissive or misleading answers about why it can't be removed from my credit report and how I am saddened that the collection agency is simply playing collector and ignoring the fact that I have suffered enough through this ordeal and maintaining this on my credit report after paying it in full even when I was already told by XXXX I would never have to pay them for this account is going to cause me further harm. His response was that he understood my situation but he still would not remove it from my credit report. If that isn't a slap in the face then I don't know what is. XXXX XXXX XXXX retorted by asking me if I had any proof that I don't have to pay this debt? I told him no. I retorted by asking him if he had any proof that I was ever notified about this debt by them or XXXX? He said he didn't need proof. He also said that I was mistaken and that they had in fact sent me notices asking to pay this debt. I immediately figured out where he was going with his rebuttal but I interrupted him midway trough his sentence. I informed him that I already knew from the prior collector who I spoke with that the address listed in their records was XXXX XXXX XXXX. I informed him that was not the address I lived in during the time of service nor anytime after the services. Sending a notice to a location I did not live at nor do I live in was not sufficient to claim that a notice was sent to me. That is what is known as improper billing procedures. I asked him how he obtained that address? XXXX XXXX said his company obtained it through skiptracing which was an investigative method to locate an individual. To make this short, their investigation was faulty. I again informed him that I was upset how even after knowing what he know knew about my situation and the circumstances surrounding this account, he still refused to remove this account from my credit report regardless if I paid it in full or not. He then said the only thing which actually made some sense to me. Although it's true that Franklin Collection Services was not owned by XXXX, and XXXX has no control over what Franklin Collection Services does or does not do, if XXXX XXXX XXXX wants to continue to collect for XXXX then XXXX XXXX XXXX is going to do what XXXX tells them to do and XXXX says no deletions. That I could actually understand but I still felt this situation was unfair and my situation was unique so I offered a compromise. I asked XXXX XXXX if he could ask XXXX about my situation due to the unusual circumstances surrounding this matter and ask for an exception to their rule of no deletions. I felt that was a fair compromise considering I am still under the impression I didn't owe XXXX any money and even if I did, no one ever billed me or told me about it. XXXX XXXX refused. That was the straw that broke the camel 's back so to speak. I implied to XXXX XXXX there had to be some sort of law or procedure in handling collection accounts for accountability purposes. I could not fathom that a company or someone could simply claim a person owes them money, not send that person a bill, not call him informing him about said bill or asking for payment, and then ruin his credit report for it. I asked XXXX XXXX directly and placed myself at his mercy by asking him if he knew the law and proper procedure in collecting and he was kind enough to tell me some of it. He stated that when an account gets assigned to a collection agency, there is a 30 day grace period where the company sends the individual a notice and the individual gets to respond to said notice. I quickly pointed out to him that by those same rules, he acknowledges that his own company did not follow procedure. I again pointed out to him I was never sent a notice. He said that his company had sent one. I then said that sending a letter to an address that has nothing to do with the recipient of said letter can not be claimed as sending an individual a letter. Especially if said address was erroneously linked to the individual by the company through faulty research. He then began making counter arguments which just showed me the true character of XXXX XXXX and his company. XXXX XXXX actually went as far as to state that technically, no one ever told me that a bill was sent to the XXXX XXXX address. He even argued that I should have had a forwarding address after the apartment burned down and that it was my fault for not having the forwarding address for long enough. It was now clear to me that I was going to get nowhere with XXXX XXXX. I no longer wanted to discuss the mater with XXXX XXXX as he was now arguing just to argue. I know that the only reason his company would attempt to look for another address is if they knew the address they were originally provided was no good. It is logical to conclude that they would send a notice to this new address in an attempt to comply with XXXX XXXX 's admitted collection laws. But again I was done conversing with him. At this point I am filing this complaint to you because I have finally done enough research in looking up collection laws trough a simple XXXX search in order to determine they were broken in this matter. I also believe XXXX is wrong in sending this account to collections when they told me there was no money owed. I also believe it is unfair to treat someone in this matter knowing full well the situation that transpired which caused said account to be placed in collections. For your reference the following laws were broken. F.D.C.P.A. Section 809. Validation of Debts. By XXXX XXXX 's own admission and said law, I must be given a statement allowing me thirty days to dispute the validity of said debt. Because no notice was ever given to me, and because any notice claimed to have been sent in regards to this account was sent to an address which was arbitrarily chosen and linked to me trough faulty investigation, I have not been given my federally mandated rights to dispute this debt and have this debt validated. F.D.C.P.A. Section 807. Unfair Practices. Chapter 10. The use of any false representation or deceptive means to collect or to attempt to collect any debt or to obtain information concerning a consumer. By claiming validation of debt was sent to me in proper procedure when it wasn't, they are attempting to falsely claim that this debt is valid and use it as an excuse to deny or even attempt to communicate with the originator of the purported debt for a decision on the status of said debt or a decision on whether it should even be credit reported. Also, credit reporting is a method of collecting a debt so Franklin Collection Services can not attempt to hide behind a shield claiming they are not technically attempting to collect a debt since no communication was ever given. Come to think of it, refusing to communicate with the originator of the debt is also a violation of validation of debt as XXXX XXXX XXXX is now willingly refusing to attempt to validate it. F.D.C.P.A. Section 804. Acquisition of location information. By erroneously linking XXXX XXXX XXXX as my address and sending any collection notices to that address, XXXX XXXX XXXX had now communicated with someone other than myself about this account and therefore violated the law. F.D.C.P.A. Section 808. Unfair Practices. I believe I have described the situation very clearly. XXXX XXXX XXXX is clearly being unfair. Also, to refuse to remove the account from my credit report even after being offered to be paid in full knowing why this account is even in collections to begin with nor even attempting to be reasonable or accommodating in simply asking their client on a ruling on the status of said account is unconscionable. It's borderline dictatorship and is against all collection laws set forth by congress to regulate a collection agency and its practices. Please help me with this as I don't know what else to do. I am being mistreated and I am at your mercy
06/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 352XX
Web
Be advised that your debt claim is DISPUTED and VALIDATION is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I XXXX XXXX have the right to demand validation of the debt you say I owe you. I XXXX XXXX demand proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you. VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. 1968ams/css/child_support_glossary.pdf FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : http : //codes.findlaw.com/ca/code-of-civil-procedure/ccp-sect-1250-150.html # sthash.edZyWein.dpuf ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor. 2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS. 3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150. 4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150. 5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court. 6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt. 7. Discovery of Evidence Discovery of name and address of original alleged creditor. 8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account. 9. Discovery of Evidence Discovery of name on file of alleged debtor. 10. Discovery of Evidence Discovery of address on file for alleged debtor. 11. Discovery of Evidence Discovery of alleged account number. 12. Discovery of Evidence Discovery of amount of alleged debt. 13. Discovery of Evidence Discovery of date this alleged debt became payable. 14. Discovery of Evidence Discovery of date of original charge off or delinquency. 15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account. 16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector. 17. Discovery of Evidence Discovery of complete accounting of alleged debt. 18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt. 19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2. 20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions. 21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties. You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by you or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated. Best Regards, XXXX XXXX cc Federal Trade Commission
08/22/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • MS
  • 394XX
Web
I called into Franklin Collection Services in XXXX Mississippi on XX/XX/XXXX. I called because I saw on my credit report that they reported the same delinquent account 6 separate times to my credit report. The dates areXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The amount of the debt reported is {$430.00} and the original creditor is XXXX XXXX XXXX. The address that was on file with them was an old address so I gave them all of my updated information. I explained the reason for me not knowing that the debt was owed and that I was calling to get it resolved. I asked for a verification of debt letter, and I that I would gladly pay the debt in full and wanted to know if they could delete all the reports to the credit bureaus considering the situation. I also asked why the same debt was continually being reported just days apart, and I was told XXXX XXXX XXXX lets them re-report the debt every 3 days. These continuous report dropped my credit score dramatically, over 100 points. All the while, I didnt know about the debt because they didnt have my correct info. XXXX XXXX was the representative I was speaking with that night, XX/XX/XXXX. She told me she would call me back the next night to confirm with me that the letter was sent out to the correct address. The next night I received a call and missed it but called right back at XXXX pm, and the date was XX/XX/XXXX. I dont recall if if XXXX said the letter went out or not because the conversation escalated rather quickly. She told me her supervisor said that if I paid the balance in full they would remove it from my credit. I asked if I could get a letter mailed stating that they would follow through on that agreement, and at that point they become very ugly. From this point forward the rest of the call was very combative. They refused to send me anything about the agreement in writing which was a big red flag for me. I told them that I have learned that if its not in black and white it didnt happen. XXXX started telling me that I was going back on our deal, but still to this day, we have not come to any agreement. She was saying that I had wasted her time because I wouldnt pay them right then ( I had not received the verification of debt letter, so at this point I didnt know if this was a legitimate debt or not ). The rest of the conversation is kind of a blur as to who I was speaking with because it was a loud aggressive tone from their end, but I was transferred to two other people, XXXX XXXX, and XXXX XXXX. Between XXXX, XXXX, and XXXX, I was told that had to pay them right then or they wouldnt deal with me at all. They were demanding I give them a check over the phone or card information right then. I kept trying to tell them that I had not received the verification of debt letter yet, but they would not acknowledge that or even give me enough time to get it out of my mouth. They just kept telling me that they dont send the terms of an agreement before before they get paid ( big red flag for me ) and that I just dont want to pay they because Im not getting my way. At one point I was told that they used to mail the agreements out to consumers but dont any more because consumers wouldnt pay them after getting the agreement. Then I was told that it had alway been their company policy to never give consumers a written agreement. Now for the lie, The last person I spoke with, XXXX I believe, said that it was illegal for them to send a written agreement before being paid in full. They kept saying they can send the agreement after I paid them. I asked if it was company policy or illegal because the last person said it was company policy. I was then told it was illegal because the fair credit reporting act said that it was illegal. He kept saying that it was illegal and they wouldnt send me an agreement because it was illegal, and they dont do anything illegal. The person I believe to be XXXX not only was lying to try to get me to pay them right then, but talked to be like a complete dog, belittling me, and would not let me say hardly anything at all. I attempted to tell him several time the situation and that there was no agreement yet, and that I had not received verification of the debt, it was all him practically yelling through the phone. I finally got to the point that I was done speaking with them and said thank you for your text me and hung up the phone. XXXX called me again the next day and asked if I had tried to call her that morning, and I said no and we got off the phone. I received another call from them today, XX/XX/XXXX at XXXX and missed the call but called back at XXXX. On this call they told me that if I pay half then they would send me the agreement but wouldnt delete it from my credit until the other half was paid. I am not sure of this persons name. When I asked about the last call me being told that because of the fair credit reporting act it was illegal to send a written agreement, the question was side stepped and I was to that they dont delete anything, that they were doing me a favor. Once again there was not an agreement reached because I couldnt get a written agreement before making payment and at this time I still have not received the verification of debt letter. I told them that I had not gotten the verification of debt letter yet, so wasnt willing to make any payment until I received that and the written agreement. I also told them that since they were unwilling to send the agreement, I had to go with my safest option, calling the original creditor and trying to arrange payment with them so that the collection agency would have to delete the because because they had not rights to the debts. They didnt seem happy about this and told me that I couldnt do that because the creditor wouldnt pull the debt back. They then terminated the call. During the calls, I told them that I needed a written agreement so that I could hold them accountable for their end and they said they would have to hold up their end because the calls were recorded. I told them that I didnt have the ability to record the calls, so that didnt really do me any good. The reason I asked for the agreement in writing is because I dont actually trust that they will follow with the deletion once being paid. Being told that I can get the written agreement after I pay them sounds like a complete scam to me. The last time I was told I get the agreement only after paying was from an extended car warranty scam. The names given in this statement are names that XXXX XXXX from Franklin Collection Services gave me to night after the original call was terminated and I called back in to get the names of the people I have spoke with. She told me that they do not have any employee ID numbers.
08/26/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93215
Web
A few days ago my husband and I were looking at our credit reports. We decided to take a look because we received a reminder about the XXXX Data Breach and how they were settling with consumers. We figured we better take a look to see that nothing fraudulent was on the report in case we needed to make a claim ourselves. What we saw was a collection company called Franklin Collection Services. At first I didn't know what the account was about since there is no account number or much information about the account. My husband called the number listed on the credit report for Franklin Collection Service and figured out it was for an XXXX account. We did have XXXX in the past for both internet and landline services and we had a horrible experience with them. After months of bad or no service, repeated calls for repairs that would take sometimes multiple weeks for a serviceman to come, and outright torture with customer service, we cancelled them. We notified them properly of the cancellation however and didn't just decided to ignore them. All that is besides the point. When my husband spoke with the representative for Franklin Collection Services he was very courteous and simply asked them if he could simply pay whatever XXXX was claiming was owed and have it removed from my credit report so we could all move on with our lives. The representative said no. My husband informed the representative that he understood that she was a collector but that there were a lot of discrepancies with this account and that the amount owed was contested. First of all, no one ever notified us that this bill was owed. We confirmed it because the collection agency gave us a wrong address. Secondly, no one ever called us to inform us of this debt at least not to my knowledge. I will admit that because I've been getting so many spam calls, robo-calls, and the fraudulent environment that we currently live in, I am a little hesitant to just speak to anybody or give my personal information over the phone anymore. Regardless of that, I didn't know I owed money to XXXX. When my husband began explaining this to the representative, the representative told him they can't remove accounts from the credit report because they are just a third-party collector and are hired to collect. My husband being the clever man he is asked her point blank, " if you are just hired to collect, then why are you credit reporting? Also, since I am offering to pay you, why will continue to report it on my wife 's report afterwards? '' Her response to that was that XXXX didn't allow them to remove accounts from the credit report. Again, my husband thinking outside the box asked this question. " Franklin Collection Services is on my credit report and not XXXX. What does XXXX have anything to do on whether you credit report this or not? '' The representative began giving a lot of confusing answers and basically trying to impress upon us that they are just a third party collector that has no power or say over anything except to collect. My husband quickly retorted that if that was truly the case then why report at all? After a back and forth argument and explanations from both the collector and my husband, the collector advised my husband to file a dispute letter to have XXXX remove this account. We considered doing so but decided we needed to speak to a supervisor first. The supervisor 's name was XXXX. He was much more courteous and understanding than the collector but ultimately the talks with him broke down as well. During the conversation with him, my husband informed him of everything that had transpired with XXXX and with the previous representative he had just spoken to. XXXX said he understood but pretty much gave us the same answers. My husband began giving him more details such as how XXXX never gave us proper service. He began describing that on at least three different occasions, we spoke with XXXX to come repair their devices or their internet connection because we would receive no service at all. Furthermore, because there was no internet, our landline also didn't work. Whenever we called XXXX for repairs, they wouldn't send a technician out for a week and sometimes maybe more. We fought with XXXX over this on several occasions and asked why we were paying a monthly bill for services not rendered. Finally after several months of going back and forth with them of us having no service and XXXX not sending techs for a week or more, we informed them we were leaving them. After telling XXXX all of this he said that there was nothing he could do because XXXX never credited us with anytime other than the pro-rated last month for cancelling midway through services. Because of that he didn't see a valid dispute and would simply ask XXXX for validation of debt. My husband then asked if that entailed an actual response to our complaint or simply a ledger or itemized statement of what their charges were? XXXX said the latter. My husband then asked how that is any type of response to our dispute? XXXX can claim we owe them for monthly services but how does that address the fact that we would go without internet and a phone for over a week at a time. Or all the time spent on the phone with XXXX being dealt terrible customer service with complete carelessness from their side. Or about the fact that because we would work from home and without internet or landline service we either couldn't work or our work was extremely inefficient therefore costing us time and money? XXXX just said that all he could do is ask for validation. I hope you can understand that this is extremely unfair. Owing someone money is one thing. Someone telling you money is owed to them when they arent providing you with service is another. Someone not telling you money is owed and then sending you to collections when they know they were not providing you with their promised services and you notified them on multiple occasions about it is yet another. What XXXX is doing is wrong. This debt is not legitimate and what Franklin Collection Services is attempting to tell me is also wrong. This debt is highly disputed, not valid, and to keep this on my credit report knowing full well the situation of what XXXX has done means Franklin Collection Services can no longer feign ignorance or that they have no say in the matter. They are the ones credit reporting this on my credit report and need to stop before I decide to escalate this matter further.
12/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75038
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FRANKLIN COL bal. {$130.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 522XXXX
12/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75241
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FRANKLIN COL bal. {$680.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
03/15/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36265
Web
I had internet and cable service with XXXX XXXX XXXX. I got divorced and my ex-husband moved to another location in XX/XX/XXXX. In XX/XX/XXXX, I cancelled my cable service with XXXX XXXX XXXX. I received accurate bills showing only my internet service in XXXX and XXXX. At some time in XX/XX/XXXX, my ex-husband, who was living at another location, started cable service. In XXXX, XXXX, out of nowhere, my bill showed a past due cable charge. I contacted XXXX XXXX XXXX by phone and email several times about this bill. I have a transcript with an XXXX XXXX XXXX rep stating that the cable charge was indeed for my ex-husband 's cable service, AT ANOTHER LOCATION, but that somehow his service got bundled with mine and after 2 days of calling several phone numbers and legal departments and fraud departments ( I have ph numbers and names of people I spoke with ), they actually told me nobody could figure out how to unbundle these even though they clearly showed the service was not at my address. I even went into an XXXX XXXX XXXX store and the person helping me called their XXXX XXXX XXXX contact and NOBODY could figure out how to unbubdle this charge from my account. Moreover, I couldn't pay my bill because it was combined with my ex-husband 's bill. I finally got tired of dealing with collection calls daily and no help, so I paid all my final bills and cancelled service. In XXXX, I received the first collection agency 's letter and replied with this message ( and attachments of copies of EVERYTHING ) : **** XXXX Unable to pay my bill because it is showing my ex-husband 's bill combined with mine ; also getting collection calls for my ex-husband 's bill!! Called XXXX XXXX XXXX again ; was on the phone with several departments ( see above ) for hours and NOBODY could tell me why my ex 's bill was bundled with mine and NOBODY could help me correct it until it was paid. To top it all off, I called XXXX XXXX XXXX again several days later because I was still getting collection calls and was told the same thing " they can't help me because it's not my account so they can't make changes to it! '' - THEN, I GET AN EMAIL SAYING I MADE PAYMENT ARRANGEMENTS ; PLEASE PULL UP THIS TRANSCRIPT BECAUSE IT IS A LIE!! I NEVER MADE SUCH ARRANGEMENTS AND I CHALLENGE SOMEONE TO COME UP WITH A PHONE CONVERSATION THAT SAYS I DID!! THIS IS A SCAM!!!! *** With this communication I included copies of the transcript showing the XXXX XXXX XXXX rep stating it was not my bill but it was bundled with my account and business card of the person I spoke with at the XXXX XXXX XXXX store who also verified it was not my charge. *** In XXXX I got another collection agency letter and again replied with all the info I had already sent to this agency : From : XXXX XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Disputing Bill from XXXX XXXX XXXX REF : XXXX ACCT : XXXX ***** I never heard back from them. I assume with the proof I provided they could see this wasn't my bill. Then in XXXX I receive ANOTHER ( different ) collection agency 's letter and replied as follows to this agency : From : XXXX XXXX XXXX [ XXXX : XXXX ] Sent : Friday, XX/XX/XXXX XXXX XXXX To : info XXXX Subject : Fw : Disputing Bill from XXXX XXXX XXXX **FILE NUMBER XXXX** Importance : High Hello, I am responding to your phone call regarding this bill. Below is the reply I sent to the previous collector. Note I do not owe this money and will pursue this matter to the fullest extent I have the right to. These collection practices appear to be some kind of scam. As I stated on the phone - what kind of practice is it for a company to continue to harass a loyal longtime customer ( who might I add has paid all her bills with this company ), hiring different collection companies until the customer pays a bill that doesn't belong to her??? I will be reporting every one of these efforts to the CFPB if I continue to be harassed. Thank you! ******** I never heard back from them either. In XXXX of this year I found out there was a collection on my credit report for this ... I never even received notice or anything. I disputed it with the credit agencies ( XXXX and XXXX and I think XXXX as well ). XXXX Now, I received A THIRD ( DIFFERENT ) COLLECTION AGENCY 'S LETTER. I will be replying to them with the same info I sent the other 2 agencies, but it appears XXXX XXXX XXXX sends this to collection agencies, then when they can't collect they just send it to another. What kind of scam is this??? ***** I protect my credit with my life and I don't want to pay something that's not mine - it's not fair! XXXX XXXX XXXX IS RUNNING A SCAM!! PLEASE HELP ME! I can provide proof of all the instances I was contacted as well as the aforestated copies of transcripts and contact info. Thanks in advance!
09/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 349XX
Web
THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
05/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IL
  • 60487
Web
While a consumer of XXXX XXXX XXXX mobile and home services, I incurred a continued obligation to pay for services with my bill cycles typically running through midmonth. During the period of XXXX XXXX, I did not pay my bill timely and as a result incurred a small fee for a late payment. Following that, I paid my bill for XXXX and XXXX XXXX jointly paying a bill of approximately XXXX dollars as my monthly bill vacillated between XXXX-XXXX dollars at that juncture. Shortly thereafter, I cancelled my wireless account and my home account in XXXX XXXX ( though was continued to be newly charged for home billing through XXXX XXXX ). Following the closure of the wireless bill, I received a statement that I owed no balance for which was correct based on my previous payments. However, shortly thereafter I received new bills indicating that I still owed for XXXX XXXX. I called XXXX XXXX XXXX and was directed to XXXX different departments with varying results. None of the departments new how to handle my call based on state and call center and could only see the end result that I owed the amount. After I explained that I contested the amount based on previous payments, the individuals became confused and transferred me to different departments. Eventually I ended up at the wireless department and they confirmed that there should be no balance and indicated they would notate the account that I was wrongfully charged. Afterwards, XXXX XXXX XXXX sent me follow-up bills saying I still owed this amount and we would repeat this exercise several more times with XXXX siloed systems and call centers all being unable to resolve the issue until being transferred to wireless where they would again confirm that I did not owe the bill and that it was a mistake and a notation would be put in the system not to collect. After several more go arounds, in XXXX XXXX, XXXX XXXX XXXX sent a final notice indicating they were going to sell the invalid debt despite repeated follow-ups by myself and acknowledgment from its agents that the debt was fully paid and invalid. At approximately XXXX XXXX XXXX, I called again and spent several hours on calls with several agents who teleconferenced other agents in to resolve the silo issue and invalid debt to connect the front end and back end agents to discuss why the debt should have never existed, that it was paid originally, and that I continued to be pursued for debt charges. Agents from multiple departments sat on the phone, exchanged ID numbers and worked to update the system to stop charges on the account prior to being sold to a third-party agency as they agreed that I paid the appropriate amount and should not be charged further. This time I was assured that they had resolved the issue and that there would be no more attempts to collect the invalid debt. Following that, it appears that XXXX XXXX XXXX sold the debt to a third-party collection agency and I was informed at approximately XXXX/XXXX/XXXX with a letter dated XXXX/XXXX/XXXX that I was to pay the debt or incur a negative bureau reporting for the money disputed by XXXX XXXX XXXX. At this point I write this letter to dispute the bill in its entirety and send to the FTC, CFPB, the debt collector in question, and will send a copy to XXXX XXXX XXXX directly as this is an entirely invalid debt from which XXXX XXXX XXXX has continued to acknowledge was invalid through discussions with its agents and they attempted to stop the continuation of this debt. As this debt was paid in full upon original receipt, XXXX XXXX XXXX was contacted multiple times and not only acknowledged that the debt was not to be paid through its direct agents and confirmed through multiple departments and proceeded to sell the debt, I believe that XXXX XXXX XXXX has violated 15 USC 45 under both the deceptive and unfair prongs of UDAP. I believe the sale of the debt & involvement in the debt collection market should be held to the corresponding standards of 12 USC 5531 & 5536.
12/07/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44118
Web
I have repeatedly tried to fix this problem with Franklin Collection Services. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received none of the information I requested.
10/29/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95688
Web
In XX/XX/XXXX I moved and tried to get my internet transferred. On 4 different occasions I had XXXX XXXX XXXX out and they could only get it working intermittently so it would constantly disconnect. Additionally, because my complex wouldnt allow XXXX to install a dish, and I had a package deal, I was now being charged twice as much, $ XXXX/month for internet that wouldnt work. It was better than nothing until I could get other internet installed, which I did with XXXX approximately XXXX of XXXX. Despite my canceling, XXXX XXXX XXXX continued to charge me for approximately another month. Additionally, I had spoken with XXXX XXXX XXXX multiple times and was supposed to be charged only {$40.00} per month instead of {$60.00}, like when I had the package deal with XXXX. I was also supposed to receive several credits due to having to miss work 4 times for service technicians coming out but not being able to get my internet working properly. I was told that by the second visit they knew my complex management would not allow them to install new wiring and there was nothing that could be done. So after canceling I continued to get ridiculous bills from XXXX XXXX XXXX and I spent multiple hours on the phone being referred to different supervisors and departments, each time being told that my account had been adjusted so I only owed a total of {$40.00} that would show up in a couple of days, only to have to do the same thing all over again. I cant tell you how many times Ive been in tears because of this, the hold it has taken on my life for a year now as a single parent. Anyway, I finally thought Id found salvation when I spoke with a supervisor supposedly high up in the company who apologized profusely for what Id been through and assured me my balance was {$0.00}. A week later I received a collection notice for {$140.00} and started getting calls. I will be XXXX if Im gon na pay a penny to these monsters who at this point should be paying me for putting me through XXXX. I tried explaining why I dont owe the money to the collection people who of course dont care. I tried calling XXXX XXXX XXXX again and wasted a whole lot of time to be eventually told my account was closed and there was nothing they could do. It began showing up on my credit reports and I began disputing it with all 3. Only time Ive ever been told they couldnt process my dispute and I needed to contact credit bureaus and do it all over again. My credit score finally jumped up a couple months ago and I thought it was over. Today I get alerts that my score has dropped dramatically and a large reason is because of the collection account for {$140.00}. Somehow Franklin Collections ( not sure if that was the original collection agency ) has it on my account listed as added on XX/XX/XXXX, when I started dealing with collections a full year earlier in XX/XX/XXXX! I am again trying to electronically dispute with XXXX, spent an hour on the phone with XXXX, and still need to do the same with ExperXXXXan. My score has taken a major hit due to this petty amount, which I refuse to pay on principal. This should be criminal. It is attempted theft of my money and theft of my time, mental health and ability to utilize my credit score when needed, which Im sure they are counting on so they can squeeze me into paying them {$100.00}!!! A few months ago I tried to finance {$200.00} tires because I had been laid off from my job and couldnt afford to buy them. I was declined SOLELY due to the existence of this one collections account, I was told by XXXX XXXX personally. All involved need to be held accountable for this. XXXX XXXX XXXX and Franklin Collections are frauds and thieves.
05/31/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KS
  • 67203
Web Older American, Servicemember
First off we moved to a new home. Before we moved I notified XXXX XXXX XXXX to transfer my Telephone to My New address in XXXX XXXX, this was around the XXXX of XXXX XXXX. I was informed that the earliest it could be down was XXXX XXXX XXXX. I agreed that was ok and it was scheduled for then. Then I had to postpone for 2 weeks. Again no problem. 2 weeks XXXX XXXX, they came to install my internet but not the phone like I was told, after waiting all day for the phone installer, I called XXXX and got nasty and told them they had best get someone out to install my phone as ordered. They told me Wednesday ( after an hour long telephone argument with them ) an installer would come out for the phone. I told them if no one showed by end of business hours on the XXXX, I would go with another company. They never transferred my old acct, they never cancelled my old phone #, They are charging a Service Charge of {$240.00} for the Internet without any explanation and I ca n't answers from them and they are also charging me a Service Charge of {$60.00} for my phone service. Again no explanations. We have called and talked to XXXX and still no explanation. Also they never informed us ( my wife or me ) of any service charges on any installation either internet or phone. I also transferred my XXXX XXXX to my new home. XXXX was installed.. but still is n't the way we want it and are paying for. We want to split the house XXXX TV 's on the main Floor and XXXX TV 's on the bottom floor. XXXX separate master Genies ( they use the term Master Genies ) they say they ca n't do that and ca n't tell me why. I am tired of the run around. I am tired of talking to people that do n't know the answers to my questions. Last but not least, everything was supposed to be Bundled together ( The Internet, The Phone and The XXXX Service ) and they told my wife today ( XXXX XXXX XXXX ) they ca n't bundle and could n't tell her why. I want answers and I want them either in person or to my home Phone # which they have on file. I filed the below information with People claim Administration on XXXX/XXXX/XXXX. On or about XXXX XXXX, XXXX I notified XXXX XXXX XXXX via a phone call to their XXXX number that I wanted to move my service from XXXX XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX XXXX XXXX, KS on XXXX XXXX. I was informed by the XXXX XXXX XXXX agent I spoke with that it could n't be done until XXXX XXXX, XXXX at the end of the billing cycle. I said that was fine and everything was set up and I hung up. In XXXX XXXX, I received a bill for service at my old address for the Billing period from XXXX to end of XXXX XXXX. I called XXXX XXXX XXXX and spoke to a Customer Service Agent and explained to her that I had transferred service on XXXX XXXX to my new and current address. She took my information and said that the it would take up to 10 business days for the bill to be removed from my account. I said that this was fine and concluded my business with the agent and hung up. In XXXX of XXXX, I again received a bill from XXXX this time for {$110.00} for service @ XXXX which was supposed to have been transferred to my new telephone #. I called XXXX again and was on hold for over an hour before I got frustrated and angry and hung up. So I am disputing this bill for those reasons. Also the final bill for XXXX was paid in XXXX XXXX. XXXX XXXX XXXX XXXX was resolved and all money owed for current service for TV, Internet and Phone Service has been paid. I will not pay {$110.00} for service at my old home when it was supposed to be canceled at the old home and transferred to new home!
07/18/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 71203
Web
To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
01/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 93307
Web
On XX/XX/XXXX I went to attempt to obtain a loan for a mortgage. The lender told me my credit score was good but that there was too much delinquent debt preventing me from qualifying for a loan. When I reviewed the accounts listed on my report I came to the conclusion that I did n't recognize any of them. I Immediately felt that either there was a mistake or someone was using my good name. Almost Immediately I began the process of filing a fraud affidavit and a Sheriff 's report and sent a notarized copy to all the creditors, collection agencies, and credit bureaus listed on the report. After a few months I received credit reports showing that nearly all the accounts were removed from my report except for a Franklin Collection Services. What they did was to first send me a collection notice in XX/XX/XXXX and then when I spoke to them over the phone they sent me a notice from themselves in XX/XX/XXXX asking for me to re-submit an identical copy of the fraud affidavit I had already submitted to them months prior. I decided that in order to speed things up I would comply and I had their affidavit re-notarized and sent back to them certified mail with a return receipt. A few days ago instead of receiving a notice stating that they have reviewed my documentation and have determined that this was in fact a fraudulent account I instead get a notice from them trying to collect a debt that shows it originated in Texas. Because I have already submitted a notarized affidavit stating that I have lived in my home in XXXX since XX/XX/XXXX, I was infuriated to see that they were still trying to collect from me knowing full well that it is n't my account as I have never lived at the address they are providing. I decided to call them one last time in order to resolve this account. I called them today and asked why they are refusing to cancel the account after receiving XXXX copies of a signed affidavit showing I have never lived at the address they have on file along with a sherrif 's report. What they did was attempt to claim that they never received the affidavit. When I informed them that I had a certified USPS return receipt signed from Franklin Collection Services showing they did in fact receive my affidavit they quickly changed their story to state that the person who signed for it does n't work for their company ... .. When I then informed them that it did n't matter as USPS had it delivered and signed for at their correct address they then changed their tune again and said that they had in fact received it but not until XX/XX/XXXX ... The person making these claims was a supervisor by the name of XXXX XXXX. I must say that I am disgusted at his attempt to ignore the F.D.C.P.A. and his outright shady collection tactics. They have received my notarized affidavit twice. They have received a Sherrif 's report. They have received disputes which I initiated with the credit Bureaus and they have received phone calls from myself about this fraudulent account. They have received ample notice showing this account is not mine and they are now the only thing preventing me from buying a home since XX/XX/XXXX. If my dispute to you does n't fix this then I will be forced to sue them. Please help me in clearing my good name which is being tarnished by this unscrupulous collection agency. I will forward you my documentation so you can see that they have in fact received ample notice about this fraudulent account.
06/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 43227
Web
A letter was received from Franklin Collection Service ( also called FCSI ), Inc requesting payment for a {$460.00}. In response to this letter dated XXXX, I sent a letter back requesting validation of the alleged debt. I requested validation in accordance with the Fair Debt Collection practices Act under 15 USC 1692 ( g ). Specific requests were made for a copy of the original contract or member agreement with a statement under penalty and perjury that FCSI is the holder in due course for the contract for the alleged consumer debt. In addition a request was made for the account and the ledger statement showing full accounting of the alleged debt. The letter specifically informed FCSI that any extrinsic materials referenced can only be used if the party who prepared the extrinsic materials attaches a signed and dated affidavit. All persons, corporations, associations and other parties having legal interest regarding the debt were requested to be identified. In addition a request was made for FCSI to verify under penalty and perjury that as a debt collector they are actually proceeding with the collection activity in the name of the original maker. of the contract for debt and verification was requested that FCSI was authorized to act for the creditor. A response letter was sent on XXXX XXXX, 2015 from FSCI which stated " Itemization, Verification and Validation of Debt, Deny Inaccuracy '' " This letter serves as compliance to Section 809 ( B ) per your request. '' This is not what I requested. This response is insufficient and did not address the Initial Dispute Letter which directed FCSI to specifically address question # XXXX, # XXXX, ( all not part of # XXXX, # XXXX, # XXXX, # XXXX and # XXXX ). FCSI also sent a letter on XXXX XXXX, 2015 Titled " RE : Request for Final Bill '' It stated per your request, please find enclosed a copy of the original creditors billing statement. I never made a request for a Final Bill from FCSI. I requested " proper '' validation of Debt, following the strict guidelines of FDCPA and to address the XXXX questions on the dispute letter which was sent on XXXX A letter was mistakenly dated XXXX, however as confirmed by the certified mail # XXXX and the green card receipt, the letter was sent on XXXX. It was addressed to the unidentified writer/composer/generator of the XXXX letter, because there was not identifying information on the correspondence. I informed the writer of the correspondence that a request for copy of the original creditors billing statement was never requested. The issuer of this correspondence is in violation of the 15 USC 1692, by failing to provide " proper '' validation of the debt when this was requested on XXXX occasions. In addition the authenticity of the correspondence can not be established given there is not a signature associated with a " natural '' person to contact to be held accountable for such errors. As a creditor I am invoking my private right of action to demand the payment for noncompliance of the Fair Debt Collection Practices Act. I am demanding the the person who violated the act to pay the {$1000.00} for noncompliance and to pay me for ( XXXX/hr a reasonable attorney fee-rate ) for the time energy and cost that I have expended in bringing forth this claim XXXX hours ( including cost/mailing/time ) x {$250.00} = {$3200.00} plus FDCPA violation 15 USC 1692 X {$1000.00} Totals {$4200.00}
12/17/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78148
Web
On XX/XX/XXXX, I called in an " Early Cancellation '' to my XXXX XXXX XXXX Account # XXXX for our Internet/Phone/XXXX XXXX XXXX. XXXX XXXX XXXX advised that I was to pay a {$200.00} early cancellation fee, which I accepted. On XX/XX/XXXX, at XXXX XXXX # XXXX, I returned all the XXXX XXXX XXXX equipment and XXXX accepted. I have the XXXX XXXX XXXX XXXX XXXX Return Receipt w/Reference Number XXXX as proof of all equipment being returned. I kept receiving statements with amounts due for services after my cancellation date of XX/XX/XXXX. I called XXXX XXXX XXXX XXXX Customer Service several times complaining that the account had been cancelled, therefore I saw no charges owed. One Representative stated that the statement was wrong because the entire " cancellation '' credits had not been done yet ; it was suggested that I wait for the final bill. On XX/XX/XXXX via telephone w/Rep. XXXX, Rep. # XXXX, I paid a total of {$210.00} w/confirmation # XXXX which was my total balance due. I even called to re-confirm that XXXX XXXX XXXX had received my returned equipment and that the balance was -XXXX-. Then, I continued to receive statements with a balance of {$230.00} which I argued w/XXXX XXXX XXXX that I did not owe due to the fact that all my services were cancelled on XX/XX/XXXX. I REFUSED TO PAY FOR SERVICES THAT I DID NOT HAVE. Then the harassing calls start to come in constantly! XXXX XXXX XXXX kept stating that I owed the amount of {$230.00} for services received and I did not agree. I received a letter from Franklin Collection Service , Inc. dated XX/XX/XXXX. I called Franklin Collection Service on XX/XX/XXXX and specifically told the Agent that I did not owe XXXX XXXX XXXX any such sum. I explained that if they could prove that I owed a charge that I would gladly pay it but that I would not pay for service charges after my cancellation date ofXX/XX/XXXX. That's when I was told that the amount owed was due to XXXX XXXX XXXX receiving a piece of damaged equipment which was {$150.00} + services in the amount of XXXX, which totals to {$230.00}. THIS IS THE VERY FIRST TIME THAT I WAS NOTIFIED OF A DAMAGED PIECE OF EQUIPMENT. All the harassing calls from XXXX XXXX XXXX were for {$230.00} for services received. If in fact, XXXX XXXX XXXX received a damaged piece of equipment they should have taken that to XXXX because I handed all my equipment and XXXX accepted it without stating any damages. XXXX XXXX XXXX XXXX Billing Department kept increasing the monthly amount owed without a satisfied explanation. This is the main reason why I cancelled my account with XXXX XXXX XXXX. The fact that XXXX XXXX XXXX kept sending statements with a balance due of {$230.00} after the cancellation date and now they claim that the amount of {$230.00} is for receiving damaged equipment, is not acceptable. If in fact, XXXX XXXX XXXX received 1 damaged piece of equipment, why was I never notified? XXXX XXXX XXXX has been over-billing and incorrectly billing customers for many years, it is time for that to stop.
07/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 282XX
Web
Upon trying to obtain credit I was notified of a collection account for {$180.00} on my credit report placed by Franklin Collection Service Inc. When I inquired with them who the creditor was they told me it was for XXXX service through XXXX. As I inquired further, I learned it was for a rental property I own in XXXX XXXX, NC ( I live in XXXX ). The internet ( through XXXX ) was in my name personally for several years. The bill was paid through an auto draft on my bank account. Then, last year a long term tenant moved in & got utilities in his name so I discontinued the XXXX service. The bill had been drafted and I received no further notifications from XXXX so I assumed all balances had been paid. I received NOTHING from XXXX. When I contacted them after finding out about the collection they placed they claimed they sent notifications to XXXX XXXX XXXX XXXX ( which is the address of the rental property ). I asked them to send me copies of letters they sent and never received anything. The tenant living in the home now is a doctor & is very diligent about forwarding anything he receives to me. The only item I believe was ever sent was a collection letter from Franklin collection dated XXXX/XXXX/2016 which was many months after the collection had been placed on my credit report. I am XXXX and have never had a derogatory item on my credit in over 27 years. I 've been in the XXXX over 25 years so I know the value & importance of maintaining a good credit history. This erroneously placed collection has dropped my credit scores from XXXX to XXXX points. In looking to refinance my home the damage this collection has done to my credit scores is going to force me to pay a rate that is .375 % to .5 % higher than my previously sterling credit would have gotten. I 've contacted Franklin Collection & XXXX on numerous occasions to straighten this issue out and all my pleas have fallen on deaf ears. My last communication with XXXX was on XXXX. After being transferred numerous times I finally spoke with a gentleman named XXXX XXXX. I told him I was happy to pay the balance they said I owed but I wanted this collection account DELETED from my credit not just marked paid in full since showing paid in full does n't restore my scores. XXXX XXXX assured me that if I paid the account in full he would send notes to Franklin Collection to remove the collection from my credit with XXXX, XXXX, & XXXX ( the XXXX credit bureaus ). I paid the {$180.00} and waited a few weeks to check my credit again. When I checked my credit I found out he did n't do what he said he would do. The collection showed as paid & 'consumer disputes account '. However, my credit scores remained unchanged since the collection was n't removed. My only goal is to get XXXX and Franklin Collection to do the right thing and removed this account from my credit history as they said they would do. Thank you so much for your help in getting this resolved. The account number used to file the collection is XXXX if this helps in finding the account in question.
06/26/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 94601
Web Servicemember
I attempted to move the following services to my new apartment in XX/XX/XXXX : XXXX XXXX XXXX internet services The technician was unable to install the equipment because the building didn't allow services to be connected because it was a historical building. XXXX had not upgraded their high speed internet services to that area at the time so I was unable to get internet services either. I paid all services and returned all equipment. I have been through a confusing maze of different departments. My calls have been disconnected several times. Trying to defend myself against an erroneous charge has been frustrating and time consuming. I have called and held on over the course of 2 days and then many days in XXXX. I spoke with the following departments at XXXX : Accounts receivables Billing Billing Manager Combined billing Back end department Customer Loyalty Integrated services department I have been on hold for hours, in addition to being disconnected multiple times. I've spoken with the following people : XXXX, XXXX, XXXX, XXXX and other customer service reps. and managers. I have called numerous times to the following numbers. XXXX XXXX, XXXX, and XXXX. My credit score dropped after Franklin Collection Service reported to the credit reporting agencies. I called Franklin and they said that I have to go through XXXX. The impact that this collection it is having on my life is that I am trying to qualify for a mortgage and my score dropped dramatically when they began reporting this invalid debt with the credit reporting agencies XX/XX/XXXX. I am also losing work productivity because I have had to call during working hours to get assistance. I am currently on the phone now with the loyalty department and I fear that I have been transferred again without my complaint being resolved. I got transferred again to XXXX. I told her that I returned the equipment through one of their vendors. I believe it was XXXX in downtown XXXX CA. The XXXX internal investigation numbers are XXXX and XXXX. Rep. on the phone is currently telling me that I was billed for the actual satellite dish and they did not receive the other equipment : receivers and modem. I told them I returned the receivers and modem and they should have been responsible for the dish. I asked them to take notes and rep. said she didn't have to take notes because she can see the bill. I told her that if there was an investigation you should be able to notes from each individual that I am speaking with. Not every department can see what she sees. She said that she will talk to her supervisor. I need immediate help because I am trying to qualify for a mortgage. I will lose my housing on XX/XX/XXXX and have to find housing soon as possible. They are now saying that they received the XXXX modem. They are still not able to take care of this debt. They are referring me to their internal collections team now. I am now being referred back to billing. The rep. XXXX told me to speak with a billing supervisor.
08/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 39211
Web
I held an account for XXXX XXXX XXXX XXXX internet services from XXXX XXXX XXXX. When I left the service address, I requested for the account to be closed. In late XXXX, I began receiving collection notices at my new residence for billing charges that were accrued after XX/XX/XXXX in the amount of {$170.00}. As stated above, I did not occupy the residence while the charges were accrued, nor did I hold any XXXX XXXX XXXX account or receive any billing notices for these charges during this time. If this is otherwise, this is in error. In XX/XX/XXXX, I contacted XXXX XXXX XXXX customer service and the representative confirmed the charge was in error and ensured me that the charge was removed from collections. However, I recently applied for a new mortgage in XX/XX/XXXX and it was brought to my attention that this collection remains on my credit report. I was not contacted for any collection attempt ( either phone or mail ) after this date. This collection attempt will cost me thousands of dollars on my new mortgage due to increased interest rates and closing costs. Otherwise, my credit report is excellent. Over the past month ( XX/XX/XXXX ), I have contacted XXXX XXXX XXXX numerous times about this dispute and have spent approximately 5 hours on the phone with their customer service representatives and an additional 2 hours in a corporate office. I was instructed to contact Fraud, XXXX services, Billing, Collections, and general customer service, all of which were unable to help resolve the issue and transferred me to another department. My attempts in the corporate office were also unsuccessful as they informed me they were unable to view my account. On two occasions, I was promised that I would receive a call back from a supervisor. Specifically, on Tuesday ( XX/XX/XXXX ) XXXX ( Employee ID XXXX ) informed me that he could not process the request but his supervisor, XXXX, would be able to and she would contact me by end of day. On XX/XX/XXXX, I spoke with XXXX ( supervisor ) and she informed me she would contact me within 1-2 minutes of hanging up the phone as she had to walk to her desk to access the account. Each time, I never received a call back. Through the advisement of my attorney, I attempted to complete a Notice of Dispute form online XXXX XXXX XXXX on numerous occasions ; however, this form is not a functioning form and does not allow you to submit ( I attempted to submit via multiple internet browsers ). Therefore, I mailed the signed Notice of Dispute form to XXXX XXXX XXXX at the specified address on XX/XX/XXXX ; however, I have not been contacted by XXXX XXXX XXXX regarding this matter. I am requesting for attempts at collection to stop immediately. I am requesting for this collection attempt to be removed from my credit report immediately. I am requesting that XXXX XXXX XXXX confirm, in writing, the charge was an error and remove the collection attempt from my credit report.
04/13/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • XXXXX
Web
As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
10/07/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30297
Web
On XX/XX/18, I checked my credit reports because I want to make some major purchases soon. I checked and found that Franklin Collection Services had illegally posted a collection account. I have never heard of nor had an account with this company. I have no knowledge of this company nor this debt. I have never had any dealings with them. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that allege account until after I sent them a notarized debt validation letter. Attached is the spreadsheet letter I received from Franklin Collection Services that is not proof that I have an alleged account with them. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with an account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED in BLUE ink from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, they have not provided documented and written proof that I am the contractual, signed account holder and I never received such a letter about this account ever in the mail until I sent them a notarized debt validation letter. They have illegally posted and reported this erroneous account to my credit file file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws by reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously because of this account. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and other opportunity costs that have to be delayed until this illegal account is removed. Franklin Collection Services XXXX XXXX XXXX XXXX XXXX, MS XXXX
11/26/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60172
Web
In XX/XX/XXXX, i was relocating to From XXXX, back to XXXX.I called up XXXX XXXX and told them i was relocating and that i don't know the address just yet. They have put my account on hold till i get my place set up. This way no new charges will accrue.Once i established my residence in XXXX, i called up XXXX XXXX and set up an appointment for them to come out to install my service at my new residence. When they came out, they informed me that they could not set up my service at my new residence due to no signal in my area. Apparently, there were a lot of trees and buildings interfering with the signal and had no way to install it. So i called up customer service and informed them of the situation and was told since this is the case, then they will have to let me out of my contract due to weak signal in my area. I was told i would not get an early termination fee due to this.The installation guy did confirm this.When i received my bill, i kept receiving charges for an early termination fee and kept fighting to get it corrected.Also there were charges for the satellite boxes that were returned.In XX/XX/XXXX, i called again and talked to a supervisor that finally took the charges off my bill. My bill showed i owed {$0.00}. I return all 3 boxes back to XXXX XXXX at the XXXX store which i enclosed a copy of the receipts for all 3 satellite boxes.I assumed everything was good because i have not received any bills since then. Now a year later,XX/XX/XXXXi received a bill from a collection agency, stating i owe this amount for XX/XX/XXXXXX/XX/XXXXservice and is threatening to put it on my credit report. This debt had been cleared from XXXX XXXX a year ago! They are trying to collect on a debt that had been cleared by XXXX XXXX. I should not have to pay for services that i never received due to no signal in my area.This is a violation of my rights under the fair credit reporting act! It is illegal for the company to sell a debt that was cleared and not owed! This is fraud! I have a receipt for the satellite box returns. If they go back to XXXX XXXX and look at the notes dated in XX/XX/XXXX, they will see that the charges were in fact taken off my account. Its not my fault they could not get service set up for me at my residence! They assured me that the charges were taken off and i owed {$0.00}. Don't they look at their notes on my account? How can they reopen an account that was cleared out after a year? This has just happened to because in the course of the year i had got no communication regarding this debt, and all of a sudden now.It seems like someone added this bill back to my account! This is not right and want to file a complaint against this company for unfair credit practices! They can not sell a debt that was cleared by the original company!
08/05/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AR
  • 720XX
Web
On XX/XX/2020, I received a notification from XXXX XXXX about a new debt collection account on my credit report. I checked with the credit bureaus and a collection was placed on my account, lowering my credit score 66 points. I disputed directly with the credit bureaus, as I have been a victim of fraud, and have a police report indicating same. I had no knowledge of the collection account. On XX/XX/2020, I received a written notification in the mail from Franklin Collection Services notifying me of a collection account with XXXX XXXX XXXX for " Utilities ''. This letter was dated XX/XX/2020 - over seven weeks ago! This was the first notice I received and in fact, I didn't know about the collection account until I received a notification from XXXX XXXX. I know that I have five ( 5 ) days from the notice of the letter from the collection agency to dispute the debt. However, since they sent me a fraudulent letter in XXXX that was dated over seven weeks ago, they are making it appear like I had received notice, not responded, so they reported this debt to the credit bureaus. That is absolutely not what happened! Their fraudulent actions and misrepresentations have led to my credit score being lowered 66 points, over a {$75.00} " alleged debt '' that I had no notice of! I have proof that I received the notice ( attached ) on XX/XX/XXXX from USPS Informed Delivery email dated XX/XX/2020. They violated my rights, they did not allow me time to dispute the account or request validation of the debt, and they are directly responsible for lowering my XXXX credit score well below XXXX! I have worked extremely hard at building my credit and their fraudulent and improper actions have ripped that from me. The credit bureaus will not remove the collection account because Franklin has reported it as a valid debt without providing notice to me or validating the debt. In addition to their improper actions, I had placed a fraud alert with all three credit bureaus on XX/XX/XXXX due to receiving notice that my identify has been stolen. I have a police report filed on that same date proving identity theft. In addition to Franklin Collection Services 's misrepresentations and violating my rights, the credit bureaus allowed an unverified collection account to be placed on my credit file AFTER I had placed a fraud alert and provided a police report. I have been the victim of improper actions by Franklin Collection and by the credit bureaus. My score is drastically lower which will effect many areas of my life - including buying a house, buying a car, my auto insurance premiums, etc. I will seek damages if they do not correct their actions and go through the proper, legal channels to verify this alleged debt.
10/26/2015 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33328
Web
I RECIEVED A LETTER FROM FRANKLIN COLLECTION SERVICE INC AT MY FLORIDA RESIDENCE STATING I OWE XXXX AND THEN TOTAL DUE ALL CREDITORS XXXX THE PARTY THEY ARE COLLECTING FOR ON THEIR PAPER XXXX THE FIRST LETTERS SHOW FALSELY LIKE THEY ARE A CHECK.SINCE I DO ALL MY XXXX AT XXXX I CONSIDERED THE LETTER FRAUDULENT AND THREW IT AWAY AFTER CALLING AND BEING DENIED THE NAME AND WEBSITE OF THE GOVERNMENT ENTITY RESPONSIBLE FOR COMPLAINTS AGAINST THEIR BUSINESS AND ITS PRACTICES. I ALSO RECIEVED A THREATENING PHONE CALL ABOUT CRIMINAL CHARGES REGARDING MY DEBT THAT WAS LATER ERASED OFF OUR ANSWERING MACHINE. WHEN I TRIED TO CONFERENCE MY INSURANCE COMPANY TO THE COLLECTION AGENCY THE NUMBER SUDDENLY DID NOT WORK AND IT HAD ONLY MINUTES BEFORE. THE INSURANCE COMPANY COULD NOT LOCATE A BILL XXXX IN MY CLAIMS. I TYPED THE COLLECTION COMPANY A LETTER REQUESTING DETAILS ABOUT THIS DEBT AND TO WHOM IT WAS OWED LIKE DATES CONTACT INFORMATION FOR THIS BUSINESS I OWE WHAT SERVICES WERE RENDERED AND HOW IT WAS SUBMITTED TO MY INSURANCE AND CLAIM STATUS AND DETAILS. I STILL HAVE NOT RECIEVED A RESPONSE AND ITS BEEN MONTHS AND THE RUDE MAN WHO REFUSED TO LOG A COMPLAINT OR ALLOW AN EXECUTIVE COMPLAINT OR TO ELEVATE MY CALL OR PROVIDE GOVERNMENT COMPLAINT INFORMATION SAYS THEY HAVE NO RECORD OF RECIEVING CORRESPONDENCE FROM MYSELF OF ANY KIND. I FEEL THEY CAUSED THE TELEPHONE LINE ON THIS EARLIER STATEMENT TO BECOME DISCONNECTED AFTER I STATED THEY HAVE A LEGAL OBLIGATION TO DISCLOSE WHERE I CAN FILE A COMPLAINT AND THAT REFUSING IS CRIMINAL THE MAN MUMBLED AND I SAID I DIDNT HEAR HIM AND HE REFUSED TO GIVE ME THE WEBSITE AND THE CALL ENDED. I COULD NOT REACH THEM TO CALL BACK BECAUSE THE PHONE LINE WAS NO LONGER IN SERVICE FOR MYSELF OR FOR MY INSURANCE COMPANY TO CONTACT THEM. THEY ALSO SAID THAT IF I PAID ELECTRONICALLY OVER THE PHONE OR THE INTERNET THIS DEBT WOULD NOT EVER SHOW ON MY CREDIT REPORT AND THAT IF I PAID THROUGH THE MAIL THEY WOULD NOT REMOVE IT FROM MY CREDIT REPORT BUT ONLY DISCLOSE TO THE CREDIT AGENCIES THAT IT HAD BEEN PAID AND THAT IT WOULD REMAIN ON MY CREDIT FOR SEVEN YEARS THEREAFTER. THE DEBT COLLECTOR MADE THREATENING CALLS AND PRESSURED PAYMENT BY OTHER MEANS THAN BY MAIL STATING PAYING BY MAIL WOULD DAMAGE MY CREDIT AND THE COLLECTION SUPERVISOR PURPOSELY DID NOT GIVE OUT THE WEB ADDRESS OR INFORMATION I NEEDED OR TELL ME WHERE I COULD FIND IT HE PURPOSEFULLY MUMBLED TO OBSCURE WHAT HE WAS SAYING TO ME. I AM VERY UNHAPPY ABOUT MY EXPERIENCE AND STILL DON'T KNOW WHO I OWE WHY I OWE THIS AMOUNT OR WHERE THIS HAPPENED AND IF A HOSPITAL OR FACILITY AND IF THEY FILED A CLAIM WITH MY INSURANCE BECAUSE XXXX DOES NOT SHOW IN MY INSURANCE CLAIMS
02/03/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 864XX
Web Older American
XXXX I ordered XXXX and they installed their dish on my roof at my current address. ( XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX ). XX/XX/XXXX I cancelled XXXX. They sent a box to return their equipment in to my current address ( XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX ). XX/XX/XXXX Franklin Collection Svcs Inc posted an unpaid debt on my credit report. They did this without notifying me first. Franklin Collection Svcs Inc XXXX is your case number with our company XXXX is the case number for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ext : XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX I contacted XXXX but they could not find any record of me. Franklin Collection Svcs was able obtain a statement. On this statement I noticed the service address is wrong. They have been sending statements to the wrong address. I have never received a statement from XXXX or XXXX XXXX XXXX showing a balance due. They should have sent the statement to the address where I live and where their equipment was installed. Franklin Collection Svcs Inc had my credit report witch shows my current address. They could have used my current address to contact me before posting ( without any prior warning ) an unpaid debt on my credit report. Instead they chose to start harassing me by ( without any prior warning ) posting an unpaid debt on my credit report. I work very hard to keep my credit score high, I would never miss a payment. Even with all the facts Franklin Collection Svcs Inc continues with the absolute worst form harassment by not removing this unpaid debt from my credit report. If XXXX wants the {$85.00} then they need to send a balance due to the service address where I live and where their equipment was installed. First email to Franklin Collection Svcs Inc Without giving me any advanced warning you added an unpaid debt to my credit report. This form of harassment has cussed me great harm. Your action has cost me far more than {$390.00} you are trying to collect. My XXXX score has dropped from XXXX to XXXX points. You have humiliated me, ruined my credit and embarrass me. XXXX has not provided me any reason for this unpaid debt. This harassment must stop. Remove the unpaid debt from my credit report immediately. From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX : Re : Information Requested Current Address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
06/09/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43110
Web Servicemember
This company is trying to collect a debt from me that I do not owe. I have written this company twice and they refuse to respond to me or take any action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRANKLIN COLLECTION SV XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I OWE {$110.00} FOR A COLLECTION. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
06/01/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 956XX
Web
I never received a single bill or notice of collection from Franklin Collection Services. I learned of it when I got a negative credit report notification. When I saw the collection on my credit report (the first I had heard of this bill, and in the middle of buying a house), i called them to inquire re: what company I owed money to. They told me it was XXXX. I then said thanks, I will contact them directly to sort out the situation, to which the woman on the phone said, "they won't talk to you about this bill. The only way to get this to go away is to pay us." To which I said, "well, I can't have this show up on my credit report because I'm in the middle of buying a house." She continued to reiterate that I had no choice but to pay them if I wanted to be able to close escrow on my house and that the company I owed money to wouldn't talk to me. This collection company had XXXX phone numbers listed on my account and according to the representative, they had been calling the primary number for the past month. I don't know where they got that phone number, because it is my parents' phone number, and I never give that number as a point of contact because calls there will not reach me. There is absolutely no record of this company trying to call the primary phone number she claims. They left XXXX voicemails. She admitted that they never even tried calling the XXXX number they had on file, which is my correct personal phone number. I hung up with Franklin Collection and called XXXX anyway. The whole situation is made even more ridiculous because I have a current account with XXXX, associated with my same name, telephone number, and Social Security number as the past account. In addition, I have been physically in the XXXX store, talking to an associate about my current account, multiple times during the past XXXX. I have also gotten multiple emails from XXXX regarding my current account. It is hard for me to believe that they could not contact me about this bill in any fashion other than sending a piece of paper to a very old address and then sending me on to a collection company. XXXX apologized about the situation and for not contacting me about the bill. I paid the amount owed (all of this for only $XXXX!) and they promised to contact the collection company to have them remove this from my credit report. The collection account was not in fact removed, and still shows up on my report.
08/20/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33407
Web
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXFRANKLIN COLLECTION XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou 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 cannot 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) ApplicabilityThe 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 constructionNothing 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 FRANKLIN COLLECTION XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of CaliforniaStop collection proceedings against me• Signatures on applications and accounts• Investigators reportXXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
02/05/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33436
Web
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious FRANKLIN COLLECTION SVCS INC Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
11/26/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • XXXXX
Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX FRANKLIN COLLECTION Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious FRANKLIN COLLECTION Reported : XXXX XXXX, XXXX 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 U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX
06/10/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33418
Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX FRANKLIN COLLECTION SV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious FRANKLIN COLLECTION SV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
06/23/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • XXXXX
Web
To Whom It May Concern, The reason for my dispute is FRANKLIN COLL SVC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, FRANKLIN COLL SVC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) FRANKLIN COLL SVC # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA XXXX with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 O.R.C.Taking assignment of debts Section C paragraph 3. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where FRANKLIN COLL SVC # XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
04/11/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 70805
Web
I would like to submit a complaint regarding Franklin Collection Services, located at XXXX, Mississippi XXXX, for reporting time-barred, obsolete unknown medical accounts ( # XXXX, XXXX, and XXXX ) on my XXXX credit report # XXXX and my XXXX credit report # XXXX. I have mailed Franklin Collection Services at least numerous letters during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; requesting their company cease and desist collection activities and to validate the unknown, time-barred, obsolete medical accounts/debt they are reporting on my credit report ; in accordance with the federal Fair Debt Collection Practices Act, 15 USC & 1692g, Title VIII Debt Collection Practices and Louisiana and Mississippi collection laws. Franklin Collection Service has not ceased collection activities and has not validated the unknown medical accounts/ debt in the specific guidelines set forth in the letters per the Federal Debt Collection Practices. Moreover, I have repeatedly asked/requested via letters I mailed to Franklin Collection Services to produce a signed contract signed by me for these unknown medical account ( s ) /debt/services, and Franklin Collection Services has not produced a contract or any of the other requested information I asked this company for to validate these unknown medical accounts/debts. In addition, the unknown medical accounts/debt are time-barred in Franklin Collection Service home state, Mississippi. Per the debt collection laws in Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Clearly, not only is Franklin Collection Services violating Mississippi state debt collection laws by attempting to collect a time-barred debt/account ( s ) but the federal debt collection laws as well, per the Fair Debt Collection Practices Act at 15 USC 1692 et seq., and which states in relevant part : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, '' which includes " the false representation of the character ; or legal status of any debt, '' and " the threat to take any action that can not legally be taken, '' all of which are violations of state and federal debt collection laws, as well as fraud.
02/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35802
Web Servicemember
Beginning in XXXX while I was in the process of retiring from the XXXX I was informed that someone had stolen my identity ( name, social security number, date of birth ), and used it to obtain fraudulent prescriptions. This was investigated by the authorities and proven to be identity theft. Since then, Ive had several fraudulent pay day loans taken out under my name, fraudulent medical bills, fraudulent credit card and personal loan applications applied for, and other fraud related activities. I never received anything in the mail so as I could dispute it. I was checking my credit and one day all of the sudden I had a collections for {$290.00} from Franklin Collection Services Inc opened XX/XX/XXXX. Ive made several ( more than 10 ) phone calls to Franklin Collection Services Inc and was contestants given the runaround. No one ever returned my phone calls. I sent countless emails and once again no one returned any of the emails. So I filed a complaint with The XXXX XXXX XXXX. They responded about 10 days after I filed the complaint and said that their original creditor states that this was a debt because my VA insurance would not cover a visit to see the doctor. Since a dialogue was opened I accepted the businesss response in good faith. After Doing that I was not able to get a hold of anyone once again. Since Im a military retiree Ive had XXXX beginning in XXXX to this very day. I bring this up because I dont have, nor have I ever had VA insurance. This is not a billing issue as Ive tried to explain to them previously. This is fraud. I have several pieces of fraud related evidence from the authorities that Id be more than willing to share. I would appreciate some guidance from Franklin Collection Services Inc in how to remedy this ( remove this from my credit report ) so I can continue to rebuild my life. There must be internal company fraud forms? Surely Im not the very first person to have a fraudulent collection from this collection agency. Im fed up with this collection agency and am almost at the point of filing a formal complaint with the Mississippi Attorney Generals Office, and possibly retaining a lawyer to seek civil damages. This fraudulent collection has negatively affected me receiving financing two separate times. Thank you for your time and consideration in this matter.
01/22/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32746
Web
Around XX/XX/XXXX I moved into a new place and needed internet service. I chose XXXX as my provider. The technician came and set everything up, however, I immediately started having problems with the internet - it was going in and out every few minutes. I contacted XXXX, they couldn't fix the problem over the phone, so they sent another technician. The technician couldn't find any problems, so he recommended I raise my internet speed and that would fix the problem. I called XXXX and increased my internet speed, which would also increase my future bills. XXXX customer service rep told me to give it some time and that it should work. After giving it a week or so, I realized that internet service was not better, the internet connection was still in and out every few minutes. Since I am required to have internet for work and XXXX could not help me, I decided to switch providers. I was assured this would not be an issue, since new customers have a one month to try XXXX free of charge and switch to another provider. When I called XXXX to cancel my service, I specifically asked if i owed them anything and was assured that there would be no bill/no charge, since I was cancelling within a month. I was also told to ignore any bills that might come in for a month I had the service, that they were already generated before I cancelled the service. I did receive on bill that but ignored it as instructed. To my surprise, XXXX reported this amount to a collection agency. I called collection agency, explained what was going on and they were going to look into it. I do not believe I received any further information from them. This is a small amount to argue about, however it is not okay to fool customers telling them they have a month to try their service with no penalty, especially since I wanted XXXX but they could not figure out why my internet was breaking. It is not okay to be told nothing was owed and then charge entire month of service which I couldn't even use. This is the reason why I have not paid this collection amount, as I am sure there are other customers out there who are/were in the same situation and who were taken advantage of. This is why I am disputing and reporting the problem here. Thank you. Date of service : around XX/XX/XXXX Date reported : XX/XX/XXXX Amount : {$120.00}
02/06/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 775XX
Web
I have contacted Franklin Collection regarding an account that they claim that I owe them for an alleged debt in the amount {$1500.00} for a company they represent by the name of XXXX XXXX XXXX. I know for a fact I have never had any dealings with Franklin Collection nor the company that they represent. I have asked Franklin Collection to provide some type of competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them or the original alleged creditor. However Franklin Collection has failed to provide this information.I have continued to do my own investigation and have found that I am a victim of identity theft and this account is a result of identity theft. However due to Franklin Collection ignoring my request to validate and verify this account I think they do know this as well and proceeded to report this fraudulent account onto my credit file anyway. In accordance with the Fair Debt Collection Practices Act, I am asking Franklin Collection to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request
11/20/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • XXXXX
Web
On XX/XX/XXXX I went to the emergency department of XXXX XXXX XXXX in XXXX, AL due to inexplicable bleeding and pelvic pain. I didn't see a bill from the hospital in months and later to get out an abusive relationship causing me to move back to Texas in XX/XX/XXXX. When I moved back home to XXXX on XX/XX/XXXX, I changed my address so my mail could be forwarded to me. I never received any documentation from the hospital regarding my bill at my current address. The only thing I received was collection calls regarding the physician bill ( XXXX XXXX XXXX XXXX and I paid a settlement of {$100.00} on XX/XX/XXXX at XXXX XXXX and given the confirmation number XXXX ). I figured everything was fine until I received another phone call on XX/XX/XXXX from Franklin Collection Services Inc. regarding my account. The representative I talked to couldn't explain what the bill of {$150.00} was regarding so I contacted the company on XX/XX/XXXX regarding verification of this bill and initially tried to dispute it due to never being informed of this bill. On XX/XX/XXXX the company enclosed a copy of the original creditors billing statement inside it entailed the price adjusted for my treatments and that my bill went into collections on XX/XX/XXXX but no one has documentation that the bills were sent to me. Since the debt was verified as mine on XX/XX/XXXX, I submitted {$5.00} to start making payments, however on XX/XX/XXXX, I notice they took more from my account than what I submitted on the slip they provided thus causing my account to go into the negative. On XX/XX/XXXX the bank returned the amount that was taken out back to my checking account, but I was charged a returned item fee of {$36.00} making my account in the negative for {$20.00}. On XX/XX/XXXX I received a notice of " dishonored instrument '' saying according to Mississippi Law they are putting an additional charge of {$40.00} to my debt. I am hesitant to pay them back since I couldn't even trust this company with {$5.00} and it irks me that the company never contacted me within five days with a notice of my debt that includes the following information : the amount of the debt, the name of the original creditor to whom the debt is owed and a statement describing your right to dispute the debt.
08/04/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 10301
Web
This is regarding XXXX and the " newest '' collection agency that they're using-4th one in almost 3 years. The name of the newest one is The Collection Firm of Franklin Collection Service , Inc. in XXXX, MS XXXX XXXX has a known habit in disposing of one collection agency and moving on to another when they don't get their way. This one, however has offered a {$74.00} " discount '' if I pay the bill-they state that I owe {$240.00} which is false. I returned equipment at my expense XX/XX/XXXX and was informed that I would have to pay an early cancellation fee which at the time was {$350.00} yet when I moved from one home to another " in the same area '' I was told that no fees are applicable which I knew as it was just a transfer of service. After this they decided to implement the above fee but it was changed to {$480.00} and the total they were trying to obtain was {$650.00} which I knew was wrong but ... .they even tried to bill my credit card for {$650.00} XX/XX/XXXX without my permission but luckily the bank denied it. I've paid them {$410.00} as of XX/XX/XXXX and they owe me money for falsely adding premium channels at {$53.00} a month which I never authorized or ordered-they did this automatically. They're determined to get {$650.00} and at this point I'm realizing that no one will ever assist us people who have been ripped off by XXXX, they're not on this site either-they have too much power and every day I pray for someone, anyone to bring them down once and for all. This problem should have been resolved a long time ago and I should have received a refund from them but I haven't and now another collection agency has contacted me asking for {$240.00} and {$170.00} if I accept the discount. Again, I paid them {$410.00} which is over the {$350.00} early cancellation fee AND again, they added those premium channel fees at {$53.00} a month. I wrote to them so many times, to various addresses that they use. They continue calling me as well from various area codes. They have NEVER replied to my correspondence and I have finally stopped writing to XXXX. Thank you for your time and please help us from this deceptive, lying company once and for all. There are so many others in the same situation as us. Thank you.
11/27/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NE
  • XXXXX
Web
The Franklin Collection Service is trying to collect on a debt that I had from XXXX in the amount of {$450.00} that was settled and paid through another collection agency, XXXX XXXX XXXX for 50 % of the balance in the amount of {$220.00} on XX/XX/2020, and is refusing to review and remove this debt from my credit report. I have sent XXXX, XXXX, and Franklin Collection Services all of the settlement and resolution documents through multiple disputes with all three agencies for the past three months that prove I have resolved and paid the creditor XXXX debt, and all three are refusing to remove this item from my credit report. Originally, this debt was being collected upon by two separate collection agencies, XXXX XXXX XXXX and Franklin Collection Services, and XXXX XXXX XXXX was the agency that I chose to work with to clear this debt. Ironically, XXXX and XXXX both accepted the resolution documents to clear the XXXX XXXX collection account and remove it from my report, but are failing to see that this is a duplicate collection account on the same debt from the same utility company even after I have explained it clearly. I provided the contact information of the representative " XXXX XXXX '' of XXXX XXXX XXXX, the confirmation number of my transaction and the account summary that names the creditor, myself, and the request to all credit reporting agencies regarding this account be deleted or removed from their records. I feel that Franklin Collection Services are continuing their actions due to I chose to work with XXXX XXXX XXXX and not them and are illegally trying to force me to pay this debt twice through strong arm tactics with my credit report through XXXX and XXXX that I have no control over which both XXXX and XXXX are assisting Franklin Collection Service in doing so. Even after all of my attempts to follow all of the proper disputing steps of each agency to do my part in resolving my debt, Franklin Collection Service, XXXX, and XXXX have ignored the facts that I have provided before them and are continuing to work together to continue to collaboratively inflict negative credit damage to a consumer that has been following their posted credit repair procedures.
04/12/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 770XX
Web Servicemember
On XX/XX/2019, Franklin Collection Service ( XXXX XXXX XXXX XXXX XXXX, MS XXXX ) marked a collection on my XXXX and XXXX credit reports, severely damaging my credit without any notice nor proof shown. I NEVER received a single letter from Franklin Collection Services, and when I called them to validate the debt, they claimed to have sent 3 letters to an address in XX/XX/2019. I have not lived in that address for over THREE years, and there is absolutely no way for me to ever receive this mail. The did not notify me of the debt, nor did they notify me of the collection. Further, I then sent a letter on XX/XX/2019, via Certified USPS mail ( Tracking : XXXX ) to Franklin Collection Services requesting immediate validation of the debt they claim I owe. This debt has never been validated, and I have seen absolutely zero proof of the validity of this debt. In my letter, I asked Franklin Collection Services to provide me with this validation of the debt. They have been non-responsive and ignored my letter ( which I confirmed with USPS was delivered on XX/XX/2019 ), and continue to report the collection on my credit report, which is having a highly negative effect on my ability to obtain credit. I believe that Franklin Collection Services is using the negative impact of the derogatory remark on my credit against me in an attempt to make me pay them money for the debt that have failed to validate. This is a direct violation of my rights. Moreover, the lack of response and providing validity of this debt they claim I owe, then proceeding to severely damage my personal credit file is in direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } and the Fair Credit Reporting Act. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, it is my right to dispute the claim and request validation. Under the Fair Credit Reporting Act, it is in direct violation to severely damage my credit with a debt that has NOT been validated. This collection agency has over 100 complaints with the XXXX XXXX XXXX ( XXXX ) and is clearly operating illegally and/or unethically. Please investigate this issue as soon as possible.
02/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • XXXXX
Web
Creditor Information FRANKLIN COLLECTION XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Attn : Resolution Department Re : FRANKLIN COLLECTION Dear Collections and Consumer Relations Dept : I am writing to dispute the following information in my credit report and/or file. I have circled the items I dispute on the attached copy of the report I received. This is the second time I have been informed that there is negative information reported by you Franklin Collection and the original alleged creditor ( s ) XXXX XXXX XXXX, in the records of the credit bureau records for XXXX XXXX XXXX which maintains under my Social Security number. Upon ordering a copy of the report ( s ), I see an entry from Franklin Collection for an alleged amount of {$0.00} dollars. Secondly you state that I had a high balance of {$42.00} which is also inaccurate. Please validate this information with XXXX XXXX XXXX and your records, and provide me with copies of any documentation associated with this alleged amount you state I owe bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security number and removed from the all three ( 3 ) credit bureaus. I am formally requesting that you provide validation of this alleged debt and in the absence of any such alleged debt that you immediately remove any and all information that you have reported to the credit bureau. I am formally disputing and officially notifying you that I dispute any and all alleged debts stated in your notice. XXXX XXXX disputes your debt collection-related allegations and inaccurate reporting, denies the same, and demands strict proof and verification thereof. This dispute, denial, and demand are made in accordance with federal law. Pursuant to the XXXX Fair Debt Collection Practices Act and the Federal Fair DEBT Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) your claim is disputed, and validation is requested. I am finding it very difficult to apply for credit and gain access to credit because you have reported inaccurate information.
05/10/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • XXXXX
Web
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT FRANKLIN COLLECTION SERV To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
04/17/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33426
Web
XXXX XXXX XXXX is reporting the same debt with XXXX collection agencies on my credit report which is against the law ( FCRA ). They are reporting it with a company called XXXX IN, account number XXXX and Franklin Collection Services, account number XXXX. XXXX XXXX XXXX is trying to collect a debt in which I do not owe. I contacted the company explaining to them that they are charging me for 2 months of service when I had the service less than a month. I went to XXXX XXXX XXXX because they were one of the service providers that offered the discount for lifeline. The XXXX XXXX XXXX rep indicated that they can offer be a better service and did not provide my lifeline discount which was the reason I went to the company for lower rates which it did not pan out to be that way. I obtained the service with XXXX XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX because I called in because the equipment had not arrived and I am sure they can check there records of that. I switched my service back to XXXX on XX/XX/XXXX which was less than a month of service. XXXX made an error and assigned me at new phone number which was XXXX. But, when I went back to XXXX they were supposed to port my original phone number that I had with XXXX then XXXX XXXX XXXX but they did not. I tried to explain to XXXX XXXX XXXX as the party I spoke to said that you had to use our services because you had to have the phone for the internet. I tried to explain, that they XXXX had already gave a new phone number so therefore all my services were active with XXXX and when I discovered they had not ported my old number like they were suppose too, they ported it in. But I asked for someone in management to explain I was not using their service from the date of XX/XX/2016, was told someone would contact me, never heard anything and now I discover they have the debt on my credit reports with the XXXX collection agencies which is against FCRA and are suppose to be deleted by law. I have had XXXX in the past and always paid my bill and never had a negative circumstance and extremely upset they would result to this unfairly,
04/23/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • XXXXX
Web
In XX/XX/XXXX I ordered XXXX & XXXX XXXX internet and XXXX XXXX bundle. XXXX XXXX was installed but no one ever came to install internet. after 2 days i was told XXXX XXXX wasnt available in my area and i couldnt get the bundle discount XXXX canclled my entire account including XXXX XXXX and got internet and cable from a local providr. in XXXX of XXXX i discovered a negative mark on my credit score from an XXXX XXXX XXXX debt collection i knew of. i gave spent the last 2 months calling and emailing Franklin collection agency and XXXX XXXX XXXX for info. They said I owe XXXX dollars for DSL internet. i have asked both XXXX XXXX XXXX and Franklin collections for proof of internet service provided by XXXX XXXX XXXX. a bill, a copy of a contract, a service agreement, ANYTHING to show why they have billed me. I have recieved nothing. I have spent dozens of hours on the phone with Franklin and XXXX XXXX XXXX and constantly get transfered, told to call other numbers, told to call the collection agency because XXXX XXXX XXXX doesnt have the debt anymore and has bo record of it and the collection agency tells me i have to call XXXX XXXX XXXX to get the details of the bill. no one has helped me. i have copies of emails i sent, requests for documentation, phone records, names and id numbers of representatives I have spoken to and I have no answers from anyone but they will not discarge the debt or provide any billing info. At no time has employee from XXXX XXXX XXXX internet service entered my home or property to install or set up any internet service or equipment. at no time has any employee from ANY internet service provider associated with or representative of XXXX XXXX XXXX entered my property to install any intermet service or imternet service equipment and I affirm that I have never at any time had XXXX XXXX XXXX service installed or activated in my name. these charges are fraudulent and XXXX XXXX XXXX and Franklin services are using abusive and evasive practices to perpeutuate these fraudulent collections. i need asistance desperately.
10/29/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • MI
  • 497XX
Web
Franklin Collection Service called me at work, caller 's name was XXXX XXXX. When XXXX identified herself and told me that she was calling from a debt collection agency, I told her that I can not accept these calls at work and that she needs to call my cell phone. XXXX then yelled at me and told me that she can call me anywhere that she wants. I then got very upset, and I told XXXX that she is under no circumstances allowed to call me at work, as my employer does not allow it. XXXX then yelled at me again and said " then why don't you pay your bills? Maybe if you'd just pay your bills, I wouldn't have to call you at work. '' I told XXXX that if she did not quit harassing me, that I would be speaking to my lawyer. XXXX said " you go right ahead and get your lawyer, ma'am, he ain't gon na help you. You need to pay your bills. '' I then asked for XXXX 's full name, she said " XXXX, but I already told you that, you don't listen. '' I said " What is your last name XXXX? '' She said " XXXX. '' I said " What is your phone number where I can reach you at? '' She gave me the phone number. Then I asked to speak with her supervisor. XXXX said " you can speak with my supervisor, ma'am, but he ain't going to do nothing for you. '' The supervisor was a male, and he was just about as rude as XXXX. He got very offended when I asked for proof of my debt through XXXX, and he again told me that I just needed to pay the bill. I told him that I will not be paying any bills, as I do not believe that the amount is correct, and I am disputing the balance. Supervisor still pushed to have me " take care of my bills '' after being told I was disputing it. I told the supervisor if they wish to see any payment, they need to have less attitude and treat people with respect. I said " I have already told you that I am disputing this charge, and if you do not quit harassing me, you can follow me around for the next 7 years until it falls off. '' At this point the supervisor stated to me " I see that you know your rights. You have a good day, XXXX XXXX. ''
11/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 49401
Web
Good day, In XXXX of XXXX I found that the Franklin Collection Service , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MS XXXX, had placed on my credit a notice of collection from XXXX XXXX XXXX for a debt of {$73.00} that is not mine. I contacted them immediately as soon as I found out about the collection attempt. Basically, they are requiring me to prove that the debt is not mine. To date, they have refused to remove this erroneous collection attempt from my credit record. What follows is a recent email that I sent to them : '' To Whom It May Concern, On Saturday I received from Franklin Collection Service , Inc. a copy of an XXXX invoice dated XXXX XXXX for an address in XXXX XXXX, Michigan with my name ( or another XXXX XXXX ) on the invoice. Know that I have lived at my current address in XXXX, Michigan for THREE YEARS beginning in XXXX of XXXX. My current address is XXXX hours from XXXX XXXX, Michigan. Prior to that I lived in XXXX, Michigan from XXXX XXXX to XXXX of XXXX. Prior to that I lived in the XXXX, Michigan area all of my life. I have never lived in XXXX XXXX, Michigan or even in XXXX XXXX, nor have I owned or rented property there. Clearly someone has used my name to initiate service at an address that I know nothing about. I have never requested service there, signed anything asking for service there or given anyone my permission to do so. Unless you are able to produce documentation showing that I initiated service at this address in XXXX XXXX, Michigan you are obligated under the Fair Credit Reporting Act to remove the derogatory information that you have erroneously placed in my credit file. My next act will be to file a complaint with the Federal Trade Commission. Thank you in advance for your prompt attention in this matter. Please respond to me within XXXX hours indicating how you wish to proceed. If I hear nothing by the end of the week I will file my complaint. " At this point I am frustrated as I am also attempting to secure a mortgage and this issue is causing significant problems.
05/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • AR
  • 72764
Web Servicemember
On XX/XX/2020, I contacted Franklin Collection Services to come up with a mutually beneficial solution to my debt in the amount of {$720.00}. After explaining that I am in possession of a letter stating that another debtee had their debt deleted from the credit bureaus, I was told that that letter was not from FCS, because they did not delete anything from credit reports. I called again the following Wednesday to try to come up with an agreement again. After speaking with them, they told me that they were only collecting a debt FOR XXXX XXXX XXXX, that they had not purchased the debt, and that XXXX XXXX XXXX would not approve a deletion. I then called XXXX XXXX XXXX, who informed me that the debt was no longer in their system, indicating that it HAD been sold to FCS. XXXX XXXX XXXX explained that they were not in any way preventing an account deletion from a credit report. I called FCS back, and was told they could delete my account from the credit report. I said I would pay 50 % of the debt, ONLY if they agreed to delete the account from my credit report. Two days later, I emailed them with the letter of deletion from a different account as a reference, and FCS responded with stating that it was not an XXXX XXXX XXXX deletion letter and they only did deletions for medical debt, therefore they would not delete my account from the credit report. I have since received two letters from them stating that I have failed to pay a payment agreement for the full amount of the debt. I NEVER agreed to pay the full amount, and, in fact, never authorized a payment or agreed to make a payment without the assurance that my account would be deleted from my credit report. I am being blatantly discriminated against and treated differently than other debtees. They have given me a runaround, after spending an inordinate amount of time trying to come up with a mutually beneficial solution, only to be fed conflicting resolutions, and then be told that I made an agreement to pay the full amount.
12/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92019
Web Servicemember
I was contacted by the company, Franklin Collection Services on XXXX XXXX about an apparent debt that I owed to XXXX. I informed the woman on the phone that I was not aware of a debt to XXXX and would like a letter from XXXX stating what my debt actually was. She said that it would take time to get the letter but that calls would continue until then. I understood this and someone else called around a week later and I stated that I was aware of their companies attempt but that I was still waiting on the letter from XXXX. She said she saw the request and hung up. Then today, XXXX XXXX, I receive a call from a male employ at the company and I state that I 'm still waiting for the letter and he rudely informs me that the letter is not coming because I do n't rate XXXX. I explain to him that I previously requested this letter and XXXX previous employees told me it was coming and counters with that I 'm not getting XXXX because I did n't ask in writing. I tell him that this is right to lie to people and it is against the law and he tells me I do n't know what I 'm talking about. I then tell him that I 'm aware he works for a company that gets paid based off these abilities to collect and he again tells me that I do n't know what I 'm talking about. He then cuts me off in the middle of my sentence and asks me if I 'm just going to pay the debt or not and I tell him no, not without the letter and he says that I am being written down as a refusal to pay and hangs up on me.I look up my rights through the cfpb information database and call them back and tell them that they have violated my rights by lying to me and they put me in touch with the supervisor. As soon as I tell him that I am aware of my rights, he is able to immediately supply me with a form from XXXX that supposedly I did not rate up until the point that I informed them that I was aware of my rights. This is very shady and bad business in my opinion and know I honestly do n't know if I can trust this company.
03/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • NC
  • 280XX
Web
I have been a mobile phone customer of XXXX XXXX XXXX for 16 years, never once was I late on a payment. Last XXXX I ordered a XXXX line from XXXX XXXX XXXX but decided to use a local company called XXXX XXXX instead of XXXX XXXX XXXX. I cancelled the XXXX account which XXXX XXXX XXXX has confirmed and sent back the modem per their instructions. I am currently applying for a mortgage, I am an SVP in the mortgage division of a major bank, they advised me that I have an {$82.00} charge off from Franklin Collection ( XXXX ) XXXX that was referred to them by XXXX XXXX I had no knowledge of this account. The charge off has lowered XXXX of my credit scores from the high XXXX '' XXXX to the high XXXX 's. I called Franklin Col and they advised that the {$82.00} charge was for the set up fee of the XXXX modem. When I told them I never received any notice of this debt and was completely unaware of it I found out they were mailing the notices to the wrong mailing address. I live in a townhouse with a street address of XXXX XXXX XXXX XXXX, NC XXXX but XXXX XXXX will not deliver any mail to this address, it must go to my XXXX XXXX XXXX XXXX, NC. XXXX XXXX XXXX had the correct mailing address information for my XXXX XXXX XXXX mobile accounts ( I get a paper bill for my mobile accounts every month from XXXX XXXX XXXX ) as well as my cell phone number and email address but apparently did not pass this information to Franklin Col. I have made XXXX or more combined phone calls to XXXX XXXX XXXX and Franklin Col to pay and get my credit report changed due to the lack of notice but all they will tell me is to make a payment. I have made the payment with no paper bill but that is not my major concern, I now have credit scores XXXX points less and will have to pay potentially hundreds if not thousands of dollars more for a mortgage for a debt I did not know about and was never notified about. Can anything be done to help me get this repaired. XXXX XXXX XXXX XXXXXXXXXXXX
01/12/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70058
Web Servicemember
Today ( XX/XX/XXXX ) I placed my fourth call to Franklin Collection Services. Previously I contacted XXXX XXXX XXXX to dispute this derogatory information. XXXX XXXX XXXX tells me that I have to deal directly with Franklin Collection as they have taken over my account. The account being an XXXX account in the amount of {$490.00}. On four separate occasions I have called Franklin Collection and each time the representatives that I have spoken to have been EXTREMELY rude, especially XXXX XXXX ( XX/XX/XXXX ). I was able to determine that the address they have for me on file is not mine. I have sent in a lease agreement and also a police report to confirm that the information they have is not me and is a result of identity theft ( XX/XX/XXXX ). They do not care and instead of being receptive to the information that I sent and finding common ground I am meant with hostility, sarcasm, accused of doctoring a police report, etc. I am not willing to pay for a debt that I do not owe. I have been diligently working on my credit in hopes to purchase a home. I have had credit issues in the past and have to pony up the money the money to pay collections, and get my accounts into good standing. I have no problem doing this, but only accounts that are mine where I have incurred the debt. When I spoke to the representative XXXX today she told me to " hold on tight because they have 60-90 business days to investigate ''. This has to be illegal. I will fight this tooth and nail.This is not my account. Franklin Collection is unwilling to discuss professionally and instead resorts to rude snarky and threatening dialogue. I mentioned to XXXX XXXX that I was trying to purchase a home and she said with collection amount like this it is unlikely I will get a house. Who are these people? I will not be bullied or talked to like this, finding out that an unauthorized account was opened in my name is hurtful enough.I will not continue to be victimized
03/24/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 393XX
Web Servicemember
I received a bill from you on XX/XX/2018 regarding account XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
10/05/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MS
  • 390XX
Web
First of all I went to the ER with chest pains. I was told I needed observation over night. All this added up to a huge bill in the end but instead of sending a single bill ... I was hit with more than 5 split up Bill 's which are harder to deal with for one you arent sure the direction it came from and exactly who you owe and for what. After giving my ins. Co.any time to pay which didnt help much because there is a HUGE deductable which I dont understand because I pay a huge amt each paycheck for the ins. For it not to help me much. I gathered the Bill 's and attempted to set up monthly payments for those I could not afford to pay In full. Only later finding out that I'd have to contact each one each month because they wont set up a way to pay automatically each month. Well.. since i missed a month i was turned over to collection agencies. Most handled my payments correctly and agreed to accept whatever i could pay except for this one company. I told the lady when she called i would like to set up payments but she told me i had to pay it in full or th here was one other option. I could pay half my bill up front then pay monthly but the half I pay up front does NOT come off the bill. I told her that was crazy! Nobody in their right mind would agree to this and I'm really trying hard to pay my debts. She said if you dont do this it's going into litigation or something of sorts. I'm paying the hospital alone over XXXX and they accept payments. This company I owned less than XXXX and they wont accept a payment. I'm also saying other Bill 's out of my pocket at the same time because every part of the bill was split up! Insurance is a joke! You pay out the wazoo and still owe everybody! If I was on government healthcare I wouldn't even have a deductable or a payment! It's not fair! Anyway.. the company is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS. XXXX Bill amt. XXXX. Thank You.
05/25/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 44128
Web
I have contacted them and try to rectify the situation and let them know that this was an alleged debt and that they are violating multiple Federal laws.I also stated that our most recent calls are being recorded ( which I can provide to or at any legal proceedings ) The calls has been recorded numerous times and they keep saying that I owe alleged amounts which they can not do legally they also tell me they have the right to tell a consumer that they owe a amount which is illegal they were committing to fraud. Under 15 usc 1692 D no debt collector is allowed to harass or abuse. As stated above I am being harassed via mail, phone, and severely negative impact to my credit report. I told them I do not owe this alleged debt and refuse to pay ( Debt validation 1692c ( right to refuse pay ) but they werent being helpful and trying to use deceptive methods to get me as a natural person for verify and alleged debt. FDCPA violation. Debt collectors can not verify anything I shared that I that I did not want my information shared because I have a right to privacy and they were not given any prior written instructions to share my information. They have called me about three times which they admitted to amd sending letters with all of these things were very inconvenient and according to 15 USC1692 k I have The legal right to request compensation for punitive damages and physical damages my credit score has been severely damaged as a result of this I got high interest rate on a consumer vehicle because of this it has cost me time it has cost me money it has also cost me headaches and it is damaging my relationships with other individuals and other corporations I gave them today as of today which is XX/XX/2021 notice that I am requesting payment of at least five federal violations I do not agree to settle I request that these funds will be sent certified mail to the address on file.
12/06/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • FL
  • 33173
Web
FRANKLIN COLLECTION ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FRANKLIN COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FRANKLIN COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
03/19/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 707XX
Web Servicemember
XXXX XXXX XXXX, LA XXXX Franklin Collection Service XXXX XXXX XXXX, MS XXXX Account Number # XXXX Dear Franklin Collections, I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to nd any documentation of any contractual relationship between ( name of company ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verication or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certied copy of an original contract, with my signature, specically naming your company as a person entitled to enforce a commercial claim against me. Certication can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( name of president ) and ( name of company ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will le a complaint with the Attorney General and Federal Trade Commission, and le a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the State Bar Association and Professional Liability Fund for code of ethics violations. Sincerely, XXXX XXXX
10/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 301XX
Web
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Franklin Collection Service , Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
11/30/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 74012
Web
The company, FRANKLIN COLLECTION SV, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002, I am a natural person which means the name in all capital letters is not me. My name is XXXX XXXX XXXX XXXX. XXXX5 USC ( A ) ( 1 ) The term " bureau '' means the Bureau of Consumer Financial Protection. XXXX XXXX, XXXX, and XXXX are assumed to be credit bureaus but there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard into abrogating the gold clause. This resolution declared that " whereas the holding or dealing in gold affect the public interest, and or therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed the provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of Congress... In the payment of debts. This resolution declares that any obligation requiring payment and gold or particular kind of currency or an amount in monetary policy ; and ... Every obligation heretofore or hereafter incurred shall be discharged upon payment, dollar for dollar, and any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mold living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
10/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75204
Web Servicemember
" XXXX_ XXXX '' continues to report inaccuracies about past debtors and/or fraudelent creditor collectors on each credit report. My credit score remains drastically low. I had disputed many erroneous credit items including personal information such as name/address/telephone numbers via telephone. Now, there are these follow-up mailed documents from other third party collectors on bearing of XXXX XXXX namely, " FRANKLIN COLLECTION SERVICE, INC. among the multiple debtors whom I had previously disputed via FTC/FRCA. " XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX '' is another creditor whom I have been issued a unsecured card ; now appearing as a secure card. However, this credit solutions agent if XXXX XXXX is committing fraud. The scam is that while my card remains open ; it accumulates a " monthly late fee '' without any activities and I must pay that outstanding balance to remain in good standing. My last payment on a blocked card was on XX/XX/XXXX and my account was {$0.00}. In XX/XX/XXXX, I reactivated a new replacement card ; only to be faced with a balance of {$180.00} which includes next cycle of late fees. I have made a full payment of {$180.00} on XX/XX/XXXX. " XXXX XXXX XXXX '' has been erroneously listing my account status as ND=NO DATA and OK since the year XX/XX/XXXX. I had completed payment of my student loans and this account was closed in XX/XX/XXXX following a full year in good standing. I had contacted student consolidation loan center " XXXX '' and spoke with a manager in XXXX, NY on last year ( XX/XX/XXXX ) requesting that they should he should follow through on reporting the correct CLOSED date. He had not done so and XXXX reflects payment history and CLS=closure in XX/XX/XXXX as a result. I had not been utilizing education services with XXXX as of XX/XX/XXXX.
06/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 35401
Web
XXXX certified letters within a 60 day period to Franklin Collection Service , Inc. has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Franklin Collection Service, Inc.purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Franklin Collection Service , Inc. and myself, signed by me, stating that I have a contractual responsibility to Franklin Collection Service , Inc. for the alleged debtsXXXX.Provide proof that Franklin Collection Service , Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Franklin Collection Service , Inc. Franklin Collection Service , Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Franklin Collection Service, Inc.of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.
06/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 35401
Web
XXXX certified letters within a 60 day period to Franklin Collection Service , Inc. has failed to provide the following requested information to validate an alleged debt:XXXX Signed credit application between myself and the original creditorXXXX. Copies of all signed vouchers from the date account opened until defaultXXXX. Copies of all statements from the date account opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreement that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contract Franklin Collection Service, Inc.purchased the alleged debtXXXX. If the alleged debt was purchased, provide a copy of an agreement between Franklin Collection Service , Inc. and myself, signed by me, stating that I have a contractual responsibility to Franklin Collection Service , Inc. for the alleged debtXXXX.Provide proof that Franklin Collection Service XXXX Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claim is now considered invalid and all collection efforts must be stopped and the account must be deleted from Franklin Collection Service , Inc. Franklin Collection Service , Inc. can not validate their claim, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Franklin Collection Service, Inc.of their infractions and that the alleged debt must be removed from their account immediately, and it also must be removed from all credit reporting agencies. Thank you.
04/28/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 281XX
Web
I sent a validation letter to Franklin Collection Services ( " FDS '' ) dated XX/XX/2019, requesting that the company validate reference no. XXXX which is currently being reported to the credit bureaus. In my letter, I also specifically requested evidence showing the company 's legal authority concerning this matter. More specifically, I requested a copy of the alleged contract or instrument bearing my signature. In addition, I specifically requested proof FDS is authorized to collect this debt and has the legal authority to do so. FDS responded to my first request for validation in a letter dated XX/XX/2019 with a verification and validation of debt for a bill owed to XXXX XXXX XXXX XXXX XXXX. The response I received did not provide me with the information I requested. Instead, the letter stated the alleged balance owed to XXXX XXXX XXXX XXXX XXXX. Included with the letter was a copy of a statement from XXXX XXXX XXXX in which the description of the services were redacted. Therefore, I sent a second letter to Franklin Collection Services dated XX/XX/2019, where again I specifically requested that Franklin Collection Services ( " FCS '' ) provide me with evidence that the company is the legal owner of the debt, and that FCS has the legal authority to collect this debt, as well as a copy of the contract bearing my signature. This information was not provided. After specifically requesting this information in writing on two separate occasions, FCS has not provided evidence that the company is the legal owner of this debt and that the company is authorized to collect the alleged debt as I have never had an account or contract with FCS. Therefore, I have no legal obligation to pay a debt that can not be validated with proper evidence.
05/19/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • XXXXX
Web
I received an alert via my XXXX XXXX alert monitoring service informing me that I have a debt collection derogatory mark on my report with a company called Franklin collections via XXXX XXXX XXXX for over {$450.00}, on XX/XX/2019. I do not have any collection accounts with XXXX XXXX XXXX as they are my cellular service carrier whom i pay monthly for well over 10 years. I have never been notified of this via XXXX XXXX XXXX or any collection agency. I have also been a victim of identity fraud and have notified the IRS AND have a freeze on all three of my credit reports and have locked all three so i would need to be contacted and have my information verified prior to opening any new accounts. This has been in effect for well over 8 years now. I attempted to reach Franklin collection and they stated unless i give my ssn they can not help me, I refused to provide my ssn b/c if you are stating i owe you should have my ssn and I should be able to verify via another method. Due to my being a victim of identity theft I do not give out my ssn as instructed via the credit reporting agencies. I also never received any notification via XXXX XXXX XXXX who again I currently have cellphone service with, requesting any collection and I reached out to XXXX XXXX XXXX and they stated also NO, I have no collection accounts on their behalf. I do not know of this Franklin collection account. I submitted a dispute via credit karma on XX/XX/19 & received a response today XX/XX/19 @ XXXX stating this account was verified and is correct?! How so, it took a month to verify and what steps were taken in the verification process, no one reached out to me to inquire about anything. Please help me with both XXXX XXXX XXXX XXXX this is fraud.
10/22/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35020
Web
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.
01/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • XXXXX
Web
Franklin Collection Services is attempting to collect on a debt that is allegedly owed by me to XXXX XXXX XXXX. Case # XXXX. On XX/XX/XXXX ( via certified mail ) and then again on XX/XX/XXXX, I sent XXXX XXXX who is an account manager at Franklin Collection Services a FTC Identify Theft Affidavit attesting that the account in question was result of identify theft. Mrs. XXXX confirmed receipt on XX/XX/XXXX. Mrs. XXXX attempted to inform me that she needed to allow XXXX XXXX XXXX to conduct its own investigation, however, this is in direct violation of Federal Law since Franklin Collection Services is the furnisher of the erroneous information to the credit bureaus, not XXXX XXXX XXXX. Since Franklin Collection Services is currently furnishing the XXXX XXXX XXXX account to the three credit bureaus, and I have sent Franklin Collection Services a FTC Identify Theft Affidavit, Franklin Collection Services is mandated to immediately remove and retract this information from the credit bureaus pursuant to FCRA 623 ( a ) ( 6 ) ( B ). The statue reads : " ( 6 ) Duties of Furnishers Upon Notice of Identity Theft-Related Information ( B ) Information alleged to result from identity theft. If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. "
08/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30342
Web
XX/XX/XXXX I checked my XXXX credit report and realized there was a collection reported on my account reported by XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I immediatley contacted XXXX XXXX XXXX to find out why this was reported to my account. They could not give me an answer and asked me to mail a validation letter to their corporate offices. A days later after preparing the letter I realized the ccount was no longer reporting. XX/XX/XXXX I received a notice from FRANKLIN COLLECTION SERVICE , INC stating that an account Owed to XXXX XXXX XXXX was placed with their office for collection. I immediatley sent a letter Sunday XX/XX/XXXX asking to validate the debt because I had no clue why they would be contacting me. ( That letter was recieved by FRANKLIN COLLECTION SERVICE, INC on XX/XX/XXXX at XXXX am USPS XXXX # XXXX ). XX/XX/XXXX I started recieving credit monitoring alerts stating there was a collection reported. It was from FRANKLIN COLLECTION SERVICE , INC . I immediatly looked at the letter again and it was dated for XX/XX/XXXX. I checked the envelope which I still have and there was no date on the envelope. Again I recieved this letter on XX/XX/XXXX. XX/XX/XXXX I contacted FRANKLIN COLLECTION SERVICE, INC over the phone. I first spoke with XXXX XXXX and after requesting a manager I was connected to the Supervisor XXXX. After talking to XXXX, she informed me that FRANKLIN COLLECTION SERVICE, INC would request deletion from all credit files. I was also informed that I could send the letter confirming this info to the credit bureaus. I have fowarded the letter and the account remains on my report stating that FRANKLIN COLLECTION SERVICE , INC has updated the account as reporting accurate.
06/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • FL
  • 33322
Web
Dear CFPB, all three credit bureau and Franklin Collection, I have received a notice from the collection firm Franklin Collection ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under XXXX XXXX and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof. Also please if possible CFPB I'm unable to send this complaint to all 3 credit bureaus can this also along with my attachments be forward to XXXX and XXXX, I was only able to add 2 additional companies so I also sent this complaint to XXXX XXXX and XXXX.thankyou in advance CFPB for your help with this matter!
09/05/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 367XX
Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
07/21/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KS
  • 662XX
Web Servicemember
XXXX XXXX XXXX notified me in XXXX of an a bill for terminating my cable contract. I paid the full amount directly to XXXX XXXX XXXX. The company below reported the item in collections. When I disputed the items off my credit report. The company reports that this account open, which is incorrect. The full amount was paid in XXXX. The remarks state this account was settle for less than the full amount, which is false. I am contacting XXXX XXXX XXXX, with whom I currently have cell service for my companies that I own to get a statement showing this was paid in full. Regardless of anything, Franklin Collection Service has reported false information stating this account was open when it was not for about 4 years, which impacts my credit score.. Once this response comes back, I will find an attorney to review and determine what action should be taken. I also am watching this account because I do not want it to be illegally re-aged on my credit report .This company also appears to have been involved in multiple lawsuits. I will speak with my Senator 's office on Monday. There needs to be more done to companies like the one below. FRANKLIN COLL SVC # XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Amount : {$380.00} Original Creditor : XXXX ( Utilities ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; >SETTLED-LESS THAN FULL BLNC< ; >PAID COLLECTION<
03/04/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30253
Web
This complaint is regarding Franklin Collection Service , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX : XXXX Toll-Free : XXXX Client Services : XXXX Disputes : XXXX One Date : XX/XX/XXXX I sent an email to FRANKLIN COLLECTION SV at XXXX to address my concerns. The email read " I spoke with XXXX ext XXXX and he advised me to email you all that this debt is nonexistent and I do not owe your company or XXXX XXXX XXXX. I called XXXX XXXX XXXX and spoke with a rep who informed me that I did not owe XXXX XXXX XXXX anything. All accounts in my social were paid in full as of XX/XX/XXXX. That means your company is reporting inaccurate and misleading information on my credit report which caused my credit score to go down. Im in the middle of purchasing a house. That is an FDCPA violation and I will be filing a complaint. Please remove this account off of my credit report as soon as possible. If its not removed within the next 7 days I will move forward with an attorney '' Today is XX/XX/XXXX and the company has yet to remove this debt from my credit report. Instead, they have updated XXXX and XXXX to say paid as if I paid the collection company themselves. I have never done business with this company and have written several letters asking for validation and verification that 1. I owe this company and 2. that I have ever done business with them. On XXXX, the collection is reporting unpaid so the information between the 3 bureaus is not even the same. This company is causing me a major financial hardship for I am trying to close on my home and can not due to the negative, inaccurate and misleading information they are reporting. I want the information removed
11/19/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • KY
  • 42001
Web
A collection agency has been calling me over and over even contacted my work twice after my general manager telling them not to call my workplace and they called back a second time and spoke with me and I told them not to contact me at work and they would n't tell me how they got my work phone number. They call my cell phone back to back almost every day of the week, I have cell phone bills to prove that and screenshots on my phone showing back to back phone calls in the same day. I have told them I wanted to dispute the matter and I still have n't received anything for disputing the debt. They have told me if I did n't pay this debt they would be suing me and garnishing my wages and they keep giving me a certain amount of time to pay off a XXXX debt. Every time I talk to them they ask for my full social security number address and phone number. I feel like I 'm being harassed, and they are making me feel very uncomfortable and uneasy asking me for all this personal information. I asked them last night what the matter was concerning when they called and they said it was concerning a hospital and I asked what about and the lady would n't tell me all she would say is she needed my info it was a matter with the hospital. I asked why they could n't call me if it was concerning them and they said because they hired them to do it. I just know its not professional and it 's making me feel harassed to the point I want to change my phone number and address and even my place of employment. This is crazy and scary and it 's not even accurate. I 've told them this time after time and they still continue to harass me. Their name is Franklin Collection Service, INC
01/14/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70003
Web
I closed my account with XXXX XXXX XXXX in XXXX because their internet was horrible so I switched over to XXXX XXXX. I let XXXX XXXX XXXX know I was closing the account, I paid my last bill, I turned in all the equipment. From all angles everything was fine, XXXX XXXX XXXX made it seem like everything was fine and I had done what I had to do. I had always paid on time and was a good customer and never had issues with payments with XXXX XXXX XXXX and from my knowledge was left in good standing when I left to go with XXXX cable. Well XXXX XXXX XXXX decided to charge me another bill without notifying me or mailing me a bill. They put me in collections. I didnt find out until XXXX that I supposedly owed them but by this time I was confused since I paid my last bill and closed the account and turned everything in. What XXXX XXXX XXXX and Franklin Collections Services are doing is fraudulent because Im not the only one they are doing this to. I would have paid it if I would have known about this bill. Now my credit score is constantly being hit by Franklin Collections Services and XXXX XXXX XXXX says its not their problem even though they caused this problem. Im not going to pay a 3rd party the money when they dont legally have to remove that off my credit report. I need it removed off my credit report! I will only pay XXXX XXXX XXXX if they remove this off my credit report. I am not legally bound to a third party. My contract was with XXXX XXXX XXXX and thats who needs to fix this. I just had hurricane damage to my house due to hurricane Ida and this is causing me even more undue stress because of the unscrupulous behavior of these 2 companies.
03/22/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34208
Web
This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. 6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also read the attached letter and review all of the violations by your company
10/30/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95827
Web Servicemember
On XXXX XXXX, Franklin Collection Services reported a collection account for {$710.00} for an account with XXXX. The same account was previously reported on my credit report by XXXX XXXX XXXX on XX/XX/2020. I disputed the account based on the fact the account is not mine. The account is in a name that is not mine and I've never been known by the name. I NEVER RECEIVED a letter or a call from XXXX or Franklin Collection Services regrading this account. Additionally, I've never lived at the address that the account is connected to - nor have I ever lived in that state. I was able to successfully dispute the account placed by XXXX XXXX XXXX and it was removed from the report. However, it has shown up on my XXXX report again, but under Franklin Collection Services. I contacted Franklin Services via phone and email in which they verified there is no account listed under my name and that the account that I referenced was for a different person/name. Overall, I've disputed this account multiple times with XXXX with NO SUCCESS. They continue to state in the dispute results that the agency has verified the account is accurate. And now XXXX refuses to re-investigate the dispute. I do not accept those results. I've contacted the same collection agency and it was verified that the account is not accurate. It isn't under my name. My credit history will show that I never lived there nor is that my birth name or married name. The companies at fault are XXXX, XXXX and Franklin Collection for reporting incorrect information on my credit report and failing to do a thorough investigation. That said, if not resolved I plan to seek legal action.
06/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77477
Web Servicemember
These Accounts : ( 1. ) XXXX XXXX XXXX XXXX XXXX ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXX XXXX XXXX ( 4. ) FRANKLIN SERVICE INCXXXX ( 5. ) XXXX XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
10/23/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 940XX
Web
XX/XX/XXXX Collection Debt showed up on my credit report for unpaid {$810.00} XXXX account that was not mine. Originally reported by XXXX XXXX XXXX to Credit Bureau. Disputed XX/XX/XXXX and removed XX/XX/XXXX after XXXX XXXX XXXX discovered it was not my account. XX/XX/XXXX alerted via credit alert of score drop, the same Collection Account appeared from Franklin Collection SV. Disputed account through XXXX and called Franklin Collection SV XXXX XXXX XXXX XXXX, XXXX, MS XXXX Phone : ( XXXX ) XXXX Balance Date : XX/XX/XXXX Balance : {$810.00} Operator said debt did not appear to be mine and gave me email address for formal dispute letter which I e mailed XXXX XXXX XXXX I emailed another letter after they replied to XXXX that under investigation this account was mine in which I have been requesting documents supporting their claim that this is my account. Franklin Credit SV has not provided any documents of supporting evidence but each time I contact them, they report to FICO Credit Agencies FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. FRANKLIN COLLECTION SVCS INC has flagged your account as UNPAID ( D ). XX/XX/XXXX with XXXX FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. FRANKLIN COLLECTION SV has flagged your account as Collections on XX/XX/XXXX. Franklin Credit has not responded with any supporting documents for collection, communication response of any type regarding this collection and I do not have any information which would even allow me to try and remedy with XXXX.
11/18/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • 358XX
Web
I had an appointment with XXXX Hospital XXXX XXXX XXXX in early XX/XX/2018 for a consultation. A XXXX and XXXX was scheduled at XXXX Hospital on XXXX/XXXX/2018 with XXXX , XXXX XXXX performing the procedure. I was a recipient of Alabama XXXX at the time. Alabama XXXX denied payment to XXXX XXXX of XXXX Hospital XXXX XXXX XXXX, due to his failure to solicit and receive Prior Authorization. XXXX XXXX billed Alabama XXXX {$1000.00} for his services. Other medical providers i.e. XXXX Hospital XXXX, the pathologist, the anesthesiologist, and the XXXX were paid by Alabama XXXX. XXXX XXXX 's failure to receive prior authorization was the sole reason for denial, due to their error. Now they're trying to collect a debt for an error they caused. XXXX Hospital XXXX XXXX XXXX sent the debt to Franklin Collection Service, XXXX, MS . They're calling me trying to collect a debt caused by the irresponsibility of the medical provider. I mailed a written complaint to the doctor 's office. No response was received. I even called and offered to pay to debt, at the same amount Alabama XXXX would've paid, if they removed the debt from my credit reports. No acceptance. The {$1000.00} debt is on all of my credit reports. I want the debt removed from all credit reports. Once again, Alabama XXXX Agency told me the reason why they didn't pay XXXX XXXX ... he or his staff failed to request and receive prior authorization before the procedure. They had one month to do this, and failed to do so. Please assist in requiring the debt collection agency to remove the debt from my credit reports and for the doctor to cancel the debt.
09/13/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35405
Web
I received information from you attempting to collect the above-listed alleged debt.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
09/15/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • XXXXX
Web Servicemember
I want it to be noted that I dispute any responsibility for this debt, and I do not owe this. The fluctuating statements, as well verification that does not match up with amount owed show the inconsistencies associated with this account. The debt was previously with XXXX., and discharged after they sent me verification that did not match up with the amount owed. I received notice from them that they will not pursue this debt any longer. That is when it ended up with FCSI, Inc. I have been having to deal with a debt that I have disputed. It keeps going to new collection agencies once a previous collection agency has stopped dealing with it after verification fails. I recently documents that supposedly verify the debt with FCSI, however, not a single XXXX of the statements even matches the amount which Franklin is attempting to collect from me. Franklin says the debt of {$190.00} was incurred XXXX/XXXX/15, as evidenced by the letter I included, but both statements from around that date both show different amounts that do not match this. I have included the XXXX statements for XXXX XXXX, 2015 and XXXX XXXX, 2015, which are the closest to the date I am alleged to have accrued the balance of {$190.00}. I have also included XXXX later statements from XXXX XXXX, 2015 and XXXX XXXX, 2015, which illustrate the way this debt has fluctuated by incredulous amounts. If this debt was valid, it does not make sense how the amounts could constantly change, and also not match the amounts which the debt collection agency has attempted to collect. I dispute this debt, as I have with previous collection agencies.
07/31/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77089
Web
Franklin Collection Services put the collection in XX/XX/2019 and I did not aware of it until XX/XX/2019. On XX/XX/2019 Franklin Collection Services received my request of validation of an account XXXX. I have not received a response. I made multiple good faith communication to receive the certified letter requesting validation of an account on XX/XX/2019 and every 5 business days atfer. Under Texas Finance Code Section 392.202 a debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. If they fail to respond to validation request then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As of XX/XX/2019 they are still reporting account on my credit. Which puts them in violation of various state collection laws. I am making every effort to resolve this matter without presenting this matter in court. On XX/XX/2019, I requested a written agreement to delete the claim from my credit if I made the payment. After being transferred to the manager, he could not represent the detail of the account. He mocked me by saying he maybe will write that letter. I want to verify what he means by maybe. He replied that he maybe write it next week, next month, or whenever he wants to. He also stated that my couple hundreds dollar will not break his company. On XX/XX/2019, I made 2 phone calls to Franklin Service since XX/XX/2019 is the week after the supervisor promised to write the letter. After being and transferred and stated my name, the supervisor hung up immediately. The next call was transferred to voicemail.
03/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MN
  • 55106
Web
I cancelled my XXXX XXXX XXXX home internet service via phone in XXXX of XXXX. I spoke to their customer service a total of 4 different times. In XXXX of XXXX, I spoke with a representative named XXXX who gave me this cancellation number : XXXX and also this call confirmation number : XXXX When I still received a bill later in XXXX, I called on XX/XX/XXXX and spoke to a supervisor, named XXXX, who gave me this additional cancellation confirmation number : XXXX I also received confirmation via email that XXXX XXXX XXXX received their equipment that I returned through the mail. When I received an additional bill on XX/XX/XXXX, for {$94.00}, I once again called customer service and spoke to a representative named XXXX in XXXX, Arizona, who told me to " Disregard the bill '' and that my account was closed and paid in full. In XXXX of XXXX, I received a notice from XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, saying that I owed XXXX XXXX XXXX {$110.00}. I disputed that debt via email with the above information, and received a confirmation email on XX/XX/XXXX from XXXX XXXX XXXX stating " Your account was credited in full and returned back to XXXX XXXX XXXX on XX/XX/XXXX. '' Despite this, on XX/XX/XXXX received another debt collections notice in the mail from a different collection agency, called XXXX XXXX XXXX XXXX, mailing address XXXX XXXX XXXX, XXXX, XXXX XXXX, phone : XXXX, for the same {$110.00} debt, that had been supposedly " credited in full and returned back to XXXX XXXX XXXX XXXX'. I responded to this notice via email on XX/XX/XXXX with all the above information.
04/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CA
  • XXXXX
Web
On XX/XX/XXXX I file a complaint wit FCC against att abusive charges of international call of XXXX. XXXX responded saying my bill will be reduced from {$1300.00} to {$42.00}. XXXX send me a bill in XXXX XXXX for XXXX due in XXXX XXXX and another one in XX/XX/XXXX for {$290.00} I contacted XXXX and after resolving with costumer service I paid the XXXX with the promise to receive XXXX credit back as soon as my account get cleared. In XX/XX/XXXX XXXX reported me account to a collection agency and this collection agency reported to my credit report. The collection agency never contacted me prior to report it on my credit report. Also they had NO RIGHTS to report it on my credit report at ALL. I file another Complaint with FCC regarding att practices and FCC is on the case. I would like to FTC to get in the case and assist me in this matter. I would like to have this collection agency show prof that I won that money and also prof they attempted to collect a debt and I refuse in order for them to report my account to the Bureaus. I am also seeking for damages from XXXX and this collection agency for the damages on my credit report I am in the process to acquire a house and this collection damaged my possibilities severely. I want XXXX and Franklin Collections Services to respond for the damages they are causing me. Thank you XXXX XXXX XXXX FRANKLIN COLLECTION SVCS UNPAID ( UNPAID ). XXXX XXXX, XXXX Alert Date XXXX/XXXX/XXXX Source XXXX Company FRANKLIN COLLECTION SVCS Payment Status UNPAID ( UNPAID ) Status Date XXXX/XXXX/XXXX Balance {$290.00} Balance Date XXXX Address XXXX XXXX XXXX XXXX, MS XXXX
04/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76002
Web Servicemember
Franklin Collection Service violated the following Fair Debt Collection Reporting Act 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission EXHIBIT A 2. Violated 15 USC 1692c ( b ) ; Communication with third parties ( credit reporting agencies ) EXHIBIT B 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 11. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt. 12. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 13. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 14. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 15. ADDITIONAL ASSESED DAMAGES : Defamation of character, lower my score ( not able to get approved for a home loan. EXHIBIT C
03/31/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33324
Web
Our Condo HOA provided TV via XXXX as part of our association dues. So I used XXXX for my internet service needs for a couple years at a flat rate of XXXX XXXX month. XXXX lost the contract with the association, In an effort to retain business, kept the flat rate of {$40.00} for internet services, as each unit paid that themselves. This continued for many months until XX/XX/2020. My XXXX bill went from {$40.00} to {$58.00} but it was already hooked up and working so I remained a customer. In XX/XX/2020 the rate jumped to {$180.00}? I called XXXX assuming there was a mistake for the rate to increase almost five times? Nope. So I cancelled. XXXX stated that I COULDN'T CANCEL? They stated that I had to give 30 days notice from my billing date, meaning I was responsible for this new rate now for almost 7 weeks. I pushed back and said I was cancelling IMMEDIATELY ( obviously - who pays 5 times more for the same service? ) as I was not under any type of agreement or contract. I stated I would pay them the pro-rated share for the less than 10 days of service at the agreed upon rate, but they refused to send me a corrected bill. I cancelled their services in my mind that day, and I returned their equipment. I had XXXX XXXX services installed the next day through their Internet Essentials Program for low income households receiving Medicaid and Food Stamps, and have XXXX to this day. XXXX can not BACK DATE charges and can't continue to bill me for services not rendered, especially since I had no contract. I do owe XXXX appr. {$19.00} and will pay it once they send me a corrected final bill.
04/03/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35405
Web
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
03/07/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75032
Web
On XX/XX/2021, Franklin Collection Services based out of XXXX, XXXX added a collections account for {$1200.00} to my credit reports causing my score to decrease. This collections account was RIGHTLY removed previously from my credit reports by another collections agency whom could not verify/validate this debt is in fact my debt. This account is believed to belong to another family member whom is deceased and is in fact NOT MY DEBT which previously resulted in a removal/deletion. The collections agency has in turn sold this account to Franklin collection services without written notification of the debt and without verification that this debt is mine. I HAVE NOT RECEIVED ANY WRITTEN NOTICES OR PHYSICALLY SPOKEN WITH ANYONE FROM FRANKLIN COLLECTION SERVICES. Under the Fair Credit Act, if the debt is not verified or validated to be yours, it CAN NOT be erroneously put on your credit report and such section is AGAINST THE LAW for credit agencies to report debt that isnt validated or inaccurate. Under the Fair Credit Act, a debt collector has to send you a written statement outlining the specifics of your debt that is in collection. Within five days of contacting you, a debt collector must send you a written notice of the amount of money your owe, and the name of the original creditor. The notice must also explain the consumers rights of what actions to take if you believe the debt is not yours. NONE OF THESE ACTIONS HAVE TAKEN PLACE WHATSOEVER. I ask for IMMEDIATE permanent removal of this account that was PREVIOUSLY REMOVED and had been placed back on my credit reports.
03/18/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78363
Web Servicemember
I cancelled my XXXX XXXX XXXX internet utility service after moving in XX/XX/XXXX. I had been renting a router, and per their instructions upon cancelling returned the router to them by bringing it to a XXXX store to be mailed. I received confirmation of my account cancellation, with a {$0.00} balance after final billing. Several months later, I received a bill from XXXX XXXX XXXX for approximately {$300.00}, attempting to charge me for equipment not returned. I spoke via online chat to their customer service, and received confirmation that this charge was in error, and would be removed from my account. I have a chat transcript and reference number as proof of this. Months after the first interaction, a collections agency contacted me looking for the same ~ {$300.00} amount, which had apparently not been scrubbed from my account, and sent to collections. Again, I went to speak with XXXX XXXX XXXX service, clarified the mistake, and was assured that the charge would be removed. Today ( XXXX XX/XX/XXXX ), I received a letter from XXXX XXXX XXXX notifying me that they are attempting to collect a debt of {$340.00}. The letter states that this is from my XXXX XXXX XXXX account. I spoke to AT & T service again, and was referred to their collection/financial team, which stated that because the billing system was automatic, they could not do anything about the amount being sent to a third-party collection service. I returned my equipment almost a year ago, and have been repeatedly sent to collections, which threatens my credit score. How can I resolve this?
04/22/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30281
Web
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Franklin Service , Inc for committing fraud and identity theft. I have never contracted with Franklin Service , Inc and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Franklin Service , Inc, have brought me severe stress and anxiety. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Franklin Service , Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Franklin Service , Inc, continues its collection efforts, I will file for litigation for actual damages caused, and Franklin Service , Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
06/06/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • AL
  • 357XX
Web
Recently my family has been going through a finical hardship and are only able to pay our bills that are necessary. I called Franklin Collection Services to cancel our XXXX $ a month payment, and the XXXX $ charge they add to that payment because we simply can't afford to pay it for a couple of months, and can not afford the risk of them taking money out of our bank account monthly. I am still able to pay some on our accounts, but I can't give a def amount of how much or when I can pay. They are refusing to stop payments, stating that " you are making payments so we won't sue you ''. I asked to also get a copy of all of my husbands and my accounts, along with the account numbers and how much we owe. They refused to send me that information, which I should have access to. I have actually gotten all my account info from them in the past, and recently filed a similar report about this very issue. After I filed a report about them not giving me my account info, I was sent my account info. Now they are stating they don't send it out that I don't have access to that information. At the end of the phone call today after they said that my husband needs to call to try to figure out ways to pay this months payment. I was the one who set up payments because I am on the account with my Husband, and I also told them that we just simply did not have the money to pay it this month. Once we are finically stable again, I can of course pay more on this account or continue to pay the same amount as I did the last few months.
06/06/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 43147
Web
XX/XX/XXXX - When disconnecting cable & internet services with XXXX , I was given a final balance owed, which I paid. Soon after, I was sent a bill for an additional amount. I called, and XXXX said it was a mistake, and that the balance would be credited. Some time later, I received a bill from a collection agency for the same amount I was told would be credited. Fearing the credit hit I might take, I paid the balance. Some time later, I received another letter from a different collection agency for the same amount, which 1. I did not owe, and 2. I already paid anyway. I paid the balance a second time. After long hours on the phone with XXXX customer service, I received a reimbursement for this payment. Now, in XX/XX/XXXX , I received a letter from a third collection agency, again for the same balance I did not owe, but already paid twice. Last week, I was promised by XXXX customer service that 1. The balance would be credited, and the issue fixed, and 2. I would receive confirmation of this by email by the end of the next business day. No confirmation arrived ( it 's been several days ) and, as of this morning, the collection agency still sees the account as active. When I consider not only the credit rating issues this will likely cause, but my efforts from the beginning to resolve the matter and the inability of XXXX to do what it consistently says it will do, my only choice is to see this as harassment on their part, and to ask for whatever help might be available in resolving this issue.
02/16/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78251
Web
I have already disputed this debt. It has been removed from my credit report. The first time I disputed this account it was owned by XXXX XXXX. Since it was disputed and ruled in my favor ; they sold it. It was apparently bought by Franklin Collection SV. After I disputed this claim, they immediately made my account past due. I do not believe they should be able to do this for the following reasons. 1 ) If it has been disputed once, it should not be able to be sold to another company and then they report it. What keeps the individual from having to constantly dispute the same item? 2 ) If something is disputed, the company who believes they are owed should not be able to make the account derogatory during the time of dispute. 3 ) I spoke to this company and asked for a validation of debt, which is another reason why they made the account past due. The impact on the credit score is significant. Even when this is removed I will not receive the points to bring the score back to where it was. I lost 15+ points, when this is removed I might receive 5-7 points back to my score. Why are debt collectors even allowed??? If the original company does not want to pursue the debt or writes the debt off, another company should not be able to collect. Most individuals do not have nor have they ever had an agreement with the debt collection agency ; only the original company. I can not collect debts for other individuals, as I am not in the agreement with either individual who may be owed.
05/02/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 337XX
Web Servicemember
This collection was already resolved previously and a new company decided to try and buy the debt and reopen it, which is illegal and needs to be removed all together. This is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had no connection with the dish, and wait time for a phone call was XXXX minutes with no answer. I then called XX/XX/XXXX to pay the debt despite not having any service which XXXX knew well I was having major issues with my dish but was not going to allow anyone inside my unit due to covid. So I did not schedule a technical call as they said they would have to enter the premise, I told them to please cancel as I had no access to the product and services. I kept getting billed for 4 months after. Mind you I signed a contract in XX/XX/XXXX for 24 months, so they were billing me after the contract was no longer. The equipment has been disconnected for months and waiting return. I was informed me they then sent return item in XXXX, which it never arrived, so more lies on the companies part. Now they want {$400.00} plus missed item fees that can be more than {$150.00}. I should be responsible for nothing for a service that had " no signal codes '' since XXXX and a contract that expired at the end of XXXX. They need to stop collection activities for an account that one should have been closed, a service that number 2 couldn't be accessed due to technical problems and because of Covid unrepairable without putting my health at risk. Thank you
09/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 932XX
Web
Please forgive me but I want to make a disclosure to you because I don't want to come off as deceptive. I attempted to make a complaint in XXXX but your website would only allow me to make a complaint in English. To this end, I am using a translator who is filing this complaint on my behalf while I am present to convey my words to him. I hope this is enough. The nature of this complaint is that I am tired of fighting an account with XXXX. For years I have been contacting XXXX because I keep receiving collections notices from various different collectors saying I owe XXXX money. for years the collectors have removed the account from collections only for the account to reappear with a different collection agency. Every time it does, I call XXXX and they swear I do not owe them money nor do they have any records of me owing them money. In the end I still have the account appearing on my credit report and hurting my credit. What am I supposed to do? I'm not familiar with procedures to go after the companies who are trying to mess with me and I'm not a person who likes to run to the courts for something which to me seems so simple. Can you please stop XXXX from either lying to me or to get them to call the collection agencies who are reporting XXXX collections and stop them from pursuing something I don't owe. If I really don't owe these bills, which I know I don't, then they shouldn't have a problem contacting people committing fraud in XXXX 's name.
09/12/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CT
  • 06457
Web Servicemember
On, or about XXXX/XXXX/XXXX Franklin Collection Services began reporting a collection account to the credit bureaus. The company failed to notify me of my rights via written notice within a 5 five day period. As such, this agency is in violation FDCPA 1692g ( a ), which states " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ''
11/14/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43219
Web
FRANKLIN COLLECTION SVCS INC To Whom It May Concern, The reason for my dispute is FRANKLIN COLLECTION SVCS INC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also FRANKLIN COLLECTION SVCS INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 FRANKLIN COLLECTION SVCS INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation FRANKLIN COLLECTION SVCS INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where FRANKLIN COLLECTION SVCS INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. If FRANKLIN COLLECTION SVCS INC even tried to contact me regarding this Fraudulent collection account I will sued for harassment. Please have them remove this collection account immediately.
07/25/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • MS
  • 39601
Web
Franklin Collection Company out of XXXX, MS , has been given a medical account that I do not deny I owe. I 've made several {$100.00} payments on this account to the original debtor. Admittedly, I fell on extremely hard times lately and have not made the {$100.00} payments in several months. The balance is now XXXX. Franklin Collection Company demanded XXXX down and a monthly payment of XXXX. I explained that I can not pay that amount. They then suggested that I pay XXXX installments of XXXX and the XXXX and said this was the best they could do. Otherwise, they would have to forward the account to legal for wage garnishment, etc. I reluctantly agreed to the XXXX down, even though I can not afford that. They sent an e-mail contract for me to sign that still reflected the XXXX down. When I replied to the e-mail that this did not reflect the terms agreed upon by phone, the reply was that the mailbox could not be accessed. So, how was I to send the signed agreement in the first place? From there, they have called my parents home, my job and my cell phone - even though I expressly asked that both my parents number and my work number be removed. I am a single woman, paid once per month and paying out of pocket tuition expenses for completion of my XXXX degree among other expenses. I can not afford the down payment terms. I 've expressed that to no avail. I need some assistance in dealing with this persistent harassment from this company.
08/06/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WI
  • 53212
Web
Franklin collection sent me a settlement offer. I asked them to validate the debt. They did not. I then asked them about a settlement amount and they said XXXX, and I could pay it in 2 payments. I am in the process of buying a home and figured i should jus pay to have this collection deleted asap, because it was stoping me from closing, I let franklin know that and that was a huge mistake. After I made the first payment they reported me to the credit bureau as a collection not paid, after we both agreed on the XXXX. On XX/XX/18 i called them to payboff settlement and was threatened by 2 workers over the phone. And was call a XXXX XXXX XXXX XXXX.They also said they would no longer do a pay to delete for me, and that my settlement offer was no longer valid, because i didnt make the 2nd payment 2 weeks from the first payment. They never told me it had to be 2 weeks later, i was told in order for them to not put it on my credit report i had to make the first payment 2 weeks after the first payment they it in to the CB as a collection item. I have made several attempts to talk to a supervisor. Franklin collection service inc is not even authorized to Collect debt in Wisconsin where I live. This same account has been reported to my credit report 2 times and has been previously removed by othercollectionagency 's once they verified that this is not owed by me I spoke to a supervisor and he was not helpful when i told them to verify it.
04/09/2023 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
  • GA
  • 30248
Web
Hello. I have an OPEN negative account on my credit report that I am unaware about showing on XXXX and XXXX. I am not responsible for this collection on my credit report. Before I continue, the creditor information is Franklin Collection. The original creditor that is showing is XXXX XXXX XXXX The balance for this account is {$190.00}. Now, this account was deleted from my credit file from last year 2022. I called my credit bureaus and disputed this same exact account last year and the results came back to be verified as erroneous and the collection was deleted from my credit file. XXXX and XXXX should have this on file that this account was once deleted before. In my very own investigation, the first company that added this same collection on my credit report was XXXX XXXX XXXX. Now, the new company that is in charge of this same collection is Franklin Collection. I did not authorize a 3rd party debt collection agency to place this debt that does not belong to me on my credit report. Under the Fair Credit Reporting Act, it is against the law for collection agencies to report debt that they know is inaccurate. Based upon laws and regulations of the FCRA, The Fair Credit Reporting Act promotes accuracy, fairness, and the protection of personal information gathered by Credit Reporting Agencies and regulates access to consumer credit report records. I need to have this account blocked and removed from my credit report immediately.
11/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33172
Web
This debt has been sold to FRANKLIN COLLECTION SV by XXXX XXXX XXXX XXXX. I have submitted over 3 letters to your XXXX XXXX XXXX XXXX providing the appropriate documentation of this fraudulent account. This account of {$870.00} keeps on being sold by debt collectors and added every month to my credit report with different dates and time. Also, I have previously contacted XXXX XXXX XXXX to obtain details on this account and they state they have no information on regards to this amount owed or the account. no information on regards to this supposed account has been provided by your company by mail as previously requested. If it is true that I owe this amount to your collection department you should have documentation supporting your claim. By law I am entitle to received all evidence being requested in this letter. Account number XXXX Collection opened XX/XX/2021 Account type Collection amount {$870.00} XXXX XXXX XXXX XXXX sold one of the collections for {$870.00} to FRANKLIN COLLECTION SV. This two companies are fully aware and I have provided them with proof of my identity theft. Every month they remove this collection because they have no records as to why am I being charged does amounts and after one week of removing they enter the information again. I have sent more than 3 letters to each with no resolution. this people are destroying my credit intentionally and with malice as they are aware of the situation.
08/07/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • DC
  • 20020
Web
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. This item ( FRANKLIN COLLECTION SERVICES, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX ; XX/XX/2009, XXXX, ACCOUNT NUMBER : XXXX, INDIVIDUAL ACCOUNT, {$180.00} ) is inaccurate because Medicare-XXXX General Information : ( " XXXX. We are a doctor 's office and heard that we can not bill people with both Medicare and Medicaid, even if we do not participate in Medicaid. Is this true? XXXX. For services that are covered under Medicare, you can not bill a Qualified Medicare Beneficiary ( QMB ), even if your office does not accept XXXX. A QMB is someone whose income does not exceed 100 % of the XXXX XXXX XXXX and who is eligible for XXXX paying Medicare premiums, deductibles, and coinsurance for both Part A and B. Even if the person signs a document accepting liability for any treatment costs, you still can not bill them, as QMBs can not waive this right under XXXX. Providers who bill a QMB for costs above the Medicare and XXXX payments ( even when XXXX pays nothing ) are subject to sanctions '' ). ( XXXX ). I am requesting that the item be deleted to correct the information. Enclosed are copies of ( Partial XXXX Credit Report with item circled, ) supporting my position. Please reinvestigate this matter ( s ) and delete or correct the disputed item ( s ) as soon as possible.
06/13/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 386XX
Web
An XXXX XXXX XXXX account was opened in my name, without my knowledge, at an address in XXXX, GA. I do not live there, I live in a totally different state, Mississippi, and I have not given permissions to anyone to acquire any services. While checking my credit report, I saw that a collections company had reported a {$490.00} debt to all three credit bureaus in XX/XX/XXXX, so I disputed this item in XX/XX/XXXX with all three bureaus.

As a result, each credit bureau has continued to report this item as a negative adverse account after the dispute. What actions did they take to resolve this issue? They called the collection agency.

I feel that XXXX XXXX XXXX is allowing this to happen to consumers because their ultimate goal is to make money by any means necessary, including identity theft and fraud. They have workers who install services in homes without asking for proper identification. This simple action would alleviate a lot of problems with identity theft and fraud, but its not being done. Then, its reported to a collection agency who makes money by reporting it to the credit bureaus, because consumers would rather let their credit remain adverse or pay it to make the problem go away, than take the time to let their voices be heard.

Identity theft has happened to me several times. I have worked hard to keep my credit in good standing and I refuse to pay for something I have not consumed.

09/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MI
  • 483XX
Web
I am signed up for XXXX credit monitoring, and received an alert that a new collection account has been added to my credit reports. I have attached a screenshot of this from my XXXX credit monitoring service. I never received any correspondence from Franklin Collection Service regarding this debt. If i would have received this information, I would have paid this debt immediately during the validation period so the account would not show on my credit report. I contacted Franklin Collection Service and asked to speak to a supervisor. The supervisor had an extremely standoffish and rude tone and told me to take it up with the post office because he said they did send me documentation. When I asked him to send me another copy of the documentation that they sent me, he said " too bad '' and to, again, take it up with my post office. Unfortunately I am rebuilding credit so I am aware of how these situations work. Franklin Collection Service never sent me the initial information and communication about them having this debt, and I never even knew about it until my credit monitoring service picked it up. I am requesting that this account be deleted from my credit reports due to Franklin Collection Service not following the proper procedure to communicate this debt to me. Please let me know if you need any additional information from me. I will be glad to assist in order to get this matter resolved.
01/04/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 751XX
Web
I opened a XXXX/XXXX account with XXXX XXXX XXXX for my son. He lost his job and canceled service before contract ended. I made arrangements with XXXX XXXX XXXX/XXXX to pay out the contract and made monthly payments, paying the final payment on XX/XX/XXXX. In XX/XX/XXXX a report was made to all 3 credit reporting agencies of a collection due against me opened XX/XX/XXXX by Franklin Collection Services. This has damaged my credit and dropped my credit score up to 80 points. I disputed this with all 3 credit reporting agencies and contacted both Franklin Collection Services and XXXX XXXX XXXX. XXXX XXXX XXXX has told me multiple times over the phone that all my accounts with them have been paid and nothing is owed for this bill. I also have a statement from XXXX showing a XXXX balance on this bill. I also told Franklin Collection Services that this bill has been paid and emailed them a copy of the statement. This bill was paid in XX/XX/XXXX before XXXX XXXX XXXX ever reported this as a collection but they refuse to remove it from my credit report and have continued to send requests for payment. They state that XXXX XXXX XXXX still shows this as due, even though XXXX XXXX XXXX has verified multiple times to me that there is no balance owed. So either XXXX XXXX XXXX or XXXX XXXX XXXX is giving false information and it continues to damage my credit. I have been trying for 4 months to get this resolved.
07/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37421
Web Servicemember
XX/XX/XXXX, I decided to change my cable service from XXXX to XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX service technician came out to install the service, but informed me that I did not have a proper spot to install the dish and that I could not have the service. I called XXXX XXXX XXXX to let them know that I could not receive the service per the service technician. I asked them to please cancel the service, the customer service agent said that there will be no charge and all services are canceled. Later in the months, a bill was sent saying that I owed them {$130.00} for services. I explained to them that I canceled the services and they were never installed, I never even discharged XXXX services. They once again assured me that they will take care of it. After some months past, I noticed on my credit report that I owe XXXX XXXX XXXX, I disputed the charge, but XXXX XXXX XXXX kept reporting it. I have been harassed by credit agencies for over a year, until I decided enough is enough and contacted the XXXX. The president of XXXX XXXX XXXX finally contacted me to apologize and inform me that I do not owe anything and the charge would be remove from my credit report. I replied back stating that I should be monetary awarded for the harassment, embarrassment, a false amount posted on my credit report and being depressed for their mistake. I have not received a reply since XXXX XXXX, XXXX.
09/28/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90260
Web
This complaint is against FCSI aka : Franklin Collection Service , Inc . I want to keep this company from reporting inaccurate information. I do NOT owe this bill of {$62.00} and I expect them NOT to report inaccuracies. FCSI has purchased my account from another collection agency after XXXX XXXX XXXX ( original creditor ) & XXXX has since removed their accounts for the amount of {$62.00}. I want to ensure that FCSI does not report this erroneous account to collections. They failed to show me all the proof I had requested to prove that this account that has been removed from XXXX XXXX XXXX and XXXX XXXX, is mine. They also ignore my request to furnish the information in the letters attached and remove this account. I wrote to them XXXX times with certified mail and the last time received no response. I am disappointed with XXXX XXXX XXXX and disgusted by FCSI companies ' practices.I would never recommend any of these companies to anyone as being honest and forthright. I must say, it must be against the law to double dip. All of these collection companies claim this so called " account '' as a loss when they do their taxes. By doing this, they forfeit the chance to get paid, while collection companies also try to collect money from unexpected customers, which is considered " double dipping ''. I would like to shine a spotlight on this and every company trying to do shady business.
08/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • OH
  • 44067
Web
I received a collection notice from Franklin Collection Services. On my first three attempts, I had a problem using their website to pay off my {$130.00} collection bill. I paid the collection bill over the phone on Tuesday, XX/XX/2020 in which an agent informed me that they will no longer make any derogatory reports on my credit. However, to summarize the number of derogatory reports that they have made on my account, the made several in almost a ten day period about the same collection notice meaning that duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. The dates are as follows : 1. XX/XX/2020 2. XX/XX/2020 3. XX/XX/2020 4. XX/XX/2020 ( The same day the dept was paid off ) 5. XX/XX/2020 ( After the debt was paid off ). 6. XX/XX/2020 ( After the debt was paid off ). 7. XX/XX/2020 ( After the debt was paid off ). In addition, on Sunday, XX/XX/2020, I filed a complaint against Franklin Collection Agency with the XXXX and The Ohio Attorney General. I called Franklin Collection service again on XX/XX/2020 after receiving another notification of a negative inquiry on my account for the same debt that was paid off. The debt collector does not have collection authority on this account which represents an inactive debt and several duplicate reporting for the same account and the multiples, all six of them, should be deleted.
09/12/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • XXXXX
Web Servicemember
The debt was previously with XXXX., and discharged after they sent me verification that did not match up with the amount owed. I received notice from them that they will not pursue this debt any longer. That is when it ended up with FCSI, Inc. I have been having to deal with a debt that I have disputed. It keeps going to new collection agencies once a previous collection agency has stopped dealing with it after verification fails. I recently documents that supposedly verify the debt with FCSI, however, not a single XXXX of the statements even matches the amount which Franklin is attempting to collect from me. Franklin says the debt of {$190.00} was incurred XXXX/XXXX/15, as evidenced by the letter I included, but both statements from around that date both show different amounts that do not match this. I have included the XXXX statements for XXXX XXXX, 2015 and XXXX XXXX, 2015, which are the closest to the date I am alleged to have accrued the balance of {$190.00}. I have also included XXXX later statements from XXXX XXXX, 2015 and XXXX XXXX, 2015, which illustrate the way this debt has fluctuated by incredulous amounts. If this debt was valid, it does not make sense how the amounts could constantly change, and also not match the amounts which the debt collection agency has attempted to collect. I am wanting to dispute this debt, and have it not reported to any credit bureaus.
04/08/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77449
Web
On XX/XX/XXXX, I contacted Franklin Collection Services regarding a collection that appeared on my credit report. I informed them I was a victim of identity theft and the account was fraudulent and belonged to an address I had never resided. I have never authorized or given anyone permission to use my personal information. On XX/XX/XXXX, I emailed XXXX a copy of my identification, police report and FTC Affidavit. I also mailed a request for validation of this debt along with the same documents emailed. As of XX/XX/XXXX, Franklin Collection Service continuesto report the collection as valid on my credit report prior to validating the debt as requested or providing any written notice pursuant to 15 USC 1692g ( a ) and ( b ). They failed to 1. Cease all collection activity, including reporting until proper validation of this debt was provided. 2. Provide me with validation or information regarding this debt within five days of communication. 3. Failed to notify credit bureaus of the dispute. Furthermore, Franklin Collection Services informed me the account was opened in XX/XX/XXXX. However, according to my credit report, it shows the account being opened on XX/XX/XXXX which would clearly indicate inaccurate and outdated information ( still resulting from fraud ) being reported to my credit report. My credit report shows an update on XX/XX/XXXX that supports my complaint.
01/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30122
Web
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from 10 XXXX XXXX defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with FRANKLIN SERVICE INC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by XXXX XXXX XXXX stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). FRANKLIN SERVICE INC can not and will not ever produce a contract between me XXXX XXXX and FRANKLIN SERVICE INC because that contract does not exist.
07/19/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91748
Web
I recently checked my credit report and saw a negative entry from Franklin Collections in the amount of {$300.00}. I have never been informed of any outstanding debt by any companies and was never contacted by phone or mail by this collection agency. I contacted Franklin Collections on XXXX XXXX, 2015 by email to inquire about this supposed debt. After providing XXXX XXXX XXXX my social she responded back with saying I have a case number ( XXXX ) and that it shows a debt of {$300.00} for XXXX XXXX XXXX XXXX. I have never in my life had an account with XXXX XXXX XXXX or used XXXX service. As a matter of fact, XXXX service is not even available in my area! They did not provide me with the name on the account but when I proceeded to contact XXXX XXXX XXXX, they said they could not provide me with any names or phone numbers associated with the account and that to handle this I would need to file a dispute with the credit agency. I have requested multiple times to XXXX XXXX to offer me information on opening a dispute but get no reply. She was quick to offer me informations out the amount owed but now I am being ignored and have this negative entry on my credit that does not belong to me. Here is the collector 's information : XXXX XXXXCustomer Service SupervisorFranklin Collection Service Inc. XXXX XXXX XXXX XXXX. XXXX, MS XXXX Ext. XXXXFax XXXXXXXXXXXX
08/25/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30087
Web
Dispute Amount : {$120.00} Service Provider : XXXX XXXX XXXX This is a follow up to an earlier complaint # XXXX filed against XXXX XXXX XXXX. That complaint was resolved when the company agreed to remove my name from their contact list and that they would contact the relevant credit reporting agencies to remove negative information placed by them. As I have reported previously, I have not had any business relationship with XXXX XXXX XXXX for years and they have not contacted me regarding this matter. As a matter of fact I have sent a letter to the CEO regarding this matter. It was my understanding that after I reported the issue that it would be the end of this matter. But that was not to be as I was informed by my credit monitoring agency today that a negative item was placed by a company I have never heard of on my credit report. My investigation of this matter indicates that this is the same item just another corrupt collection agency. This agency is Franklin Collection Service in XXXX, MS . I have never been contacted by this company and I have no idea who they are. Tried to call the number I found for them and could not reach anyone. I am irate that this matter will not die and is being reactivated by these unscrupulous collection agencies with no restrictions as to how their actions affect my credit. There has to be a way to put and end to this.
11/11/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KS
  • 67217
Web
I contacted Franklin Collections on XX/XX/2019 about an item showing on my credit report. In the phone call, that I have attached to this complaint, I advised the collector that I did not know what this item was for and that it was the result of identity theft. Per the brady decission, a collection agency is to record a dispute, regardless of how they receive the dispute, and answer the dispute and mark it as disputed on their credit report. This is further required by the Fair Credit Reporting Act. In the call, the collector refused to mark my account as disputed, despite receiving a clear verbal dispute, and demanded I complete paperwork in order to answer the dispute. This requirement is in clear violation of the Brady Decision. Further, because there is paperwork, it seems that this goes beyond just a collector violating the law, but an industry practice on the half of Franklin Collections for which they should be liable for. As I clearly outlined the dispute and Franklin Collections engaged in practices to suppress my consumer rights, and they are clearly liable, I have obtained an attorney to pursue a lawsuit against Franklin Collections and the collector individually. It is clear that the CFPB should initiate an investigation into this matter as well as an audit of Franklin Collections to ensure they are complying with the law.
06/01/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30121
Web Older American
XX/XX/2015 I received a notice from XXXX collections that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, Franklin Collections Services. I called XXXX and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. XXXX on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. XXXX is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!
12/03/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77071
Web
A collections account was placed on my credit report by Franklin collection services for {$40.00} in XX/XX/XXXX, the original creditor is XXXX XXXX XXXX. I was a victim of XXXX XXXX in XX/XX/XXXX and canceled my services due to total loss of home after flooding. I informed XXXX that the equipment was damaged and couldn't be returned. I was initially charged for the equipment cost although they were aware the equipment was damaged and couldn't be returned. I was informed by a rep they would check the zip code of my address to ensure that area was declared a disaster area. After doing so, the equipment cost was refunded and the balance owed was {$0.00}. I didn't use XXXX services after that time. 1 year later, I have a collections reporting from them. I never received a bill or any notice of a debt owed from XXXX. I also spoke to a rep on XXXX in regards to this issue and the rep informed me she couldn't explain why I was billed for the {$40.00}. She also contacted the collections dept who couldn't pull up any information either. It is an unfair practice to place a collections account on my credit without giving any notification or contacting me to rectify the situation. If I owed {$40.00}, I would have paid the amount. I was told by XXXX the balance was {$0.00}. Please remove any negative marks from my credit reports immediately.
05/16/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • XXXXX
Web
TO : XXXX XXXX : CFPB & FCRA & SCRA RE : Not my address reported by XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I do not acknowledge this address or debt of inaccurate information on the alleged address. I do not recognize. This information or alleged account is reporting on my credit report. I do not recognize the address. I have never lived at this address. I do not recognize any account related to this address. Every that they have reported does not meet the FCRA. I AM EMPLASIZING on 100 % MAXINUM POSSIBLE ACCURACY. I am giving you 30 days to verify the 100 % accuracy and validate this alleged information that is false and is negative on my credit report. Per the authority of the following Federal and State Laws-Requirements I request the following. 15 USC 1692 G CFPB 15 USC 1681 2 FCRA 15 USC 1681 I 15 USC 1692 b 15 USC 1681 ( 5 ) 15 USC 1681 e 15 USC 1681 i ( 5 ) 15 USC 1681 B 15 USC 1666 b 15 USC 1692 i I am asserting my right/s under Federal and State FCRA that collection and reporting practices act. And including those rights because I have disputed this debt in writing within 30 days of receipt of your Initial notice. If you fail to provide verification of the items above, these items must be deleted. Failing to report Information correctly violates the fair credit reporting act. XXXX XXXX XXXX
11/28/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35801
Web
Established contact via email with Franklin Service regarding an alleged medical debt I owed on XX/XX/XXXX with XXXX XXXX in the amount of {$250.00}. A proof/outline of the debt was requested and a printout was sent to verify I was in communication with the right company that matched the letter they sent. On the same day, I requested an itemization of the debt from XXXX in order to verify the debt was real. I followed up further with XXXX on XX/XX/XXXX as an itemization of the debt had still not been provided. XXXX then sent a response confirming that an itemized statement will be sent. After no contact or response providing the requested itemization of the debt from Franklin Service, I received a phone call on XX/XX/XXXX harassing me for the debt again. I then requested the same debt itemization breakdown over the phone and they confirmed they would work on sending it to me as I couldn't pay the debt without validation. As of XX/XX/XXXX I received a response from XXXX at Franklin Service stating that they are still working on getting an itemized statement. It has still not be provided to me. Per 1006.34 Notice for validation of debts, the five day window for providing me with this itemized debt information has now passed given that it is now XX/XX/XXXX. Please see attached email messages regarding communication.
09/15/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • AL
  • 35805
Web Servicemember
While attempting to refinance my home recently, there was a debt collection in the amount of {$42.00} on my credit report which disqualified me for a mortgage refinance. The debt was reported by Franklin Collection Service, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. Phone : XXXX. XXXX : XXXX. I called them and asked them what this bill was for and why it was reported as a collection, They stated that it was for a medical co-payment bill from two years ago. I stated that I was not notified of this bill or notified that it was even turned over to collections and paid the outstanding balance of {$42.00} plus a {$15.00} service fee. I was told that the collection would be removed from my credit file, which is has not. According to the FDCPA, I was not notified that I even had a bill, and the bill was reported to all XXXX credit bureau 's without my ability to confirm its validity or refute it if was not a valid debt. The debt collector violated 15 USC 1962e Sec 807 as there was no communication by the collection agent prior to reporting the collection on my credit report. They were also in violation of 15 USC 1992f sec 808 for collecting a {$15.00} processing fee above the principle amount of {$42.00} owed. And they also violated sec 809-validation of the debt in 809 ( 1 ), ( 2 ), ( 3 ), and ( 4 ).
01/05/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33027
Web Older American, Servicemember
Starting XX/XX/XXXX, my credit report received a notice of a NON PAID DEBT currently in " Collections '' from a Company called Franklin Collections in XXXX, Mississippi which they reported as a " DEBT '' Owed XXXX XXXX XXXX. I have never lived in Mississippi. NOW, Franklin Collections is sending adverse information every 2 days to the Credit Reporting Bureaus in violation of Federal law related to " harassments ''. I filed a dispute with the Credit Reporting Bureaus requesting proof of debt, date debt was incurred and any other information related to this debt. Franklin Collections filed a false " certification '' of the debt to the collection bureaus and did not provide a copy of he " proof ''. XXXX XXXX XXXX does not have authority to even operate in Mississippi according to he Mississippi Public Service Commission. I am not aware of any amount due to XXXX XXXX XXXX. Company : Franklin Collections SV, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX. TEL : XXXX. There are numerous of Federal Law and I request you take federal ( Fair Credit Reporting Act ) action against this company as Congress has given you enforcement authority. The date of the debt is wrong as it shows the debt was incurred in XX/XX/2019 which is false and proof that the company violated federal law! There is no collection.
02/12/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28546
Web Servicemember
XX/XX/XXXX I received an email on my XXXX account about a decrease in my credit score of XXXX. Upon checking my profile I discovered a total of {$290.00} was sent to a collections company called Franklin Collection SV. ( XX/XX/XXXX ) XX/XX/XXXX I contacted the collection agency who advised me an individual opened an account with XXXX XXXX XXXX two years ago in my name and/or social security number. During the past two years the thief paid on time and upon the completion of their term, returned all borrowed hardware. The remaining {$290.00} was an end of contract fee. This account was opened in XXXX Illinois. A location of which I have never lived in nor visited. I have lived in North Carolina for the past 8 years. Once I was aware of the case information I requested the collection case be labeled with a dispute. I notified XXXX and notified them of the case being labeled with the collections agency as disputed. XX/XX/XXXX - competed this report for investigation. *Note - I was a victim of identity theft prior to this incident. Around XXXX of XXXX in the same location of XXXX Illinois as a result of an account being opened with XXXX XXXX XXXX XXXX XXXX The result of that investigation found me to be in-fact a victim of identity theft and not responsible for the collection case.
11/21/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 38135
Web
I went to see XXXX XXXX on XXXX XX/XX/2019. I was sent a bill without the description of services or being itemized. I asked several times for and itemized bill and never received one. I received a final bill, ( still not itemized ) on XXXX XX/XX/2019, I called and asked for an itemized bill and was told they would send it if I paid the bill. I paid the bill over the phone with the billing department, and received a receipt in my email. I fund out today that there is a company called Franklin Collection Services,XXXX XXXX XXXX XXXX , XXXX , MS XXXX, that is reporting that they are trying to collect for the bill to all three of the Credit Reporting Agencies. I called Franklin Collection Agency, they took my information, including my Social Security Number, and they said that they couldn't speak to me about the collection of this debt and that I needed an attorney. They said that they could only speak to XXXX XXXX the Doctors firms name. I offered the receipts and they said that I could have my attorney submit them in court. I called XXXX XXXX back and they said that they couldn't do that because they didn't have any amount to be collected. I believe they took my personal information for fraudulent reasons! I am not sure what their scam is yet, but expect calls from them in the future!
03/03/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91754
Web
Back in 2017, I disputed phone charges on two accounts with XXXX XXXX XXXX and reported them to the California Public Utilities Commission. As the result of the complaint I filed, the matter was referred to XXXX XXXX XXXX XXXX President 's Office. After a number of telephone calls with individuals from this office, XXXX XXXX XXXX agreed to discharge the phone charges in its entirety. The charges remaining in the account XXXX also had been discharged by members of the XXXX XXXX XXXX XXXX President 's office. Both of these XXXX XXXX XXXX accounts have been closed and all remaining charges cleared. Notwithstanding, XXXX XXXX XXXX has forwarded this discharged amount to several debt collection agencies, who have contacted me via letter and by phone to collect the amount of what originally had been {$31.00}, and without any basis increased to {$45.00}. This " Franklin Collection Service '' has threatened to blackball my otherwise clean credit. It would be an easy thing for me to just pay such a small amount to get rid of these annoying and harrassing debt collectors. But I find the incompetence of XXXX XXXX XXXX and the threats of this collection firm extremely offensive, and would like others placed in similar position from myself from similar tactics by filing this complaint.
07/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77521
Web Older American, Servicemember
I got a notice from XXXX that there is a collection added to my credit report. Franklin Collection Services, XXXX XXXX XXXX XXXX. XXXX MS. XXXX XXXX. It was for {$1200.00}. This debt originated more than XXXX yrs ago from XXXX XXXX XXXX. I had there services when I lived in XXXX. When I changed services, they mailed me the boxes to return the equipment in. I mailed their equipment back to them. A couple of months later they sent me a letter stating they never got the equipment, and billed me {$1200.00}. Obviously I called to try and straighten this out, but were adamant. Seriously, what am I going to do with the equipment without their service. Since then, at least once a year, but this year twice so far that XXXX XXXX XXXX debt is being sold to third party collectors. Just a few months ago it was XXXX XXXX XXXX. This hurts my credit score every time it shows on my report. This has been an albatross for more than 10 yrs. Also what they do is show I opened an account with them. When I don't pay they report that I was late. This is really hurting me. I beg you please help me with this. I am XXXX yrs. old and I don't need this aggravation in my life right now. Isn't there a statute of limitations on this kind of stuff. Please help me. Sincerely, XXXX XXXX XXXX
05/23/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 379XX
Web Servicemember
My family and I moved to TN in XX/XX/XXXX and before moving I terminated our XXXX XXXX XXXX account. After said move I noticed that Franklin Collection Services was reporting on my credit report with a debt. Upon seeing said report I promptly contacted Franklin Collection Services and was told that the collection was for XXXX XXXX XXXX. I explained to Franklin Collection Services that I had not received any notice that told me I had any past-due amount and that no one had contacted me regarding this issue. Franklin Collection Services told me that I could pay the debt and the account could be closed. In XX/XX/XXXX I made payment to Franklin Collection Services of {$140.00} which paid the debt in full and the account was closed on XX/XX/XXXX. After closing the account I contacted Franklin Collection Agency to ask them to remove the closed account from my credit reports to which they said " XXXX XXXX XXXX will not allow us to take the account off the credit report ''. My family and I are trying to buy a home and this negative mark on my credit report is hurting the chances of getting that home. No one had contacted me regarding this issue. I paid the account in full. I would like the negative mark removed completely from all 3 credit reporting agencies. Thank You.
02/19/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MN
  • 551XX
Web
I XXXX XXXX XXXX XXXX Harassment or abuse-Per this statute I am reporting this company for unfair practices. I was called on XX/XX/20 at XXXX CT about a XXXX XXXX XXXX account. I told the collector that I can pay on XXXX as I had a wedding end of this month. He told me I needed to pay at least {$50.00} to hold the payment arrangement. If I did not pay this would go against my credit. I explained its already on my credit. He said collection efforts would continue so I told him to cease and desist all calls ( I am a XXXX XXXX for a debt purchasing company so well aware of all of this ) and that I would call back when I'm paid to resolve this account. He said again, collection efforts will continue, in which I told him I ceased ALL COMMUNICATION. He can not continue efforts. He then threatened me again with credit bureau reporting. I ended the call and called back requested a manager. I spoke to a nice lady who validated the collector should not have harassed me how he did and she would review the call. She also told me she could take my bank information to set up the arrangement. I did not set up arrangement due to the FDCPA violation. The collector could have easily resolved this account but decided to be combative with me, the consumer. I was willing to pay.
04/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85024
Web
I was contacted by Franklin Service , INC in XX/XX/2022 and was spoken to very rudely asking for my personal information. I inquired who was calling and the caller hung up, I received several more calls that went the same way over the next four weeks. I was able to speak with someone after the ninth time that I was contacted and was informed that they were collecting a debt on behalf of XXXX XXXX. I informed that person that I spoke with that I had never had service with XXXX XXXX and they simply stated, " ok '' and they hung up. I have never received any information other that the harassing phone calls. On XX/XX/XXXX, XXXX my credit report was updated with a collection account from Franklin Service , INC and it is FRAUD. I contacted XXXX XXXX and they went through their data base and informed me that they could not find any record of me having an account with them past or present. They informed me that Franklin Service INC was not an authorized collection agency for XXXX XXXX and that I should file a fraud complaint. I went to the XXXX and they have hundreds of complaints against them for this very tactic where consumers verify that they have never been a consumer of XXXX XXXX but are being bullied into a collection dispute with Franklin Service , INC
04/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 37211
Web
XXXX and XXXX continue to report information on my credit report, stating that a credit card was opened XX/XX/XXXX with XXXX XXXX XXXX XXXX. This was investigated by XXXX and deleted off the account. I have sent copies to each credit bureau of the deletion yet they still refuse to remove it. Also, XXXX ( opened XX/XX/XXXX ) is reporting on XXXX. I have sent three letters, one of which showed proof that this account was removed from XXXX and XXXX, yet XXXX continue to report this on my report. Franklin Collection is reporting about an account which is showing an opened date ( XX/XX/XXXX ) how is this possible. I never received any bill stating anything of a hospital bill of {$110.00}. I don't know anything about this account. There is proof that XXXX and XXXX have been investigated and deleted from other bureaus yet they are still reporting on at least one of the bureaus. According to the Fair Credit Reporting Act Law, this is a violation with the reporting bureaus of non-compliance of which I've sent three or more letters asking for proof of these accounts. Asking them to provide the original documents with my signature. This is damaging my credit report and I am thinking about seeking justice for any inaccuracies that are being reported on my account.
10/12/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 920XX
Web Servicemember
While attempting to apply for a home loan, I was informed that XXXX XXXX XXXX had sent an unpaid bill for {$210.00} assigned to me to Franklin Collection agency, case # XXXX ( XX/XX/XXXX ). I never received written notice by either XXXX XXXX XXXX or Franklin that I owed any money. Also, when I contacted XXXX XXXX XXXX to explain and itemize services performed for this bill collection representatives had no record of this account ( XX/XX/XXXX ). I submitted a written notice of dispute to Franklin on XX/XX/XXXX. I followed up by contacting ( XX/XX/XXXX ) and requesting Franklin to explain and itemize services associated with this account and have yet to receive correspondence. However when I asked why my credit rating was lowered for a charge I hadnt received, Franklin customer service admitted the billing address on file for this account was not my mailing address. In addition, the filed address they provided is actually not a valid mailing address according to the US Postal Service. It is important to note that the invalid address Franklin had on file was provided to them by XXXX XXXX XXXX. I am currently an XXXX XXXX XXXX customer with current contact information on file. I have never missed a payment for any bill sent to me by XXXX XXXX XXXX.
07/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Impersonated an attorney or official
  • FL
  • 32506
Web
The collection Firm of Franklin Collections services of XXXX MS has been going back and forth about a debt I supposedly owed for a creditor. I sent a correspondence requesting a signed contract from this creditor stating I requested the services they are claiming I received after receiving a itemized bill from them to get this off my credit files knowing I never had anything through this provider but XXXX which I still have the rep by the name of XXXX stated that he could not provide the contract, that XXXX XXXX XXXX stated he could not settle the debt because they want the whole XXXX. He also stated that he is a contractor for XXXX XXXX XXXX so they have the final say and what they collect on the debt as a consumer I am very aware that collection agencies buy these debts for pennies on a dollar and definitely not a contractor for these companies. The last statement he stated is that I receive this service at my current address which is not the case. Please have this collection agency to remove said debt I supposedly owe off my all XXXX credit agencies for misrepresentation I 'm sure this phone conversation all can be verify which took place today XXXX XXXX because the debt collector stated it is recorded unless this is another lying tactic
06/26/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • IN
  • 46237
Web
This is my second dispute on this {$200.00} disconnected fee I moved to COVID beginning and my life was XXXX XXXX were called I paid my deposit upfront {$100.00} to XXXX then {$55.00} a month but I got robbed and threatened I told XXXX that Im moving cuz Im forced and COVID I was told to prints out shipping label and I returned it to XXXX that day and they got it all. Then they put a disconnect fee which I was told no customer service i moved police called and Covid they lied to me I won my disputed complaint then they were changing the company name I dont know how they got my ill fathers cell and sisters looking for me then I heard from them and was threatened to pay for a non bill service was disconnected before I moved and now from the old collection its been. Taking off using as I just dud this its against the to call me family and harass but keep putting the {$200.00} fee after making it a 2021 new account and putting it on my credit report 3-6 a week they need punishment and Ive lost jobs and help with loans fton my dad especially Im on XXXX XXXX XXXX then. And now it needs to stop I have XXXX and then private messages threatened me I feel unsafe somehow to XXXX I need to receive damages in mentally and harassed by phone calls
06/09/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35749
Web
I called Franklin Services to settle a debt I saw on my credit report. The amount the agent told me did not match what I saw on my report. I was told as a courtesy they withheld how much I actually owed on my credit report. I requested an itemized and detailed list of the debts owed. On XXXX occasion I was told it would be sent in an email. The second time I was told I had to make the request in writing. While waiting on the documents, I made a payment in the amount of XXXX plus fees. By the time the second agreed upon payment was due, I still had not received a receipt of payment nor an itemized bill. I called customer service and eventually ended up speaking to a supervisor named XXXX. XXXX literally argued with me about whether or not I received the itemized bill in the mail, blamed my post office and then retaliated after the conversation. I informed XXXX until he could produce proof I would not be making anymore payments. Since then my credit reports is impacted daily with delinquent notices from only Franklin Services. I dont believe all those delinquencies are accurate. I think they are resubmitting the same debts over and over to impact my credit. The amount still does not match what I was quoted or what I paid already.
06/21/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28314
Web
WAS IN THE PROCESS OF CHECKING MY CREDIT SCORE ON XXXX XXXX XXXX AND REALIZED THERE WAS A DEBT OF {$65.00} I OWED TO A COMPANY CALLED FRANKLIN COLLECTION SERVICE collecting on behalf of XXXX THAT I NEVER WENT TO FOR XXXX XXXX I CALLED THE COMPANY XXXX AND WAS TOLD THAT THEY HAD NO RECORD OF DEBT, THEY GAVE ME A NUMBER TO CALL I CALLED THE NUMBER WAS TOLD I OWED THE MONEY THEN THEY TOLD ME IT CAME FROM AN OLD DOCTORS OFFICE ( XXXX XXXX XXXX IN XXXX NC ) THE CLINIC I HAD NOT BEEN TO IN YEARS SO I CALLED THEM I WAS ON THE PHONE WITH BILLING FOR WELL OVER AN HOUR AND THE BILLING REP ( XXXX ) COULD NOT GIVE ME ANSWERS FOR THE BILL THEN ON TOP OF THAT SHE TOLD ME I HAD SOME OLD BILL THAT WAS WRITTEN OFF AS BAD DEBT BUT I WAS NEVER AWARE OF THIS UNTIL NOW. I STILL HAVE NO ANSWERS TO WHY I HAVE A BILL OWED ON MY CREDIT FOR {$65.00} FROM A COLLECTION AGENCY THE LADY REP FROM FRANKLIN COLLECTION SERVICE JUST SAID TO ME AFTER I TOLD HER I AM UNAWARE OF A BILL AND THE COMPANY XXXX " ILL DOCUMENT IT IS THERE ANYTHING ELSE I CAN HELP YOU WITH " WHAT THAT MEANS I HAVE NO IDEA I AM NOT REALLY COMPLAINING ABOUT THE {$65.00} ALTHOUGH I AM NOT TRYING TO PAY ANY MONEY THAT I DO N'T OWE I AM COMPLAINING THE MOST THAT THEY HAVE PUT IT ON MY CREDIT.
08/09/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 371XX
Web
I have two issues here regarding a debt that is under my name with Franklin Collection Services. There is a balance of over {$700.00} owed to XXXX. I have disputed this previously with another agency and was determined it was not mine and removed from my credit. I have told Franklin Collections this and yet they are still reporting this on my credit. I have a very common name and this has happened before. I have never lived in KY I am a resident of TN. I first reached out to this company on XX/XX/19 with my dispute. I have yet to receive any kind of validation or anything that even shows what this is for and who it actually belongs to. i have all of the email chains as i kept everything in writing. I have submitted a XXXX complaint which they still have not responded to and that was submitted in XX/XX/XXXX. What else can be done? They are in violation of federal law by continuing to report this and collect when my dispute was blatantly ignored and i have received no documentation that contests my dispute. Yet they still report this as delinquent on my credit.They had thirty days to address my concerns and it is pushing 90 days with no resolution. Please help! I have attached the emails showing how long this has been going on.
04/07/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • XXXXX
Web Older American
Franklin Collection Services of XXXX, MS appeared on my credit report at the end of XXXX, XXXX. They allege I owe them {$80.00}. I don't know them, I have never heard from them, and I most assuredly do not owe them {$80.00}. XXXX, the nonprofit legal firm that assists XXXX, XXXX senior citizens wrote them on my behalf at the beginning of XXXX. Helps told Mr. XXXX that I am an XXXX XXXX receiving only protected social security income, and that there was nothing to be gained here. Instead, Franklin Collection constantly updated my credit report on XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. This lowered my credit score 26 points. This was totally unnecessary and abusive, oppressive harassment in it's purest form. For the record, I have been an XXXX XXXX XXXX customer for years and they do not have a problem with me. So, I really don't understand why Franklin Collection Services took it upon themselves to harass a XXXX senior citizen in the middle of a global pandemic. My only concern right now with my underlying health conditions is trying to stay alive. I would appreciate it if these folks would delete this from my credit report and just leave me alone. Thank you. Everybody stay safe and be blessed.
12/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80550
Web
Franklin Collection Agency has placed a debt on my account, for money I do now owe, to XXXX XXXX XXXX. Initially, I called Franklin on XX/XX/2020 at XXXX and spoke with XXXX. I gave her the correct spelling of my name XXXX, XXXX. She did not have anything with the spelling of my name! Next, she asked for my phone number, XXXX XXXX XXXX. Again, nothing came up with my phone number! She asked for my social security number, which I refused to give. Not an appropriate question from what could be a scam. Further, I have read that there are numerous complaints about this company, targeting people saying they owe money for an XXXX XXXX XXXX bill, that they do not owe! I called XXXX today and they said to call Franklin Collection, ( which I did again, today ), and ask for a document showing, that they have my correct information. I spoke with XXXX at XXXX XXXX, who refused to provide any documentation. Additionally, she refused to look up my name. Franklin collection has numerous complaints and needs to be investigated. Further, I need to have this false claim removed from XXXX. XXXX removed it, but XXXX said that they need a document from Franklin, that they are refusing to provide. Please help clear my XXXX credit report.
08/04/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35405
Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago from the credit bureaus. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
07/07/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28210
Web Servicemember
XXXX overcharged my account which has since been closed in the estimated amount of {$250.00}, so I called my bank to dispute the overages and they stopped the withdrawal. I closed my account confirming a zero balance with XXXX on or about XXXX. XXXX then came back and claimed I owed them {$110.00} which has escalated in owing $ XXXX to date and continues to show up on my credit report over and over after my disputes pulling down my scores. I can provide the names of each debt collector if necessary ; however, my main concern is to stop the initial false accusation of debt by XXXX. I tried and failed to resolve this problem with XXXX spent countless hours on hold and being hung up on only to call back and request to speak to supervisors and was transferred to a Texas customer service office vice a supervisor after holding an additional 30 minutes. XXXX has pulled this tactic with others with whom I have talked to as a way to extort monies when one closes an account with them. As someone who is working very hard to improve my credit I am outraged by corporate tactics to BULLY consumers into paying monies they do not owe and wish to exhaust every means possible to ensure they do not succeed in extorting me any further.
07/29/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35404
Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Where is my sign hippa release form? Where is my financial responsibility form from this original creditor? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
03/17/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • XXXXX
Web
I signed up with XXXX on XXXX 2019 for a one-year service of $ XXXX. The bills came : XXXX {$140.00} XXXX : {$130.00} XXXX : {$150.00} XXXX : {$170.00} XXXX : {$160.00} Each month I called to complain and each month I received a new version of why my bill was higher : features I did not sign up for had expired.. etc etc. I would have to pay disconnection charges higher than keeping the service. We agree on $ XXXX. The first bill after the new agreement came in the amount of {$280.00} with the note that " ongoing monthly bills will be {$250.00} ''. All exchanges with their agents are duly documented. I understood this would be the same saga. I stopped service and pay the last $ XXXX we agreed upon. I have filed charges against XXXX XXXX XXXX XXXX XXXX XXXX XXXX claims ( Case No, XXXX ) and reported that to every collector that has called me asking not to send this to the credit bureaus until it is resolved. They consider I owe the difference from the last bill {$240.00}. XXXX have called me, scorned me for not paying the {$100.00} instead, and laughed about my filing. Despite that fact and my request to wait until this case is solved, they sent it to collections damaging my XXXX XXXX.
03/27/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account terms
  • GA
  • 302XX
Web
Franklin Collection Services sent me a letter dated XX/XX/XXXX, of which I did not receive until XX/XX/XXXX. Upon receipt of this letter, I immediately sent them a letter asking for them to validate this debt as indeed belonging to me and that I truly do owe them money. After this letter, I did not hear from them again until XX/XX/XXXX ( letter dated XX/XX/XXXX ) where I again sought debt validation from them. I finally received a letter from them ( see attached ) where they are stating that I requested a final bill. I DID NOT REQUEST A FINAL BILL FROM THIS COMPANY. MY LETTER ( SEE ATTACHED ) SPECIFICALLY STATED THAT I WOULD LIKE A SUMMARY OF ALL ACCOUNT ACTIVITIES, INCLUDING PAYMENTS MADE, LATE CHARGES, AND DATES OF CHARGES POSTED, COPIES OF SLIPS INVOICES, PROMISSORY NOTES AND ALL OTHER DOCUMENTS PROVING MY INDEBTNESS, COPIES OF ANY PAPERS THAT SHOW I AGREED TO PAY THEM WHAT THEY SAY I OWE THEM AND THAT THE PAPERS BEAR MY ORIGINAL SIGNATURE. Per the FCRA, I have a right to dispute and request validation for any item on my credit report. This company is reporting this account on my credit report and they DID NOT VALIDATE IT AS MINE ; THEREFORE THIS ITEM MUST BE REMOVED FROM MY REPORT.
06/21/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91977
Web
This is a formal complaint about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - FRANKLIN COLL . - Account type- COLLECTIONS. **I am disputing this account for inaccurate information. I had sent letters on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX to FRANKLIN COLL, did not hear back from them on both occasions. XXXX is reporting negatively on my Credit files and they all need to remove them immediately. FRANKLIN COLL information is fraudulent and inaccurate and that they need to remove FRANKLIN COLL IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX or FRANKLIN COLL. As of XXXX/XXXX/XXXX, FRANKLIN COLL is still reporting negatively on my all three credit files. I want this deleted immediately from XXXX credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help
11/13/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • AZ
  • 85044
Web
I dont know who Franklin Collection services is, and I have had this trade removed SEVERAL times from my CRAs because I do not owe XXXX XXXX XXXX. They continuously leave messages threatening to go to my job and home and take me to jail. I DO NOT KNOW THIS COMPANY NOR OWE any money. Franklin Collection Services opened a collections account on my credit reports on XX/XX/20 in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Franklin Collection Services has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with Franklin Collection Services. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
05/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43213
Web
In XXXX of XXXX I was alerted by XXXX XXXX that it was a collection put on my credit report for XXXX XXXX XXXX XXXX : FRANKLIN SERVICE INC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I immediately type and sent a certified letter to said collectors stating that I never had an XXXX XXXX XXXX account here in XXXX, XXXX I have no account number for this alleged account nor have I ever received a bill containing an account number at my address/ addresses. I move here to XXXX XXXX, in XX/XX/XXXX with no job or financial means so I resided with my cousin at XXXX XXXX. Once I got on my feet I moved in my own place XX/XX/XXXX. I work 12 hours a day 6 days a week. I can not afford any extra amenities. Then I moved in with my ex to XXXX XXXX XXXX XXXXhen to his apartment XXXX, at which both places had XXXX for internet services and TV. The only cable that I aquired is XXXX which was turn on upon my move in XXXX XXXX XXXX in XX/XX/XXXX about 3 to 6 months later. This is not my account nor do I have knowledge of it. As it has taking me some time to get my credit rating at a decent score this fraudulent account has brought it down. Please assist me in resolving this matter
01/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75068
Web
In XXXX of 2014 XXXX XXXX XXXX sent a return label to me after I canceled services due to moving out of their area of service in order to return the XXXX ' television receiver boxes to them. I took this label to the XXXX nearest my home and sent the boxes back to them. It was about 6 months later and I received a collection notice from a third party agency stating that I did not return the boxes and they are collecting the debt. I did not have the confirmation receipt when I gave them to XXXX in order to prove the return, because it was several months later and I did not know that I would need to have kept it. XXXX XXXX XXXX can look up the labels they printed me and research the boxes that I shipped back, but I only got the run around when I called in order for them to help correct this issue. It is now on my credit as an outstanding collection of {$350.00} from an agency called Franklin Collection SV. This has been transferred several times to different collection agencies after I have called each time to dispute it. They just transfer it to someone else rather then help get it proven and removed. Please help me get to the bottom of this. Thank you!
01/25/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 952XX
Web
FRANKLIN COLLECTION SERVICE INC has stole my identity and are reporting fraudulently on my credit report. There is no contract binding me to this alleged debt, as it was In result of identity theft. 18 USC 1028 states they are violating my consumer rights by unlawfully transferring my authentication feature ( social security number ) electronically. I have token it upon myself to even request the validity of this account yet they never provided me with proper proceeders and policies that ensures the integrity of the account 15 USC 1681c-2 states that ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
04/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77049
Web
Franklin Collection Services Inc., added an account to all 3 credit bureau agency 's reflecting that I owe {$310.00} to XXXX XXXX XXXX XXXX. I transferred my service to XXXX XXXX in 2017 with is a subsidiary company, XXXX XXXX XXXX XXXX I called a XXXX XXXX XXXX discussed my bill with them and told them I was unaware I had bill because I'd never received a bill in the mail. XXXX XXXX XXXX corrected my bill and I paid XXXX XXXX XXXX {$280.00} to themXXXX XXXX XXXX XXXX also informed me that in 15 days, they would report my account as paid and Franklin Collection would remove their account from my report since they collected the debt. I called Franklin Collection Services to let them know, they need to delete/remove the debt from my report, because I don't owe them anything. I spoke to XXXX with Franklin Collection Services, and she advised me they will only update it as paid. I told her no, this needs to be removed because I did not owe Franklin Collection Services, I owed XXXX XXXX XXXX and I paid them and that they are reporting false information on my credit report. This has hurt my credit score, and I'm in the midst of purchasing a home.
10/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 770XX
Web
I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. The original application for this account with my signature. A copy of the agreement authorizing your company to collected on their behalf of the original creditor. FULL detailed accounting history on the account and the calculations on how they reached the amount owe. Provide verification on any judgments connected to this account. Provide your license to collect in my state and your registered agent name with their address. Please show proof that the Statue of Limitations has not expired in my state for this account. Provide the date of the last payment on this account. I received a Bill statement nothing with my signature proving that the debt belongs to me and I have been a victim of identity thief so I take verification serious
03/30/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 08005
Web
Contacted by Debt Collector, Franklin Collections Services , Inc. ( FCS ) in regards to repayment. I spoke to a Representative & agreed to pay {$50.00} per month through auto withdraw from my checking account. Instead of taking {$50.00} as agreed, they took an additional {$15.00} with each payment, which was not disclosed at time of making the repayment agreement. FCS did 3 transactions over a 3 month period after my Bank Institution stopped all payments. FCS was notified by telephone as well as Email to stop all withdraws as well as provide recorded conversations explaining that I was notified of additional fees & so far, FCS, has failed to do so & withdrew on my account. After payments were reversed 3 months later, FCS charged me a fee for reversing payment which again I was not notified of & FCS was notified to again, stop. I have made several calls to rectify this & told I would be called back by a Supervisor that never came about. Additionally this Debt Collector is not licensed in the State of New Jersey, which I reside in. Dates of Withdraw XX/XX/XXXX {$50.00} + {$15.00} XX/XX/XXXX {$50.00} + {$15.00} XX/XX/XXXX {$50.00} + {$15.00}
04/28/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CA
  • 95121
Web
Franklin Collection Service , Inc. attempted to collect a {$70.00} debt from an old XXXX XXXX XXXX account that I have not held for many years since I had transferred it to my roommate in XX/XX/XXXX. When my roommate had moved out and closed the account in XX/XX/XXXX, he stopped making payments which was when it got to collections. In some weird mix up, they had tried to contact my old roommate in his new address in XXXX XXXX, and yet some how still associate the debt under my name. I had only found out about it at the beginning of XX/XX/XXXX, by the virtue of my credit report. I quickly contacted them and out of confusion and panic, I had paid for the amount just so that I can get rid of it from my report. By law, I should have been given a 30-day period to either pay or dispute the charge. However, I was never contacted by anyone from Franklin Collections and according to their representative, the letter was sent to my roommate to an address that Ive never lived in. Even after contacting them and stating this on the phone and over email, they have still not gotten back to me and refuse to remove the collections from my report.
07/22/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35401
Web
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
06/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07208
Web
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
01/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30350
Web
I have had a collections notice placed on my credit report by Franklin Collection Service Inc at the request of XXXX. Upon contacting Franklin to learn what the debt was, it was clear this was not my debt : different state, address, phone and email. There is no evidence I owe this debt. I was never contacted prior to being placed into collections. Franklin refused to remove the collections notice from my credit report and required I provide them with written evidence the debt isn't mine ( which is backwards, they should provide evidence the debt IS mine ). This account was opened while I : a ) had a fraud notice was on my credit file due to the XXXX data breach b ) my credit was locked with all three credit bureaus c ) the account was opened using none of my personal information beyond my SSN I have attempted to contact XXXX 3 times today. I've waited on hold for over 60 minutes with their " Fraud Team '' and ultimately they just hung up on me without my call being answered. Other people at XXXX just forward me to this " team '' who never picks up the phone. I see no way that I can resolve this without your help.
10/09/2020 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 93702
Web
Franklin Collection Services A representative of this company called a line that is not registered to my name or my spouse 's name. This was a family member 's phone number. We have never used that phone number for any of our contact information. The representative then failed to verify their identity via social security number as they did later when I called back. They then released all the information about the details about the debt to that family member. I was made aware of this today, XX/XX/2020, and I called Franklin Collection Services. I spoke with a supervisor who said they are not required to verify identity further than confirming their name. The supervisor said she would investigate the phone calls and listen to the specifics. I told them they had in fact released the information to a third party. I informed them I would file a complaint and contact an attorney about this breach of information. Harassing a family member and continually calling a line not associated with neither I or my spouse. Releasing personal financial information to a third party Failing to see anything wrong with the mistake.
07/01/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32505
Web Servicemember
On XX/XX/2020 I suspended my XXXX XXXX XXXX XXXX service due to XXXX XXXX and service not being available in my area. At the time I was enrolled in autopay, as that was how all my bills had been paid and I did not change that. My service was to be suspended for six months. Due to XXXX XXXX I was not to be charged the $ XXXX monthly fee. However, my account was abruptly canceled and charged {$75.00} without my permission. I disputed the debt with the first debt collector, and won. They removed the account from collections. I attached the email with their response the day they removed my account from collections. A second collector, XXXX XXXX XXXX, attempted to collect this debt. This time I disputed directly with XXXX and informed them this was the second collection attempt. XXXX sided with me and removed the account from my credit report. This third company, Franklin Collections, is fraudulently trying to collect debt that is not owed to anybody since I have disputed it and won twice. It is ridiculous that debt collection companies can hurt peoples credit scores by trying to collect old debts that are not owed.
07/15/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33141
Web
Amount owed- {$100.00} Collections agency ( franklin collections firm, XXXX XXXX XXXX XXXX ( XXXX ) XXXX Agency sent letters in early XXXX for one or two unpaid sessions. Those were proven to be paid, and I thought this was a closed case. The 'medical ' company ( XXXX ) is an online only therapy support company. My therapist was licensed in the state of Virginia ONLY. When I had an appointment with her I had to be in the state of Virginia, or she could not have the session and be paid. The date of the service in question is XXXX, XXXX, XXXX. First, the company had my credit card on file and charged my account for each session. I never saw an invoice from them. Second, on XX/XX/XXXX I was driving to XXXX XXXX, Florida and I have a credit card statement that proves this. I have requested, on numerous occasions, a copy of an invoice or some indisputable evidence that I had a session on that day. I have never received anything from them except threatening letters ( see attached ). I have called the agency at least 6-8 times and still have not received any document, period ... except their threatening letter.
12/02/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MS
  • 390XX
Web Servicemember
I was hurt on the job. I was covered by workmans comp. I Supplied all required and requested information to hospital administration. I completed and turned in every form to my employer in a very timely manner. A few days later, I began getting phone calls about the hospital not receiving payment. I told my employer that there was an issue with the hospital getting payment because the insurance company did not have all of the required paperwork. My employer kept saying it 's all been taken care of, the company and the hospital will get it worked out. I stated my case to anyone that had any involvement in the process. Just hoping I would be released from the responsibility of asking adults who are professionals in the customer service industry to communicate effectively and identify issues that have very simple solutions. It quickly became clear that complete incompetence, or at-the-very-least fraudulent negligence by my employer and his insurance company. I quit my job and never again was able to have any conversation with my ex-employer. I ca n't even get info on which WorkComp Co. the policy was with.
03/17/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35405
Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
08/01/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 354XX
Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
09/22/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 354XX
Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
09/07/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35401
Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
04/28/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27295
Web
I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.
02/21/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NV
  • 894XX
Web
In XX/XX/2017 I attempted to set up an account with XXXX XXXX XXXX. They sent me a router, but I was unable to complete the set up myself so I scheduled an appointment to have a technician come out. XXXX XXXX XXXX did not come at the appointed time, nor did they come at the next appointment. I spent hours on the phone with them trying to come to a resolution, but they never actually sent a technician to my home. I canceled the account and sent the equipment back in XX/XX/2017. They did not actually provide me with any service. I never heard anything from XXXX XXXX XXXX, so I assumed everything was fine. However, I just received a letter from Franklin Collection Service Inc. attempting to collect a debt of {$170.00} from XXXX XXXX XXXX. They are charging me for {$150.00} for the equipment I returned and {$25.00} for a service they never provided. My mailing address, email address, and phone number haven't changed since XX/XX/2017 so I'm very surprised to receive a collections letter over a year after I thought everything was resolved. The collections agency is threatening to harm my credit.
08/06/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30253
Web
On XX/XX/2021, I sent Franklin Collection Service, INC a letter requesting that they validate a second debt that they have reported to the credit bureau as belonging to me. Here is some information about the debt they claim I owe : Date Placed for Collection : XX/XX/2021 Total Amount : XXXX FCSI Case # : XXXX This letter was sent as certified mail. Here is the tracking information : Tracking number XXXX Delivered XX/XX/XXXX, XXXX XXXX XXXX, XXXX Instead of providing documentation proving the debt belongs to me and showing how the amount I owed was calculated, or an obligation to pay, Franklin Collection Service, INC. sent back a bill, attempting to use the bill that they created as proof that the debt belongs to me. Not only that, but they also furnished and sent ANOTHER document, placing the name of the original hospital they say I owe close to the center, in order to create the false belief that valid documents were sent by or with the assistance of the XXXX XXXX when in reality it was only sent by them which is in direct violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms.
11/19/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 388XX
Web Servicemember
Im a vet. Went to XXXX XXXX XXXX place 4 years ago. Very XXXX XXXX XXXX. Had just moved to north MS had not transferred primary provider from XXXX to XXXX Ms. VA refused to pay all of emerg room visit. I got bill from hospital and presented bill to VA. I refused to pay part of cost. The partial amount went to collections. Franklin collections payed to get the account. What is owed is XXXX. But the collections company has not sent me any documents indicating that the amount owed for debt is any different than the amount that is on all three of my credit reports. The amount that Franknlin collections is trying to collect is XXXX. Am I liable for any amount that is not reflected on my credit reports? This amount of XXXX has been reflected on my credit reports for 3 and 1/2 years. Also, if I pay the amount indicated on my credit reports can Franklin Collections add more to my outstanding amount owed on credit reports? If so then this debt collector can indicate that I owe an outstanding amount ever you time I try and pay each outstanding debt owed on my credit report. An infamous loop to say.
04/26/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70816
Web
I am a victim of identity theft. I mailed a letter, certified, tracked and registered, as well as other documents to ( Franklin Collection Services ) which included an affidavit of Identity theft, three police reports from the XXXX XXXX Police attesting to and stating that my identity had been stolen on three different occasions, in three different years. Account ( s ) were opened in my name, without my knowledge as a result of the identity theft. After receiving this information via a certified, registered and tracked letter ( Franklin Collection Services ) has not responded and continues to report the unknown fraudulent medical account ( s ) on my credit report ( s ). The account ( s ) are : XXXX ( {$480.00} ), XXXX ( {$380.00} ), XXXX ( {$660.00} ), XXXX ( {$380.00} ) XXXX ( {$3100.00} ). I also requested that ( Franklin Collection Services ) advise me as to the names and addresses of the health care providers, the name of the patient, medical service ( s ) provided and the reported dates of medical service ( s ). ( Franklin Collection Services ) did not respond to this request either.
01/31/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • XXXXX
Web
I received an alert response and I dont agree with this debt because I am unaware of this debt like I told you in the last letter if you continue to force a debt on me that wouldnt be the best solution for you and your company and I will take legal actions immediately. This isnt a threat. You have used my consent without my validation, and you mentioned my demographic as if it has something to do with my personal information. I am a victim of identity theft and because of the recent breach by XXXX I believe that I was greatly affected by it. If you continue to list an unknown debt on my credit looking to collect I will make sure that I contact the attorney generals office in XXXX XXXX and file a lawsuit against your company for violating my rights and this isnt a threat or a warning. I wont be answering to any messages as I will forward all recorded calls, emails, certified letters and more evidence to prove that Im innocent in a court room. It wont be a surprise when you receive any documents from The XXXX XXXX County Courthouse. Please feel free to contact my lawyer from this point on.
10/18/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 35630
Web
My identity was stolen in XXXX, someone filed my taxes and received the refund. When I realized this had happened I immediately went to the IRS to see what I could do to resolve the situation after XXXX XXXX XXXX XXXX gave me the run around because they initially didnt believe me when I said I havent filed taxes yet for that year. The assistant at the IRS office only gave me info to send in affidavits to resolve this issue. I havent been able to file taxes within the last few years due to not receiving a pin to file them, fear, and lack of knowledge. Now, I have been doing more research, calling the companies, and wanting to check my credit scores to start my life and theres plenty of credit reports from hospitals and credit cards that Ive not been aware of. These are the accounts that are on my report. XXXX XXXX XXXX for {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX
10/30/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 190XX
Web Servicemember
XXXX signed up a contract on recorded line. I was promised {$49.00} a month with free {$150.00} visa card and free XXXX XXXX XXXX for 1 year. The price would then go to {$64.00} the 2nd year. After signing up I was never sent the visa card and charged the FULL MONTHLY amount for XXXX XXXX XXXX instead of free.. I tried rectifying more than a dozen times with XXXX. They refused to fix the error and would not playback the recorded conversation when the order was placed. I went through upper management several times, they would not fix the error. I canceled my service and requested a refund, they denied the refund. I stopped payment and told them I would pay the promised monthly fee but XXXX said no. This was a BLATANT bait and switch and did not deliver the promised merchandise. Since then they have been sending creditor after creditor to try and ruin my credit. This time it is Franklin Collection Services who had once again reported an erroneous debt to the Credit Agency 's. I WANT THIS REMOVED AND THE CHARGE COMPLETELY ENDED!! I NEVER RECEIVED THE PROMISED MERCHANDISE OR SERVICES!!!.
07/11/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • 29720
Web
Franklin Collection Service Inc has listed the same account 2 times on my XXXX credit report stating I owe them money from XXXX. This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on debt that does n't exist. Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. Franklin Collection Service Inc is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report. XXXX. Creditor : Franklin Collection Service Inc Account Number : XXXX 2.Creditor : Franklin Collection Service Inc Account Number : XXXX Please make Franklin Collection Service Inc delete these XXXX accounts from my XXXX credit report
10/10/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92606
Web
My name is XXXX XXXX with the XXXX XXXX XXXX account number XXXX. This company tries to charge me on the equipments I already sent them back through XXXX. They provided me with a email that how I can send my equipment and I did exactly what they did. But after a while I saw a report on my credit report that I owe them money for the equipments. I showed the collection agency the tracking number and the case was removed from my credit report. But now again same report appeared with different collection agency for the same account again. Now I am not in the position of the tracking number after a year but Im sure the ups store does have the tracking number since they have contract with them. This act is a fraud because they want to charge me for something I already paid them back. I canceled their service after a week I used their service because of poor connection I had with XXXX XXXX XXXX. They also opened two account under same device for the same apartment number. They promised to escalate the process for me but every time I call them they wont get any result from them
10/13/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22041
Web
I dispute illegal Charges against XXXX XXXX XXXX and illegal switching of my plan without my consent and that dispute was with XXXX XXXX credit card services fraud and claims. I won the dispute and what was a temporary credit became permanent. And acting of revenge XXXX XXXX XXXX used XXXX XXXX and Franklin collection companies to harm my financials and destroyed my financial records and unfortunately they succeeded. I was denied loans and the ongoing issue caused me emotional distress. I was able to make XXXX XXXX take off the negative item from my report but the so called Franklin collection gave itself the position of a judge and sided with XXXX XXXX XXXX and ruined my financials .i cant sleep anymore. I filed a complaint just recently against XXXX XXXX XXXX with the FCC : ticket number XXXX. I urge your bureau to protect my rights. This is so illegal. I attached the XXXX XXXX confirmation of dispute completed and credit permament to my credit account. I have XXXX of pages to show when we go to court soon and sue XXXX XXXX XXXX for all the damages and ongoing stress.
06/21/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 62521
Web
I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged deb which is a violation of the FDCPA. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. i am the original creditor so only i can validate this debt pursuant to 15USC 1692g and i do not validate this alleged debt. Sending things like contracts and bill statements is not a validation of debt under the FCRA AND FDCPA. As of this moment i am not seeking monetary relief i just need the alleged debt removed from my consumer reports but if its not i will be suing and seeking monetary relief of each individual violation that you have violated and also the emotional distress you have caused me hopefully it wont have to come to that, The ball is in your court you determine what happens next i know the law is on my side
08/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92078
Web
Sometime in early XXXX, I closed my XXXX XXXX XXXX account for cable. I returned the cable box by mail, but started receiving collection demands to pay for the allegedly unreturned cable box in the approximate sum of {$200.00}. I disputed this debt with the first collection company ( can not remember the name ) and assumed it was resolved. Then, the " debt '' was apparently " sold '' to another collection company, XXXX XXXX XXXX. Even though I disputed the debt, I paid the amount to avoid being harassed again. This was paid in XX/XX/2019 and I have my bank statement to prove it ( attached ). Now, just this week, I got a notice from XXXX XXXX that I had a derogatory addition to my credit report. A new debt collector, Franklin Collection Service, has reported a collection account of {$200.00} against me to the credit bureaus. I PAID this debt eight months ago. Franklin never contacted me, I never received any letters. This is a complete fraud and a lie. And now it has damaged by credit as it is affecting my ability to obtain a car loan at a reasonable interest rate.
09/19/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90044
Web
Approximately during the month of XXXX, I upgraded my internet service with XXXX XXXX XXXX. A month later I received two bills from XXXX XXXX XXXX and when I contacted them, they said I only had to pay one bill. Approximately a month later, I received a letter from XXXX XXXX XXXX stating that if I did n't pay my bill, I would be send to collection. Again, I contacted XXXX XXXX XXXX and they confirmed I did not owe anything. Then again, I received another letter and XXXX XXXX XXXX said I did n't owe anything. Now, I received a letter from a collection company ( Franklin Service ) dated XXXX XXXX2017, and they are asking for me to pay {$80.00}. I immediately contacted XXXX XXXX XXXX and they confirmed I did not owe anything. I also contacted the collection agency to inform them what XXXX XXXX XXXX told me. The collection agency is not wanting to remove the amount I supposedly owe because XXXX XXXX XXXX has to contact them. I have tried talking to XXXX XXXX XXXX and they say they are unable to do and unable to send me a letter stating I do n't owe them Anything.
10/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89117
Web
On XX/XX/XXXX I contacted Franklin Collections requesting them to verify that a collection account for {$670.00} they are reporting to the credit bureau was mine. As of XX/XX/XXXX Franklin Collections has not verified nor replied to my request. On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX, Franklin Collections replied on XX/XX/XXXX stating that I needed to contact XXXX XXXX XXXX/XXXX XXXX directly to resolve the issue. I contacted XXXX XXXX XXXX/XXXX XXXX directly and received a letter on XX/XX/XXXX from them stating that I was not responsible for the debt. I was told by XXXX XXXX XXXX/XXXX XXXX that Franklin had also been notified that the account does not belong to me. On XX/XX/XXXX I filed a dispute with XXXX, I enclosed the letter from XXXX XXXX XXXX and police report. On XX/XX/XXXX I received the dispute results from XXXX stating that the Franklin Collection had verified the account to be accurate and belong to me. Franklin Collections has not verified the collection account and is reporting false information to the credit bureau.
11/25/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 75070
Web
I recently filed a complaint on XXXX XXXX XXXX and a third party company by the name of XXXX XXXX solutions. XXXX XXXX XXXX says that I owe money for a month I did not have service with them. I canceled my service with XXXX XXXX XXXX XX/XX/2019 and returned my equipment due to the service not properly working. A Technician came out twice and was unable to fix the problem. After canceling my service in XX/XX/2019, XXXX XXXX XXXX attempted to go in my account in XX/XX/2019 without my authorization. XXXX XXXX XXXX reported to XXXX XXXX solutions that I owed XXXX. After my compliant XXXX asset solution removed the negative information for my credit report. XXXX XXXX XXXX have sold my information to another third party company by the name of Franklin Collection services , INC. stating I now owe XXXX. This company have been calling and harassing me after being told numerous of times I am not liable for the debt owed. I would like for this company to stop harassing me and threatening to report negative and inaccurate information to the credit bureaus.
01/22/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • XXXXX
Web Servicemember
I missed a call from Franklin Collection Service based in Mississippi. I returned that call to find out why they had attempted to contact me after I had requested validation of the debt owed. I spoke with a collection agent named XXXX and again asked for validation of the debt. I then asked them to cease and desist any further phone calls about the debt until I could verify the account. At this time the agent became aggressive and began to raise her voice. She then started yelling and said that it didn't matter if I payed the debt or not because they already reported it on my credit report as a collection debt. Afterwards she stated that she was going to verify my information, and said that and asked me if my phone number was correct and then said " it doesn't matter I'm going to just take it out. Since you don't want us calling you cause we don't have the answer you want, you don't want us calling you back. '' She then continued getting louder and cutting me off from talking trying to get me off the phone while I tried to ask for a manager.
04/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NH
  • 032XX
Web
In 2019 When XXXX merged with XXXX I called to put both my cell phone and TV on the same bill. They set me up with a SECOND XXXX XXXX account. I paid two separate bill for approximately 3 months until I realized what was happening ( I was being charged two times for the same service ) they refunded me the money. Fast forward to this year. When I disconnect my XXXX account I had a {$0.00} balance. Two months after disconnecting I saw on XXXX XXXX that I had been sent to collection for a past due amount with XXXX. I never received a bill. The collection company ( Franklin Collection ) never sent me a bill. I asked Franklin Collection for a breakdown of the charges. They said I had closed the account and didnt pay my bill XXXX false ). I called XXXX and they informed me that it was from the REFUND they gave me in 2019 ( that was a result of THEIR mistake of over charging me ). This is fraudulent and companys shouldnt be able to use collection agencys so frivolously as it damaging my credit. I do not owe any other company but them.
01/09/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 32765
Web Older American
I ordered XXXX service. XXXX XXXX XXXX setup XXXX accounts. ( why I do n't know ) I was only serviced by XXXX account and paid on time every. They took me to collections for the implementation fee of the XXXX account. I disputed the charge and they removed it. after a few month they re-established it in collections with another collection service. I called them and all I get is that the account is in dispute. When I closed my account with XXXX XXXX XXXX they even gave me a refund for my overpayment. It was in collections with XXXX XXXX XXXX on XX/XX/2016. AS per XXXX " The creditor agreed to remove charges and/fees, This account is settled '' Now the collections shows up again with XXXX from Franklin Collections services Inc. my valid account number with XXXX XXXX XXXX was paid in full. As shown on my invoices the activation for my account was charged and paid by me on invoices XXXX and XXXX copies attached. When I closed my account with XXXX XXXX XXXX I was refunded the credit that was due me ( copy on final invoice attached ).
01/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DE
  • 19802
Web
On XX/XX/XXXX I received a credit bureau alert through XXXX XXXX XXXX XXXX and XXXX XXXX, that a new debt was placed on my credit file. The name of this company is Franklin Collection Service of XXXX, XXXX XXXX on the behalf of XXXX XXXX XXXX. On XX/XX/XXXX I promptly called XXXX and began a dispute and requested information about the collector. I called on the same day and spoke to a Franklin Customer Service Rep and asked about the debt. I was informed that the name on the debt is not mine but of some else. Knowing this, I requested the false information to be removed, which I declined, I do not know if this company is legitimate, besides Franklin issued the complaint, the burden of proof lie with them! I asked about information of the debt like address, year this account was opened, phone numbers, but they would not release the information. Franklin know about this inaccuracy, and will not do anything and this is illegal! According to the XXXX, this company have a transparency issue, and have racked up 150 complaints in XXXX.
08/14/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93003
Web
On XX/XX/XXXX, i submitted a request for a re-finance on my mortgage. On XX/XX/XXXX, the mortgage broker informed me i had a collection against my credit for a medical bill. I researched the collection through XXXX and found a {$180.00} collection at Franklin Services in XXXX, MS . I contacted Franklin Serv and they informed me that is was for an unpaid hosptial bill at XXXX XXXX in XXXX, MS from XX/XX/XXXX. I have never been to that hospital nor have i been to XXXX in over 15 years. I currently reside in California. They told me the bill was for a XXXX XXXX, i have no relationship nor do i know who this person is. I left numerous messages at XXXX XXXX and have not been able to get a return call. Franklin serv was rude to me and didnt offer a letter to show the mortgage company that this was done in error. As of today, the collection is still showing and interest rates have gone up to where it has financially impacted my life. I have now missed out on saving {$300.00} a month for the next 30 years. A savings of {$100000.00}.
01/08/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73703
Web Older American, Servicemember
0n or XXXX I received a notice via email from XXXX XXXX Credit Card Services that an account need my attention, on checking my account I found that Franklin Collections SVCS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported a collection on my credit report. I have contacted Franklin Collection XXXX four times about this account and explained that this is not my account. They showed no interest in getting this worked out. I contacted XXXX XXXX XX/XX/2020 at XXXX hrs talked with XXXX ID # XXXX in reference to this account She could not find any information on this account with my social security number,XXXX Name, XXXX XXXX XXXX or my address XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX OK XXXX Than stated she could not do any thing with out the account number or Social Security number on the account. The Account belongs to My son XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX under hid social number and address. I do not know his personal information. The last four numbers on the XXXX XXXX account from Franklin Collections is XXXX
03/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48390
Web
This is a bill from XXXX XXXX XXXX XXXX and internet service, I moved to the address listed in XXXX XXXX My price for cable, internet and XXXX channel was {$12000.00} monthly. The sales rep lied and said my service would be available in three days after I moved in. It took two weeks before my service was available. Then when the person who installed the cable did not have the order to put in my channels. When I called to let them know what was going on. XXXX XXXX XXXX tried to charge me a higher amount for the XXXX channel. When I complained XXXX XXXX XXXX said we will give you XXXX free for a month for their mistake, This was a bait and switch. XXXX XXXX XXXX quoted one price and tried to charge another. At the end of XX/XX/2019 my price changed, I called customer service and they changed it to the correct amount again, This went on for three months, I paid my final bill canceled my service. This bill was paid in full and if this on any credit report I want it removed. My last bill was paid over a year ago.
09/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29349
Web
Franklin Collection Services Inc. is attempting to collect money on a debt that is not owed. They are inaccurate in their complaint, because no such debt exist. They are asking money for an XXXX XXXX XXXX payment in the amount of {$410.00} for XX/XX/2021. All final payments to XXXX XXXX XXXX were paid by me in XX/XX/2021 and XX/XX/2021 per my bank statements ( see attached ). I paid {$290.00} in XX/XX/2021, and the final payment owed of {$260.00} in XX/XX/2021 ( see attached bank statements ). So, there are no payments due to Franklin Collection Services , Inc. on behalf of XXXX XXXX XXXX. The bank statements clearly shows the final payments being paid to XXXX XXXX XXXX. Please immediately delete this collection account from all three credit bureaus. Section 623 ( e ). The Fair Credit Reporting Act prohibits information furnishers from providing information to a CRA that they know or have a reasonable cause to believe is inaccurate. Please delete the inaccurate information from all three of my credit bureaus.
04/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CT
  • 062XX
Web
XXXX XXXX has reported an account on my report 2 times through two different collection services. Both are reporting same account, same amounts on my credit, each month they re report these accounts as new. this one account was acquired in XXXX, they have the account opened through XXXX XXXX XXXX on XX/XX/XXXX and again through Franklin collection sv saying it was opened on XX/XX/XXXX. This account from XXXX XXXX was settled prior to this continue reporting in XXXX, I purchased my new home in XX/XX/XXXX, and prior to credit approval I paid XXXX XXXX and had the XXXX removed. After I moved into my home the collection servicing company put this back onto my report on XX/XX/XXXX. and then it went to a new collection servicing company and was reported again. I can not find the receipt of my payment in XXXX, moving things got lost in the process. I do not owe either of these, but if I need to keep it on my report, then one of the reporting agencies needs to be removed. And they need to stop re reporting it as new.
06/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92870
Web
I had received a notice letter of XX/XX/XXXX from Franklin Collection Service , Inc., Case Number XXXX concerning XXXX XXXX XXXX XXXX XXXX account stating a balance of {$82.00}. On XX/XX/XXXX, I had replied and disputed the alleged debt collection letter, because it doesnt exist, I had provided a copy of my proof of evidence that I dont owe any balance and ask had Franklin Collection Service , Inc., to stop this collection tactics. On XX/XX/XXXX, I had received another demand letter from Franklin Collection Service , Inc., this time their client XXXX XXXX XXXX using a different address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. Lastly, on XX/XX/XXXX, I had filed a complaint to CFPB on the same matter, same creditor ( XXXX XXXX XXXX ), but different collection agency called XXXX XXXX XXXX, XXXX, they had finally STOP collection tactics after I had filed my CFPB Complaint Number XXXX. I have all my proof and evidence that I dont OWE any balance on my XXXX XXXX XXXX XXXX XXXX XXXX and XXXX account.
03/07/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 94102
Web
FRANKLIN SERVICE INC. This is for a previous phone bill. I asked them for several months to send me an invoice and was denied a copy of what I owe. They wanted me to make the payment over the phone with no way for me to verify who and what I was paying for. I also told them I was waiting for Pandemic Rent and Utility Relief and when I told them unless you send me an invoice or something in writing to stop contacting me. They claimed I was sent an email and that I opened the email so therefore I was aware and had documentation of what they were trying to collect. I had told them that I went through all my emails and I could not locate the email they claimed I had and opened. Again, they refused to resend me documentation and instead kept harassing me to pay. I then contacted XXXX XXXX XXXX and asked if I could pay the bill and for them to send me a copy of the Bill while waiting for them to send it to me Franklin Servicre Inc. notified the Credit Bureaus and had placed a Derogortory Remark against me.
09/23/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22041
Web
The so called Franklin collection svcs never got any consent neither a court order from a judge to put a derigatory acct on my credit report with XXXX and XXXX. They had no consent to the account they opened themselves and I disputed the illegal account with XXXX and they go ahead an report it at a different day. This is a fraudlant business who never got a consent neither a judge ordered that account to open on my credit that I worked 11 years on making it great with 100 % payment on time. I do n't owe anything and I did n't ignored or missed any pmt. I demand from this company to stop retaliation and harassing me and go find something legal to do. This company is disease and needed to be stopped. I urge our officials who read this to make an end to the so called Franklin Collection SV SOMETIMES THEY USE SERVICES AND THAT WAS JUST SHOWING THEIR GREED TO RUIN EDUCATED PEOPLE 's financial record no I Wo n't. I will demand compensation for damages and sue this company if it does n't stop harassing me.
05/02/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35805
Web
On XX/XX/2022 I recieved a notice from Franklin service Inc, about an alleged debt of XXXX and recieved another alleged debt amount of XXXX on XXXX XXXX. This company after calling and speaking to both a customer representative and manager, failed to contact/provide me with a written letter of rights within the specified time ( 5days ) according to the Fair debt collection practices act. This company is wrongfully claiming to have sent said letter, however when I asked them to provide proof showing this, such as a mail receipt they stated they could not and did not need to do so. I would like this company to show proof of a mail receipt showing that this letter was in fact mailed to my address for the amounts. If this company can not provide a mail receipt showing that a written letters of rights was intact mailed to my address, then they have infact violated my rights of the Fair debt collection practices act, and because of this, this debt needs to be discarded because of its lack of validity.
01/18/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 43207
Web
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature from Franklin Collection Services Account Number. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I am also requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
03/20/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30126
Web
I spoke with collection agency about a debt from a hospital bill. I express to the collection company that I had insurance and should n't have had a bill. I ask them to notify the creditor that I was disputing the debt, as I had n't received any communication from the hospital. I ask the collection agency for the creditor information, but I never received it the information. I also wrote a letter to the collection agency twice, with no response. In retaliation about the debt and possibly letters, they placed the XXXX collections on my credit report. The collection company is Franklin Collection Services , Inc. They are based in XXXX, MS . Please look into the practices of this company, as I 've seen various people online speaking about their collection practices and the numerous violations of the FCRA. My credit has been damaged tremendously by this act. I pay my bills on time each month. I had a XXXX credit score before they placed these accounts on my credit report. Regards, XXXX
06/02/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19119
Web
The Collection Firm of Franklin Collection Services Inc contacted me in writing that I owed XXXX for services that I did not receive. I therefore, send a letter asking for proof of service from XXXX and to show in detail what the service was for, address of service, type of service and dates of said service that they alleged that I had with a break down of monies that totaled the amount of debt. As a result of that communication ; Franklin Collection Service, sent me a letter with my name, masked SS #, my current address. The letter went on to provide very vague info, stating XXXX was the original debt with a address for XXXX and dollar amount of {$36.00} I contacted Franklin Collection Services and the agent stated that I owed the monies for internet services and that the debt was legitimate. I proceeded that they needed to provide me with proof and detailed break down of what the {$36.00} was for The agent at Franklin Collections call me a son of a XXXX and hung up the phone on me
07/11/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60643
Web
Today at XXXX XXXX XXXX from Franklin Collections called me for {$360.00} for XXXX XXXX XXXX XXXX. She stated its {$150.00} for equipment and services back in XXXX. She also stated that its going to hit my credit if I didnt pay. The equipment was returned to XXXX in XXXX and they have acknowledged this in XXXX. I told her this and the fact that I currently have XXXX. She began to lie and refused to give me the address to her company. She the retracted her statement and stated she said it was pending to hit my credit. XXXX refused to give me the account number associated with her company and the address. She went as far as to place me on hold to take another call and refused several times to give me the information. This matter was resolved almost five years ago. I currently have their services. XXXX then began to make up lies of me having to pay a fee to get services. I had to ask several times for the address, account number, and for this fraudulent collection to be sent in writing.
10/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 750XX
Web
Franklin XXXX XXXX account number XXXX is try to collect a debt from me I sent them a certified letters on XXXX they will receive on Friday XXXX for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX.Franklin XXXX XXXX is the creditor reporting inaccurate information on my credit report Franklin XXXX should have sign documentation between me and them. So if They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I no account with Franklin XXXX XXXX and if I have a account with XXXX am not saying I do I never gave them permission to sell the Debt to Franklin XXXX XXXXFranklin XXXX XXXX have 15 day to provide me with documentation I ask for if not I will file a lawsuit against them for damages and defamation of character I never got a notice or anything in the mail.
07/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NV
  • 895XX
Web Older American, Servicemember
Next month or so I receive a letter from a collection agency saying I owed XXXX to XXXX XXXX XXXX, so I called Agency said I do n't owe I called XXXX & T I was told I 0wed nothing they got in touch with agency and when I called agency back they told me it had all been straightened out and apologized. Then a few days ago I get a letter from The Collection Firm of Franklin Collection Services , Inc Saying I owe XXXX XXXX XXXX XXXX case # XXXX XXXX called XXXX XXXX XXXX I owe nothing today spoke with billing specialist .He told me I had to speak to a collections specialist I got cut-off so I called agency talked this time to a supervisor he said his name was XXXX he said I had to dispute this on there website and also with XXXX XXXX XXXX XXXX Finally I called XXXX XXXX XXXX spoke to a collection specialist she suggested I call credit bureau and have this matter investigated and filed a report. Could you help me please, I never had phones I do n't even know phone number Thank you
05/14/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90717
Web
I am extremely frustrated and upset that both XXXX and Franklin Collections decided to report this on my credit report, after being informed numerous times that this debt is invalid and highly disputed. XXXX is attempting to charge me for equipment that was " not '' returned - however this is completely false, I returned this equipment via the self addressed boxes they provided, and any claim to the contrary is highly disputed. I have informed XXXX about this in writing on several occasions. Franklin Collections is also reporting this on my credit report, for which I highly dispute since they should have sent me a dunning notice allowing me the right to dispute this or resolve it before placing it on my credit report. This is highly predatory and unfair, as now I'm in the middle of obtaining mortgage financing and this account is stopping me from obtaining the best possible rate, something that will cost me XXXX XXXX XXXX of dollars if this error continues on my report.
06/15/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90220
Web
I want to file a complaint against, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX, and THE COLLECTION FIRMOF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. The claim I owe {$700.00}. On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to XXXX XXXX regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my credit karma account I submitted the validation letters to XXXX XXXX XXXX XXXX. They removed it from my credit report but now I received a letter from THE COLLECTION FIRM OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around. They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter. Thank you in advance XXXX XXXX
04/29/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32712
Web
OnXX/XX/2020 I received several alerts about a new account being added to my credit. I immediately go to check my credit, and I see a new collections account from a company called Franklin Collection Sv, XXXX XXXX XXXX XXXX XXXX, MS XXXX, in the amount of {$1000.00}. There's no original debtor listed from what I can see. These are the issues I have. 1. I am a resident of the state of Florida. Florida law requires any debt collector to be licensed in the state in order to legally collect on a debt. I checked with the Florida Department of Financial Services and the Secretary of state, Franklin Collection Sv is not registered in the state of Florida. So their right to collect any debt here is non-existent. 2. I have never heard of, nor received any documentation from Franklin Collection Sv informing of a debt, nor allowing me the opportunity to dispute said debt. They have recklessly attached a collections to my credit, without even having the decency of contacting me.
08/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 601XX
Web
On XXXX XXXX, 2015, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Franklin Collections Services that totally alarmed me. I was never notified that is account when it was added to my credit report in XXXX 2015. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. Secondly, I have not had services with XXXX XXXX XXXX, I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. Franklin Collection Services derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does not belong me.
01/21/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35802
Web
I mailed out debt validation letters to Franklin Collection Service in XX/XX/XXXX through USPS Certified Mail. The collection agency received my request on XXXX XXXX 2017. In my letter, I requested for both accounts to be validated. I did not receive a response for account number XXXX. The collection company is allowed 30 days to respond, but I still havent received a response. IT has been well over 30 days. However, Franklin Collection Service did respond to the other account that they have on my credit file. That account number is XXXX. Although they responded, they have directly violated my rights. I was sent a bill with a list of procedures that was performed. This was a direct violation of my HIPPAA rights. They had no right to have access to my personal medical information. I will provide the paperwork that was sent to me from XXXX XXXX XXXX. I have already contacted them to try to resolve this issue. I want something to be done because this is not right.
10/12/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 507XX
Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. FRANKLIN COLLECTION SV XXXX AMOUNT : {$580.00} This is what I'm requesting for debt validation : I'm requesting the chain of custody for this account and pursuant to the Freedom of Information Act, I'm requesting all of the accounting for this account, public and private in accordance to XXXX. You have 14 days to supply this information or delete this trade line from my consumer report before and pursue litigation against you for violations of the FDCPA.
12/10/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 38017
Web
I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in XXXX XXXX chapter XXXX does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed with the firms on these alleged debts numerous of times and each time the company has came back with alleged verifications. In the correspondence letters they sent to me I've found numerous FDCPA violations including ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ).
10/13/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30188
Web
In reviewing my credit report when applying for a mortgage, I noticed a debt from XXXX XXXX XXXX. Mailing address : XXXX XXXX, XXXX, Mississippi XXXX. On XX/XX/XXXX, I sent a debt validation letter to Franklin Collection Service requesting verification of the amount of the debt, the name of the creditor to whom the debt is owed, verification of the debt and proof that they are licensed to collect debts in the State of Georgia. The letter was sent via Certified Mail and I received confirmation that the correspondence was retrieved from the post office on XX/XX/XXXX. As of today 's date, I have received no response from this debt collector. This debt is listed as a {$31.00} charge which I would have certainly paid had I received notice and verification of the debt prior to it being reported to XXXX. A copy of the XX/XX/XXXX correspondence and confirmation of delivery is attached. As of today 's date, XX/XX/XXXX, I have yet to receive verification of the debt.
11/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94587
Web
I have called Franklin services for the collection account on my credit butno one was answering and i have also emailed them. I have filed a dispute through XXXX numberous times for a collection under my account with Franklin services and XXXX with the original creditor. I don't owe anything from XXXX because i have cancelled my account for their service even before i had to start, so i have never received any sort of service from them. When i cancelled i made sure they didnt charge me anything and they had told me yes its cancelled and i dont owe them..so it has come to my surprise that i have {$100.00} for a collection on my account. I will not ruin my credit just for a {$100.00}. I am happy to pay that amount if i had receive any service or account from XXXX pertaining to this amount but again I did not. So please help me delete this collection account on my XXXX because i was able to dispute this on XXXX. Only XXXX have been giving me a hard time.
01/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 303XX
Web
The validity of this account is in dispute and this is not an acceptance or ratification of the claimed debt. I have received no verification of this debt. The federal debt collection practices act gives me the right to demand full verification of this debt. If I do not receive verification of this debt within XXXX days I ask that this inaccurate debt be removed from all my credit bureaus immediately. To my knowledge there is no outstanding balance at all with the alleged parties and XXXX and if there is I am requesting proof from the original credit with my signature of this debt in the original amount of {$290.00} in the aforementioned date of XX/XX/2022 and if any of this information is proven to be inaccurate I am requesting immediate removal of the inaccurate data from my credit reports. Lastly, if this is valid debt I would like the original contract of the debt, the creditors contact info, and proof that this agency now owns the alleged debt.
03/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 403XX
Web
I checked my credit report to see that Franklin Collection Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS has been adding negative comments of collection to the 3 credit reporting agencies every other day. They know this drives down a credit score. I have never been contacted by this company -- do not owe them any monies and when I attempted to call they stated unless I could provide them with a payment they would not talk to me and hung up the phone. When I search the web, this apparently is their way of doing business as there are hundreds of complaints about this company. I refuse to give this company money just because they have a tactic to drive down my credit scores. I want them to stop this behavior immediately. They should be able to add negative comments just because they can. They are taking advantage of lots of individuals -- I know this is not okay behavior by any company. I am looking to this agency to stop their behavior.
06/22/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35242
Web
On XXXX XXXX , 2017 , I sent a validation letter t o Franklin Collection Service, Incorporated in XXXX , Mississippi in regards to a negative inquiry that was placed on my credit report. The purpose of the validation letter was to validate the debt and provide proof to me that I am indeed the rightful owner of the debtI have no idea of who the company is and what services that could have been provided to me from this company. Withi n ten days, I received a print out of an itemized bill from Franklin lncorporated Service , Inc in t he amount {$35.00}. As of today, they have not provided me with documentation or any evidence of a relationship between the company or myself. Also, they did not provide me with any instrument bearing my signature. Next, I sent another validation letter informing them of their rights to validate the debt or remove it from my credit profile. Nevertheless, they have not responded and it is way past 45 days.
12/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90062
Web
According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX. 15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and XXXX Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA under 12 CFR Part 1022 Regulation V. FRANKLIN COLLECTION SERVICES Who did you interview and can you provide the names of the neighbors, friends, or associates of the consumer reported on.
08/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IA
  • 507XX
Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
07/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 77386
Web Older American, Servicemember
I had internet service with XXXX XXXX XXXX that was discontinued and I returned their equipment. XXXX XXXX XXXX claimed that they did not receive it and was billed. I called XXXX XXXX XXXX and explained that I had returned the equipment and gave them the postal service 's routing #, when they received it, and by whom. The person with whom I spoke with assured us that the matter was resolved. However, apparently someone jumped the XXXX and turned over the case to the Franklin Collecting Agency. The agency called demanding payment. I explained that the matter had been resolved and that they should contact XXXX XXXX XXXX for verification. The lady that I spoke with told me that she did n't call to argue with me and demanded payment. I have been receiving harassing phone calls since then. I finally blocked their number. However, I still receive calls with a different #. To date, I have XXXX different blocked # 's bearing their name.
05/16/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • XXXXX
Web
I have spoken to several representatives with Franklin today. I have disputed this bill from the beginning. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXX for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. She then told me she's not sure what the charges are. This was originally placed with XXXX XXXX XXXX and was returned to XXXX XXXX XXXX and now Franklin is threatening to ruin my credit. We also fall under the Serviceman relief act for military spouses.
04/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77070
Web
I had XXXX XXXX XXXX XXXX XXXXXXXX contract that ended. I returned the equipment to XXXX XXXX XXXX using XXXX. XX/XX/XXXX - Each piece of equipment was scanned by XXXX and packed up for shipment. A few months went by and XXXX XXXX XXXX sent the account to collections. Around XXXX I called them and asked why they had it in collections when I had sent the equipment back months ago. They told me due to covid they were short staffed and returns were taking longer to process. They escalated the case and later stated that the equipment was found and they would correct the collections report. Months later it was sold to a collections agency. Im drained from fighting with these corporations it seems there is no way to win other than paying for equipment THAT I ALREADY RETURNED. Please help me! I can not afford to pay {$530.00} nor should I have to since I fulfilled the contract agreement. COVID shouldnt be an excuse to take my money
01/28/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 303XX
Web Servicemember
Franklin collection claims I have a debt with them when I have not done any type of with them or any one associated with them. balance. I asked them in writing to provide me with proof of this debt but they did not respond or provide any evidence. By not replying to me in a timely manner to my initial letter on XX/XX/18, they have not only violated federal and state laws, but you have also failedto provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Therefor they should immediately request that this erroneous debt be deleted by all credit reporting agencies or I will be forced to this wrong doing to the attorney general, the XXXX XXXX XXXX, and finally I will file a small claims case where they will have to report court to defend themselves at my local court. Be aware I have been keeping a close record or all correspondence should they keep breaking the law.
09/24/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • XXXXX
Web
Franklin Collection contacted us by phone about a debt we supposedly owe to XXXX XXXX XXXX in XXXX XXXX. The amount, they said, was {$1200.00}. However, we paid the bill to XXXX XXXX XXXX in FULL XX/XX/2019. Upon receiving the call from Franklin Collection, we contacted XXXX XXXX XXXX to tell them we paid and we have poof of payment. However, XXXX XXXX XXXX confirmed we paid and that there is no account for debt. We informed me that we have been contacted by Franklin, they said not only they have never referred our account to collection, but that they do not work with Franklin Collection. They work with XXXX XXXX XXXX XXXX XXXX When we informed Franklin, they threatened to ruin our credit history. Please verify this information with XXXX XXXX XXXX that we only used once in our life time. XXXX XXXX XXXX XXXX. We will also be happy to provide proof of payment. We demand that Franklin Collection cease and desist. Thank you.
06/03/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75035
Web
I terminated service with XXXX XXXX XXXX after many years as a customer. They tried to tell me I had a contract, which I did not. They billed me an early termination fee. I contacted XXXX XXXX XXXX several times after they billed me almost 2 years ago. I asked for proof of a contract and they were unable to produce it. That is because there was no contract. They have now sent the debt to three separate collection agencies over the almost two years. The latest debt collector is Franklin Collection Service Inc. Each debt collection company that calls I tell them that the amount is disputed and not owed to XXXX XXXX XXXX XXXX I ask them to provide me of proof of a contract to support the debt, which they fail to provide me. I tell them not to contact me again but they keep contacting me and they are ruining my good credit by placing a debt collection action on my credit report. I need assistance getting this corrected ASAP.
11/24/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 39213
Web
On XX/XX/2019, I sent letters to Franklin Collection asking for validation for some alleged debts that were reporting in my credit file. I had no knowledge of their company nor had received any services from their company. As of this complaint, I have yet to receive validation of any of the alleged debt, yet Franklin Collection has continued to report derogatory comments on my credit file all the while ignoring my request for validation. On XX/XX/2019 I sent my second request for validation certified since my first request was ignored. Franklin Collection has constantly posted derogatory comments on my credit file since my validation letters was sent which is a clear violation of the Act which states that collection agencies must stop all forms of debt collection and reporting if a consumer request validation. I have enclosed a copy of the original letter and also the screenshots to prove that they have violated the Act.
06/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 43614
Web
on XX/XX/22 I noticed my credit score dropped XXXX points due to Franklin services adding an account for {$150.00} from XXXX XXXX XXXX. I called and spoke to XXXX XXXX XXXX and they confirmed I do not owe them for any services. I called the credit agency that is reporting it-Franklin services and explained to a supervisor XXXX that this is a mistake. It is reporting on my credit report incorrectly as an unpaid balance when I do not have any unpaid balances with XXXX XXXX XXXX. It is showing as a chargoff/derogatory account. They never attempted to even contact me prior to this to try to collect. If they would have attempted to contact me by phone or mail, I would have had the opportunity to explain to them the situation before they put it on my credit report. This violates my rights as a consumer and clearly shows shady tactics by this company to unfairly collect a debt without giving me the opportunity to dispute it.
01/27/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • MS
  • 388XX
Web
I called to make payment arrangements on bills that I owe. I spoke with XXXX who states he was a supervisor. I explained to him my financial situation and offered what I could do. He got very ugly and asked why I didnt go get a loan to pay off my medical bills or get a credit card. He asked personal questions that did not relate to the medical bills we were discussing and even brought up that I needed to file my taxes by XXXX XXXX so that I could pay him. I explained some of the things I was having to pay and he told me that paying for a vehicle was not more important than paying his company. I asked to speak with someone else and he would not allow me to. I feel like he was going far beyond what the call was about into my personal business and handled the situation completely wrong. Even after attempting to make payments he said that they were still going to try to garnish my wages and he would get 25 % of my income.
02/07/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • XXXXX
Web Servicemember
I paid XXXX XXXX XXXX the full amount of the debt that they are reporting on my credit in late XXXX or early XXXX of 2018. I spoke with them on the phone and gave them full payment. They said at that time that they had already began the process of sending it to a debt collector but they were going to remove me from their file. A few weeks later, I started getting calls from a debt collector and I explained to them that I had already paid this. I disputed the debt, spoke with XXXX XXXX XXXX, and it was removed from my credit report. The debt has since been re added by a different debt collector known as Franklin Collection Services. I never received any notice from this debt collector that they were putting anything on my credit. I spoke with the debt collector this morning and let them know that this has already been paid and that I never received any written notice of this. The agent refused to remove the debt.
11/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94590
Web Older American
First time I found this company was trying to collect on this debt it was on my credit report. Never received a phone call or bill because this is not my account. This is a fraudulent account. Set up without my knowledge or permission. Advised XXXX the customer service rep of this company Franklin collections. She was rude would not listen she only wanted to talk would not me explain my side of the story. Told me I need to file a police report and press charge. I dont have any info about the account. All I was given was the address that they have added to my credit report. I have been at my address over 30 years! XXXX XXXX XXXX XXXX XXXX Ca. She talked to me like a child! Telling me to listen! Very rude and condescending. When I asked her to send me the paperwork to fill out she disconnected the call. Very unprofessional and rude. Will not be calling back, obviously will not be able to resolve the matter.
03/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93105
Web
Collection account on credit report. Original creditor XXXX XXXX XXXX. Outstanding collection amount of {$1000.00}. Collection company : Franklin Collection Service IncXXXX XXXX. I have called and disputed with Franklin. They said they would send me complaint form. I have received nothing. The outstanding XXXX XXXX XXXX debt is for a bill in XXXX, Florida. I live in XXXX XXXX, California. I have never been to XXXX, Fl. I do not know anyone who lives in XXXX, Fl. I have 0 friends or family in XXXX. I have always lived in XXXX XXXX, California. This happened to me with a different collections account in Florida exactly 1 year ago to the month. I disputed and it was erased. This time I am not being afforded the same courtesy. I have sent a complaint to the FTC. I have sent letters to the 3 credit bureaus. I am going to hire a lawyer. I am going to file a police report. I will not stop until this is resolved.
01/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78550
Web
I disputed an amount that was showing on my credit report under Franklin Services inc. I have informed them that the person they are looking for a different person with a similar name as me. I have disputed it with the collections agencies such as XXXX, and the others. Many people at Franklin Services have stated that their records show that I disputed the amount and that it was going to be deleted. I have asked for a confirmation and updated on this, as I have continued to receive mail and other information after the dispute I submitted. They have informed me that they do not send out letters confirming this as per my request and have hung up on me multiple times. I have asked to speak to a higher person and they change the names and before giving me phone numbers, hang up on me. They also give me information at the beginning confirming everything Im saying and then go back and say they never said that.
04/26/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75254
Web
i have disputed this account multiple times with Franklin collection services, both online and by mail. The same XXXX XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially. I only have access to limited information, because this is NOT my account. reporting as : account # XXXX amount : {$210.00} original creditor : XXXXXXXX XXXX XXXX I do not know the address associated with this account, because it's not my account. it more than likely belongs to my ex husband, XXXX XXXX, XXXX XX/XX/XXXX. SS # XXXX. address : XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX. XXXX XXXX. He moves and gets evicted constantly due to drug related issues, and I have court documents to show that I am not responsible for anything he did with that house or any of the utilities after we separated on XX/XX/XXXX.
01/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60611
Web
This account is an unauthorized account. This is a fraudulent account, I never authorized the opening of this account nor did I open it or give anyone authorization to use my name. I am in the middle of a major commercial transaction and I am unable to move forward as a result of Franklin Collection Services placing this collection account on my credit report. I spoke to them and they informed me that they can not remove it from my credit report until XXXX XXXX XXXX performs its investigation. I find this hard to believe that my credit is being held hostage as they investigate an account that I had nothing to do with and Ive informed them of this. To put more to it, I NEVER received any written notification of this debt because it was fraud and they used the fraudulent address for mailing. I am politely asking that this account be removed from my credit reports until they are able to figure this out.
09/15/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 315XX
Web
XXXX XXXX XXXX is charged me for a television service that they falsely advertised and did not hold up their end of the bargain. I was signed up for all three services with them telephone, television, and internet. With this bundle package they were suppose to issue me a gift card for the first month of service and signing up with them for {$150.00}. I co reacted them on numerous occasions about the gift card to cover my first month of services and they never issued or acknowledged my complaints or concerns. I canceled the contract and they charged me and attached it to my credit report. I didnt have the service all of 2 months. I also paid the amount they were requesting to have the mark removed from my credit report and its still there almost 5 years later. My contract was canceled because I felt they lied to me and mislead me to order their services and didnt follow through with their obligations.
10/29/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44105
Web
For some reason this company just randomly showed up on my credit reports in XX/XX/2019 claiming I owe a debt without sending me proper validation for the debt they claim I owed. I have mailed this company a letter to validate the debt on XX/XX/2019 and have not received any follow up correspondence from them assuming this collection was bogus. They continue to damage my credit reports and credit score by reporting this erroneous debt without sending me any information or validation I requested in writing from them. I have never received any letters or phones call from this company prior to reporting this debt to the credit bureaus. I also disputed this debt twice with the credit bureaus by certified mail on XX/XX/2019 and again on XX/XX/2019 with both disputes coming back as verified which is false. How was this debt verified with the bureaus but not with the consumer ( me ) like requested?!
10/09/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 79764
Web
I sent a debt validation letter to Franklin Collection Service , Inc. about a alleged debt on my credit report and received a vague response today XX/XX/XXXX. I asked for validation of debt from them for an alleged debt they have reported to my credit report. I requested under federal and state law for them to supply to me proper proof that they have the legal right to collect the alleged debt in the form of evidence bearing my signature be provided as required by law. They have not met their obligation to provide proof of alleged debt. Also it is reporting to my report as an open date of XX/XX/XXXX and DLA as XX/XX/XXXX. They are refusing to remove the alleged debt from credit report even though they failed to verify the alleged debt. according to the letter that they sent me where their license numbers for each state they work in they are not licensed in the State of texas to collect debts.
08/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • XXXXX
Web Servicemember
FCSI continues to attempt to collect a final bill from me on behalf of XXXX XXXX XXXX, despite the fact that -- as the attached documentation shows -- the amount XXXX XXXX XXXX owes me ( {$180.00} ) exceeds the amount of my final bill ( {$150.00}, according to XXXX XXXX XXXX ; {$160.00}, according to FCSI ), as a result of developments stemming from the month-long DSL outage that caused me to eventually terminate my XXXX XXXX XXXX Services this past XXXX. Note that in addition to the damage sustained when my XXXX Service went down on XX/XX/XXXX by the modem I had purchased for {$91.00} from XXXX on XX/XX/XXXX, I was forced to pay Clear {$54.00} on XX/XX/XXXX and another {$43.00} on XX/XX/XXXX to replace my DSL Service while it was down, whereas XXXX XXXX XXXX refused to compensate me for either the loss of my modem or the expenses I incurred as a result of the month-long DSL outage.
05/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37076
Web Servicemember
Franklins Collections SVCS Inc, Reported a debt of {$2400.00} to all of the major credit reporting agencies with the citing original creditor name XXXX XXXX XXXX. The original creditor was paid in full, XXXX XXXX XXXX has confirmed via phone to me that the account balance is true {$0.00}. I phoned Franklins Collections SVCS I told both reps that the original creditor was paid and full, they asked me for proof which I don't have, Besides calling directly to XXXX XXXX XXXX and they will tell me that account # XXXX is at XXXX balance. I asked them for a debt validation from both Franklins Collections SVCS Inc I spoke to and they hung on me both times for asking. The right to request verification of the debt is provided by the federal Fair Debt Collection Practices Act ( FDCPA ) and doesn't state that I need to show proof of the debt being paid to receive a debt validation.
08/02/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • XXXXX
Web Servicemember
Upon checking my credit file I saw Franklin Collections on my account multiple times for the amounts of XXXX $ # XXXX, XXXX $ # XXXX, XXXX $ # XXXX, XXXX {$100000.00}. First off I am a veteran and the VA takes care of any and all of my medical bills. Second I never received no type of communication phone call nor dunning letter about these alleged bills. Third I contacted XXXX in regards to what i saw on my credit file they have no knowledge of these bills nor it being sent to collections because they stated they area non-profit hospital so they do not send bills via third party for payment it gets charged off if something is not paid but they have no record the these bills in their system. This is not my debt and I want this removed from all reporting agencies and credit files until they can provide LEGAL documentation stating I did business with them in which i Never have.
10/31/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MS
  • 39501
Web
A month ago after checking my credit report I noticed a debt collector named XXXX XXXX listed on my credit report. I called them and they said it was an account from XXXX XXXX XXXX. I told them Ive never had XXXX XXXX XXXX. Yet they said I still owe this balance. I then asked my mom and sister if they opened anything up in my name because they did it before without my permission. My sister finally owned up and said she did, and that she would pay it off. So on XXXX she said she called XXXX XXXX and paid the money that was owed on case number XXXX said she asked them could they delete it off my credit. They said no and that they could only report it as paid in full with a {$0.00} balance. And that they have no way how to get it removed. I dont understand how they can report it to the bureau but they cant get it removed. Especially when the FCRA gives them that right to do so.
11/10/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35749
Web Servicemember
On XX/XX/XXXX, my sister needed to go to the XXXX and I was the only one available to drive her to the XXXX XXXX. My sister was the patient that this medical bill is referring to and hospital billing had mistakenly used my contact information that I had given in order to visit her. I am in no way her legal guardian or have been in the past so this debt is not mine to owe. I have tried to fix this issue over the last 2 years, both with the hospital, XXXX, and now another debt collection agency ( Franklin Collection Services ). I have spoken to their customer service representatives and have disputed the debt as not being mine but they continually keep harassing me and claiming that I am the owner of this debt. I have tried to call Franklin Collection Services since XX/XX/XXXX to ask for updates about this bill and each time I have called they have hung up on me.
08/17/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • HI
  • 96815
Web Servicemember
This debt appeared on my credit report. The company sent the debt to collections without my prior knowledge that I owed the debt. I reached out to the company in an attempt to resolve the issue. The company employees sent me through multiple channels over a period of a few months, none of which solved my issues. I attempted numerous times to dispute the inaccuracies through the appropriate credit bureau. Each time the dispute process was over, the company would add the debt to my credit report again, thus starting the origination date over. This prolongs the process of getting the debt removed. Furthermore, Ive reached out to the company to provide me the details of the account in order to prove the debt belongs to me, to which the company offers no response or they respond by telling me that Im not a current customer, they cant locate an account in my name.
11/09/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35758
Web
Franklin Collection Service Inc is in violation of HIPAA Privacy Violation. This collection agency did NOT provide me a HIPPA RELEASE that release my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA RIGHTS. I have requested for VALIDATION, NOT Verification from FRANKLIN COLLECTION SERVICE on XX/XX/18, XX/XX/18, XX/XX/18. On XX/XX/18 FRANKLIN COLLECTION SERVICE ON reply to my dispute letter, where they have violated my HIPAA rights sending me my medical information without providing me a HIPAA release form giving them access to my medical information. I have disputed with XXXX and XXXX five different times and they have yet take this extremely seriously As I have received a response from the collection agency that clearly violates my rights according to HIPPA. I have documented my case without error.
12/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85140
Web
I had an incident with XXXX that was identity theft. I resolved it with XXXX and they did find that it was identity theft and I do not owe the debt and provided me with a letter stating that the collection agency was to remove the debt from my credit report on XX/XX/2020. After notifying Franklin Collection Service of this and providing them a copy of the letter they sent me a letter back stating that they validated the debt which is obviously not the case on XX/XX/2020. Since then I have sent an additional letter to the credit bureaus on XX/XX/XXXX but they came back and said that the furnisher is reporting this information correct even though I again sent a copy of the letter requesting that the inaccurate information be deleted. I am now sending another letter to Franklin Collection today via certified mail prior to commencing with a lawsuit.
02/07/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32571
Web Older American, Servicemember
XXXX XXXX turned me over to Franklin Collection Services for an account opened in XXXX XXXX MO. I have never lived in MO. I contacted XXXX XXXX XXXX in XX/XX/XXXX and requested proof that the debt is mine. They refused to provide any proof and said I must work thru XXXX XXXX. I contacted XXXX XXXX and filled out the web forms and proof of my residency for the past 15 years. I also asked for proof of the debt, such as address of the service, date opened, etc. I have received nothing. I again called Franklin Collection services today, XX/XX/XXXX and they refuse to provide any proof this is my debt. But they have reported me to the credit bureaus causing a huge drop in my credit score. Again, if this is my debt I can afford to pay it. But I have no proof of the debt and have no avenues remaining to get this resolved. The total debt is {$430.00}.
10/19/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OK
  • 74137
Web
I had an XXXX wireless service that I cancelled due to poor services in my area, I switched wireless provider to XXXX back in XXXX 2015. XXXX was going to pay for all cancellation fees to XXXX XXXX XXXX since I was porting out my number to the new carrier. Then, I started receiving collection attempts from XXXX XXXX XXXX in the amount of {$810.00} for cancellation fees, which XXXX notified that they paid for. My account was forwarded to this collection agency Franklin Collection Service , INC . They have n't stopped sending me threatening mail communication letter, and they 're not even licensed to collect in the state of Oklahoma. They need to remove this account from my credit reports since these charges were paid by XXXX, and they are still trying to collect on this account, and also ignoring my letters to cease and desist any communication.
05/03/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32225
Web Servicemember
First I never received any notice if this debt to verify or dispute it I never seen it till I seen it on my credit report I requested the credit bureaus investigate this debt on XX/XX/2021 and only XXXX verified the debt I then contacted the agency on XX/XX/XXXX I was told I could settle and close the account for {$80.00} I paid the {$80.00} on XX/XX/2021 when I contacted the company today XX/XX/2021 I was told that the {$80.00} would not settle the account I needed to pay {$130.00} more to settle the account. When first contacting them via Chat the rep never even told me this was an attempt to collect a debt over all I feel lied to and would like this account to be settled. Also I feel like I was being recorded without permission online from my computer because when I spoke out loud about what was going on the online chat screen disappeared.
04/20/2020 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • GA
  • 30135
Web
XX/XX/XXXX2019, this company contacted a third party before I ever received any communication from them. Received a letter from them dated XX/XX/XXXX19. I responded to them on XX/XX/XXXX19 through written communication. Explained my dispute on the collection and requested that I be exonerated of all charges. I never received any other communication from them. I noticed on my credit report that there was a report for the same account from another collection agency. Until I disputed it through XXXX XXXX in XXXX, I hadn't had any communication with this company. After they received the dispute is when I received my first letter from them. So, the first company sold my account to the next collection company. I responded to them also, and also went back on the first company regarding them selling my account. No response from either company.
05/10/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • 89103
Web
For over a month, I have been getting calls from a XXXX XXXX XXXX XXXX XXXX number at work. The first time I picked up the phone but there was no answer. Then they called two more times that first week. Being annoyed, I took down the number and did a search on it. Various call checking sites had the number listed as spam ( i.e. XXXX, XXXX, XXXX, etc. ). They also gave the company name : Franklin Collection Services which I did not have before since there was no answer on the line nor did they ever leave a message. For a while, I ignored the calls as the call checking sites advised but the calls kept coming. It was then that I started reporting the numbers to the FTC. After reporting four with the XXXX prefix, I got another one starting with XXXX just last week ( X/X/17 ). I have also filed a complaint with my Attorney General ( X/X/17 ).
10/12/2016 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • AR
  • 72118
Web
Debt firm purchased medical debt for pennies on the dollar, got a judgment, let the account sit dormant until about a year and a half near end of the 10 year statute for a judgment, are trying to garnish my wages. I called the firm and asked if I could settle it for a lump sum and they refused, stating they are n't allowed to settle medical debt. I asked why she said, " We do n't write the law so I dont know '' I called the Collection firm who placed it with the Attorney and they also refused to settle, stating they wanted every penny from me. All of this and I find out the hospital wrote the debt off -- {$2000.00} so I 'm assuming the firm paid maybe {$500.00}, and are now forcing me to pay {$5000.00} to them through garnishment without consideration of a lump sump payment of a lesser amount. Where is the CFPB when you need them???
12/07/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 79118
Web Servicemember
I have a collection on my credit report with XXXX XXXX XXXX. It is concerning equipment from XXXX XXXX XXXX. I had gotten out of the military and was moving back to XXXX from XXXX XXXX. The agent did n't say anything about returning the equipment prior to my military packout. I arrived in XXXX during mid-XX/XX/XXXX and did n't find a residence and receive my housing until XX/XX/XXXX. I immediately dropped off the equipment at XXXX. I started receiving phone calls from XXXX XXXX stating that there was still a debt. I reached out to XXXX to try to obtain some sort of record that I had dropped off the equipment. They stated that there is n't a system that they could use to find the equipment or proved that I dropped it off. They stated that they receive equipment from multiple XXXX customers and place it in one box for shipment.
04/29/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 704XX
Web
Franklin Services have attempted to collect a debt and I have never done business with this company in which they have directly obtained my personal identifying information in order to collect a debt not owed. On XXXX XXXX I received a collection notice from FRANKLIN COLLECTIONS in regards to doing business with XXXX XXXX XXXX in the amount of {$60.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;
05/27/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 956XX
Web
I vacated an apartment and cancelled XXXX internet service in XX/XX/XXXX. In XX/XX/XXXX, a collection notice was posted on my credit report, resulting in a major drop in my XXXX credit score. I was never contacted by XXXX by phone or mail. Nor did I receive any phone or mailed notice from the collection agency ( franklinservice.com ). I only found out about this claim by checking my credit report. The collection agency has not provided the original bills... they only have ones showing an overdue amount with additional interest. I keep requesting the original bills, as I have no idea what the charges are for, or if they're valid. When I occupied the apartment, I paid my bills automatically via credit card, so I was always paid in full and on time. My internet searches have shown that this is a common practice with XXXX.
01/08/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10456
Web
This collection agency Franklin Services is trying to make me pay a XXXX related services i didnt get from a Hospital nowhere near my city. On there bill, i received 3 services including XXXX XXXX and XXXX in XX/XX/2020... Ive never got those services so it doesnt make any sense at all ... Because i have proof that the only XXXX XXXX i got that year was in XX/XX/2020 in a different location and paid by insurance. I dont have records of any XXXX or XXXX XXXX not even from my own hospital and primary care Dr. and why would i go somewhere else? Not to mention that the bill is signed by someone else. not even my signature. And the adress they had was from That State. Id tried to have it removed from the credit thru XXXX with all my evidence and they denied me. I would like to report this matter and have this resolve asap.
12/17/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48227
Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
11/20/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 774XX
Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FRANKLIN COLLECTIONS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
02/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77502
Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FRANKLIN COLLECTION. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
10/19/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 93561
Web Older American, Servicemember
On XX/XX/2021 Franklin Collection Agency of XXXX, XXXX reported to XXXX and XXXX credit bureaus that there was a balance of {$630.00} owed to them. Original creditor purported to be XXXX XXXX XXXX. I called their number ( XXXX ) XXXX appearing on website and was unable to speak with a representative due to their automated system. I left my information on their system following all prompts and instructions. This was done two weeks ago. The message said they would have a representative reach out to me but they have not contacted me in any way. I do not have an account with XXXX and have not had any services from XXXX for approximately 5 years. I have not been contacted by XXXX and have not been contacted by Franklin Collection Agency although they continue to report that I have a past due balance to the credit bureaus.
07/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35801
Web
I settled a debt from an XXXX XXXX account in the amount of {$160.00} for {$84.00} with Franklin Service , INC out of XXXX, XXXX XXXX XX/XX/2023. They sent be a confirmation of settlement for the stated amount on XX/XX/XXXX to confirm the resolution of this debt at the agreed amount. I have been harassed by phone and email from a different debt collection company, XXXX XXXX XXXX in XXXX XXXX, regarding this same debt from XXXX. I have sent them proof that this debt has been resolved but they have refused to accept my confirmation of settlement from Franklin Service , INC. I should not have two debt collection companies trying to collect the same debt from me, especially when the debt has been resolved properly with proof from my bank and Franklin Service , Inc. Please see the attached documents for this complaint.
09/23/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30016
Web
I have submitted prior documents supporting the fact that I DO NOT OWE FRANKLIN COLLECTION SERVICES any amount of money and this account was previously deleted from my credit files, yet, Franklin Collection Services has once again put this fraudulent account on my XXXX credit file. FRANKLIN COLLECTION SERVICES acct # XXXX claims that owe them XXXX, I have never done business with them or XXXX XXXX who they claim to be collection on behalf of ... ..I am demanding a contract with my wet ink signature to support that I owe them anything ... ... FRANKLIN COLLECTION SERVICES located at XXXX XXXX XXXX XXXX , XXXX, Ms. XXXX must provide all the required information on the said account to me within 15 business days or this account must be deleted immediately and furnish the updated information to XXXX effective immediately.
07/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38115
Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
04/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30605
Web
In XXXX XX/XX/2014, I changed my landline service from XXXX XXXX XXXX to another provider and paid the landline bill in full. Since that time, I have continued to be plagued by collection notices from XXXX XXXX XXXX XXXX and Franklin Collections, saying I owe for that account. Each time, XXXX XXXX XXXX says there is a XXXX balance. Sometimes they bounce me around to wireless accounts ( where my cell services still resides ) but that is current so irrelevant. XXXX XXXX XXXX refuses to provide me with anything in writing showing the account is satisfied. The debt collectors are relentless, sending mail notices, calling, hounding. My identity has been compromised by having this information sent to these sleezebags. My credit is at risk unless I pay $ XXXX+ per contact that I do not owe. Please help.
04/28/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • FL
  • 33404
Web
Franklin collection services has added {$160.00} in collection debt to my credit report from XXXX XXXX XXXX XX/XX/2020. I never received any notice prior to today when my credit score was noted down XXXX points. I have previously disputed this charge with XXXX XXXX The debt is removed and put back on serveral times and these people are trying to ruin my credit. I cancelled my account with XXXX XXXX in XXXX of XXXX I paid what I owed. The XXXX XXXX customer service said they couldn't stop my service until my billing cycle ends. I reported I must turn service off now. 3 weeks later my service was discontinued and then I got a surprised bill for {$160.00}. XXXX XXXX refused to stop service when I wanted, then they charged an additional monthly payment. I cancelled it because of COVID-19 and I was out of work.
04/08/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Indicated committed crime not paying
  • ID
  • 838XX
Web
Franklin Collection Services has been reporting on my credit reports for several years now. I have received some letters from them while back with some references to garnishing my wages and seize my bank account knowing that I get social security. I tole them before they cant take my bank account. Also they are collecting from XX/XX/XXXX or XX/XX/XXXX for {$450.00} for a accunt for XXXX which another company has been collecting as the same time. XXXX owes me money ( and XXXX of other consumers ) for fraudulenty adding false charges on their statements. There is a class action suit. I disputed tis Franklin Collection Services with credit bureaus and it keeps coming back as reported correctly. That s wrong. XXXX told me to contact Franklin but they are not responding. Also I am an official ID Theft Victim.
09/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 350XX
Web
I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.
10/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 754XX
Web Servicemember
In XX/XX/ I was notified by Franklin Collections that I had a {$280.00} unpaid balance with XXXX XXXX XXXX. I informed them that I had filed a police report because I do live, nor had I ever lived, at the address of service. I also told XXXX XXXX XXXX in XX/XX/ when they began harassing me that I did not own this account contrary to my name being on it. XX/XX/XXXX XX/XX/XXXX could not verify me to discuss specifics on the account because I couldnt provide the address or phone number associated with the account. I have made several calls to XXXX XXXX XXXX and Franklin Collections, filled out fraud reports for both and sent in the police report. It is my opinion that XXXX XXXX XXXX is trying to collect twice on this debt. Once from the perpetrator of my identity theft and once from me, the victim.
06/14/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 367XX
Web
On XXXX I called Franklin, I had to email them to get permission for my negotioator to speak with me on the line in writing. After she did this I was emailed back and so was she telling us to call the servicer. On XX/XX/22 I called the servicer for Franklin XXXX XXXX XXXX XXXX XXXX ) to see if I could settle the {$830.00} medical debt it shows owed on my credit report. I spoke to XXXX XXXX at XXXX and she told me I owed {$1800.00}. I asked her if she had been mistaken as this is over {$1000.00} more than is shown on my credit report. She say it was because of interest and other costs. They are posting {$830.00} on my credit yet demanding {$1800.00}. This can not be legal. I have received nothing in the mail about this as they didnt even have my correct address on file prior to this phone call.
08/21/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33155
Web Older American, Servicemember
0n X/2017 I received a debt collect notice from Flanklin Collection Services in XXXX, MS XXXX case # XXXX for {$300.00}. This collection notice is for services of Data to me by XXXX XXXX XXXX account # XXXX. This collection is for overcharges of used Data for a Tablet that I got when I installed XXXX XXXX services at my home. I did not request the Tablet. I was disputing these charges. They kept charging me when I was requesting for them to take the Tablet. When I saw the charges I called XXXX XXXX XXXX, they did not want to take the Tablet back. They said that it passed the 15 days of grace period that I have keep it and pay the charges. I called them within a month. I disputing the case XXXX XXXX XXXX XXXX when they cancelled Tablet services, the XXXX XXXX service and charged me.
08/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CT
  • 06320
Web Servicemember
On XX/XX/2019 Franklin Collection services reported a derogatory remark on my credit report for a collection of XXXX dollars. The original creditor was XXXX XXXX. I later learned it was my ex wife who open the account under my name with out my consent. I called Franklin collections to resolve this and get this remark off my credit report because I’m currently try to purchase a house. The told me “ pay the full price and we will remove it or pay partial and won’t take it off the credit report. I was met with rudeness and unprofessionalism. I have told them I had no knowledge of this account to which their response was rude and unsympathetic. I need this removed off my credit report and I’m even to pay a partial of the collection considering the account was open with out my consent.
12/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Didn't receive services that were advertised
  • FL
  • 331XX
Web
The XXXX office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX open a account for me. I saw with my XXXX XXXX app 1 hour after that they check my credit score to do some operation. I told to them that I don't want any credit and want to pay all in full. So I was going back to the office 3 hours after and cancel all the process.But they don't care and I saw 1 month latr that the account still opened without use the service by myself. I call the customer service told me that they is no problem and they will cancel everything. Few month later I receive a call to pay a invoice, I explained again and now they put a Derogatory marks on my credit score for {$100.00}. Again I never have the service and never use XXXX service, so please help me that their people respect the laws. Thanks
01/21/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76116
Web
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/22/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30236
Web
XXXX sold an alleged debt on XX/XX/2021 to XXXX in my name. Once I saw this on my consumer report I disputed it and asked for validation and they removed it on XX/XX/2021 because it doesn't belong to me. However, XXXX knowing this alleged debt is unverified, then sold it to Franklin Collections on XX/XX/2021 ( when it appeared on my consumer report ). This is a violation of my consumer rights to notification of alleged debts before being placed on consumer reports to allow for validation of the alleged debt, lack of privacy of my personal information, lack of consent to give out my personal information to 3rd parties ( identity theft ) and lack of reporting accurate information to credit bureaus. XXXX, XXXX and XXXX are all reposting this illegal, unverified and alleged debt.
08/24/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10016
Web
I began receiving calls from Franklyn Collection Services regarding a {$64.00} - that's {$64.00} overdue bill from XXXX. I have never had an account with XXXX nor do we use XXXX services. I have kept an account for 28 years with XXXX. The calls were numerous daily, and I was threatened if I did not pay they would attach a collection to my credit accounts. I repeatedly asked for a copy of the original contract for this account and claim. I spoke with XXXX and they ad no info. I wrote to the collection agency requesting same, They have placed a collection on my account - for {$64.00}. One credit reporting agency removed it. XXXX investigated and responded that the claim was legit even though I can't get a hold of a contract, This bogus claim is in violation of multiple laws.
12/19/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • IL
  • 60473
Web
on XX/XX/2019 at appox:XXXX XXXX XXXX I called Franlin collection firm after receiving letter by mail spoke to a rep by the name of Mr. XXXX XXXX at ext XXXX whom I provided the Fcsi case number rep did not Identify any other information to be sure he is speaking to the right party and never resighted the mini miranda before discussing the debt.. I advised rep I was in abritation with creditor at and t regarding contract and services that were discussed and that i was disputing the debt. The rep was talking with me and over me with a very mean tone which offended me after i told him i was disputing he sill insist payment and explained his attempts to still collect the debt after being told i prefer no contact until matter is resolved through arbritraction with the XXXX.
08/09/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 945XX
Web
I have spoken to Franklin Collection SV at XXXX located at XXXX XXXX XXXX XXXX, XXXX, MS . They filed a collection 's notice on my credit report for {$150.00} for a debt I do not owe. I disputed the amount directly with XXXX XXXX and made it clear to Franklin that I have disputed the amount and that I did not owe the amount. This is the second time they have hurt my credit standing due to a false credit report being filed. I am in the process of buying a property so this false report has harmful impact on my ability to buy a property. XXXX XXXX is in the wrong and Franklin Collections has systematically hurt my personal credit. I am also very concern given my identify has been stolen once that this agency has access to my social security number without my knowledge.
12/24/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94605
Web
I signed up for XXXX XXXX XXXX TV services in XXXX of 2018. I was promised a promotional rate at that time for Premium Channels and had documentation to prove it. On the day of installation I noticed the channels were not active and called XXXX customer service. After hours on the phone I was told they would not honor the rate promised and I cancelled the service that night. At the time I was promised I would owe {$0.00}. Over a year later now a Collections Account from Franklin Collections SV for this amount on XXXX XXXX behalf has showed up on my credit bureau report impacting me. I have proof that the service was never used and that the account was closed the same day it was installed. How do I get this rectified as it is impacting my credit at this time?
06/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35611
Web
Franklin Collection has been reporting 4 bad collection debts to my XXXX credit report. I contacted Franklin via certfied mail XX/XX/18 asking for " validation '' of these items. I requested proof that I am indeed the party they are asking to pay the debts, the date of alleged medical service, the name of the patient and that there is some contractual obligation which is binding me to pay the debts. Franklin responded with letters dated XX/XX/18 with a " RE : REQUEST FOR FINAL BILL '' letter. I have received a response that clearly violates my rights according to HIPAA. Franklin Collection did NOT provide me with HIPPA Release form to authorize the use or disclosure of my protected health information. Account numbers are as listed:1XXXX,XXXX, XXXX, XXXX.
10/20/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77087
Web
I am contacting you to inform you that I am disputing the claim by XXXX XXXX XXXX that I owe a debt to them. My contract with XXXX XXXX XXXX had expired and I had a month-to-month arrangement with them. In XXXX of 2017 I informed them that I would no longer require their services as I was switching to XXXX. After much difficulty from them, I returned their equipment and my XXXX service commenced on XX/XX/2017. The XXXX XXXX XXXX bill was due on XX/XX/XXXX and by that date I was no longer using the XXXX XXXX XXXX service. The XX/XX/XXXX payment would have kept me in XXXX XXXX XXXX service up until the XXXX payment. I informed an XXXX XXXX XXXX representative that I was terminating my service with them and asked for instructions on returning the equipment.
10/11/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48174
Web
Had a history of problems with XXXX XXXX XXXX emailed corporate office several times. This is the final straw, XXXX XXXX XXXX stating I owe them a past due balance when my account was closed at a XXXX balance. I was told over the phone on a recorded line that since I was moving to a area they didnt not cover I did not have to pay a early cancellation fee. My triple plan service was closed and I returned all the equipment back. They didnt even cancel my cable service but I returned my equipment. I explained I was moving and need all services taken care of. Now I see on my credit report that I supposed to owe them. I dont owe XXXX XXXX XXXX anything. I want this to be removed off my credit report and for them including XXXX XXXX XXXX to leave me alone.
02/01/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07104
Web
I came to know from my monthly credit report that collection agency Franklin Col reported to Credit Bureau against me for collection of XXXX XXXX XXXX medical debt of {$400.00} which I never received any invoice from XXXX XXXX XXXX and XXXX XXXX. This action of XXXX XXXX hit my credit score very bad. I have already paid this amount through my medical insurance account/ health saving account ( HSA ) which was not updated. I tried to contact XXXX XXXX XXXX but there is no information available about this company on internet. I asked to Franklin collection to provide me the information about it and they refused to give any information about XXXX XXXX XXXX which i think it is unfair and illegal to damage someone credit score without sending any invoice.
12/27/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32809
Web
The XXXX XXXX XXXX telephone company has a subsidiary that offers television service called XXXX. They allege that I opened an account with them between XXXX and XX/XX/2020. They sent a report of a debt of {$1000.00} dollars to the 3 credit bureaus that affected my credit history in a negative way. On XX/XX/2020, I contacted the XXXX XXXX XXXX XXXX company to clarify the situation and let them open a fraudulent account in my name. They sent me an email. where they requested sentitive information that I did not want to provide me in which address the service was provided. Im a XXXX XXXX ( XXXX XXXX XXXX ), and I drive all over United States. The address I use to receive my correspondence is my brother 's address. Most of the time I live in my truck.
02/13/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • HI
  • 96813
Web Servicemember
On XX/XX/2015 XXXX XXXX XXXX collected a debt that occurred with XXXX XXXX XXXX. I contacted XXXX XXXX XXXX via phone to ask for the negative collection statement to be removed as it has been 3 years since the event occurred, but they informed me that I would have to contact XXXX XXXX XXXX to remove it. Once I contacted XXXX XXXX XXXX, they informed me that they could not locate the account information or show any record of me being in their system or being in debt with them at any point in history. I would sincerely appreciate any assistance or guidance on what I should do to get this removed from my credit report. As shown on credit report : Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX
01/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 812XX
Web
Starting in XXXX of 2020, I contacted XXXX about falsely reporting an amount to a collection agency. They reversed the amount XXXX Early Termination fee ). They told me that I would need to pay the balance unrelated to an ETF, which I did. They informed me they would pull back from the collection agency. I have disputed the account through all 3 credit bureaus and Franklin Collection Agency still shows up on XXXX. Per XXXX I have a XXXX balance and they don't understand why Franklin Collection Agency shows a balance. I have called FCA and they tell me they can't remove the balance, because it is still showing on their end. I have exhausted all efforts. This was false reporting to begin with and they are still showing on my credit report.
02/04/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30122
Web Servicemember
XXXX reported I had not paid an equipment return fee and the last payment. XXXX tried to collect it. I called them twice and on XX/XX/XXXX I sent them the receipt from the return and bank statement with last payment. Now they have sold it to Franklin Collection Services and they sent me a letter saying are trying to collect the same debt for the exact same amount. I just disputed the last bill also with them under the same circumstances. Apparently XXXX broke the return receipt and the last bill into seperate accounts and now the collection agencies think they are both delinquent. I have bank statements for the exact amount and the original receipts from the equipment return and I have sent these and faxed these and they are ignoring me.
08/05/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77590
Web
On XXXX XXXX Franklin Collection Services received a debt verification letter from me to verify the debt they are reporting and they could not provide it. I have never used services with XXXX XXXX XXXX and all they sent me is a bill from them saying I owe them {$79.00} According to the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. And I hereby demand to see a copy of the validated Proof ... They have til XX/XX/2020 to verify the debt or it should be removed from all credit reporting agencies
06/21/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37055
Web Servicemember
I called to settle the account for my husband on XX/XX/XXXX,due to a balance discovered from our relator agency. Not once did we receive a letter of validation regarding this account. I called to settle the account to proceed with our mortgage loan. Today is XX/XX/XXXX and my ach information has not yet been processed for payment. I spoke to XXXX XXXX and she requested I give her another form of payment. I requested the information on to why my payment had not processed. I explained I do not want to be charged twice for a transaction that has not cleared I need to know the details. I left two messages for XXXX XXXX and still have not received a call. It does not take 10 full business days for an account to be charged with an ACH debit.
06/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30253
Web
XXXX placed an item in collections stating they did not receive their equipment. I received a call from Franklin Collections stating the account was placed and I advised of the dispute at that time and never heard from them. The item appeared on my credit report months later. I emailed with copies of the tracking showing item received at att and should never hit any bureau. I received a letter on their letterhead stating this item would be deleted. I disputed the item with XXXX and XXXX and received an update from XXXX stating the agency has verified the item to me. I uploaded the letter and disputed correctly. At this time Franklin has violated several FCRA and I am requesting they resolve this on all bureaus and be fined accordingly.
03/14/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called before 8am or after 9pm
  • FL
  • 33065
Web
Good Morning, I'm receiving several phone calls from Franklin collection svc, daily even after XXXX on a Sunday. I contact them several time last year .I also file a complaint again them asking for Verification of this debt that .I have no idea about they remove it from my credit report they place it back without sending me a notice for me to know what this debt is about they call me at work contact me on my cell phone several time a day I .asked them to send me in writing physical proof of verification under FCRA 15 u.s.c 1681 all unverified account must be prompt deleted therefore if they are not able to provided me with a copy of verification they should not be reporting and flagging my account several time per week Thank you
07/01/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 28215
Web
Last year I entered into an agreement with XXXX for internet services and was offered a guaranteed 30 day trial period. If I was not satisfied with the services and or mis-representation of services. It was up to me to cancel, per the XXXX agreement. Due to mis-representation of the services ( High Speed Data ), I cancelled before the allotted time of the 30 day trial period. The amount was for {$130.00}, in which XXXX claims I still owe. ( Which XXXX has added on cancellation fees ). Previously they had a different collection agency threatening to damage my credit, now XXXX has enlisted a new collection agency ( Franklin Collection Services ). Who has threatened to ruin my credit history, in which is in good standing.
09/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33967
Web Servicemember
I received a notification today that my credit score dropped by XXXX points from one credit bureau because of a new account appearing. This was entered from Franklin Collection XXXX, located at XXXX XXXX XXXX XXXX, XXXX. MS. XXXX, with a phone number of XXXX. The information Franklin Collections placed on my credit report is falsely incorrect, stating I had an account opened with XXXX in XXXX XXXX which on my credit reported, they reported XX/XX/2022. With no further documentation being provided, proof of an ccount, I've haven't ever done business with Franklin Collections & do not owe them a debt, nor did I have XXXX, during this time frame, nor reside at this address. Yet, they're claiming {$120.00} to be paid to them.
06/01/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28273
Web
These were medical bills that were sent to the debt collectors after the provider mailed the incorrect insurance company. I was covered 100 % under my insurance and should have never been billed. I reached out to the collection agency with no help at all, also reached out to the medical facility that stated they would not be able to help because they are not the establishment who billed me ( XXXX XXXX ) XXXX XXXX XXXX -- - {$100.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$240.00}
12/15/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • 357XX
Web Servicemember
started receiving debt collection notices from Name : FRANKLIN COLLECTION SV Phone : ( XXXX ) XXXX Business Type : XXXX Street Address:XXXX XXXX XXXX XXXX City : XXXX State : XXXX ZipXXXX Balance Amount : {$61.00} started multiple credit reporting - 8 entries declaring account opened on XX/XX/2020. again reported as opened on XX/XX/2020 and again reported as opened on XX/XX/2020. multiple entries incurred on my credit report for a {$61.00} medical bill that should have been paid by insurance ( and is being looked into at Hospital billing ) as to why this was sent to collection. complaint- multiple entries on credit report. being reported almost daily to appear to have excessive debt collections on my credit report..
01/31/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • 354XX
Web
XXXX XXXX XXXX has billed me {$360.00} for medical services. XXXX entered the wrong insurance code during billing. I have made several attempts to correct this issue, for a deductible is never charged for XXXX XXXX XXXX Insurance . The collection Company, Franklin Service INCXXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX has intentionally reported a negative on my credit reports and sent a letter after I disputed the collection stating it would be sent to an attorney. This was the first letter I received from Franklin. I am requesting the Franklin Collection stop harassing, remove the negatives from all three credit reports, and provide me with a copy of the correct billing from XXXX, without my private health information.
11/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27103
Web
I ordered high speed internet from XXXX XXXX XXXX in XX/XX/2020. The tech came out and installed the connection and then informed me that high speed internet was not available in my building. I told him that I did not want slow internet and to cancel my order. He said he couldn't but assured me that I could call and cancel for free. I called and the person on the phone apologized and told me how to send the equipment back which I did. I never activated the service. A couple of months later I received a bill for the install fee. Now it is in collections. It's a little over {$100.00}. I could pay it but I feel as though I was duped. I have called XXXX XXXX XXXX and spoken with the collection agency with no resolve.
01/02/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37042
Web Servicemember
I applied as a renter for a home and noticed on my credit report that I had one account in collections. My report states I had a debt of {$300.00} opened onXX/XX/XXXXto Franklin Col and the account was closed on XX/XX/XXXX. Remarks state paid collection, original creditor : 10 XXXX XXXX During that time, my husband and I were XXXX in XXXX XXXX with the United States XXXX I did not receive any information from XXXX XXXX XXXX or Franklin Col about having an overdue account. I moved to XXXX XX/XX/XXXX and had paid all of my accounts prior to our move. When we moved back to the United States XX/XX/XXXX, I reopened a new XXXX XXXX XXXX account and had no issues for flags stating I had an overdue account with them.
05/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95661
Web Servicemember
I paid my XXXX XXXX XXXX bill when I cancelled my coverage back in 2015. I even called when they sent a bill that was incorrect. The lady on the phone looked into it and said I was correct and did not owe the money and she would submit the information. I 've called XXXX XXXX XXXX again now that it has been sent to collections and they say they ca n't help me on the closed account. XXXX XXXX XXXX continues to give this collection to someone new every few months and I dispute it every time, but no one will help me resolve it. This is on my credit report hurting my credit and it should n't be. I 'm being harassed about this bill with no one bothering to help me get it resolved. I paid this in full a long time ago.
04/13/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77433
Web
Someone used my personal information to obtain services with XXXX XXXX XXXX in my name without my knowledge or consent. Franklin Collection Services has placed this fraudulent account on my credit report in the amount of {$640.00}. The last activity date was XX/XX/2020 I contacted Franklin Collection Service and informed them that this account was fraudulent and they stated that they would have to contact XXXX XXXX XXXX regarding the account and wait for a response before they could give me a response about the account. I sent Franklin Collection Service a copy of the FTC report and ID Theft Affidavit that I filed as well as a request for them to validate the debt. I have not heard anything else from them.
12/18/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 744XX
Web
On XX/XX/XXXX.This utlity company and decided to end our business relationship due to breach of contract.they were charging me for services not rendered. So I payed my final bill and sent in my equipment. Never heard from then again until a collection agency contacted me saying I owed a debt from this utlity company on XX/XX/XXXX. I disputed with all 3 credit bureaus and had them removed from all 3 bureaus. On XX/XX/XXXX I seen my credit report show a collection from the same original utlity company but a different collection agency. I disputed again. XXXX removed it. But not XXXX or XXXX. On XX/XX/XXXX I contacted them and asked the collection agency remove from my credit report.They said they could not.
12/29/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48220
Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
10/19/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • XXXXX
Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
10/27/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 601XX
Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
09/29/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77009
Web
I have been disputing this account for some time now with FRANKLIN COLLECTIONS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
12/06/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 902XX
Web
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
02/25/2018 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
  • Problem with personal statement of dispute
  • TN
  • 37072
Web
Franklin Collection Services will not validate a debt that is reporting on my credit report. I have no knowledge of this alleged account or service that is reporting on my credit reports. I have reached out to them for total validation of the debt and they will not provide me with any documentation that would require me to pay them for any service. I asked them to provide me with proof that I have any legal obligation to pay them and they have not. The debt is very old and past the statue of limitaitions to collect and it needs to be removed off my credit file. Reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ).
02/01/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91733
Web
I closed out my XXXX XXXX account in XXXX and I forgot to return the equipment back to XXXX in XXXX. I came to the XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) on XX/XX/XXXX to return the modem back to XXXX. The XXXX returned it on XX/XX/XXXX. However, XXXX and collection company stated that they have not received the item that I returned. I called XXXX more than 10 times and they were positive that the item was returned, and XXXX received it. XXXX and collection company have placed a collection in my credit report just in XX/XX/XXXX. This is wrong because I have returned the modem as promised. The XXXX employee at this location can verify that he returned the equipment back to XXXX
03/26/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37115
Web
I've been receiving calls from Franklin Collections company for the last week - they are also showing up on my current credit report as having a negative impact due to my debt. When I tried calling them, I was forwarded to an automated service that told me I had a debt owed to XXXX XXXX XXXX for {$240.00} I thought this was odd since I haven't had internet through XXXX XXXX XXXX since 2019. I contacted XXXX XXXX XXXX via online chat and they told me I was being scammed and that I dont owe them anything. I took screenshots of the exchange with XXXX XXXX XXXX just in case. I would like to get this corrected as soon as possible though, and make sure the debt is no longer on my credit report
03/06/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MS
  • XXXXX
Web Servicemember
I found out through my credit monitoring service that a collection in the amount of {$92.00} has been placed by Franklin Collection Services on my three reports. I am looking to dispute this as I never received a notice of rights under the Fair Credit Reporting Act 1692g. As mentioned in subsection ( A ) ( 1 ), the timeline starts " within thirty days after receipt of the notice ''. Since I never received a notice and it went straight on my report, I am filing this. I filed with XXXX, where I discovered the information. After filing the dispute, within a week the information showed up on XXXX and XXXX, even though no information was sent to me about the verification or my FCRA rights.
05/09/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 77047
Web
Toward the end of XX/XX/2023 I wrote a letter to FRANKLIN SERVICE , INC ( a debt collector moving forward ) indicating that I have experienced hardship relating to my employment and expressed the low balance I have in reserve. I became aware of the debt collectors communication attempts because I pulled my credit report from the big 3 reporting agencies. The debt collector was indirectly communicating with me and has injured my reputation and ability to qualify for a mortgage and other credit extensions for personal family and household purposes. I have rights under the FDCPA and they are being violated. Specifically the section that talks about communication in connection with a debt.
11/21/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 10308
Web Older American
I am a XXXX XXXX XXXX XXXX and was injured at work ( XX/XX/21 ) at the seaport located in XXXX XXXX. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an emergency room visit. The injury was covered by Workman 's Compensation and I never received a bill from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ). Then Franklin Collection Agency ( XXXX XXXX XXXX XXXX, XXXX, XXXX ) sent me letters and called me in order to collect the hospital payment of {$1300.00}. I have explained to them that it was paid through Workman 's Compensation and even verified that with the Hospital 's billing department. They would not accept any of this and have just ruined my credit score with a derogatory statement.
12/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 190XX
Web
I have a collection debt on my credit by franklin collections for an accrued phone account of {$4100.00} that was opened while I was incarcerated in XXXX of this year. Upon discovering this I received a text from the phone service to take a survey to a link that I separated the proxy end of the url before send my screenshots and the link to a friend for safe keeping. This link was immediately identified as abusive and locked to my messaging account not allowing me to even delete it. My credit is being effect by something I simply couldnt have done and it seems I've been directly interacted with coming upon it ; held by an agency with past lawsuits for fdcpa. I hope you can talk
02/24/2016 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • MS
  • 388XX
Web
On XXXX/XXXX/XXXX I was hospitalized. I pass out at work and admitted to XXXX XXXX XXXX XXXX. I was discharged XXXX/XXXX/XXXX. The total amount of bill {$11000.00} after all insurance payments. I was left with {$4900.00}. I was paying {$100.00} every 2 weeks to Franklin Collection Services ; XXXX. XXXX XXXX, XXXX, XXXX . I lost My Job From XXXX XXXX XXXX XXXX XXXX On XXXX/XXXX/XXXX. I was only receiving unemployment and part-time work at XXXX. Excess phones call and threatening legal actions from representatives. XXXX. I have paid {$1000.00} to the account but on XXXX/XXXX/XXXX the representative stated I owed {$4600.00} and I am out of work once again XXXX/XXXX/XXXX lost job.
02/16/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60030
Web
I am writing about a {$50.00} debt that originated from XXXX. I paid XXXX XXXX XXXX on XX/XX/2021, and the payment was posted on XX/XX/2021. Unfortunately, XXXX XXXX XXXX claims that I did not pay the {$50.00} and turned the account back over to XXXX. I even tried giving XXXX the confirmation number and the agent claimed that I had to contact XXXX. XXXX keeps referring me back to the collection agencies. XXXX turned the account over to XXXX XXXX XXXX XXXX and XXXX placed a delinquent mark on my credit score, which severely dropped. I tried reaching out to XXXX XXXX to inform them that I paid the {$50.00} but nothing occurred and the mark is still on my credit report.
05/26/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85364
Web Older American, Servicemember
I signed up for XXXX service in conjunction with an Internet service the Internet service site that I signed up with said no contracts no prepayment penalty I moved from the location I was that in 2017 XXXX continues to send to 3 different credit bureaus collection agencies demand for payment of the {$200.00} I have spoken with XXXX on several occasion 's I have repeatedly told them show me send me a copy semi a recording where I agreed to pay a {$200.00} termineation thing and now this case is with Franklin collection service inc XXXX Mississippi case numbers XXXX I do not believe I owe this debt and they continually send it to another collection agency please help me
04/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 93534
Web
According to my credit report this account was opened on XX/XX/XXXX the company name is Franklin Collection SV took over for XXXX XXXX. The amount on my credit report is XXXX. I haven't had XXXX XXXX since XX/XX/XXXX or XX/XX/XXXX this is NOT my account. I attempted to remove it from my credit report and it's been rejected twice. I called XXXX XXXX last year when I got a bill for this to tell them that I haven't had service with them in years and the representative told me to disregard it because they couldn't find it in their system. I even went to a XXXX branch in my area they also couldn't find it and told me to disregard this and it was an error on their part.
12/01/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TN
  • 38106
Web
I have been a victim of Identity theft since XX/XX/2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
04/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34986
Web Older American, Servicemember
This appears to be a resuraction of Claim # XXXX dated XX/XX/XXXX for XXXX XXXX XXXX It involves {$30.00} claimed by XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX acknowledged debt was not owed and cancelled claim. XXXX XXXX XXXX internet was canc elled XX/XX/XXXX and {$30.00} paid XXXX XXXX XXXX wants full bill paid even though XX/XX/XXXX of {$60.00} total even through services were not used. XXXX XXXX XXXX just farmed claim out to another agency XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MS XXXX Phone XXXX On XX/XX/XXXX I spoke by phone with a XXXX at XXXX at XXXX XXXX I asked for copies of ALL paperwork relating to claim She said she had NONE It is their Case # XXXX
12/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89081
Web Older American
Account Number XXXX FRANKLIN COLLECTION SERVICE INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2021 Original Amount {$630.00} Original Creditor XXXX XXXX XXXX XXXX XXXX I have never had an XXXX XXXX account. This does not belong to me. I have been with XXXX XXXX for my phone since it started. And before that I had been with XXXX XXXX. I credit has been in the XXXX for years. All of a sudden I get this on my report and now my rating in in the XXXX XXXX. I told them this does not belong to me. I also had an incorrect address listed on my XXXX report and asked to be corrected as I had never lived at the address they listed on my credit report.
07/07/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 322XX
Web
I've have disputed this account with Franklin Collections Services last year in 2019 and they didn't have sufficient information to come after me for debt because the debt isn't mine.Once it was proven debt wasn't mine the company ceased collections and removed negative information off my credit report. Now I see XXXX bought this debt from Franklin Collection Services from a portfolio of paper ( debt ). Its my understanding that its illegal and a violation if debt was deleted from my credit report and reinserted from another company? My attorney XXXX XXXX XXXX, XXXX, Florida told me that if any company try to buy that debt and try to collect to let him know.
09/12/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89103
Web
FRANKLIN COLLECTIONS SERV ( 10 XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
12/30/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94621
Web
I am a victim of Identity theft and I have sent countless letters to XXXX and Franklin Collection Svc. Both of the collections agencies are listed on my credit and are currently coming after me for a fraudulent account with XXXX XXXX XXXX. I have NEVER been contacted by XXXX XXXX XXXX but that is who they both claim the debt is owed to according to my credit. XXXX sent me a notice dated XXXX XXXX, 2015 not trying to validate the debt but to make a settlement offer, however, the account was already on my credit and has been on my credit since XXXX 2015. I have never received a notice from Franklin Collection Svc- they just placed the account on my credit.
09/29/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77354
Web Servicemember
In XX/XX/XXXX, I was contacted by FRANKLIN COLLECTION/XXXX XXXX, that I owed {$980.00} for not paying a phone bill and not returning XXXX XXXX XXXX equipment for account. I advised that was not possible, as that account was transferred to my ex-wife, XXXX XXXX XXXX, during our divorce in XX/XX/XXXX. They advised that the account was never closed and was being paid on up until XXXX XXXX. I had discovered through this that my ex-wife was fraudulently using my old XXXX XXXX XXXX account following the divorce, which was not authorized by our divorce or me. My ex-wife is responsible for this debt and possesses the assets that need to go back to XXXX XXXX XXXX.
03/23/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 75227
Web
On XX/XX/2022, I was sent an email from XXXX telling me that my score decreased. When I logged in, I saw a company by the name of FRANKLIN SERVICE , INC. Not only did they illegally and unlawfully report on my consumer report, the representative I called and spoke to on today ( XX/XX/2022 ) was VERY rude. The rude representative told me they purchased this alleged debt from XXXX XXXX XXXX. This is causing me XXXX because of the XXXX. My credit dropped and I can not stop thinking about all of the damages this is causing me and my XXXX kids. They never had my written or oral consent to have my personal information. They are breaking federal and state laws.
04/08/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32810
Web
In XX/XX/XXXX This company listed that i owed them {$550.00} on my credit report. I received no prior letter or information of this debt. After seeing this debt on the account I sent them 2 letters to verify this debt, one in XX/XX/XXXXand 1 inXX/XX/XXXX and have yet to receive a response. I looked them up on sun biz in my local state ( Florida ) and was not able to find any information on them, they are not even licensed to collect debt in the state of Florida, I looked under names, their address listed and dba 's and could find nothing on them. Calls to the number on my credit report go unanswered, i have had no correspondence with this company at all.
02/12/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 752XX
Web
On XX/XX/20 Franklin Collection Service Inc was in receipt of a letter that I had never done business with the company and was disputing alleged debt and requested full validation or immediate removal and cease and desist ( Tracking # XXXX XXXX XXXX XXXX XXXX ) I received an auto generated response from the company, which failed to adhere to the requirements needed to validate debt mandated by the FDCPA and Texas Finance Code. On XX/XX/20, I have sent a second request via mail ( cmrr # XXXX XXXX XXXX XXXX XXXX ) to the company informing them they have to validated that I in fact owe this debt, and have entered into a binding agreement with the company.
12/16/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • XXXXX
Web
I am experiencing difficulties with collections on my report that is n't mines or has been paid through my insurances. In 2014 I began to receive bills from a lab. I informed them my insurance paid and ensured them if I had a co payment then medicaid pick it up. I remember even providing them with both insurance information. I even called my doctor 's office to see why I was receiving calls and bills from the lab company and they too were clueless. I recently received XXXX bills in the mail. {$390.00} for date incurred XXXX/XXXX/2014, {$59.00} for date XXXX/XXXX/2014 and {$530.00} for date incurred XXXX/XXXX/2014 all from the same collection company.
04/30/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94112
Web
I have no knowledge of these 2 charges that Franklin Service Inc is trying to collect on. I have never been to XXXX or XXXX and do not know of XXXX XXXX XXXX XXXX. I have tried to call Franklin Services Inc. several times and they immediately transfer me to be placed on indefinite hold. I call back and try to speak with the receptionist and she will not even attempt to help. Instead, she transfers my call to be placed on hold which never gets answered. In addition, I have also placed a claim dispute with XXXX. They are not clearing this fraudulent collection for some reason. My credit is clean. I have zero debts to anyone. Please help. Thank you!
05/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35405
Web
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
10/31/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78613
Web
There is an account with Franklin Collections that is not mine. I called them yesterday and the woman I spoke to was extremely condesending and I tried to explain to her that I had never had services with the company they said I owed. I told her that I wanted something showing my signature because again I had never had services with XXXX XXXX. She tried to dismiss me and told me to send them something in writing and they would forward it to the company for research. The rude woman I believe just wanted to get off the phone with me and I am worried that the certified letter I am sending will not get forwarded to the company. It is not my debt!!
06/30/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91790
Web
I received an credit alert that I had a collection for a Cable bill for an apartment that I do not live in or know anything about. I called the company and told them that this was identity fraud because I do not live at that residence. They said they would make a report. I then contacted XXXX to dispute it and the dispute came back that I still owed the balance by the collection company : FRANKLIN COLLECTION SERVICES XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
09/16/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 49508
Web Servicemember
A collection for {$70.00} to XXXX XXXX XXXX hit my XXXX account XX/XX/21. Franklin Collections initiated the collection. I emailed them a verification directly from XXXX XXXX XXXX showing the charge -- exactly {$70.00} -- was paid fully and on time.. This has been emailed and ignored by Franklin multiple times since then.. On XX/XX/21, I received a letter from them dated XXXX that they were continuing with their collections effort. Based on the almost 200 negative complaints on the XXXX website, this is a common practice at Franklin Collections. They make a false claim and try to bulldoze it through smaill claims court as a bad debt..
01/17/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • TN
  • 37067
Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
05/10/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33065
Web
Hello Ive never checked my credit report or scores that often because I pay cash for almost everything, I finally decided to check yesterday and I seen that there was an error on my XXXX XXXX and XXXX stating I owed Franklin service {$110.00} from an Atnt account that I had at an address that Im not familiar with or have never stayed at, In another county in Florida and XXXX didnt give me any troubles because those were fraudulent inquiries or debts that I never owed them I would like to have this report so when I contact XXXX and XXXX they can remove there fraudulent, unverified transactions and take that address off my credit profile
07/21/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77084
Web
Franklin Collection Service Inc. Address : XXXX XXXX XXXX XXXX placed for XXXX I recently reviewed a copy of my credit report on XXXXand noticed this one inquiry that was unauthorized Please remove these inquiries from my credit report immediately. Should this company claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Thank you for your prompt assistance with this matter.
02/03/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • XXXXX
Web
XXXX would not allow me to cancel my service because I was on month past due. After i informed them I will not pay until they cancel my service they decided to charge me for 2 additional months. Franklin collections sent me nothing in writing like the 2 other collection companies prior and was removed. I paid {$330.00} of the debt I owed for the month I admit was my responsibility. This is the 3rd debt collection that has not notified me in writing and therefore is in violation of the FRCA. XXXX again shows blatant disregard for consumers rights. If others have experienced this we need to get together and file a class action lawsuit.
10/11/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35405
Web
I informed them that the debt wasnt mine and to provide evidence they didnt and now its showing on my credit report and thats a violation I order it to be deleted off my credit report unless yall have the original documents showing that its really me. All three credit agencies I am excising my rights under the Fcra section 609 to request information regarding the source of the information which is the original contract thats contains my signature and my identification which is date of birth and ssn from the debt collector Franklin collections of the information cant be provided please delete this off my credit reports immediately
06/21/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91977
Web
On XX/XX/2019, I received a letter in the mail ( dated XX/XX/2019 ) from a company called Franklin Collection Service , Inc claiming to have authority to collect a debt on behalf of XXXX for {$860.00}. I do not now, nor have I ever had an account with XXXX. I don't even have cable, but when I did have cable, it was through XXXX XXXX. I still use XXXX for internet service. Either this letter is fraudulent, or someone stole my identity to open an account. I have had no such correspondence with any other company and my credit report says no accounts have been open in my name for XXXX year so I suspect that this letter is fraudulent.
01/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 294XX
Web
I pulled my credit report and I notice a derogatory collection account on my report from a company named Franklin Collection Services. This company did not have my consent to access my private information. This is an act of Impermissible Purpose to pull my credit report and to have negative un-validated information place on my file. After identifying the company 's contact information I sent them a validation letter accompanied with a cease and desist letter. To this date No valid contract with my signature agreeing to contract with this company has been sent to my address. I do not wish to do any business with this company.
07/31/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TN
  • 37128
Web
Ireceived mail from FRANKLIN COLLECTION SERVICES, INC saying I owed a alleged debt. FRANKLIN COLLECTION SERVICES, INC is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. FRANKLIN COLLECTION SERVICES, INC is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indications debt collection business. XXXX XXXX XXXX VIOLATED Title 15 USC 1692c ( b ) prohibits communication with any one except consumer XXXX XXXX XXXX VIOLATED Title 15 USC 1681a ( 4 ) right to privacy Evidence of Violations is included with this complaint ( Exhibt A )
09/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 71360
Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
10/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92804
Web
I logged into my XXXX account this morning XX/XX/2018 and discovered that a company called " FRANKLIN COLLECTION SV '' was repeatedly flagging my account for the balance of {$58.00}, once on XX/XX/2018 and again on XX/XX/2018. I have never heard of this company, nor ever received any calls from their phone number XXXX. Under " Original Creditor '' they had put " XXXX XXXX, '' which I am assuming is XXXX XXXX XXXX. I have already disputed another fraudulent credit company for a false bill " from XXXX XXXX XXXX '' and have proof that they are charging the wrong person/falsely charging me because they have my information.
05/09/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 357XX
Web
I have asked Franklin Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
06/16/2021 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
  • FL
  • 32811
Web
On XX/XX/2021 collection agency Franklin Collection Service added a derogatory mark on credit report per XXXX XXXX upon further research, the account was transferred /sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there is NO written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Franklin Collection Service has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
01/12/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MS
  • 39110
Web Servicemember
I disputed the debt XX/XX/2023 according to the CFPB regulations on medical debt paid or unpaid under {$500.00}. It was validated and updated but was not removed. I placed a phone call to Franklin Services at XXXX and spoke with XXXX XXXX in attempts to notify and remove the account. I was placed on a hold and at some point the call dropped. I made numerous attempts the same day to speak with a person and have not been able to. I made XXXX aware of the new CFPB regulations to which he replied we can add the accounts together to get past that before placing me on the hold that eventually would end the phone call.
11/29/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AR
  • XXXXX
Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. FRANKLIN COL account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
01/08/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35126
Web
Was sent to Franklin Collections in XXXX of XXXX for a medical bill of {$830.00} from XXXX XXXX XXXX XXXX. This bill was paid off by XXXX XXXX XXXX XXXX of Michigan medical insurance also in XXXX of XXXX.When I called the company to address this issue they stated my account balance had XXXX out yet the collection was sent again in XXXX of XXXX. I sent Explanation of Benefits to the credit bureau that is clearly showing that I myself owed XXXX and the medical insurance company had paid off the balance of {$830.00}. Still after this nothing was done to fix my credit report report of this unlawful accusation.
11/15/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • XXXXX
Web
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.
01/06/2018 Yes
  • Debt collection
  • Federal student loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 397XX
Web
I HAVE CONTACTED XXXX SEVERAL TIMES ABOUT THE INACCURACY OF THE STUDENT LOAN THAT ARE REPORTING AND THE ACCOUNTS THAT ARE NOT MINE!!! I HAVE SENT THEM NUMEROUS OF CERTIFIED LETTERS WITH ALL THE INFORMATION THEY ASKED FOR TO VERIFY THAT ITS NOT MINE AND THEY STILL REFUSE TO REMOVE THE INFORMATION!! I SENT MY ID, SSC, BANK STATEMENTS,, ETC. AND STILL NO RESOLVE. I SENT LETTER AFTER LETTER STARING FROM YEARS AGO WHEN THE FIRST ACCOUNTS WAS REVEALED AND THEN I SENT LETTERS IN XXXX AND AGAIN IN XXXX AND STILL NOTHING. I JUST DID N'T KNOW WHAT ELSE TO DO UNTIL I HEARD ABOUT CONSUMER FINANCIAL PROTECTION BUREAU.
09/12/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79907
Web Servicemember
Freanklin collection service trying to collect from me saying its debt owned to XXXX. ( I currently have XXXX services ). I called XXXX they said Im in good standing and dont owe them anything. Called Franklin collection and asked for more details on collection, they gave me XXXX account number. Called XXXX provided info and couldnt find any debt on my personal info nor with information given. XXXX advises me not to pay anything as I dont own any debt to them. Now Franklin has reported debt on my XXXX report 2 times in XXXX and 1 in XXXX ( which affect my score ) now I feel they I are just harassing me.
02/27/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 394XX
Web Servicemember
Today, I received a notification that I had a {$220.00} collection added to my account for an XXXX XXXX XXXX bill, and that a new name had been added to my credit report. When I looked, it was from Franklin Collection Services under my brother 's name, even though it is on my report. I never received notification or anything concerning this account previously required by 15 USC 1692 809 ( a ) neither in my name nor in his name, yet it has ended up on my credit report. The only communication that has occurred was the notification from XXXX and XXXX telling me that I had a new collection on my account.
01/01/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33125
Web
This debt collection Agency Franklin Collection Sv is trying to collect {$260.00} from me. They have never validated the debt with me. They are illegally trying to furnish debt that i do not owe. i do not owe XXXX {$260.00}. I have mailed them a letter requesting that they show proof of a copy of the original contract that i signed, a copy of the payment history, name and address of the original creditor and proof of collection authorization. they can not furnish anything on my credit report without validating any debt with me nor without providing the above information. i will be seeking legal action
09/24/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 392XX
Web Servicemember
You are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.
11/21/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • XXXXX
Web
Franklin Collection Services has placed a collection on my credit report without notifying me 5 days prior of my right to dispute this debt. This debt has been added and constantly removed from my credit reports as I do n't have knowledge of this debt. It keeps being sold and reported without my knowledge. The law states that a debt collector MUST notify the consumer 5 days prior of their right to dispute and Franklin Collection Services failed to do this which is against the law. I have no knowledge of this account and do n't have a contract with Franklin Collection Services or the original creditor.
05/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76107
Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
10/23/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • CA
  • 95014
Web
FRANKLIN COLLECTION SERVICES is reporting a collection on my credit report that does NOT belong to me. Numerous attempts to request Franklin collections to validate this account were ignored and instead they are now calling non stop and demanding personal information instead of proving to me that they have the right person they are trying to plug in the ss # and other sensitive data of a consumer which they don't have in first place. Don't they need to be a law firm to threaten to send sheriffs to the house and why are they allowed to call at 4 or 5am. this is a total violation of FCRA AND FDCPA ..
01/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77092
Web
I had a phone bill with XXXX which went into collections because of the financial situation I had. XXXX XXXX XXXX report my account to FRANKLIN Collection account number XXXX. After my financial hardship was resolved, I contacted Franklin collection and resolved the bill. Frankrin agreed to delete this from my credit report through the credit agencies. Today, the account is still showing on my credit report as paid not not deleted as agreed. i have tried to resolve this with franklin to no success. Please assist so Franklin Collection can get this record deleted from my credit report. Thank you
07/21/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35603
Web
I noticed on my credit report a collection account from Franklin Collection Service. I contacted them and requested a detailed description of charges as well as a signed document with the medical provider. The collection agency contacted XXXX XXXX Hospital and the hospital released to the collection agency a third party, my medical history, procedures, and tests without my consent. They did not send me a signed document from the medical provider. I feel that my rights have been violated. I never received a bill or notification from XXXX XXXX Hospital and this bill was placed on my credit report.
03/07/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 272XX
Web
I was on XXXX while unemployed and XXXX when I was ordered by my doctor to get some XXXX XXXX under XXXX. I noticed i was getting billed for the XXXX XXXX thinking XXXX was a little late processing the billing. Months later Franklin Collection was on my credit for over {$570.00} for an unpaid bill. I tried to dispute it and provided copies of emails showing I had XXXX at the time along with a statement from the billing manager at my doctors office ( XXXX XXXX ) stating they may have billed in error. So in other words I/ my credit has to suffer for someone else 's mistake. I'm highly upset.
09/27/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 631XX
Web
Franklin Collection Service is trying to collect a debt that I don't owe. I have submitted a dispute to through the Credit Bureaus. I have not received any correspondences from this collection agency prior to this being put on my credit report. The previous collection agency that had this account removed it from the all the credit bureaus. I have repeated stated that I have never had an account with XXXX XXXX but they continue to send this false information to the credit bureaus ruining my credit score. The collection agency is Franklin Collection Service, XXXX XXXX XXXX XXXX, XXXX, MS XXXX.
10/03/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 351XX
Web
I have a paid collection on my credit report from Franklin Collection Services , Inc listing an old XXXX XXXX XXXX account. I have spoken with several XXXX XXXX XXXX representatives that all express confusion over this collection and assure me it is a misunderstanding, there is no reason for Franklin to report this account at all, the account shows good standing in their system and they will contact Franklin and make sure the collection is removed from my credit report. I am attaching a payment confirmation XXXX XXXX XXXX sent me as well as transcript with an XXXX XXXX XXXX representative.
05/11/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32504
Web
There is inaccurate unverified information posted on my credit report with XXXX XXXX and XXXX I do not recognize this debt and if it that is mine I request the original signed contract with my signature. I have sent several requests to dispute this information with the three credit bureaus and it has not been removed from my credit report after 3 attempts. The credit bureau has stated this information has been verified but I have no documentation or proof and what means this account was verified. I have not received any documents showing that this information is valid and that it is mine.
07/30/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 21144
Web
XXXX XXXX XXXX has sent several statements to XXXX and other credit reporting agencies for a dollar amount of {$330.00}. I never received any documentation from this company and they sent derogatory information to credit agency on the following dates : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 I am being harassed by this company and my credit report is being destroyed. I have never seen an agency go after a debt like this unprofessional organization. Who I owe {$330.00}? When did they first contacted me about this debt? Did they ever send me documentation? No!
01/18/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • TX
  • 75180
Web
After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX XXXX, A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.
05/05/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • XXXXX
Web
Some years ago, I had my purse stolen. I reported it to the police department when I resided in Florida but whomever the person was still open things in my name and I did n't find out until later. At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.
01/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 15090
Web Older American
In 2020 someone stole my identity and opened an account with XXXX XXXX and ran up a {$960.00} bill, which they didn't pay so XXXX turned it over to a collection agency. When I found out about the identity theft I reported the matter to the XXXX XXXX, XXXX XXXX, PA Police Dept. A copy of the XX/XX/2020 XXXX XXXX police report is attached. I gave the police report to XXXX XXXX and they told me the account was closed, but it appears they have given it to another collection agency because the {$960.00} bill has reappeared on my credit report at the request of Franklin Collections.
04/07/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OR
  • 971XX
Web
I have documentation from XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX that states XXXX XXXX XXXX XXXX XXXX XXXX sending me a refund in the amount of {$180.00} and since this time, they have sent me to 3 different collection agencies and this reporting is impacting my credit negatively. I do not owe XXXX XXXX XXXX any money and I have been told this numerous times. I don't know what else to do to get them to stop harassing me for {$50.00}, but to report to you. This is currently with a collection agency called Franklin Collection and was reported to my report on XXXX as delinquent.
03/04/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 32073
Web Older American, Servicemember
I received a letter from Franklin Collection Services. The letter offered me an settlement on an XXXX account that I do not have ( never had XXXX ). In the letter it stated pay or contact your attorney. I attempted to contact this company and was told that they suggest I speak to my attorney to protect myself. When I asked from what the agent laughed and stated collection efforts. I now feel intimidated and afraid for my life and my financial future, seeing as these people have my address and my phone number and are threatening legal action with no proof or validation offered!
10/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 358XX
Web Servicemember
I pulled my credit report on XX/XX/XXXX, and found an entry from Franklin Collection Service, claiming that I owe them {$750.00}. On XX/XX/XXXX, I sent them a certified letter seeking 100 % complete debt validation, within 30 days. The letter was delivered on XX/XX/XXXX. In response to my letter, The company sent me a billing statement with a message stating that the bill was validation of the debt. I called immediately to speak with someone, but could not reach an agent. I called on XX/XX/XXXX, and was told by their agent that the bill I was sent is validation of the debt.
01/05/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • KY
  • 41051
Web
I receive phone calls from Franklin Service , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Phone : XXXX They call repeatedly but do not leave a voice mail, when I do answer, I have asked them on no less than 4 occasions to send me the information in writing as I do not believe I owe this debt. Each time they confirm but do not send the information and continue to call. I've asked repeatedly for more information, but they do not provide that information, instead calling repeatedly, leaving no voicemail, call after XXXX and ignore my wishes for more information.
12/16/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 382XX
Web Older American
Franklin Service , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Toll-Free : XXXX Client Services : XXXX XXXX XXXX XXXX is original account holder. This account was settled XX/XX/2020. This Franklin Services is trying to collect from an already settled account in which I have a receipt from the XXXX XXXX for equipment I returned. Franklin collections is the 3rd. company I have had to dispute this with on my credit reports. It comes off my report then returns with a different collection 's agency. I am retired and tired of having to deal with this.
12/10/2021 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 35805
Web
They are mailing me the same collection letter for same account same amount multiple times a week. I wish I had kept all of them but the ones I have are dates XX/XX/2021 XX/XX/2021 and XX/XX/2021. Its harassment! I know I owe the money I just cant afford to pay it. The hospital is already garnishing my state taxes for it. Between my health issues and my daughter having XXXX XXXX I can not afford to pay off the almost XXXX they are harassing me for. Its just a constant reminder that Im failing and I dont even want to check my mail anymore because of Franklin collections
09/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27610
Web
The debt was paid XX/XX/16, they are telling me that I need to wait two more years for the account to be dismissed, which never happened before, if the account is paid in total, companies immediately accept the dispute and erase it. Here is the accurate information for you to help me out, I need to repair my credit. FRANKLIN COL ( XXXX XXXX ) Account # XXXX Account Rating XXXX Original Creditor : XXXX XXXX ( utilities ) Remarks : XXXX XXXX Amount Placed : {$110.00} Opened : XX/XX/16 XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Respecfully XXXX XXXX
11/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30144
Web
I received a letter from XXXX stating I owe a balance of {$360.00} due to XXXX. Then, XXXX sent the debt to Franklin collection services. I have never had an account with XXXX and I explained that. I have mailed 3 letters in regards to the debt but have not received any proof or correspondence about the letters, only more mail trying to collect the debt. The dates these letters were mailed are on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year and I have yet to receive anything. I keep getting reported on my credit due to this debt and I am in need of help.
02/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77044
Web
On XX/XX/XXXX I sent in a debt validation request via USPS certified mail to Franklin Collection Services. The company received it on XX/XX/XXXX. A copy of the letter will be attached. Franklin Collection Services NEVER validated this alleged debt but still reported it to the credit bureaus. On XX/XX/XXXX, I sent a None Response letter to them, and it was received on XX/XX/XXXX. To this day, Franklin Collection Services is still reporting this unverified, erroneous item on my report and have not validated it. They are illegally placing it on my credit report.
07/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • UT
  • 84780
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
08/06/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 39601
Web
I sent out a certfied HIPPA dispute letter with a mailing receipt to Franklin Collection Service , Inc. XXXX , MS. XXXX on XXXX XXXX, 2017 in regards to a alleged medical bill debt in the amount of {$2800.00}. By law they had up to 30 days to respond and I was told the company is saying they never received anything from me even though I have a copy of the day it was mailed off. This goes against the Fair Credit Reporting Act and violates my rights as a consumer. Below is a photo document of my mailing receipt to the company along with the date it was sent.
06/29/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35215
Web
I called XXXX XXXX XXXX to get cable and WiFi and they never gave me services and XXXX is not even available in my area. They are trying to charge me for services I never received. Ive called 7 times and every time theyve kept me on the phone for 40 plus minutes only to hang up or disconnect the phone right before Im transferred to supervisor. I would pay the debt if it were mine. However not only did I not get services, my name is incorrect and I waited 3 weeks without services because they said they would come out. Please remove this. I do not owe it.
11/26/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • AL
  • 357XX
Web Older American, Servicemember
I am 100 % service connected XXXX veteran and XXXX the department of veteran affairs handles and pays 100 % of all my medical bills, yet this collector continues to place negative things on my credit report three times a week sometimes twice a day on three accounts that was approved by the VA, this is willful and deliberately destroying my credit Please cease and assist your destructive practice when you were shown proff the va authorized these medical bills that you listed as a loan stop its not a loan but medical that should not even be reporteted
08/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NH
  • 034XX
Web Older American
Franklin Collection Services is reporting my delinquent XXXX account on my son 's credit report. My son is trying to refinance his mortgage and this is hurting his credit. We both have the same first and last name, but different middle names, addresses and obviously social security numbers. My son has never had a XXXX account. My son disputed this to the XXXX, XXXX and XXXX on XX/XX/2020. They are all saying their information is accurate. My wife wrote to XXXX on XX/XX/XXXX. We have had no response from them and the account continues to appear.
02/25/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • CO
  • 80132
Web Servicemember
XXXX XXXX on XX/XX/2020 XXXX XXXX on XX/XX/2020 Franklin Collection Service was rude on the phone when asked for company name, phone number, and address. Had to call back 4 times to get the information. The company tried to defend their actions stating their local time is passed XXXX XXXX. I explained to them that if they have my account information, then they should have my address information showing that I live in Colorado. Even after I expressed my disapproval of calling before legal hours, they called again the next day before XXXX XXXX again.
05/10/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34990
Web
Franklin Collection Services reported, on multiple occasions, to all three credit bureaus that I owed a d ebt to XXXX XXXX XXXX that was paid directly to XXXX XXXX XXXX . I never received any notification from Franklin, I wrote asking for validation and never received a reply and disputed with the credit bureaus, including submitting proof of my payment directly to XXXX XXXX XXXX . Franklin Collection is still reporting this collection to all XXXX bureaus, although they have now changed the balance to {$0.00} with XXXX .
10/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90068
Web
I owed XXXX XXXX XXXX, and it was referred to Franklin Collection Services. They called me, I paid, but they went ahead and put it on my credit reports at XXXX and XXXX AFTER. This has really hurt my credit, even though the actual entry on the reports says it is PAID/CLOSED. I called them and asked them to remove it from my credit reports, but they claimed they could not do that ( not true ) and offered only to mail me a letter saying the debt was paid, which is useless ( that was after 3 hangups and 5 transfers between departments on their end ).
10/09/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 44720
Web
I received a letter from Franklin Collection Services on XX/XX/2020 stating that I owed {$260.00} to XXXX from FOUR YEARS AGO. I have been told by phone, through email, and by mail correspondence from XXXX XXXX XXXX that I do not owe them any money at all. I gathered all of this documentation and made the dispute through Franklin Collection Services on XX/XX/2020 and it still has not been resolved ( today is XX/XX/2020 ). As a result, by credit score has dropped XXXX points and I still am unable to correct the score to credit reporting agencies.
03/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30236
Web
I contacted XXXX and XXXX about 2 inaccurate accounts that did not belong to me. There are also 6 inquiries that I explained that they were done by identity theft that my personal information was compromised due to a data breach and I was told to contact the companies directly and didn't remove them. because of these, it has caused my credit score to become distressed and caused me to not be able to support getting things I need for day to day living. so this is why I'm reaching out for your help to correct this situation as soon as possible.
08/03/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 352XX
Web
My identity was stolen. I have never had an account with XXXX and now they sold the debt to a company called Franklin Collection. When the account was established with XXXX I was in prison at the time. I have sent the XXXX and Franklin Collection letters stating my situation and asking them to remove the negative mark off of my credit, but both of the companies fail to do. Im tired of the wild goose chase and the damaging effects this is having on my life. My hands are tied and I was left with no other option but to turn to you guys for help.
02/28/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37130
Web
I was alerted by XXXX XXXX of a new collection on my credit report after doing some investigation and contacting XXXX I've determined this account was opened with out my permission or knowledge. this is the second att account opened using my info. I have active fraud alerts on all my credit reports. the outstanding debt is XXXX and being collected by franklin service inc. I've had active att service at my home for years I don't understand how this happens. i have a filed a identity theft affidavit and have a police report for identity theft
10/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23435
Web
Franklin Collections is reporting on behalf of XXXX XXXX XXXX stating that I owe XXXX for a past bill. There only supposedly bill for a month that I had already cancelled the service, I moved out in XX/XX/XXXX at that time the service was cancelled and the equipment sent back. XXXX XXXX XXXX was aware that I moved. Yet they allowed Franklin collections to unlawfully collect place on my credit report with out giving me a chance to dispute or rectify. I have not recieved any call or mail concerning this account yet it is on my credit report.
01/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35022
Web Servicemember
I was charged for XXXX equipment rental. However, the equipment was not mine. XXXX did not verify the equipment or billing and submitted this information to the debt collection agency. I was charged {$490.00} for equipment that I never received at an address I never lived at. XXXX XXXX XXXX ) XXXX submitted this to Franklin Collections Services and reported this delinquent on my credit report. I paid the debt XXXX XX/XX/XXXX XXXX to get this removed but I am due a refund and for this to be removed from my credit report immediately.
11/06/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • XXXXX
Web
This organization has failed to provide the following information as well as constant calls and harassment. - Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers.
06/29/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MS
  • 39180
Web
Franklin Collection XXXX added this debt to the credit unions which resulted in a XXXX deduction in credit score. I contacted the office that sent this to XXXX and advise them that I was charged and paid for what they asked for when I was in their office. This should have never been sent to the credit bureaus. The dentist office is XXXX XXXX XXXX, XXXX in XXXX, MS . They need to get into the habit of asking for the full amount if that is what they charge. I had no knowledge of this bill. I have since sent XXXX the payment requested.
02/21/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32818
Web
The FDCPA forbids the harsh, dishonest, and unjust techniques that this debt collector used. They provided this account, which I did not sign an agreement on. I did not take part in any of the signings that two parties make in a legal contract. Furthermore, they didn't follow the right 5-step validation process, which makes their actions unjust. I am entitled to {$1000.00} under the FDCPA for each breach, and it is obvious that my rights were infringed. FRANKLIN COLLECTION SV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30344
Web
Franklin Collection Service has listed a balance of {$220.00} from XXXX as an original creditor on my credit reports. I have mailed Franklin Collection Services certified letters regarding this collection. This negative tradeline is currently on my XXXX and XXXX credit reports. Franklin Collection Services has not responded and has not contacted XXXX and XXXX to have this collection removed from my credit reports. I am asking for assistance in this matter of resolving this problem. Attached are my letters and certified receipts.
05/03/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • AZ
  • 85635
Web
I was sent a letter with a fake case number and logos impersonating a government agency. I have never been a customer or done business with Franklin services. This is illegal and a violation of multiple fdcpa laws including attempting to impersonate a government agency using former President Franklin face as a seal. The letter states I have a open case aswell as a case work and I need to contact my attorney regarding potential remedies and to discuss my defense. " XXXX # XXXX '' amount they are attempting to extort is {$1200.00}
01/11/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MN
  • XXXXX
Web
I received a letter in regard to old debt. I notified the Creditor in Writing of a dispute instructing them I wanted Proof of the agreement to pay the creditor, a copy of the final account statement, a breakdown of total amount dues, and date and basis of the charges. The company has not responded in writing as requested, and as such has reported this as a negative item to the credit bureau. My request was mailed within the initial 30 day time frame to dispute the debt. They also have not reported the account is in dispute.
11/01/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30318
Web
Franklin Collection Services is trying to collect a debt of {$1100.00} from " XXXX XXXX XXXX '' that I have no knowledge or am aware of. I am very aware of my rights and the Fair Credit Reporting Act. I demand that Franklin Collection Services provide documented proof ( My signature on a contract with them or XXXX XXXX XXXX ) that shows I had any sort of business with them. Otherwise I am prepared to take full legal action against Franklin Collection Services for illegally trying to collect a debt from me that I do not owe.
08/08/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30043
Web
This company Franklin Collection is still reporting this collection account on my credit reports even though this debt was paid in full directly to XXXX XXXX XXXX. Firstly after filing a dispute with the credit bureaus, in XX/XX/XXXX of XX/XX/2020 Franklin Collection posted a debt of {$110.00} to my credit bureau reports 4 times in that one month. This amount was paid directly to XXXX XXXX XXXX and instead of it being removed from my credit, Franklin Collection updated the posting as a collection account, paid in full.
01/02/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92335
Web
This debt was actually a mistake on XXXX behalf. I had XXXX internet and they mistakenly charged me for months of usage. I was on the phone with XXXX for over two hours and I was able to take care of the charge and pay a total of {$45.00}. This also came up last year and I disputeted and it was taken of my credit but this has appeared once again and it 's pretty annoying seeing my perfect credit have a derogatory mark. I have never received anything from them either so I have no idea how they received my info and ss.
07/26/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35749
Web
I received an alert on my credit report a few days ago that I had a medical collection debt that I do not recogonize and it caused my score to decrease by more than 38 points. I'm in the process of trying to get mortgage as I'm trying to be a first time home buyer. This is too stressful as I'm already dealing with the reporting agencies ignoring my request now I have this collecton appear out of no where. I never received any notice in the mail or anything to even even verfiy if this alleged debt even belongs to me
08/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 78746
Web Older American
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
03/24/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 35749
Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP THE CALLS!
03/28/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • XXXXX
Web Older American
XXXX OPENED AN ACCOUNT XXXX Saying it was necessary to put in my personal numbers to my cell phone this phone number ending in XXXX was never used there 's not a single call placed upon that nor did I sign any contract allowing them to charge me for this account which should never of been left open. they are attempting to charge me for a service I did not order did not approve and did not use and did not sign for Collection amount with XXXX approximately {$180.00} please call for additional information XXXX
10/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77396
Web
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
05/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77077
Web
For over the last two years, I have been in a dispute with ATT and their collection agencies. They have charged me for past due balances that were never due. In fact, I continued to keep service with them. I have attempted to resolve this issue with them but they insist on sending various amounts to various different collection agencies. I believe separate accounts we set up during my transitions between residences. Due to XXXX rules, XXXX had to create different accounts rather than roll them over.
03/09/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32751
Web
I returned the equipment as requested by XXXX and the collection amount remains the same. XXXX states that they never received the equipment. However I kept a receipt from their receiving center ( XXXX contracted XXXX to receive equipment on their behalf ) where the equipment was delivered. They also can not provide a detailed bill stating why it is {$1200.00}. Most of which I am sure were not authorized by myself. Charging me for services that I did not authorize does n't make sense nor is right.
03/15/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91913
Web
I rented an apartment where I needed a LANDLINE for " work from home '' purpose. The XXXX XXXX XXXX field tech did not want to install a line from the pole to the building, Stating it was OLD technology and I SHOULD be using the DSL line option. Field tech left and NEVER installed / established services for this account. But XXXX XXXX XXXX did generate a bill that service was done. I called and had no luck with the rude XXXX XXXX XXXX service reps. Stated they only go with what their system says.
08/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • IN
  • 46254
Web
Franklin Collection Service , Inc. hereinafter referred to as ( " FCS '' ) did not provide me with a Debt Validation Letter and subsequently placed their unauthorized and impermissible collection account on my credit bureau record ( XXXX, XXXX and XXXX ). I have requested for a Debt Validation Letter from FCS to no avail. FCS is in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I respectfully request for the CFPB to instigate an inquiry into FCS accordingly.
12/18/2017 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • MS
  • 39047
Web
I have been trying to get the medical provider to resubmit claim to insurance they said they cant its gone to collections. My insurance company said the office coded it wrong and that they needed to code correctly and resend. i tried explaining this to the collection agency ( franklin collection ) but he said if i didnt pay then he would contact my employer. I told them not to as they do not have a judgment or any other legally obligatory note. The individual called them at XXXX XX/XX/2017.
03/12/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 32244
Web
Contacted Franklin Collection Service , Inc. About a debt that has already been disputed through XXXX when it was with another debt collection agency XXXX removed it due to wrong amount! It appears that Franklin Collection has put the debt back on my credit report when it has already been removed before by XXXX! As it is written by law that if a debt is deleted off your credit report it can not be added back on. The amount on debt {$310.00} Last 4 digits of social security number XXXX
09/30/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33071
Web
In XX/XX/2016 I moved to a location where XXXX XXXX XXXX could not provide service to me. when I called in to try and move my services thats when I was informed they did not provide service in that area and also told me they would wave my cancellation fee because of the inconvenience. About 3 to 5 months letter I receive a letter from a debt collector stating I owed XXXX XXXX XXXX for a early termination fee. I decided the battle was not worth it so I went a head and paid off this debt.
12/21/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • IL
  • 60201
Web
since XXXX franklin has been reporting that i owe {$420.00} to them. i have asked for validation which would include my signature on a contract showing that i have done business with them or XXXX and they have not sent this in 6months. i have informed them that i have been the victim of id theft and they have not fixed the issue that i have been disputing. attached i will be including the ftc id theft report as well as a evanton police report verifying that i was the victim of id theft.
07/26/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60419
Web
This collection agency is reporting a debt on my credit report, but they are no longer handling the account. Since they are no longer, handling the account, and it has been referred back to the original company. I asked them to delete this information from my credit file. They don't have any more information on me, it has been transferred back to the company that hired them to collect the debt. If they are not handling this account, they should not be reporting information in my file.
01/18/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76112
Web
This account was disputed with another collection agency and removed due to fraud I've never had and account with XXXX XXXX XXXX then Franklin collection agency purchases the debit and XXXX put the account back on my credit report I submitted another dispute XXXX looked it up and saw via their fraud department this account was disputed and successfully removed from my credit report from 2 previous debt agencies-companies keep purchasing this debt and putting on my credit report.
02/19/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30809
Web
I ordered an internet service through XXXX XXXX XXXX and the service was disconnected after one month due to incomplete installation ( cable was cut by HOA, XXXX XXXX XXXX did n't bury the cable in front of my house ). I paid their service fee and returned equipment to Texas office and I do n't owe anything for them. When I call XXXX XXXX XXXX and try to resolve this payment issue, they transfer to different dept which is not relevant to this issue and try to waste my effort.
11/18/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 710XX
Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : FRANKLIN COLLECTION SV Account Number : XXXX Date : XX/XX/2018 Amount : {$470.00}
03/30/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 77396
Web
I am a victim of identity theft and noticed a collection from FRANKLIN COLLECTION SERVICE. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against FRANKLIN COLLECTION SERVICE in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
11/29/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91607
Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : FRANKLIN COLLECTION SV Account Number : XXXX Date : XX/XX/2018 Amount : {$170.00}
11/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76244
Web
I have contacted this company by certified mail 30 days ago requesting proof of debt belonging to me, contract bearing my signature and have received nothing from this company. I called and spoke with them over the phone, and they stated my requested needed to be done in writing which I did, and nothing was done or sent out. This company is past the alotted time by the fair credit reporting act and either needs to submit proof or remove this account from my credit report.
10/01/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28227
Web
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and the collection company FRANKLIN COLLECTION SV a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
09/30/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77346
Web
I been notified from the credit bureau that a negative collection was place on my report l was never noticed by the collection agency about a attempt that was placed with them this collection have no right to placed a collection on me l dont even what company that the agency is trying to collection but this collection do have a right to destroy and add a negative on my credit report and l havent been notified of anything please remove l own this collection agency nothing
09/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30344
Web
This is not my debt, it just randomly appeared on my credit file XX/XX/XXXX XXXX I was a victim of identity theft, Ive reported the identity theft to the police and all 3 credit bureaus with no resolve, Please assist me with clearing my name ... Franklin Collection Service is the collection agency and the original creditor is XXXX, I dont have an account with XXXX or Franklin Collections, Ive never had an account with them ... they claim I owe them $ XXXX..this is fraud
10/09/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • XXXXX
Web
Requesting back up from Franklin Collection service Clearly they just purchased this debt from another collection agency that was recently removed from my credit reports due to not providing the information to verify this debt. As stated in the attached letter- I am requesting detailed back up for the {$230.00} debt that is being reported on my credit report If you can not provide back cease all collection attempts and report from my credit report AGAIN immediately.
01/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93309
Web
XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
04/10/2016 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • AL
  • 35810
Web
I was called on my personal number on XXXX/XXXX/2016. I asked the representative for no further calls. I explained that I would pay when I could pay. The representative said it does not work that way and they could continue to call as long as I owe. I explained that no, they are not. I told the representative again, do not call. On XXXX/XXXX/2016 this company called my place of employment and threatened to sue me. The company name is Franklin collection Service
11/09/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35802
Web
I received a letter from The Collection Firm of Franklin Collection Services INC. The letter is an attempt to collect a debt from a creditor called XXXX XXXX XXXX XXXX. I have no idea of this {$880.00}, in debt that this company is trying to collect. I havent go into an emergency hospital since I was back in XXXX XXXX. I surely know that this debt is not mine or theyre trying to maliciously make money in a situation like the one were facing right now, COVID-19.
08/10/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 39042
Web Servicemember
This company was informed that I have no knowledge of this account. The company failed to validate the account. Company was notified immediately. They failed to do so and began to report on my credit causing a negative rating. They also put the wrong date on the letter that they sent. They have XX/XX/2020 as the date of initial contact which is a lie. I just received this letter. This company is doing illegal activity. Multiple violations of the FDCPA AND FCRA.
07/12/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 481XX
Web
On XXXX XXXX I received an alert that I have a collection on my report. I never received a call or letter from franklin collection service. I called the agency they stated it 's from XXXX for service I never received. I leased my home for 3 years and during this time I became a victim of identity theft. I submitted a dispute to the creditor they reported it again as a new debt. I also checked this collection agency is not authorized to collect debt in Michigan.
08/30/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 35244
Web
This is a medical collection, for services that I received as a result of a car accident. I obtained an attorney who contacted all creditors and collection agencies to advise that the bills were the responsibility of the insurance company. To date the insurance company has paid all bills in full. However the collection companies continue to report derogatory information on my credit report, even after my requests through the credit bureaus that they remove it.
10/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • FL
  • 33064
Web
XXXX XXXX I mailed a certified dispute letter to FRANKLIN COLLECTION SERVICES and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 200 complaints on XXXX they also have over 300 complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
09/15/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91773
Web
XXXX XXXX XXXX XXXX is a third party debt collection company that continues to furnish medical debts on my consumer report. Also they continue to contact me about this alleged debt from various phone numbers which is harassment and abuse. I do not know whom this company is, and I have no legally binding contracts with them. I sent them a letter to validate this alleged debt on XX/XX/2021 and I still have not heard anything but I did receive a return receipt.
02/12/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
Franklin Collection is reporting on my XXXX, XXXX , & XXXX credit reports that I owe them {$1700.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?
01/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 357XX
Web Older American
I received a collection notice from Franklin collections in XXXX Mississippi for an XXXX XXXX XXXX bill that I had disputed. I asked them to turn my phone off and they billed me for two more months. I agreed to pay Franklin collections {$100.00} to settle the debt, {$40.00} on XX/XX/XXXX and {$60.00} on XX/XX/XXXX and they agreed not to report it. No sooner than they got my money they reported it anyway. I held my end of the agreement but they didn't.
01/16/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 90250
Web
I continue to repeatedly get calls after I told them I never received a bill, I told them to send me a bill and stop calling me. They continued calling me I didnt receive the bill until XX/XX/2020 the letter stated I had 30 days to make a payment however the collection agency reported this account to my credit. I didnt have a chance to even call and make the payment. Im requesting to remove this account from all 3 credit bureaus in return of payment.
11/26/2018 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
  • CA
  • 93309
Web
XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
07/29/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70791
Web
I sent a debt validation letter to Franklin collection services asking for the original signed agreement an my hippa release an they never responded an continue to report to my credit report. They continue to put unvalidated information on my credit report an have all my medical information without my hippa release. They put 8 collection on my credit report {$930.00}, {$660.00}, {$460.00}, {$380.00}, {$350.00}, {$300.00}, {$190.00}, and {$140.00}
11/28/2018 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
  • CA
  • XXXXX
Web
XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
11/10/2018 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
  • CA
  • 93309
Web
XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
05/27/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27519
Web
Franklin Collections has a collection on my credit file from XXXX XXXX XXXX. I have disputed this collection twice of which XXXX claims that the debt has been verified. With that being said, I have yet to receive for what service was this for. Was it a cell phone? I have requested a detailed report from the collection agency with no answer in my last complaint. I refuse to pay a bill without a detailed description of dates and what it was for.
07/21/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 357XX
Web
I sent a letter to Franklin Collection Service asking that they remove their unauthorized collection from my account. I received a letter back saying that they would delete this on all XXXX bureaus. The first letter I sent was on XXXX/XXXX/16, said they would delete on XXXX/XXXX/16 and it is now XX/XX/XXXX16.They have yet to remove anything from the bureaus. They are still reporting on my credit and therefore damaging it and my financial life.
05/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 352XX
Web
I checked my credit report in XXXX preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed multiple complaints and Identity theft packets as directed by the police department to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
10/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48336
Web
I was informed that I had a previous debt with XXXX and I was resolved to pay it off since it was a small amount but then I thought the bill was not mine so why should I pay it. I filed a complaint and requested that they send me a final bill so I can rectify the bill while all along I had no intentions of paying a bill that was not mine this bill was at an address I never lived at and plus at the same time I was living at another address.
09/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89148
Web
Id like to dispute Franklin Credit Services charge for {$330.00}. This is an account that has been in dispute with XXXX XXXX XXXX ( acct : XXXX ) and is due to identity theft. XXXX XXXX XXXX concluded an investigation with incomplete information and reinstated collections. I am attempting to reopen the dispute with XXXX XXXX XXXX but theyre being uncooperative. The police report on the identity theft is : XXXX XXXX Metro Police - XXXX
05/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70043
Web
In accordance with the fair credit reporting act convergent account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Sec 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
01/09/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IL
  • 60441
Web
A settlement was agreed upon, and immediately paid. Upon checking my credit report, the debt is still listed as unpaid ( two months later ). Not only this, but when I stated that I was going to pay the settlement, they tried to claim that I stated I would pay in full, and would not accept the settlement. Countless calls led to speaking with a supervisor (? ) who finally came to another ( more expensive ) settlement that I agreed on.
09/05/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 420XX
Web Servicemember
I filed a complaint against XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. That collection account was an account originally from XXXX XXXX. The XXXX XXXX solutions was deleted from my credit reports after filing the complaint through CFPB. Now another collection agency named Franklin Collection Service is now reporting this same XXXX XXXX account on my credit report. I have never lived in an area wheee XXXX XXXX has even been available.
01/08/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 397XX
Web
Franklin Collection has refused to remove debt from my credit file after I sent them numerous letters certified mail detailing that those debts are not mine. I have sent paper work with Affidavits and police report that the debt was n't mine but they refuse to remove it from my credit file. They are refusing to remove the illegal debt. I told them several times it was n't my debt but they insists on trying to make me pay the debt.
09/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28546
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 352XX
Web
Earlier this month, I pulled my credit report and discovered multiple inaccurate accounts reporting. I have filed countless reports and disputes with the companies included in this complaint. The credit Bureaus have failed to remove these accounts as well. This is prohibiting me from purchasing a home. I was a victim of identity theft and reported it to all the parties involved. I have yet to see these items removed or blocked.
01/27/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92404
Web
I received a Collection Notice from Franklin Collection Service regarding an unpaid Debt for XXXX for {$250.00}. I have never had an account with XXXX ever in my life. I have always had XXXX for my cable and Wifi Services. I sent them a certified letter on XX/XX/2021 stating that I have never had an account with XXXX, and this is not my debt. Today I was informed that my credit score dropped 32 points from XXXX to XXXX.
04/10/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 44134
Web
I disputed A collection with Franklin Collection company through XXXX on XX/XX/XXXX that the debt was paid in full and should be removed from my credit because it is false reporting. It has been almost two months now and they have not responded nor fixed the error. They are saying I owe {$1000.00} which is false. It has impacted my score and I would Like it fixed and removed from my credit for good. My dispute number is XXXX.
11/03/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32003
Web
XX/XX/XXXXaccount was closed due to lack of services from XXXX XXXX. I had no reception even when it was not raining. They were never able to correct the problem. I closed the account but they charged me for closing the account. My monthly payments were always paid even though I never had acceptable TV service. I am disputing this closing fee since I had to get service from another company because XXXX could not provide it.
10/11/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • LA
  • 705XX
Web
I am disputing this off of my credit report this collection agency purchased my account from XXXX I did not authorize any buisness with XXXX XXXX the debt was sold by XXXX XXXX XXXX is calling and harassing me for XXXX I did not sign any contracts with that company therefore Im not obligated to pay the debt please remove the account and the negative impact from my account I did reach out to XXXX XXXX to remove the account.
08/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web Older American
Franklin Collection SV account XXXX XXXX XXXX XXXX I have know Idea what this is for and why you placed it on my credit report. please give me some type of information about this debt, { 1 } a copy of billing, A copy of a service contract with my name on it, where or who made the debt, what type of debt this is and for what. I be waiting to hear back in your response to the CFPB because I have no idea what this is for
05/19/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AL
  • 351XX
Web
I had an XXXX visit in XXXX, with no insurance, I paid half of what I was told to pay up front. The remaining balance I made payments on and set up payments, but I never had them taken from my account at the time. I was called continuously and I kept trying to get some kind of arrangement set up but no one was willing to help. I am also confused on when the date was for service and when I was supposed to have it paid.
03/17/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30605
Web
I recently received a copy of my credit reports from the XXXX credit bureaus and I noticed an account in collections from Franklin Collection Services in the amount of {$220.00}. I contacted the collection and requested verification of debt but all I received is a bill. There is no breakdown of charges or signature. I have disputed this and requested in depth verification of this debt but I have not received a response.
01/31/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 303XX
Web
I have had this collection on my account for 3+ months which has nothing to do with me. Someone stole my identity or committed fraud because I never had XXXX XXXX XXXX. Please remove this collection ASAP that I have no knowledge of. Before this random collection I had a 700+ credit score. I have also a 100 % payment history with an annual income of 100,000+ a year, I am not struggling and this collection is ridiculous.
11/28/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • XXXXX
Web Servicemember
XXXX XXXX XXXX sent our closed account to a collection agency Franklin, ( all equipment returned and services paid for ) as we switched to another provider. We sent copies to both XXXX XXXX XXXX and the agency to no avail. We finally just paid the darn bill as to get the phone calls, letters, etc on our file stopped. Now a collection account shows on our account. HELP ... this is coming us a mortgage. Thank you,
04/16/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63043
Web
Someone open an account using my identity as listed below '' Account name FRANKLIN COLLECTION SERVICES Account number XXXX Recent balance {$470.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX This is reported to XXXX XXXX XXXX XXXX XXXX, TX XXXX
10/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35801
Web
The bill is at an address I have rental property. I have never lived at that address. The mortgage is in my name. Per the collection agency, the email address is for XXXX. I have an XXXX XXXX XXXX account, never had a XXXX XXXX account, for utilitites? I thought the calls were scams, I did not respond. I never received any letters to my residence where I have lived since 2000. Why is this on my credit? Not my bill.
10/31/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37075
Web
XXXX XXXX XXXX is currently reporting a collection account to my XXXX credit file. There are two problems with this, they are first violating my privacy reporting this collection account is a HIPPA violation and secondly I live in Tennessee. Tennessee requires all collection agencies to be licensed and bonded. Franklin Collection is no longer licensed in Tennessee therefore they are unable to collect on this debt.
12/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33141
Web
I cancelled internet service and returned a router to XXXX, a month later they said they did n't receive it. I mailed them the receipt from the post office showing I returned it. I called and they said they did n't receive that receipt either. I sent everything to addresses they gave me so I do n't understand how come everything got lost and I was sent to collection when I did everything the way I was supposed to.
04/10/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85226
Web
XX/XX/2017, i made several phone calla to XXXX XXXX XXXX about this that this is a identity theft, explained that i never been to Texas ever and I'm not a woman because its a woman names come with it. Until one day i spoke to someone in XXXX XXXX XXXX loyalty department and told me just disregard it, thats XX/XX/2017 when i had the conversation with XXXX XXXX XXXX loyalty department, I though thats the end of it.
04/02/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • SD
  • 57701
Web Older American
In XX/XX/2011, I developed a XXXX and found myself in numerous XXXX. In every case, I asked if I would be held responsible any costs of treatment. I was told that I would not be liable for medical services, the main importance was that I receive the proper medical care for my XXXX XXXX. I just discovered that those hospital visits have been deferred to eleven collections agencies. My credit score is now terrible.
08/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • XXXXX
Web
I have a loan with XXXX XXXX XXXX, FRANKLIN COL ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX XXXX, FRANKLIN COL ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
09/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60201
Web
Found a hit on my credit report from Franklin. Sent a formal dispute asking for validation of the account. The i was sent via certified mail on XXXX XXXX and signed for on XXXX XXXX. I received a final bill from the company showing a phone number that was not mine. Franklin broke the law by not supplying a valid signature or proof in the required 30 days by law, nor did they remove this from the credit bureaus.
02/08/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 897XX
Web
XXXX XXXX XXXX has acknowledged that they incorrectly billed me {$260.00} for account number XXXX. However, XXXX XXXX ( FCSI ) continues to try to collect this amount on XXXX XXXX XXXX behalf even after being notified and shown a letter from XXXX XXXX XXXX stating that I do not owe the amount. FCSI has fraudulently reported the debt on my credit report causing my credit score to go down by 16 points.
08/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77598
Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at FRANKLIN COLLECTIONS. I did not open or authorize this account, and I request that it be removed from my credit file immediately. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.
01/01/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 388XX
Web Servicemember
I am 100 % XXXX veteran and had some medical exams and surgeryndone that was approved by XXXX. I had my Congressman and Chief Duty Director of VA send letters that XXXX is paying this bill and to remove the negative account from my credit report. I even sent them the Protecting Veterans Credit Act of 2018. They have cost me a low credit score and high interest rates because they are breaking the law
04/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OK
  • 741XX
Web
I am making a formal complaint against Franklin Service , Inc., XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX ( XXXX XXXX XXXX ). I paid Franklin Service {$260.00} on XX/XX/XXXX to settle my debit in full with XXXX. Franklin Service did not report my payment to XXXX for account #. On XX/XX/XXXX I paid XXXX ( XXXX XXXX XXXX ) additional {$130.00} on same account #. I have attached receipts.
02/08/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33435
Web
Company is attempting to collect on a debt that is not owed, and failed to send proper documentation validating the debt Not Verifying it. They are reporting this inaccurate information on my credit report, and cannot provide the proper documentation in which a written letter was sent XX/XX/XXXX asking them to provide me with copies which they failed to provide so they are in violation of the FCRA.
07/25/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 39212
Web
My niece was a patient at XXXX XXXX XXXX in XXXX, ms Where she is a minor I was told to show my ID and insurance card, after they refuse to treat her. And eventually she was treated as me being a responsible adult. I called her insurance to straighten out the debt, I was told that everything was taking care of now I have a collection agent on my credit record for a hospital bill As XXXX XXXX XXXX
07/17/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30281
Web
On XX/XX/2018 I came to an settlement agreement with Franklin Collection Svcs on a debt that they purchased from XXXX XXXX XXXX. I did not have a contract with Franklin Collection Svcs therefore they shouldn't have been able to report negatively to the credit bureaus. To settle this matter we came to a settlement amount of XXXX. When I asked them to have the negative remarks removed, they refused.
08/07/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 395XX
Web Servicemember
i notice an negative item from franklin collection since XX/XX/2020, and have been dealing with them with no reply, i sent letters in XXXX and XXXX and noone from the company has ever gotten back to me concerning this alleged debt and its real sickening for them not to care and cause me such grief. please assist me in this matter.i have attach letters that i sent to the collection company below.
05/12/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35216
Web
This collection account is listed on my credit report and I never recieved any notice by mail. This has caused the due processed to be skipped and I have not been alloted the proper time to dispute and request the validity of this debt. Futhermore, I am deeply disturbed that a collection agency has and is listing my medical history publicly and possibly violaliting my hipaa privacy protection.
12/21/2016 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 285XX
Web
Franklin Collections agency continues to report an account from XXXX XXXX partners. I have disputed the account several times. I contacted XXXX XXXX partners, they said the date of several was XXXX 2008, which is far outside of the 7 year allowable reporting period. In addition, I had insurance at the time of service, so the account should have been paid, which was confirmed by XXXX XXXX XXXX.
12/02/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77073
Web
Since 2020 XXXX XXXX has been reporting a collection of XXXX $ on my file. I've disputed this several times we both bureaus, I've never done business with this company not sure how they recieved my information. this company is hindering me from extending credit.They are sending me mail to collect a debt that I do not owe. this has stopped me from renting housing, loan approvals, vehicles etc.
01/15/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IN
  • 471XX
Web Servicemember
I called Franklin Collection Services XX/XX/21 I spoke to Unit Supervisor - XXXX XXXX Threatened to report me as refusal to pay and make sure it stays on my credit report as negative. Refused to let me speak and voice my concern about this report. XXXX was rude and told me it wasn't her problem. The efforts of my call were for debt verification and she told me she would not help me with that.
11/02/2019 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • GA
  • 301XX
Web
The original dept was with XXXX for bill balance. The dept was sold to Franklin dept collections who contacted my parents who are not in good health to try to collect the dept. The dept has been removed from my report numerous times. Our service now is with XXXX. In my mind now this is just noise because XXXX paid the bill for us to move service to them. Please remove from report Thank You
05/09/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • TX
  • 77053
Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
01/04/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77082
Web
Franklin Collection has harassed me and added illegal information about owing a debt in the amount of {$170.00} to my credit reports. I have never made a agreement with this company for this service. As recently as XX/XX/2019, when requested documentation under FACTA law, I was ignored. I was provided no agreement, contract, or sufficient documentation in order to validate this debt as mine.
05/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75216
Web
I have a collection account reporting on my account that doesnt belong to me I have repeatedly disputed this with the bureaus and all bureaus have removed account except XXXX is stating account came back as verified but Im not sure how this is possible because I have requested proof of validation with my signature and have yet to be provided the information that they are reporting as correct
08/23/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • XXXXX
Web
Franklin Collection Agency has added a collection to my credit report that does not belong to me. I have requested validation without any response. I have never had any services with XXXX. I have been a resident of Illinois for over 15 years. This account does not belong to me. By reporting this information this is damaging my credit worthiness for an account that has never belonged to me.
07/12/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 631XX
Web
Franklin Collection is trying to collect a debt that originated from XXXX XXXX XXXX that was fully paid. I have no contract with Franklin Collection and therefore I owe Franklin Collection no sums of {$630.00} that Franklin Collection is attempting to try to collect of the behalf of XXXX XXXX XXXX. Please send me any contract with my signature and verification of the debt said to be owed.
09/22/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38016
Web
My complaint is with Franklin collection service inc from XXXX, ms referencing account XXXX I did not engage in business with this company XXXX XXXX. I did not do business nor agree to do business with them. The debt is in in the name of XXXX XXXX. This is XXXX XXXX debt. I attempted to explain this to both XXXX and Franklin collection service and they stated they wont change anything.
04/09/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 360XX
Web
I have told this company and XXXX XXXX XXXX several times that this debt was paid. I have made numerous phone calls and have forwarded the information showing this debt was paid multiple times. I have contacted both the creditor and the debt collection company multiple times. The creditor continues to send the debt to the collection agency and they continue to send me collection letters.
04/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 352XX
Web
I discovered accounts on my credit report that I do not recognize, These accounts do not belong to me. I have discovered that I am a victim of several breaches and identity theft. Someone has used my information and I have no idea who has done this. I want the accounts removed immediately! These fraudulent accounts are interfering with my credit worthiness and ability to obtain credit.
11/14/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35405
Web
Franklin Collcetion Services has been trying to collect on a {$650.00} medical bill ( all 3 credit reporting agencies have this debt on my credit reports ) when this was paid by XXXX and I have sent the claims and XXXX summary notices to Franklin. I also contacted the hospital who the debt was original from and they told me that they never sent a collection in that amount to Franklin.
07/01/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48198
Web
On XX/XX/XXXX, I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with Franklin Service Inc on XX/XX/XXXX, showing a balance of {$700.00}. Franklin Service Inc failed to respond to my validation letter with the requested information. The uploaded attachment is the mailed letter and correspondence from Franklin Service Inc.
06/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 352XX
Web
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me.
12/14/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 356XX
Web
Three letters sent by fax and USPS to Franklin Collections that have gone unresponded to. In the third letter, I even sent them proof of delivery via fax in XXXX and XXXX and the account is still being reported as of XX/XX/XXXX. They have not provided debt validation or assured me that my HIPPA rights were not violated. And as a side note shame on the bureaus for not responding!
12/12/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35810
Web
I have been disputing this account for quite some time. I am still waiting for it to be removed. I do not recognize this account and have asked XXXX for them and XXXX XXXX to verify account and send me documents verifying the account or to please remove from my report. Now they have added an extra {$18000.00} to the account. I would like to have this removed as soon as possible.
04/20/2023 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • LA
  • 710XX
Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
12/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 982XX
Web
Requested the accounting information for the account Franklin Collection Service alleged I owed. Also requested the contract or agreement to validate the alleged debt. None of this information was provided. The company has not responded to my mail correspondence and sent out a Notice of Presentment of an Affidavit of Fact. Company has failed to respond or rebut the Affidavit.
03/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29456
Web
Franklin Collection Services XXXX I called the company on XX/XX/2021 as I noticed the collection on my report to advise that it was not mine and I had no knowledge of account services in my name. I was advised to send an e-mail and to dispute online. I did those two things and filed a report with fcr. Account is still in dispute and investigating on all three credit bureaus.
06/26/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30331
Web
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. Disputed Item FRANKLIN COLLECTION SERVICE ( ADDRESS : XXXX XXXX XXXX XXXX XXXX MS XXXX ) Allege Amount Owed {$270.00} I have No knowledge of this accounts.
01/30/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90017
Web
There is a company, Franklin Collection, saying I owe {$250.00} and has popped up on my credit report. I do not know this company nor do I owe this debt. If this debt was valid, I would have received a notification that I owed this debt. I have not received anything in writing verifying I owe this debt or who this is owed to. This is not right nor legal and needs to cease.
02/13/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91006
Web
I keep getting calls from a debt collector ( Franklin Collection Services ) that claims that I have an outstanding balance with XXXX XXXX XXXX for internet service when the opposite is true. I have closed my account and I actually have a credit balance remaining. I have a statement to prove it yet I keep getting calls from this debt collector. Their number is XXXX or XXXX.
11/19/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 444XX
Web
Franklin collections has been reposting the same debt every two days with XXXX. I tried to contact them and was told they are posting a monthly check up, I sent proof they are hitting my credit literally every two days since XXXX and no one will answer me or even give me a working phone number to speak to a live person. I have only been able to make contact through email.
05/29/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92065
Web
XX/XX/2019 ; Reported to collections showing on my XXXX report. For last month, repeated phone calls to my cell phone and my boyfriend 's cell phone trying to reach me to pay a debt I do not owe. I have an open claim with XXXX regarding Franklin Collection Services XXXX. They have reported a negative balance and collections to my credit report six times in the last month.
10/28/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • MS
  • 39601
Web
It was not me dont know ware the bill come from having been to a hospital in eight years XXXX XXXX XXXX XXXX say I owe them I dont know ware they come up with that bill it worng for them to put it on me I dont owe them it was not me they have a collection on my report Franklin collection service {$100.00} its not me have no idea why it is on my report open XX/XX/2016
08/12/2017 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95687
Web
I have never heard of XXXX XXXX XXXX or have had any communication from them. They appear as a negative collection mark on my credit report. When I disputed the collection, the results came back as it was my debt but I have not received any information on what the debt was for. I have never heard of XXXX XXXX XXXX nor have I ever received any communication from them.
11/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33313
Web
The account has been reinserted onto my credit report after previously being deleted under a previous company XXXX with a report date of XX/XX/2021 in the amount of {$770.00}. This is a request as authorized by the FCRA. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions.
11/14/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 333XX
Web
I am an XXXX. A client XXXX. For some reason, the client 's XXXX account was put in my personal name. It was n't done by me. It was done by a family member of the XXXX. It is not my account, and never was. I have told them this multiple times. I told both XXXX and now the collection firm. I properly disputed the debt, but they keep sending me collection notices.
02/03/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95834
Web
XXXX XXXX XXXX in retaliation for cancellation of bogus services they attempted to provide me, falsely put this information on my credit report, {$150.00} a false delinquent payment. I cancelled this work order in less then 24 hours after ordering. A yearly review of my credit record, this information was discovered on my credit report to Franklin Collections Inc.
05/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44256
Web
XXXX XXXX XXXX is reporting a debt owed on my credit reports, however I have never had an dealing with them and do not owe them money. I have tried contacting with no response. I have not received any written communication. I want this removed from my credit report immediately. they have no business with me, and I refuse to deal with them any further. XXXX XXXX
06/03/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70433
Web
Franklin Collections Service keeps calling me and also put on my credit that I owe {$600.00} to XXXX XXXX XXXX for an appointment in XXXX, on the XXXX. I advised them that this is not my debt and its inaccurate and they still placed it on my credit and they keep reaching out to me and everytime I tell the representative that its not mine, they still say I owe it.
03/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78641
Web Servicemember
This debt is not mine. While " XXXX XXXX '' is my given name, this debt does not belong to me. The collection agency has never validated this debt. The collection agency can not prove that this debt is MINE and not that it may belong to someone who happens to share my name. This debt has been previously deleted who also erroneously placed it on my credit report.
03/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AR
  • 728XX
Web
My mother opened an XXXX XXXX XXXX XXXX XXXX internet account in my name. Keep in mind at this time I was only about XXXX or XXXX. I eventually had it removed by disputing it and the agency didn't ask any questions because I told them I opened it underage. But whether I say yes or no to opening something that requires you to be 18 or older. It's still illegal.
08/08/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30041
Web
i am writing about Franklin Collection services that i have been communicating with over the past couple of months with no reply and this is my second notice that i have sent them concerning this complaint on XX/XX/2020 and i am asking for your assistance in this matter of correcting the problem.i have attach the letter below of my letter that i have requested.
11/04/2017 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
  • AL
  • 354XX
Web
Pulled my credit in XXXX 2017 disputed 4 alleged debts with the credit bureaus that Franklin collection services were reporting that was appearing on my report.After i disputed them with the credit bureaus and they can back verified.I then sent Franklin collection services a validation letter for each alleged account by certified mail and they fail to respond..
05/30/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • DC
  • 20007
Web
Franklin Collection Serv ices did not properly notify me of a debt for a few months. When I heard from them in XXXX I called them. They gave me the address to dispute the bill. They did not allow me to dispute the bill and send it to my credit report. They say they wo n't take this off my credit report even though this is not a valid debt of just {$29.00}.
05/18/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30189
Web
I have disputed this debt with XXXX XXXX XXXX and debt was dismissed as they were unable to validate account belonged to me as I have been victim of identity theft. It seems as if Franklin has obtained the debt, despite it being previously dismissed and account was closed. I have not received any notification fro m Franklin nor validation of debt.
05/02/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 38801
Web
In reviewing my credit report in late XXXX XXXX , I saw a negative entry on my report from XXXX collection services. I sent a written letter to this company on XXXX XXXX XXXX asking for verification of this debt or a copy of my contract with this company. As of this date, Franklin Collection Services has yet to respond or provide proof.
05/29/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30141
Web
XX/XX/2019 debt of ( {$830.00} ) placed with a company known as XXXX XXXX XXXX. Ive never done business with this company and have disputed information such as this in the past on my credit report that came as a result of a merged files and/or identity theft. Other than my credit report, Ive never heard of this company prior to checking my report recently.
05/31/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MS
  • 38801
Web
I paid a old medical bill that had went to collections that my XXXX old daughter had got without my knowledge. By her being XXXX they said I was responsible for debt. Franklin Collection Service said they would have it REMOVED from my credit once I paid the {$1100.00} off. Its still showing on my XXXX credit report even after I filled a dispute with XXXX.
08/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OK
  • 735XX
Web Servicemember
I am filing a complaint against FRANKLIN COL because they are attempting to collect a debt that I do not owe them. Account Name : FRANKLIN COL, Account Number : XXXX I would like for FRANKLIN COL to removed the above account from my credit report because it has already been paid. This incident has been very detrimental to being able to obtain a house.
11/03/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43068
Web
So every few months I get some new collection agency putting a collection on my credit report. None of which have ever been mine. Ive tried contacting the companies and none of them have ever answered. Im only XXXX years old so none of these accounts can be mine. I have also never gotten any phone calls or emails concerning any debt owed in my name.
05/01/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60653
Web
I asked a particular bill collector ( Franklin Collection Agency ) to provide original documentation verifying a debt with XXXX on XX/XX/XXXX. XXXX is a part of XXXX XXXX XXXX, and I expressed to this collection agency in writing that I have already paid this bill. They are continuing to pursue an already satisfied debt which I will not pay again.
07/29/2015 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 39110
Web
It is true that an amount is owed for a medical bill, however the bill is greater than XXXX years old. I am told that the bill should only stay on my credit report for XXXX years and then drop off. I called the collection agency to confirm the date and they placed a date on the bill as if it were made very recent. Is this possible can they do this?
05/10/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MS
  • 39759
Web
I have sent validation letters to this company and all they send .is an itemized bill/statement with no contract or paperwork bearing my signature. Plus, they refuse to send any paperwork with a HIPPA release letter. This is being reported on ALL my credit reports in a negative/derogatory way and I would like it removed immediately.. File # XXXX
11/09/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 293XX
Web
A collections agency XXXX XXXX offered an resolution of debt authorized by client with a lump sum settlement of XXXX %. I paid this to protect my credit. Some time later another company Franklin Collections Services wants the remainder of the balance. I sent Franklin a copy of the settlement statement from EOS and proof of payment with no resolve.
11/13/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33186
Web
Two XXXX XXXX XXXX accounts appeared in my name that I never knew about the same time I made a fraud report and sent them to the company, even after a year they still bother me because they sell the account to a and another collection company and I do not know what to do, I sent several disputes with the relevant documents and nothing is resolved
03/20/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77590
Web
Contacted both companies on XX/XX/2018 and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies
08/10/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 39042
Web
This company has been notified that they have violated the privacy laws. This is a violation of HIPPA. They have also not responded to any of my request. These are major violations of the FCRA, FDCPA. No one has provided me with a signed authorization to release any of my personal information nor my medical information to any collection agency.
08/10/2021 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
  • TX
  • 77064
Web
This debt was settled with XXXX XXXX XXXX. Yet Franklin Collection refuses to remove inaccurate information from my XXXX Credit Report. Please contact the reporting agencies inform them that the debt is disputed and advise them to delete it from my credit report. Failing to report information correctly, violates the Fair Credit Reporting Act.
05/03/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35020
Web
{$350.00} Ive disputed this account several times asking for validation at this time Ive only been sent an itemized letter in response, no documentation bearing my signature was provided as requested by neither the creditor or credit bureaus. At this time I am seeking legal counsel for this matter as it gendering my success in building credit.
03/31/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30265
Web
I did not receive this service that I am being charged for. I attempted to contact this business to dispute this, but they had gone out of business. I was referred to this agency for XXXX, but they closed business before providing me with the service required. They were not very business minded. This is probably why they went out of business.
06/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76039
Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
10/09/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • MS
  • XXXXX
Web
On XXXX the first I contacted franklin collection agency to settle my collection when I contacted them they stated that the account was pending to post to my credit report they also stated that if I settled the account for 70 percent of what i owed which was XXXX that said that they would not report the collect to the credit reporting agency
08/08/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32712
Web
This debt is not mine. I have had this debt show up previously from XXXX with another collections company in which I disputed the debt and was it was removed and never validated. Now it has been sold to another collections company and the debt is not mine and has not been validated at request. Please remove debt or send proof of validation.
03/23/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 292XX
Web
I receive multiple phone calls a day from Franklin Collection Services attempting to collect a debt from a XXXX XXXX. I have no idea who this person is and each time I ask to have my number removed from their call list. I am told that they are removing my number each time, but just receive phone calls from a different number the next time.
11/10/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • LA
  • 703XX
Web
Why didnt the hospital send me a bill on this amount of XXXX I never received and bill or a past due notice about a XXXX bill if I had it would have been paid but due to their negligence I never received a bill nothing at all about this so they send it to collections totally wrong on their part ruining my credit for again their negligence
06/20/2018 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • AL
  • 35215
Web
This debit collector is in violation of Hipaa Act of 1996, by sharing detail information of a medical procedure. Facing fines up to a {$1000.00}, payable to me. Even possible jail time. I contacted them for the last time XX/XX/2018. I asked them to remove and they refused. I have forwarded all necessary documention to support this claim.
12/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 32210
Web
This company claim that I paid them. I have never conducted any business with Franklin company. I have never paid them any funds on behave of XXXX. They can not provide a receipt stating the correct date I paid XXXX or who accepted the payment from their company. They also added the debt after the date that I allegedly paid them to XXXX.
09/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95746
Web
XXXX XXXX XXXX mistakenly sent a balance that I did not owe to Franklin Collection Services. I satisfied the balance as a sign of goodwill because this account has dramatically impacted my credit and financial well being. Upon satisfying the balance, I was told verbally that this account would be deleted from my credit. Please delete.
07/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76549
Web
Franklin Collection Service has failed to provide proof that I indeed owe this debt. They still report it to the credit bureaus without proof that I asked for. They are violating my Fair Debt Collection rights. Please remove this debt because Im never going to pay it. I do not owe it. Plus I was affected by natural disaster Covid 19.
11/19/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • TX
  • 77396
Web
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX never notified me of attempt to collect a debt. This company is saying I owe {$XXXX} and the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
04/11/2020 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • GA
  • 302XX
Web Servicemember
FRANKLIN COLLECTIONS ' SV HAS VIOLATED MY RIGHTS AS A CONSUMER DEBT NOT MIND SENT A LETTER 'CERTIFIED MAIL, REQUEST VERIFICATION VALIDATION, LETTER DATED XX/XX/2020 SIGN CONTRACT STATEMENTS FRANKLIN COLLECTION 'SV NEVER COMPLIED WITH LETTER AND STATED THEY DO NOT HAVE THE ORIGINAL CONTRACT AND SIGNATURE VIOLATED MY CONSUMER RIGHTS.
02/14/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
05/09/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35758
Web Servicemember
Franklin Collections i n XXXX MS.. XXXX hospital {$210.00} ... informed her that I could n't pay until later thus month and she told me that they needed a payment this week, that they could n't hold it any longer. Then she asked me for my address. So I hung up. Next representative was rude as well and hung up on me.
07/26/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33437
Web
Despite at least XXXX separate attempts at disputing a collection account with Franklin Collections, they continue attempting to collect an account for XXXX XXXX XXXX XXXX. The original account was cleared by the original creditor as a result of fraud. The collection account was must also be cleared as fraudulent in nature.
05/29/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • CA
  • 92021
Web
Collector contacted me during inappropriate business hours. I was contacted at XXXX XXXX which is a violation of my rights under the FDCPA Practices Act. When the collector was advised of the call time, he stated that because it was XXXX XXXX in his state, that he in fact had a right to contact me in California at XXXX XXXX
09/10/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70454
Web
I went to an urgent care to get my back checked out. The place happily took my {$50.00} copay and saw me for 2 whole minutes. I was told there was nothing the doctor could do for me and sent me along my way. Then they repetitively called me telling me I owed money when they didn't provide a service to me as an urgent care.
03/19/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KS
  • 66604
Web
Account opened by my wife for XXXX was put in my name, sent to a collection agency ( XXXX ), was removed after disputing ownership of the debt, have since been contacted by a XXXX collection agency on behalf of XXXX still claiming the debt is mine after having disputed it previously with XXXX & the other collection agency.
03/22/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • XXXXX
Web
I notice a new collection on my credit report that I have not received validation for. Please provide me with a contract or instrument bearing my signature that says I am responsible for a debt with your company. I do not want anything sent in the mail. I prefer everything to be submitted and uploaded via the CFPB portal
02/04/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94132
Web
Charge was through recurring ACH charge for phone bill. I called and terminated the service over the phone. Company continued to charge, I called repeatedly to terminate the charge, charge was finally terminate 3 months after the original call but I am being charged for 3 months after I originally terminated the service.
04/19/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35950
Web
In accordance with the Fair Credit Reporting act FRANKLIN Collections SV Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
06/22/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 703XX
Web
Upon checking my credit file Ive noticed a company named Franklin Collection Svcs Inc has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from Franklin collection Svcs to be removed from my credit file.
11/18/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32609
Web
FRANKLIN COLLECTION SV is trying to collect a debt that was the result of Identity Theft. I've sent a letter to them and have yet to hear back from them concerning this debt that is not mine. I am asking for your help to resolve this matter so that I can continue with my credit not being effected by this information.
11/30/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 356XX
Web
The hospital reported a debt I have paid to the credit bureau. I have a copy of the check which the hospital cashed on XX/XX/2016. This hospital uses XXXX XXXX for in house work then bills from the hospital ; it, the account # starting with XXXX tells it from the XXXX. I have a copy of the paid bill I will submit.
09/13/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • XXXXX
Web
On XXXX XXXX and XXXX XXXX, XXXX I sent Franklin Collection Service a request for validation of an account they say I owe from XXXX XXXX XXXX. Franklin Collection Service has not respond to both request for validation. Franklin Collection Service placed this collection on my XXXX, XXXX, & XXXX files in XXXX XXXX.
08/27/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KS
  • 66061
Web
I was billed incorrectly by XXXX for a modem/router I returned after canceling their XXXX service in favor of XXXX. Despite submitting video and photographic proof to XXXX, XXXX sent the bill to debt collections via franklin collection services inc. I was aware of this scam and documented my return of the device.
08/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 323XX
Web Servicemember
I have tried time and time again to contact this collection company, I could never get through to talk to someone to ask WHY this debt is still showing NOT PAID on ALL XXXX of my credit reports AFTER have paid you in full for this XXXX XXXX XXXX XXXX. I could never get through to talk to a customer service rep.
06/14/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77017
Web Servicemember
The debt reported by the collection agency was removed by XXXX from a previous dispute. this company has also reported the same item on my credit report repeatedly on. XXXX /2017, XXXX 2017, XXXX /2017, XXXX /2017, XXXX 2017 and XXXX /2017. I want these items and collecti on removed from my credit report
04/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32926
Web
XXXX had a special that they will buy out of contract with XXXX XXXX to come over to them and they took all the info was needed and still direct tv charged me also sent me a slip to be shipped off to print out to send the equipment back and I did thru post office and they are saying they never received it
07/15/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 394XX
Web
on XX/XX/2021, i sent FRANKLIN COLLECTION SERVICE, INC a letter asking for the validity of the alleged debt of {$200.00} that i do not owe. i haven't received anything thus far and it is causing me XXXX and XXXX because i get anything with my credit. i have attach a copy below of the letter for my record.
06/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29730
Web
I made a payment to Franklin Collections XXXX on XX/XX/2020 of a settled balance of {$430.00}. They marked it paid in full, but never closed the account and deleted it like it should have been. This is still hurting my credit tremendously, and I wish for it to be removed since I settled the debt with them.
08/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 389XX
Web
In According to the fair credit reporting act XXXX account XXXX XXXX XXXX has violated my rights. 15 U S C 1681 section 601 A section 1 states I have the right to privacy. 15 U S C 1682 section 602 section 2 also states a consumer reporting agency can not furnish account without my written instructions.
01/17/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75211
Web
FRANKLIN COLLECTION SERVICES purposely damaged my credit and caused me harm in order to get money from me that's not owed them. I don't owe XXXX to FRANKLIN COLLECTION SERVICES and was not given the opportunity afforded me by the FDCPA to dispute the claim until after it was placed on my credit report.
12/14/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35613
Web
Between XXXX to XX/XX/2020, I have written to Franklin Collection three times asking for debt validation and proof that my HIPPA rights were not violated in their purchasing or being assigned this alleged debt. They have not responded and at this point, after 6 months it's time for this to be deleted!
09/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 71203
Web
A second creditor ( Franklin Collection a service ) is trying to collect a debt from XXXX disputed this account over a year ago and was removed from previous collection agency. This account does not belong to me, after investigation, it was determined this service was at an address I had never lived.
12/14/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 71457
Web
Franklin Collection Services XXXX XXXX XXXX XXXX XXXX, MS XXXX This company is not authorized to collect debt in Louisiana. I asked the company to verify the debt and they sent a hospital bill. I 'm requesting validation that the debt belongs to me and also proof of license in the state of Louisiana.
11/06/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37013
Web
I am a victim of identity theft and recently discovered that the person who stole my identity apparently defaulted on his obligation under my name. As a result this debt collection company has placed this item on my credit. There is no way that I opened this account up b/c I was in prison at the time
06/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OK
  • 748XX
Web Servicemember
I paid {$90.00} to Franklin collection services, inc. via the pay online feature of their website. Since Id never received mail from them, I did not have an account with them. In the account field, I put my SSN. Franklin saying they have no record of my payment because I did n't use an account number
08/10/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36532
Web
I have a collection on my XXXX credit report. When I sent Franklin Collection Services a letter about it they sent me a letter for the item listed. It has the last four of my SSN but the name on the debt does not belong to me. I want this removed immediately. Please see all attached docs. Thank you.
06/04/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 35244
Web
Franklin Collection Service continues to report a bogus medical bill on my credit reports. Consumer has disputed this item for almost three years. Franklin Collection Service does not respond to my continued e-mails regarding the validity of this bill. Medical bills are handled by my insurance plan.
04/15/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95350
Web
On XXXX/XXXX/15 I cancelled my internet service with XXXX. In XXXX, XXXX, XXXX & XXXX I called XXXX due to bills received that did not reflect the final balance. Since then XXXX has sent my account to collections. I do not owe {$130.00}, my bill should not have been more than {$30.00} or {$40.00}.
05/24/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 354XX
Web
Franklin Collections have put an alleged debt on my credit which i have no knowledge of. This alleged debt has already been paid to another collector who the account was sold too. So i cant owe the same debt twice. The document that is attached is the debt collector who ive made payments too.
10/11/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Can't close your account
  • MI
  • 48093
Web
Somebody has my identity to open up account without my autherization. my birthdate was used same with my ssn. Franklin Collection SV i did not open nor had a account with them. The account number is the last XXXX XXXX and XXXX. The phone Number Is XXXX. Address XXXX XXXX XXXX XXXX, XXXX, MS
11/12/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • 30274
Web Servicemember
I recently had a debt with Franklin Financial. I was arranging to pay the debt and have it deleted from my credit. The representative was very rude and begin to belittle me. I am a veteran of the XXXX XXXX XXXX and this is hindering my home purchasing process. The debt has been paid in full.
01/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78414
Web
Saw new charge in my account from XXXX XXXX reported by Franklin charge {$120.00} that was placed in my report when ask they say it was debt on XX/XX/XXXX the had place as new account openedXX/XX/XXXX I have no knowledge of {$120.00} with debt that was suppose to have been from XX/XX/XXXX.
02/12/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 78228
Web
On XX/XX/2021 approx XXXX XX/XX/2021 approximately XXXX ( after this call I asked them to find the right person, I just ported this phone number 4 months ago ) XX/XX/2021 XXXX they called again, however I have number blocked at this point ( XXXX ) XXXX is the number that CONtinues calling
07/14/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • CA
  • XXXXX
Web
On XX/XX/2021Franklin Collection Service called about XXXX XXXX, I said that item has been taken care of and I have specifically said to not be harassed about it anymore. The Represenative told me to go XXXX myself. I am represented by an attorney, no lawsuits have been filed as of yet.
06/08/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76006
Web
I have repeatedly requested verification and validation of this account with noresponse from the data furnisher. i have also sent in notices and a copy of my FTC identity theft report to advise them that this is a fraudulent account yet they are still reporting it to the credit bureaus.
10/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33870
Web
I received a collection notice about a month ago and I responded to advise the collection agency that the debt was not mine and is a result of identity theft. The debt is disputed, not owed and stop collection attempts. The agency sent me another collection notice dated XXXX XXXX, 2016.
10/18/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MN
  • 553XX
Web
On or around XXXX XXXX, an collection hit all 3 credit beaus with an account that is not mines and I have been a victim of identity theft in the past and has been working really hard to keep my name clean. The amount of this collections is {$490.00} and originates from XXXX XXXX XXXX.
04/27/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 380XX
Web
Franklin Collection Service has reported a collection to the credit bureaus. They are alleging that I owe {$540.00} to XXXX, the supposed original creditor. I've never had services with XXXX. They placed this erroneous debt on my credit report which is tarnishing my credit worthiness.
08/13/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92102
Web Servicemember
FRANKLIN COLLECTION SERVICE report a debt of {$970.00} from XXXX. Debt has been removed from my credit report multiple times from different collection agencies but re-opened with agencies for years. FRANKLIN COLLECTION SERVICE has now opened the account again but refuses to close it.
07/21/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48235
Web
I have been contacted by Franklin collections Agency, I have tried to work this debt that belongs to a family member out with them, but they refuse to comply back. I have sent validations letters, cease to delete letter and a pay and deletion letter still no answer back from company.
04/25/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
i have disputed this account multiple times with this collections agency. they have refused to provide documents to show any information regarding the origins of this account and have been extremely uncooperative. this account does not belong to me and I want it deleted immediately.
07/21/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30349
Web
I have disputed the Franklin Collection account that is reporting either in error or as a result of identity theft on my credit file many times. I have not had any success getting this matter rectified. So, I am asking for your assistance in getting this matter resolved and removed.
04/14/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19139
Web
I received a notification on my credit report about collections. I do not know the company nor the debt they are asking for. Someone was able to use my name and information for an account somewhere. I have never lived nor visited the place where the said collections is coming from.
09/13/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 63033
Web
This debt appeared on my credit report. No information ha been received as for the debt, it was previously reported for XXXX with another collection and it was verified - is a nee company Franklin collection has not informed of debt on my credit.. no written documentation or bill.
04/02/2015 Yes
  • Credit reporting
  • Credit reporting company's investigation
  • Problem with statement of dispute
  • TX
  • 75126
Web Servicemember
Franklin Collection Service , INC . Stated that I owed XXXX XXXX for internet services ; however, I never used XXXX for internet services. They have since reported the charge against my credit score XXXX. I sent them a written dispute, but never received follow-up correspondance.
04/27/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • XXXXX
Web
I paid this with my XXXX XXXX XXXX XXXX. I have proof with the check that was sent to this company and its still on my account. I owed XXXX XXXX XXXX, and they sold my account to Franklin Collections. They say we didnt and i can upload it and they can talk to my banker as well.
06/08/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OR
  • 97060
Web Servicemember
I have been contacted different times with different amounts from this company about an XXXX XXXX XXXX bill. I have asked them to provide me with some type of official documents that proofs the debt is my. They havent done that and will not remove this from my credit report.
07/15/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • XXXXX
Web
I have never dealt with this company claiming I owe a debt to them of {$460.00} and {$86.00}. I have written letters to the company asking for verification of any information bearing my signature that states I owe their company. They have yet to provide me this information.
05/09/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33435
Web
I do not know who these people are. The phone number that calls me incessantly is : XXXX. They are calling about a debt owed by XXXX XXXX. I told them I wanted the phone calls to stop and they said " we are a business maam. ''. '' Meaning they are going to keep calling me.
09/12/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53223
Web
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
02/03/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 21157
Web Servicemember
I have not heard from this collection company about this issue and I have not been able to resolve this. I ca n't get them to contact me after inquiries to their website. If I ca n't contact them, I ca n't resolve this issue. Franklin Collections is damaging my credit.
06/08/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 447XX
Web Servicemember
I recievely had my credit pulled, and was informed that I had collection with Franklin Collection Services for an XXXX account that I never had. I never recieved anything from Franklin Collection regarding the debt, verifying the debt or proving the debt was mine.
06/17/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Called after sent written cease of comm
  • AL
  • 35630
Web
The debt collector called me at my place of employment. I notifyed them I can not take such calls at work and provided a cell phone number. I called back on my cell phone and notifyed them that there is no debt to be paid because the medical bills were paid by insurance.
04/18/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 357XX
Web
I have requested debt validation from Franklin Collection Services for a medical debt of {$210.00}. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have not gotten a response. This debt is not owed by me. There is no contract shown that I owe this debt.
09/27/2018 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 35405
Web
I have no knowledge of the medical bills thats reported on my credit account! Ive had medical insurance for years so I dont understand where these bills are coming from. I tried to fix the problem but they told me to just file a claim with you all to have them removed.
03/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79912
Web
Franklin Collection Services XXXX XXXX XXXX XXXX. XXXX, MS XXXX Date :XX/XX/2020 Amount : {$1200.00} I disputed and it still in my credit report this debt is not mine and I demand be taken off my credit report if its not taken off I will file a complain to the CFPB.
07/21/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 386XX
Web
XXXX XXXX XXXX is reporting an account as paying in collection. I was told by the company they would not report to the credit bureaus if I paid as agreed. However, they have not honored that agreement and is reporting I am late on payments. I havent missed a payment.
07/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90057
Web
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
04/21/2015 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77459
Web
Dear Sir or Madam, I have contacted this company Franklin Collection Services and ask this company to removed there negative report from my credit report however they stated that there was nothing they could do to help me. this is not a debt I own to this company.
04/28/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 367XX
Web
This company never contacted me about this debt or gave any information as to what the debt is for. They are filing it to the credit bureaus daily. XX/XX/1923, XXXX, XXXX, XXXX This company has an employee that doesnt like me and is abusing their job privileges.
02/07/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44118
Web
I received my credit report and noticed an unverified debt lingering on my credit report. Disputed with the three major CRA 's as of YET ... to no avail. I've never done business with Franklin Collection. This unverified account has attempted to ruined my life.
05/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NE
  • 681XX
Web
A collection account was removed from my credit report from Franklin Collection Service. My credit score did not increase at all for the removal of the collection account from my credit report. This should have increased my credit score by at least 23 points.
07/07/2021 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30058
Web
THIS COMPANY CALLS ME REPEATEADLY EVERYDAY ALL DAY HAS PUT THE SAME ACCOUNT FLAGS ON MY ACCOUNT MUTIPLE TIMES BRINGING MY CREDIT DOWN TO NOTHING Franklin collection is reporting collection multiple times days away from each other as if its a new collection
03/09/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29455
Web
I do not have a contract with Franklin Collection Service. I am not liable for this collection due to not having a signed contract with Franklin Collection Service. I am not responsible for this debt. Please remove from XXXX, XXXX and XXXX credit reports.
11/30/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37013
Web
I have a collection with Franklin Collections Services on my credit report saying I owe money. I don't owe any money to this company. I paid the XXXX XXXX XXXX directly so I don't know why they put this on my report. I disputed this and it's still listed.
11/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • AL
  • 35215
Web
Franklin collection is reporting collection multiple times days away from each other as if its a new collection.I requested to have this debt validated as I advised them and the credit bureaus that this is not my account and have never had this account.
04/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 21206
Web
This company I have never heard of or heard from is continuously reporting on my credit report that I owe something that they have yet to prove that I owe or that I have owned. Account number reported on credit report is something they do n't recognize.
06/08/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • XXXXX
Web
To Whom it may concern I have received information regarding a debt that is being claimed against me. Through my rights in accordance 15 U.S.C 1692g FDCPA violation. They failed to send me required and requested documents to validate this alleged debt.
06/15/2017 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
  • FL
  • 33409
Web
I never signed an agreement with this company and when I tried to settle the debt, the collector did not negotiate a price I could afford monthly! She told me I had to make an upfront payment to be able to schedule an affordable payment on XXXX XXXX
08/13/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 932XX
Web
I have these on my credit report reporting on my collections. I have two exact same amount from XXXX and FRANKLIN COLLECTION SERV. I never got anything in the mail or was contacted about this. I am not sure how old this is or if it even belong to me.
03/30/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • XXXXX
Web
an account has been reported to my credit report again that has been previously removed by other collection agency 's once they verified that this is not owed by me I spoke to a supervisor and he was not helpful when i told them to verify it with XXXX
03/05/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 364XX
Web
Franklin Collection Services showed up on my XXXX credit report. With the law that just passed. Medical debt under {$500.00}. Can no be reported on any credit report. I am going to sue Franklin Credit Services. For reporting debt that is illegal.
11/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • IL
  • 604XX
Web
I had already submitted a claim. Here is my claim number : XXXX. I am adding additional information that was received after the claim was submitted. Franklin Collection Services issued me a deletion letter. Thank you for your help in this matter.
12/09/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 086XX
Web
I requested that this company verify the debt and they did n't send me any valid documents to support this debt. I also asked them to prove that they 're licensed to collect debt in NJ and they are not legally able to collect debt in this state.
10/12/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • SC
  • 29483
Web
I called Franklin Collections on XX/XX/2021 about a dispute and the representative failed to state the FDCPA. I called to inquire about having a debt removed once paid and at this point since she violated I shouldn't be held responsible for it
09/24/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90020
Web
Franklin Collection Services is attempting to collect {$280.00} dollars from me for something from XXXX XXXX XXXX but I have never had anything from XXXX XXXX XXXX.I disputed with XXXX but they unmediated resolved the dispute saying I owe it.
09/04/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35811
Web
Franklin service inc opened a collections on credit report for an XXXX XXXX XXXX account that was paid off in full 2 years ago that showed up on credit reports on XX/XX/XXXX for {$160.00}. I filed a dispute with XXXX who it first appeared on.
04/24/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • XXXXX
Web
I sent a debt validation letter to Franklin Collection Services XX/XX/XXXX. They responded XX/XX/XXXX saying that " per my request here is a copy for a final bill '' ( See attached ). That is NOT sufficient validation of me owing the debt.
03/13/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32536
Web
I had negotiated a " Pay for Delete '' with this company FRANKLIN COLLECTION SERVICES, and they not only didn't delete the collection from my credit file, but they continue to report the debt monthly even though it was paid inXX/XX/2016.
03/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • 39759
Web
I have submitted several letters to XXXX showing them that this account was closed by the reporting debt collection company and they refuse to take it off my credit report. XXXX and XXXX have deleted this account off my credit report.
02/14/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39212
Web
XXXX XXXX is a prepaid medical provider you must prepay before any services or rendered. I have records of me paying 160 because they do not take medicaid.They both my report as closed and the collection is reporting derogatory closed.
09/11/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 31520
Web
FRANKLIN COLLECTION never mail a collection letter. Also, the company place a collection trade mark to all my credit reports. Refuse to validate the trademark. FRANKLIN COLLECTION SV Original creditor : XXXX XXXX Amount : {$180.00}
05/20/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35805
Web
I called them I think XX/XX/XXXX or XX/XX/XXXXsomewhere on them dates they said I had to call XXXX and get the dates of the inquiries they said they couldn't do nothing about it they attempting to collect the wrong amount of money
12/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 39501
Web
i wrote them on XX/XX/2018 about this inaccurate account which states that my account has been closed with 60 days late payments, haven't heard from them them concerning this negative item on my credit and i would like it resolve.
08/17/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MS
  • 38671
Web
Trying to collect an XXXX phone bill that I never had. I went through this a year ago with another debt collector. This charge had been attached to my credit report but was expunged by XXXX. I do not want to go through this again.
09/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89015
Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
07/11/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43219
Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
09/14/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • OK
  • 73018
Web
Franklin Services calls 2-3 times daily and exceeds the 7 calls in 7 days WEEKLY. I dispute this debt on a monthly basis with a credit reporting service and they flag my account just as often in a harassment tactic. Please help.
05/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37921
Web
Franklin collections is trying to collect a debt for XXXX which is not my account. It is fraudulent account! It appeared on my credit report as a collections I have disputed it through the creditor but have heard nothing back.
11/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MI
  • 48035
Web
i have submitted multiple complaint letters to franklin collections & all credit companies that this is a error. they still have not brought my dispute a resolution. they failed to send me any response in regards to this issue
02/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 398XX
Web
I was contacted via cell phone. I was addressed by the wrong name. I was accused of owing for a XXXX XXXX account. I explained to them that I have never had XXXX XXXX. He kept disputing with me and I hung up the phone on him.
11/07/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • XXXXX
Web
XXXX XXXX SOLD TO FRANKLIN COLLECTION SERVICE, INC CASE NO.XXXX, CLIENT NO.XXXX IN THE AMOUNT OF $XXXX AND SENT TO 9 OTHER AGENCIES ALL COLLECTING A FRAUDULENT ACCOUNT.YOU ARE IN VIOLATION OF THE DODD-FRANK ACTS.O.L. EXPIRED
04/02/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 392XX
Web
On XX/XX/2020 I sent a validation of debt letter to Franklin Collection Services. In response I didnt receive proper debt validation. So I am requesting this be removed from my credit report as this is a violation of hippa.
10/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AR
  • 72032
Web
Debt collector called me at work demanding money for a past bill. Two other employees heard what happened. This is an illegal practice in the State of Arkansas and outside of the statue of limitations for the debt as well.
11/23/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33511
Web
THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
09/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37042
Web Servicemember
I have an erroneous collection report from XXXX that continues to show on my credit report. I have written the collection agency about this item and they do not show an active or closed account with this information.
01/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 350XX
Web
While reviewing my credit report on XXXX XXXX, 2020, I discovered that there are inaccuracies on all three credit bureaus. I have filed a report with the federal bureau and the company, but it has not been resolved.
06/23/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60448
Web Older American
On XX/XX/XXXX, Ive submitted the form given to me by Franklin collection services to contest the charge and receive documentation. I have not received anything back, they have put it negatively on my credit report.
03/27/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92835
Web
I received a collection notice from : The collection Firm or Franklin Collection Services, INC XXXX XXXX XXXX, XXXX, MS XXXX, XXXX. Attempting to collect on an aged satisfied balance account with XXXX XXXX XXXX.
11/05/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 380XX
Web
Franklin Collection has placed a collection on my credit profiles claiming that I owe {$140.00} to the XXXX XXXX XXXX. I have never been to that medical facility in my life and I'm not familiar with it at all.
07/07/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 775XX
Web Servicemember
Debt was owed but taken care of and dropped off of my credit report. 2 months later it reappears by XXXX XXXX XXXX. Tried to contact but no answer. Has terrible reviews of malpractice and fraudulent activity.
02/25/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 890XX
Web Older American
this is a hospital bill that the va should have paid but they ( XXXX ) did not bill properly or in a timely fashion. The XXXX in XXXX, Tn. sent me to the er. the hospital tried to bill the XXXX a year late.
06/24/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 171XX
Web Servicemember
Franklin Collection services have placed a collection debt on my credit report with XXXX XXXX and XXXX for XXXX XXXX. when I spoke with them I asked them to provide proof they told me to contact XXXX XXXX
03/07/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35803
Web
Franklin Collection Service reported debts to the credit bureaus without notifying me or giving me a chance to verify the debt and/or pay it off. I contacted them concerning this. It happened again today.
07/17/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 24073
Web Servicemember
I left XXXX XXXX XXXX in XXXX VA IN XXXX of 2018. We had free XXXX XXXX and now I have a bill I know nothing about. Now Franklin Collection SV wants {$94.00} and flagged my credit reports for a bad debt
05/16/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 24019
Web
There is a derogatory remark on my credit report stating I owe {$120.00}. I fo not recognize this charge, and my credit record has been impacted by this collection without the benefit of being contacted.
05/13/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33056
Web
Debt collector repeatedly calling my phone about a XXXX XXXX XXXX account that i dispute with the credit bureaus that another debt collector put on my credit report. that was deleted from my reports.
10/11/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 318XX
Web
I paid the bill in hopes to get it back but they said I 'd have to pay a different installation fee and to send the equipment back so I wo n't be charged for it but they never removed the charges!!!
05/05/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 64138
Web
I spoke with this company several time about the debt was paid before this collection agency picked up this debt. Then I asked them to remove the negative ite that is reporting on my credit report.
03/30/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 36301
Web
I do not remember this debt at all. I 've asked for verification numerous of times and have n't received anything yet. I do not believe this debt is mine because of the difficulty of verifying it.
06/05/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MS
  • 39042
Web
Constantly receiving calls from Franklin Collections, multiple times a day. Every time I answer they hang up. I call them back, and they wo n't tell me who they are, then proceed to hang up on me
02/24/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 38801
Web
On XX/XX/ I pulled my report to see a medical debt from a collection agency from Franklin Collection SV in the amount of {$470.00}. This is not mine and I believe i am a victim of identity theft
01/05/2021 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MO
  • 641XX
Web
XXXX XXXX XXXX XXXX released my information to Franklin Collection Services for the amount of {$110.00} and {$550.00} on XXXX XXXX. I wasn't notified by XXXX XXXX XXXX XXXX that I owed anything.
12/01/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 455XX
Web
I receive 3-4 calls daily and when I answer they hang up. This started in XXXX XXXX,2017. They have changed numbers several times and I 've blocked numerous numbers that belong to this company.
04/12/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Personal information
  • LA
  • 703XX
Web
This is not my account. I contact to Franklin collection and they have the wrong Ssn .I also contact the C B and asked them to verify my ssn with Franklin collection and they failed to do so.
11/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48340
Web
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.
05/13/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • AR
  • 72211
Web
Multiple agents calling from unknown numbers are harassing me about a XXXX bill and reporting to my credit. They are know to be fraudulent and are also cursing at me and calling at all hours
07/07/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • LA
  • 70737
Web
Franklin collection shows I owe {$1300.00} on an account opened on XXXX for north Mississippi ambulatory. I was not even living in north Mississippi at the time this account was opened.
07/27/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77571
Web
I do not have a contract with Franklin collection. I am not liable for this collection due to not having a signed contract with Franklin collection. I am not responsible for this debt
07/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91745
Web
Contacted XXXX to file a dispute on a collections agency that is fraud. XXXX called back, but the call sounded fraud as the person asked for personal information and then hung up.
04/12/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 75227
Web Servicemember
XXXX sold a old debt that appears as a new delinquent account which violates my fcra rights after constant contact these companies refuse to remove or update inaccurate information
04/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 275XX
Web
I checked my credit report and found Erroneous accounts and inquires which are not mine, as I have been a victim of ID theft. This needs to be removed from my credit report asap
10/12/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 32725
Web
I never received a letter reflecting that i owed anything to this company. I settled and paid 50 % to get it off my credit report. But they said they would not delete the item.
10/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78411
Web
Disputed an unknown collections account from a company I have never been credited with. Disputed and was somehow verified. Now they are flagging my account every 3-4 days ...
10/15/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 76135
Web
Franklin Collection Svc XXXX XXXX XXXX XXXX XXXX, MS XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.
09/05/2017 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
  • MS
  • 39759
Web
Medical bill that was already paid. I tried getting a loan to refinance my home and it show as not paid. I called the collection agency and they had no record of me owing.
08/23/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NC
  • 27405
Web
My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report.
06/06/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 39056
Web
Franklin Services , Inc furnished an alleged debt on my XXXX, XXXX, and XXXX credit report which is illegal & a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ).
02/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MS
  • 394XX
Web
Things that are fraudulently list many different ways on each credit report. This Franklin is list numerous of ways on my credit and has been removed only from XXXX.
10/10/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92173
Web
Franklin collection company is reporting a debt, even they are not licensed in the state of California, and requested original purchase agreement and got excuses.
05/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 752XX
Web
ATT account was paid in full in 2019 to original creditor. Surprisingly it was sold as an unpaid debt to XXXX XXXX agency.. This was paid in full by debit card.
03/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • OH
  • 43615
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
04/16/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 55446
Web
Franklin Collection Service XX/XX/2014 Contacted Franklin Collection to ask them how do i owe this bill was never given a reason as to how i owe this balance
07/19/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OK
  • 73159
Web
XXXX offered service. Never connected service in my house. I cancelled appointment to connect service. XXXX unfairly charged me for services I did not use.
03/03/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77073
Web
FRANKLIN COLLECTION SV is claiming that I owe them {$920.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
04/12/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30296
Web
this debt is with a company im unaware of ever dealing with when contacted they could not show proper debt validation and is in violation of the fcra
05/10/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • GA
  • 30311
Web
I have received multiple calls after XXXX. They occurred at the times and dates below XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXXXXXX XXXX
01/21/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30046
Web
upon checking my credit report I see a collection account with this company. I'm requesting a debt validation request! please read attached letter
08/19/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35810
Web
My son went to the hospital and they used old information in the computer.I haven't been there and he has not been on my insurance in many years.
01/09/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93725
Web
I'm a victim of identity theft and i think my neighbors must have opened an account using my name because it's linked to the address nextdoor.
11/15/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • XXXXX
Web
This account has continuously been reported by the collection agency XXXX.. The medical bill was payed off and the agency agreed to remove it.
03/05/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 302XX
Web Servicemember
I've tried explaining to this company, the information that is reporting on my credit report isn't mine and I sign my name as XXXX XXXX XXXX.
11/15/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • UT
  • 84070
Web
I tried to dispute the debt because I do not know of it. I was able to get it removed from my XXXX, but they will not remove it from my XXXX.
03/22/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95695
Web Servicemember
XXXX sent me to collections with Franklin Collection Services based on a {$25.00} debt I do not owe on an account I closed over a year ago.
12/28/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27587
Web
Received notification from debt collector advising of debt owed. No validity of debt owed by me. This company is in violation of the FCRA.
10/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TN
  • 380XX
Web
I filed a dispute in regards to the incorrect items on my credit report. It has been way past 30 days and I have not received any updates.
03/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 441XX
Web
The equipment has been returned. It went from one collection agency to another once the account was verified as receiving the equipment
01/23/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 39194
Web
Their claiming I owe {$420.00} I don't know where this is coming from and that I need to contact XXXX services on or before XX/XX/2023
01/24/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33311
Web
This account isnt mine it was already removed which means its a reinsertion Im asking for the account to be removed from credit report
11/01/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77090
Web
Franklin collections is not license to collect debt in XXXX tx {$1000.00} this was not my debt the company will not move this debt
05/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30286
Web
XXXX XXXX XXXX charged {$160.00} for the equipment that I have proof that I returned. I have made multiple calls to the company.
01/05/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11385
Web
franklin debt collections has posted a of {$310.00}, from XXXX XXXX XXXX, that is not mine. I don't subscribe to this company.
05/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77036
Web
When I reviewed my credit report I have found items that I have never applied for a credit nor any communication with them.
02/09/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 93305
Web
Franklin Collection Services ( XXXX ) XXXX claims that XXXX sent me into collections but XXXX ( XXXX ) XXXX says not true.
03/02/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KY
  • 42001
Web
Franklin Collection Serv is charging me a bill that I don't owe, they never contacted me and they are hurting my credit.
12/13/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93065
Web
This debt is not mine and should have never been put on my account. I strongly dispute the debt and this companys claim!
02/09/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32839
Web
I checked my credit and saw that a collection debt was on it. Saying I opened in XX/XX/2020 but I did not open anything
03/21/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 38018
Web
Debt was finalized XX/XX/2016. I 've retain letter notifing that debt was paid in full. This is ridiculous and unfair.
02/26/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95901
Web
XXXX hired a company to collect fraudulent debt I never owed. They stated I didn't returned equipment I did return.
07/13/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35023
Web Servicemember
I AM NOT LIABLE FOR THIS DEBT IT KEEPS BEING ADDED TO MY CREDIT REPORT AS A NEW DEBT IT IS ILLEGAL TO RE-AGE A DEBT
10/12/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30058
Web
Wasnt not Presented a bill from original debt collector they messed up Equipment that never work and I was charged
10/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90302
Web
I paid this over a year ago and I have a receipt. They refuse to take it off my credit. It is not in collections
06/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32210
Web
I have no knowledge of this account. This agency does is not licensed to collect in my state per XXXX website
07/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • GA
  • 30331
Web
credit report shows as a debt for {$59.00} as a XXXX debt. Ive contacted XXXX and I have no debt outstanding.
05/24/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IL
  • 60653
Web
I do not have any contract with this company. I have never received any notification regarding this debt.
10/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 93703
Web
The following accounts were caused by FRAUD. I did not make any transactions relating to these matters.
12/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48228
Web
I never opened an account with this merchant and Ive tried to dispute it but came back accurate.
12/12/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77545
Web
This account is not mines the address where this account was opened I have never lived there.
02/01/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Reinserted previously deleted info
  • AL
  • 35805
Web
Franklin Collection Service remove paid accounts from my credit report then put them back on
03/03/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35405
Web
I want this account removed from my XXXX credit report immediately. This is not my account
06/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77095
Web
this was an account that was fraud, and got a letter from XXXX saying it would be removed.
02/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77407
Web
Account is fraudulent and unauthorized. I do not have any knowledgement of this account.
02/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77407
Web
Account is fraudulent and unauthorized. I do not have any knowledge of this account.
03/23/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NC
  • 287XX
Web
I was never contacted about debt from debt collector and was placed on my credit
11/06/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • KY
  • 427XX
Web
Did not receive a bill. But this should have been sent to my insurance company.
08/12/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60409
Web
I have disputed over and over again they telling me I cant dispute it anymore
04/25/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MS
  • 397XX
Web
I did n't receive a notice that it was being sent to a collection agency.
12/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 327XX
Web
THIS COLLECTION AGENCY CONTINUES TO SEND LETTERS FOR A DEBT I DO NOT OWE
02/01/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MS
  • 397XX
Web Servicemember
This debt was paid and was supposed to be taken off of my credit report.
12/04/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06511
Web Servicemember
XX/XX/21 Franklin Collection Inc keeps calling but leaves no message.
02/05/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 357XX
Web
This debt was verbally agreed to be paid to delete by representative.
05/10/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 372XX
Web
I obtained a copy of my credit report to find debt that isn't mine.
02/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37160
Web
Incorrect reporting of debt. Insurance at the time paid in full
11/07/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MS
  • 39110
Web
Date XXXX XXXX2016, Amt. XXXX ; we do not owe this balance.
05/08/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60411
Web
XX/XX/2019 never signed contract to Franklin collection sv
11/18/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 750XX
Web
Incessant calling after having been told to stop calling
09/05/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MS
  • 397XX
Web
The bill was already paid my insurance
04/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92545
Web
THIS IS A RESULT OF IDENTITY THEFT.
12/17/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27407
Web
I have no knowledge of said debt.
05/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30135
Web Servicemember
No knowledge of this account.
05/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MO
  • 63137
Web
this is not my debt
01/26/2024 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 35007
Web
01/21/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MS
  • 397XX
Web
01/18/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77077
Web
01/07/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35811
Web
01/03/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30071
Phone
11/09/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33311
Web
10/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39759
Web
10/18/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • LA
  • 70127
Web
10/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • AR
  • 72031
Web Servicemember
10/11/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MS
  • 38606
Web
10/04/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76001
Web
09/29/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 38655
Web
09/26/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60611
Phone Older American, Servicemember
08/18/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35805
Web
08/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • IN
  • 46320
Web Servicemember
08/09/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48238
Web
08/02/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 38801
Web
07/15/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30339
Web
07/14/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35453
Web
07/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35570
Web
06/26/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77060
Web
06/14/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35150
Web
06/14/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MS
  • 38925
Web
06/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36426
Web
06/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 77493
Web
06/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48089
Web
06/04/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33137
Web
06/02/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75056
Web
06/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28216
Web
05/31/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77494
Web
05/31/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30019
Web
05/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35808
Web Servicemember
05/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30080
Web
05/17/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29456
Phone
05/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27332
Web
05/15/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39440
Web
05/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39759
Web
05/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75207
Web
05/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 65801
Web
04/24/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60640
Web
04/22/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • AL
  • 35950
Web
04/19/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30274
Web
04/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37066
Web
04/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28203
Web
04/10/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 38023
Web
04/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91604
Web
03/29/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30349
Web
03/28/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75070
Web
03/22/2023 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
  • GA
  • 30161
Web
03/21/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38114
Web
03/19/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92553
Web Servicemember
03/08/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35758
Web
03/07/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35810
Web
03/07/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 80031
Web
02/25/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77083
Web
02/25/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39759
Web
02/19/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • MS
  • 39759
Web
02/18/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48146
Web
02/18/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35640
Web
02/14/2023 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
  • TX
  • 77064
Web
02/09/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • KS
  • 66204
Web
02/06/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 40228
Web
02/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29673
Web
02/02/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75228
Web
01/30/2023 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
  • MD
  • 20716
Web
01/27/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70769
Web
01/25/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33442
Web
01/25/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77227
Web
01/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 38642
Web
01/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39759
Web
01/18/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MS
  • 39110
Phone
01/12/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39759
Web
01/09/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33463
Phone
01/01/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39341
Web
12/24/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 350XX
Web
12/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MD
  • 20716
Web
12/19/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35405
Web
12/10/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • LA
  • 70518
Web
12/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77389
Web
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 397XX
Web
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 38109
Web
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35749
Web Servicemember
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 723XX
Web
12/02/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 38732
Web
12/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CO
  • 81052
Web
11/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 29420
Web
11/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77082
Web Servicemember
11/15/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • KY
  • 40216
Web
11/08/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 35405
Web
11/03/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43004
Web
10/29/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 39342
Web
10/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30328
Web
10/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 38930
Web
10/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95827
Web Servicemember
10/03/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30668
Web
09/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 37641
Web
09/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07083
Web
09/26/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33319
Phone
09/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29730
Web Servicemember
09/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28025
Web
09/04/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • KS
  • 66605
Web
08/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48021
Web
08/23/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75219
Web
08/18/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IN
  • 46268
Web
08/10/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95128
Web
08/06/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77077
Web
08/04/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77036
Phone Servicemember
07/24/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33027
Web
07/17/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MS
  • 38801
Web
07/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33134
Web
07/10/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39759
Web
07/08/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19067
Web
07/02/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39170
Web
06/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60118
Phone Older American
06/22/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32780
Web
06/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23234
Web
06/19/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39759
Web
06/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75226
Web
06/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39157
Web
06/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95376
Web
06/01/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44001
Web
06/01/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 31042
Web
05/30/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30016
Web
05/27/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39341
Web
05/26/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 38040
Phone
05/25/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MN
  • 55119
Web
05/21/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 46226
Web
05/21/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33035
Web
05/19/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35763
Web
05/18/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35976
Web
05/11/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80904
Phone Older American
05/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30294
Phone Older American, Servicemember
05/04/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35811
Web
05/03/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39750
Web
05/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70380
Web
04/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Report provided to employer without your written authorization
  • AL
  • 35147
Web
04/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70778
Web
04/28/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80920
Phone
04/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48092
Web
04/27/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43232
Web
04/27/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35976
Web
04/26/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 10314
Web
04/20/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35756
Web
04/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AL
  • 35603
Web
04/16/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WI
  • 53209
Web
04/15/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35758
Web
04/10/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35747
Web
04/09/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76017
Web
04/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70461
Web
04/01/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MN
  • 55337
Web
03/29/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48221
Web
03/29/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35611
Web
03/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 93313
Postal mail
03/02/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • KY
  • 41091
Web
03/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43068
Web
02/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85395
Web
02/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 31907
Web
02/16/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75150
Web
02/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33309
Web
02/13/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48075
Web
02/12/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53223
Web Servicemember
02/11/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08759
Phone
02/07/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70815
Phone Servicemember
02/02/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • MI
  • 48227
Referral
02/02/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35976
Web
01/25/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43221
Web
01/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • LA
  • 71129
Web
01/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AL
  • 36830
Web
01/18/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 38116
Web
01/11/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48237
Web
01/08/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 63141
Web
01/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • AL
  • 35209
Web
01/04/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • 35212
Web
01/03/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11201
Web
12/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32177
Web
12/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94510
Web
12/16/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75211
Web
12/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30034
Web
12/14/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35763
Web
12/07/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 15220
Web
12/06/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35756
Web
12/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73115
Web
11/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IL
  • 62205
Web
11/27/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 46229
Web
11/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 33144
Postal mail
11/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 38141
Web
11/17/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60632
Phone
11/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • AL
  • 35401
Web
11/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75092
Web
10/26/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78239
Web
10/21/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 31313
Web
10/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70117
Web
10/18/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07102
Web
10/15/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called before 8am or after 9pm
  • MI
  • 48130
Web
10/13/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 38668
Web
10/13/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 38641
Web
10/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60062
Referral
10/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75115
Web
10/07/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78727
Web
10/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30132
Web
10/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77571
Web
10/04/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35022
Web
09/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30168
Web
09/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70748
Web
09/22/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90503
Web
09/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75204
Web
09/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 63115
Web
09/16/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MS
  • 38915
Web
09/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32448
Web
09/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77433
Web
09/09/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48333
Web
08/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30350
Web
08/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48240
Web
08/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70043
Web
08/24/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44087
Web
08/21/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • LA
  • 70056
Web Servicemember
08/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77306
Web
08/18/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70112
Web
08/13/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 45246
Web
08/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30214
Web
08/09/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77020
Web
08/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • AL
  • 35603
Web
08/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 773XX
Web
07/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44087
Web
07/28/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 90250
Web
07/27/2021 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
  • TX
  • 78526
Web
07/26/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94544
Web
07/23/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28212
Web
07/23/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78043
Web
07/23/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90503
Web
07/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29369
Web Servicemember
07/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70714
Web
07/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70791
Web
07/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70791
Web
07/19/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29414
Web
07/16/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70791
Web
07/16/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70791
Web
07/16/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70791
Web
07/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 38801
Web
07/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39301
Web
07/12/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77469
Web
07/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78566
Web
07/06/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95121
Web
07/06/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35810
Web
07/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77449
Phone
07/01/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94591
Web
06/29/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 94703
Web
06/29/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • AL
  • 356XX
Web
06/28/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78750
Web
06/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76016
Web
06/23/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33991
Phone
06/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60171
Phone
06/20/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77080
Web
06/17/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77493
Web
06/17/2021 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30032
Web
06/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 75025
Web
06/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44310
Web
06/06/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70714
Web
06/04/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35474
Web
05/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31021
Web
05/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70810
Web
05/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30328
Web
05/24/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90503
Web
05/22/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 90043
Web
05/18/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • TN
  • 38103
Web
05/17/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30066
Web
05/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48021
Web
05/05/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 34610
Web
05/03/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77051
Web
05/01/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90731
Web
04/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 76084
Web Servicemember
04/28/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 98168
Web
04/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32314
Web
04/26/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75140
Web
04/16/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92879
Web
04/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33436
Web
04/07/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91107
Web
04/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60618
Web
03/27/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33993
Web
03/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NE
  • 68506
Web
03/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77014
Web
03/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79124
Web
03/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32701
Web
03/17/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80122
Web
03/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92040
Web
03/05/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92104
Web
02/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29721
Web
02/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30016
Web
02/23/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 78664
Web
02/20/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30566
Referral
02/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AL
  • 35022
Web
02/17/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90503
Web
02/17/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37919
Web
02/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30518
Web
02/10/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90503
Web
02/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75032
Web
02/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • LA
  • 70814
Web
02/02/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 34428
Web
01/29/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 55309
Web
01/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33624
Web
01/25/2021 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • LA
  • 70710
Web Servicemember
01/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77047
Web
01/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77063
Web
01/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 76133
Web
01/21/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 75219
Web Servicemember
01/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77373
Web
01/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 02723
Web
01/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33160
Web
01/14/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IN
  • 46222
Phone Older American
01/13/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CT
  • 06418
Web
01/13/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77346
Web
01/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44320
Web
01/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
01/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48221
Web
12/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33321
Web
12/23/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77084
Web
12/15/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93308
Web
12/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 39335
Web
12/04/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 39530
Fax
11/29/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 79934
Web Servicemember
11/25/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AR
  • 72405
Web
11/24/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • ID
  • 83401
Referral
11/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30052
Web
11/23/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28278
Fax
11/20/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19604
Fax
11/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WI
  • 54220
Web
11/19/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MS
  • 39429
Web
11/16/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32746
Postal mail
11/14/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35810
Web
11/05/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60048
Web
11/01/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90746
Web
10/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • FL
  • 33328
Web
10/21/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35749
Web
10/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30144
Postal mail
10/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 15241
Web Servicemember
10/12/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MS
  • 39702
Web
10/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • VA
  • 22030
Web Servicemember
10/02/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IN
  • 47124
Web
09/30/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35758
Web
09/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 36867
Web
09/23/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29569
Postal mail
09/23/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MS
  • 38655
Web
09/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 76119
Web Older American
09/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OK
  • 73099
Web
09/12/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33179
Web
09/04/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • LA
  • 710XX
Web
09/04/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27526
Web
09/02/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 95014
Web
08/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • 39766
Web
08/27/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30315
Postal mail
08/27/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30519
Web
08/27/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70764
Web
08/25/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
Postal mail
08/12/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • UT
  • 84067
Web Servicemember
08/10/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 34984
Web Servicemember
08/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 36535
Web
08/06/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92067
Phone Older American
08/05/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30082
Web
08/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60104
Web
08/01/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NH
  • 03431
Web
07/31/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94107
Web
07/31/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 18466
Web
07/31/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • 35773
Web
07/23/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 33496
Web Older American
07/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91737
Web
07/20/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73083
Web
07/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38018
Web
07/04/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33063
Web
07/02/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35404
Postal mail
07/01/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35404
Fax
07/01/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 18013
Web
06/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32246
Web
06/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35805
Web
06/19/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • GA
  • 30157
Web
06/12/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NY
  • 11435
Web
06/09/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • 71106
Web
06/02/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70392
Postal mail
06/02/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35401
Fax
06/01/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32526
Phone
05/30/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35401
Web
05/26/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30043
Fax
05/22/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35406
Fax
05/21/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35594
Fax
05/18/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35405
Fax
05/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78218
Web Servicemember
05/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30067
Web
05/04/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93274
Web
05/02/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19118
Web
04/28/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35404
Fax
04/27/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35749
Web
04/23/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30034
Web
04/16/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70714
Web
04/12/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 31825
Web
04/12/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35805
Web
04/11/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35401
Fax
04/03/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35806
Web
04/02/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35406
Fax
03/31/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37129
Web
03/31/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77028
Web
03/30/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35803
Web
03/26/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27529
Web
03/25/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35805
Web
03/23/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70714
Web
03/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33020
Web
03/17/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • 71106
Web
03/17/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • LA
  • 71291
Web
03/10/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30058
Web
03/04/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90025
Web
02/23/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35816
Web
02/21/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60088
Web Older American, Servicemember
02/19/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29203
Web
02/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77031
Web
02/14/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77084
Web
02/11/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35810
Web
02/04/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35405
Web
02/04/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • LA
  • 70896
Web
01/30/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70816
Web
01/29/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • IL
  • 60585
Phone
01/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 39206
Web
01/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone Older American
01/17/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75231
Fax
01/14/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 94015
Web
01/11/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32086
Web
01/09/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35758
Web
01/09/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32861
Web
12/31/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
Phone
12/30/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30093
Web
12/27/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70805
Web
12/25/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63017
Web
11/30/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29588
Web
11/19/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28360
Web Servicemember
11/19/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 39705
Phone Older American
11/09/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 35805
Web
10/25/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • MS
  • 39042
Web
10/21/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AL
  • 35672
Web
10/18/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48235
Web Servicemember
10/17/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • LA
  • 71303
Web
10/16/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48188
Web
09/28/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KS
  • 67357
Web Older American
09/15/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92833
Web
09/11/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • LA
  • 71457
Web
09/06/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92886
Postal mail
09/05/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35475
Web
09/04/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MN
  • 55411
Web
08/22/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 38961
Referral
08/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 35143
Web
08/18/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70119
Web
08/17/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27360
Web
08/13/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 38107
Web
08/06/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48235
Web
07/27/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 39042
Web
07/25/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TN
  • 38018
Web
07/17/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33056
Web
06/24/2019 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35401
Web
06/15/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77632
Web
06/09/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 64118
Web
05/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92660
Web
05/30/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 20755
Web Servicemember
05/22/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 75248
Web
05/16/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60616
Web
05/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 38655
Web
05/06/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32208
Web
05/02/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70805
Web Servicemember
04/29/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 38866
Phone
04/26/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 80233
Web
04/24/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94536
Web
04/20/2019 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MS
  • 38863
Web
04/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77449
Web
04/06/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35633
Web
04/03/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35404
Web
03/31/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32117
Web
03/29/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70301
Web
03/29/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78046
Web
03/22/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AR
  • 72076
Web Servicemember
03/15/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37218
Web
03/12/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35016
Web Servicemember
03/07/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • CA
  • 93631
Web
03/06/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30240
Web
03/03/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35473
Web
02/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78750
Web
02/25/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • SC
  • 29611
Web
02/04/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27407
Web
01/22/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 39501
Web
01/17/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
Web
01/17/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
01/07/2019 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • 71107
Web
01/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 23223
Web
12/18/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35674
Phone
12/17/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43615
Fax
12/12/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32176
Web
12/12/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 08736
Web
11/30/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90017
Web
11/06/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60616
Web
10/31/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60651
Phone
10/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95117
Web
10/19/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92057
Web
10/16/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33909
Web
10/11/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70764
Web
10/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • TX
  • 77054
Web
10/03/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60617
Postal mail
10/01/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • LA
  • 71108
Web
09/27/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27896
Web
09/24/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30324
Web
09/24/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60126
Web
09/20/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • 53188
Postal mail
09/12/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33458
Web
09/03/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95961
Web Older American, Servicemember
08/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WI
  • 53218
Postal mail
08/20/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MS
  • 38801
Postal mail
08/14/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28806
Web
08/02/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29102
Web
07/25/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75662
Web
07/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60634
Web
07/09/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92067
Web
07/07/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37615
Web
06/27/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
06/24/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28212
Web
06/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90067
Web
05/10/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33351
Web
05/03/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35235
Web
05/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07403
Fax
05/01/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94612
Web
04/24/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 18020
Web
04/20/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 31907
Web Servicemember
04/17/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90301
Web
04/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35128
Web
04/04/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30228
Web
03/30/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 63136
Web
03/30/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34711
Web
03/21/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48210
Web
03/07/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60056
Web
03/05/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75115
Web
03/05/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75126
Web
03/02/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • AL
  • 35739
Web
02/26/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35810
Web
02/22/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30047
Web
02/21/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • ND
  • 58849
Web
02/12/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35806
Web
02/02/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 38863
Web
02/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75087
Web
01/29/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29526
Postal mail
01/26/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77073
Web
01/09/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35756
Fax
01/07/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75204
Web
01/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98199
Web
01/04/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KY
  • 40701
Web
12/29/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35611
Web
12/26/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30052
Web
12/19/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28269
Postal mail
12/19/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78216
Postal mail
12/17/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 39401
Web
12/16/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77433
Web
12/15/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NV
  • 89123
Web
12/08/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77433
Web
12/06/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33193
Web
11/28/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
Phone
11/21/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35758
Web Servicemember
11/13/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 49120
Web Older American
11/07/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called before 8am or after 9pm
  • DC
  • 20003
Web
11/03/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28625
Web
10/10/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 75001
Web
10/01/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MS
  • 39501
Web
08/22/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • XXXXX
Web
08/18/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30126
Web
08/17/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TX
  • 75137
Referral
08/16/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90230
Web
08/10/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32256
Web
08/08/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30142
Web Servicemember
08/04/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Told you not to respond to a lawsuit they filed against you
  • MS
  • 39759
Web
07/31/2017 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • TN
  • 37321
Phone
07/30/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70360
Web
07/27/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35816
Postal mail
07/27/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77571
Web
07/09/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70360
Web
06/27/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
Phone
06/26/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
Phone
06/21/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29532
Web
06/20/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30076
Web
06/16/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35750
Web
06/12/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94302
Web
05/31/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • TX
  • 75063
Web
05/27/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 95835
Web
05/17/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30134
Web
04/18/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 38018
Web
04/17/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90037
Web
04/11/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 75503
Web
04/10/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75219
Web
04/05/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MS
  • 38637
Phone Older American, Servicemember
04/04/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • SC
  • 29223
Web
04/03/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • AL
  • 35811
Web
04/01/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 32129
Web
03/22/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • OK
  • 74153
Referral
03/21/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95757
Web
03/15/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 79762
Web
03/10/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60131
Web
02/23/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75607
Web
02/09/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90003
Web
02/04/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 28278
Web
01/31/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • OH
  • 43130
Phone
01/31/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60014
Referral
01/28/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95330
Web
01/18/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91354
Web Servicemember
01/16/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93612
Web
01/13/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AR
  • 72204
Web
01/12/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 15317
Web
01/09/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • FL
  • 33436
Web
01/05/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33175
Web
01/03/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • MS
  • 39180
Web
12/22/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75607
Web
12/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 27405
Web
12/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 27107
Web
12/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 91344
Web
12/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 78852
Postal mail
12/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33431
Web
12/05/2016 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
12/05/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NC
  • 27610
Web
12/01/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 70126
Web
11/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32208
Web Older American, Servicemember
11/16/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 32714
Web
11/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30215
Web
10/23/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • AL
  • 35761
Web
10/19/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 35802
Web
10/14/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 36081
Web
10/05/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30274
Web Servicemember
10/02/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30080
Web
09/28/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94578
Web
09/26/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30518
Web
09/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75001
Web
09/12/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • AL
  • 35660
Web
08/31/2016 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35810
Web
08/16/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • MS
  • 39208
Phone
08/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IN
  • 46227
Referral
07/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75146
Web
07/16/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 35405
Web
07/12/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 35406
Referral
07/02/2016 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 38663
Web
06/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 10011
Phone Older American
06/29/2016 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • NC
  • 28301
Referral Older American
06/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • 29229
Referral
06/10/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91042
Web
06/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • GA
  • 30331
Web
06/03/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34986
Phone Older American
05/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 33066
Phone
05/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90021
Phone
05/13/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95959
Phone
05/06/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77063
Phone Older American
04/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • OH
  • 43211
Web
04/26/2016 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • MS
  • 38852
Web
04/23/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CO
  • 80231
Web
04/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 15220
Web
04/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77584
Web
03/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • LA
  • 71291
Web
03/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33131
Web Older American
03/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 63135
Referral
02/29/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MS
  • 39074
Web
02/19/2016 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • MS
  • 38650
Web
02/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 94608
Phone Older American
02/05/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30297
Web
02/01/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 35773
Web
01/31/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93222
Web
01/27/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 35810
Web
01/15/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 35758
Web
01/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Indicated committed crime not paying
  • LA
  • 71109
Web Servicemember
12/21/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 34953
Postal mail
12/08/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
Phone
10/13/2015 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • AL
  • 35555
Web
10/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • MO
  • 63301
Web
09/29/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33442
Phone Servicemember
09/12/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77407
Web
09/08/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 35453
Web
08/11/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77047
Web
08/05/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 71107
Web
07/29/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89523
Web
07/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 75287
Web
07/04/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 95838
Web Older American
06/26/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30501
Fax
06/15/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MS
  • 38801
Postal mail
06/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33176
Web
06/12/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 48197
Web
04/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called after sent written cease of comm
  • MI
  • 48207
Web
04/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MS
  • 38855
Postal mail Servicemember
04/07/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92399
Web
03/27/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33334
Web
03/23/2015 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 17321
Web Older American
03/17/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OK
  • 73072
Web
03/06/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37211
Web
02/26/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60607
Web
02/19/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32256
Web Servicemember
02/10/2015 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Sued w/o proper notification of suit
  • MS
  • 39581
Phone
02/10/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 35803
Web Servicemember
02/03/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75052
Web
01/25/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 78249
Web
01/24/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94127
Web
01/02/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30815
Web Servicemember
12/31/2014 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • MS
  • 39735
Web
12/30/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32832
Web
12/27/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 10472
Web Older American
12/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • IL
  • 60445
Web
12/23/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77083
Web
12/04/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30040
Web Servicemember
12/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 10001
Web
11/28/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30153
Postal mail
11/22/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • AL
  • 35404
Web
11/19/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92003
Web Older American
11/18/2014 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • CA
  • 92336
Web
11/12/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AK
  • 99705
Web
11/12/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85042
Web
11/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IL
  • 60657
Referral
11/06/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MO
  • 64113
Web
11/05/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MD
  • 21704
Web
10/22/2014 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • AL
  • 36854
Web
10/06/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MS
  • 39111
Web
10/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77070
Web
09/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33025
Web
09/09/2014 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91007
Web
09/09/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WI
  • 53142
Web
08/27/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90028
Web
08/25/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77995
Postal mail
08/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MI
  • 48198
Phone
08/19/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 45420
Phone Older American
08/19/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 45122
Web
08/18/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 71118
Web Servicemember
08/08/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • FL
  • 32809
Web
08/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KY
  • 40003
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
  • GA
  • 30094
Web
08/01/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MS
  • 39114
Web
07/31/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60090
Web
07/30/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • OK
  • 74104
Web
07/30/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91103
Web Older American
07/28/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 35452
Web
07/27/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • SC
  • 29615
Web
07/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • NY
  • 12345
Web
07/17/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 36609
Referral
07/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • OK
  • 73159
Web
07/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92320
Web Older American
07/05/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30436
Web
07/03/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 78758
Web
07/01/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • AL
  • 35976
Web
06/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33064
Referral
06/12/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IL
  • 60134
Web
06/10/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • MS
  • 38863
Phone
06/05/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • AL
  • 35645
Web
05/22/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 20871
Web
05/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OK
  • 73078
Referral
05/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91801
Web Older American
05/02/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30044
Web
05/01/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KY
  • 42001
Postal mail
04/24/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 65806
Phone
04/10/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • OR
  • 97355
Referral
04/10/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • LA
  • 70037
Referral
04/09/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 35124
Web
04/05/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 31406
Web
04/04/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30046
Referral
04/02/2014 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • MS
  • 38732
Web
04/01/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 37025
Web
03/31/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NV
  • 89147
Web
03/28/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 30046
Postal mail
03/26/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AZ
  • 85258
Web
03/25/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TN
  • 37033
Postal mail
03/17/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 35744
Phone
03/14/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 44260
Web Servicemember
03/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 71118
Web
03/13/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Threatened to take legal action
  • MS
  • 39437
Web
03/05/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MS
  • 38801
Web
02/28/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Sued where didn't live/sign for debt
  • CA
  • 94558
Web Older American
02/28/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33319
Referral
02/19/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 35803
Phone
02/17/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OK
  • 74006
Web Servicemember
02/10/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MS
  • 39305
Referral
02/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 38133
Web
01/29/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33180
Phone Older American
01/27/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94112
Web
01/23/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • MS
  • 38804
Web
01/15/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MI
  • 48045
Postal mail
01/15/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 35803
Phone Servicemember
01/09/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48210
Referral
01/09/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 94553
Web
01/03/2014 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
  • 38116
Web
12/30/2013 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • AL
  • 35055
Web
12/27/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • FL
  • 33071
Web Older American, Servicemember
12/11/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • SC
  • 29607
Web
12/04/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 77079
Referral
12/02/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • TX
  • 75033
Web
11/26/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 35186
Web
11/13/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 93307
Referral
11/08/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OH
  • 43230
Web
11/01/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48304
Referral
10/31/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me instead of my attorney
  • MO
  • 64064
Referral
10/29/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48316
Web
10/29/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Seized/Attempted to seize property
  • TX
  • 76092
Web
10/18/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32506
Web Servicemember
10/17/2013 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • AL
  • 35474
Web
10/12/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30360
Web
09/16/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30002
Web
09/13/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30087
Web Older American, Servicemember
09/12/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • KY
  • 41101
Postal mail
08/30/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37115
Phone
08/18/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NV
  • 89701
Referral
08/14/2013 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • AR
  • 72719
Web
08/13/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • AL
  • 35068
Web
08/07/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 90018
Postal mail
08/06/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11717
Phone
08/02/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 45324
Web
07/30/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • IL
  • 60440
Phone
07/24/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 36604
Web