HCFS Health Care Financial Services, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33324	Web
PLEASE FIND BELOW A " REDACTED '' COPY of MY INITIAL COMMUNICATION SENT VIA " CERTIFIED MAIL '' TO THE SUBJECT COMPANY : " ACCOUNTS RESOLUTION SERVICES ( ARS ) '' THE INFORMATION CONTAINED INCLUDES THE AMOUNTS AS WELL AS KEY ASPECTS OF MY ISSUES AND DISPUTES : I HAVE ATTEMPTED TO RESOLVE THESE ISSUES BY SENDING INFORMATION TO THE THREE CREDIT BUREAU 'S WITH LITTLE TO NO SUCCESS OR ANY FURTHER VALIDATION FROM SAID COMPANY OF SAID DEBTS AND HAVE NOW DECIDED TO SUBMIT THIS DISPUTE VIA THIS MEDIUM. To : Account Resolution Services ( ARS ) A division of HRRG, LLC XXXX. XXXX XXXX XXXX, Florida XXXX XXXX Tel : XXXX Address Provided via Collection Listings : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Florida, XXXX Tel : XXXX MAIL RETURN ONLY ADDRESS PROVIDED : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX RE : Account name : ARS ACCOUNT RESOLUTION Amount : {$1300.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$640.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$1000.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXXXXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$930.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXXXXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$1300.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXXXXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$870.00} ( DUPLICATE ) Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XXXX XXXX, XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$960.00} Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXXXXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XXXX XXXX, XXXX Account name : ARS ACCOUNT RESOLUTION Amount : {$870.00} ( DUPLICATE ) Account Designator Code : INDIVIDUAL_ACCOUNT Account # XXXXXX XXXX Account Type : Medical or Health Care Original Creditor Name : XXXX XXXX XXXX Date of First Delinquency : XX/XX/XXXX Please Note : The Above referenced accounts were taken As is from My XXXX Credit Report as reported by your company. All information utilized in referencing said accounts, including dates, references and/or account numbers ( partial or otherwise ) were duplicated as you have reported to said Bureau to expedite your firms identification and cross referencing of your records based upon the collection accounts that you filed. SENT VIA CERTIFIED MAIL To Whom It May Concern : I learned of entries on my credit report alleging debts owed and being collected by your company. This letter is being sent to you in response to said and above detailed listings on my credit report ( s ) by your company. These accounts are unknown to me. I am therefore requesting that you validate each of the above listed accounts reported by your company onto my credit file as accurate and belonging to me. Additionally, please conduct a full investigation as required under Section 312 of the FACT ACT and respond in writing within the prescribed period of time. To save time, please supply the following information for EACH account above, herein listed and referred to ( in whole or in part as per your internal records ) : The original creditor for EACH of these debts The amount claimed as owed for EACH of these debts Who owns EACH these debts if different from the original creditor? Please send a copy of the contract authorizing you to collect on EACH of these debts. What was the date of the first delinquency of EACH debt listed above? Please supply all documents showing why you believe EACH of these debts are accurate and belonging to me. Please supply the full payment history on EACH debt. I would also like to request that no future telephone contact be made by your offices to my home, cell or to my place of employment. If your office does attempt telephone communication with me it will be considered harassment and I will take the appropriate action. All future communications must be done in writing to the above address provided below my name at the top of this communique. If you Can not prove that each or all accounts listed herein as accurate, belongs to me, and is not beyond their respective reporting period DELETE said reported accounts immediately from the credit bureaus and close these files in regards to Me. PLEASE NOTE : If you should decide NOT to remove these accounts, then consider this as a request for validation and provide all information as requested above regarding Each of the listed bills. Specifically and as well as all documents showing the treatment and diagnosis and itemized medical services that were apparently rendered for EACH bill and/or debt. Also provide all information in your possession concerning EACH account. I would like to further alert you to the following Legalities and Scenarios as it relates to your Inaccurate and borderline illegal attempts to attribute unverified debts to my persona to date. ( a ) I have already disputed said debts, some of which are DUPLICATES through the Three ( 3 ) Credit Bureaus namely, XXXX, XXXX and XXXX as well as the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX as of : ( XX/XX/XXXX ) and you have continued to report these Medical debts which are not mine without providing validation documents as is required by law. ( b ) I have also reported Identity Theft and at the time of receiving my Annual Credit Reports for XXXX and subsequently on numerous occasions thereafter as noted by each Credit Bureau whereby there is an active ( FRAUD ALERT ) Placed on each. ( c ) I have received correspondence from your company on XX/XX/XXXX and XX/XX/XXXX respectively ( For the same Debt Amount ) of {$870.00}, stating that you have validated said debts without providing me with any evidentiary documentation for such a claim. ( d ) I have also been advised that reporting Inaccurate Medical Data or Debts could very well exclude affected Individuals from seeking appropriate medical insurance and or employment and thusly have listed the timeframe which could be attributed to the loss of potential revenue, employment and affordable health care based upon your companys inaccurate listings. ( e ) I have been further advised that since you have apparently attempted to validate the above listed debts and included information that you are not allowed to have under HIPPA. You may have knowingly violated my privacy rights. So, in this regard, if the aforementioned items are not Deleted or Verified in the manner requested from these reports I will have no choice but to file a complaint with the U.S. Health and Human Services Office for Civil Rights ( ORC ) and other state and federal authorities. If you immediately delete these accounts from reporting, I will consider this/these matter ( s ) closed. ( f ) Whether or not these reported items are deemed inaccurate or not, it should behoove you to know that Florida Law Statutes of Limitations for Medical and other Written Debt reads in part as follows : Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ). Almost all other actions fall under the 4-year catch-all limitations period, ( F.S. 95.11 ( 3 ) ( p ) ) .Please do the math and verify the dates of first reported delinquency for each of the Debts that you are attempting to attribute to Me. REF : XXXX XXXX XXXX XXXX XXXX XXXX Confirm by mail your official response and position to this Verification Communique and that you have taken the requested action ( s ). Sincerely, _________________ XXXX SSN : xxx-xx-xxxx C.C. XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) SUPPLEMENTAL INFORMATION : FOR YOUR CONVENIENCE, I HAVE PROVIDED THE MOST RECENT AUDIT FROM MY CREDIT REPAIR LAW FIRM WHICH COINCIDENTALLY ALSO INCLUDES A RECENT DELETION FROM YOUR FIRM AS PER INACCURATE REPORTING : Note Date : XX/XX/XXXX XXXX XXXX Entered By : XXXX Note Title : XXXX Score XXXX Scores/Audit Done/GFE Updated Note Content : Hi, Your Current XXXX Score XXXX credit score are XXXX - XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX XXXX XXXX incorrect address deleted from XXXX. XXXX XXXX XXXX XXXX incorrect address deleted from XXXX. XXXX XXXX XXXX XXXX incorrect address deleted from XXXX. XXXX XXXX XXXX XXXX incorrect address deleted from XXXX. XXXX XXXX XXXX IN XXXX Un-Paid Collection deleted from XXXX. XXXX XXXX XXXX IN XXXX Un-Paid Collections deleted from XXXX and XXXX. XXXX XXXX XXXX IN XXXX Un-Paid Collections deleted from XXXX, XXXX and XXXX. XXXX XXXX XXXX IN XXXX Un-Paid Collections deleted from XXXX, XXXX and XXXX. XXXX XXXX XXXX** Un-Paid Collections deleted from XXXX, XXXX and XXXX. XXXX XXXX XXXX Un-Paid Collections deleted from XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Un-Paid Collection deleted from XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Un-Paid Collection deleted from XXXX. ACCOUNT RESOLUTION SERVI - XXXX** Un-Paid Collection deleted from XXXX.
03/15/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30344	Web
I HAVE ASKED MULTIPLE TIMES FOR THIS DEBT TO BE VERIFIED WITH NOT JUST AN ITEMIZED BILL BECAUSE THAT STILL DOES NOT VALIDATE THAT I OWE THIS DEBT. WHERE IS MY SIGNATURE STATING I AGREED TO PAY THIS DEBT OR OWE TO THE COMPANY YOU OBTAINED THIS DEBT FROM. WHERE IS MY HIPPA AUTHORIZATION. YOU HAVE VIOLATED MANY OF MY CONSUMER RIGHTS SUCH AS 15 USC 1692F ; UNFAIR PRACTICES ATTEMPTING TO COLLECT AN ALLEGED DEBT. 15 USC 1692F ( 1 ) ; ATTEMPTING TO COLLECT A DEBT UNAUTHORIZED BY AN AGREEMENT BETWEEN PARTIES. 15 USC 1692g ( a ) ( 4 ) CERTIFIABLE VALIDATION AND VERIFICATION OF ALLEGED DEBT. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. DELETE THIS ITEM FROM ALL MY CONSUMER REPORTS DUE TO NOT FULLU VALIDATING THIS DEBT WITH ALL REQUESTED DOCUMENTS TO PROVE I OWE SUCH DEBT. BY NOT DELETING THIS ITEM YOU ARE STATING YOU HAVE INACCURATELY REPORTED WORNG INFORMATION ON MY CONSUMER REPORTS THAT TARNISHED MY REPUTATION AND DAMAGED MY CHARACTER AND LIVELIHOOD. THIS MATTER CAN BE TAKE INTO CIVIL COURT FOR WILLFUL NON-COMPLIANCE. 1692 ( a ) - Consumer has a right to privacy. Notice, it is a fact, I, the consumer is a and have the right to privacy in accordance with 15 U.S.Code 1692 ( a ). 15 U.S.Code 1692a ( 4 ) - creditor, [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment. Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. 15 U.S.Code 1692b ( 2 ) - - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) as someone is stating the consumer owes a debt within a publication. Notice, it is a fact, I, the consumer was told, I owed an alleged debt proven by documents attached. This is a violation of 15 U.S.Code 1692b ( 2 ). 15 U.S.Code 1692c ( a ) - - needs prior consent from either the court or the consumer before communication with the collection of any debt. Did I or a court give you permission? Notice, it is a fact, consumer did not give prior consent to communication to the debt collector, ACCOUNT RESOLUTION SERVICES and the consumer alleges there was no prior consent from a court giving permission to contact I, the consumer in collection of any debts and thus this communication would be ACCOUNT RESOLUTION SERVICES is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. 15 U.S.Code 1692c ( c ) - Notice, it is a fact, affiant is the consumer, in fact and I, the consumer am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information. 15 U.S.Code 1692d ( 2 ) - any language I deem obscene can be a violation per word. Words that are obscene language to me is obscene to me. I have been falsely accused and this is obscene to me. Notice, it is a fact, affiant is aware ACCOUNT RESOLUTION SERVICES stating statement " THIS IS AN ATTEMPT TO COLLECT A DEBT '' which is language that is obscene to me causing me mental anguish and anxiety. This is a violation of 15 U.S.Code 1692d ( 2 ). 15 U.S.Code 1692d- Debt collector may not engage in any conduct ( no restriction ) which will harass, oppress or abuse any person in connection with the collection of a debt. Oppressing a right would be conduct not allowed from 1692d. Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages. Notice, it is a fact, affiant is aware, credit is a right granted to me as a creditor under the Truth in Lending Act and ACCOUNT RESOLUTION SERVICES does not have right to oppress or abuse any part of my character which would restrict or prohibit my right to extend credit. ACCOUNT RESOLUTION SERVICES has oppressed my right to extend credit which is a violation of 15 U.S.Code 1692d. 15 U.S.Code 1692e ( 2 ) - - false character, amount, or legal status of any debt. - AKA if your amount is shown in the positive it is a false and misrepresentation. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? Notice, it is a fact, consumer is aware, the false character of the amount of any debt is a violation of 15 U.S.Code {$160.00} 2e ( 2 ) ( A ). Consumer has proof of this violation as ACCOUNT RESOLUTION SERVICES allege I, the consumer, owes a debt but the alleged debt is shown in the positive amount, as seen in documents uploaded. 15 U.S.Code 1692e ( 12 ) - Notice, it is a fact, consumer has reason to be believe and do so believes, ACCOUNT RESOLUTION SERVICES in accordance to Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ). 15 U.S.Code 1692f ( 8 ) - No symbols are allowed within or outside other than the company 's own name in the attempt to collect any debt. Notice it is a fact, affiant is aware and has proof in documents uploaded of ACCOUNT RESOLUTION SERVICES being in violation of 15 U.S.Code 1692f ( 8 ) as there can be no symbols on the outside or inside the mails in the attempt of collection of any debts. 15 U.S.Code 1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation. I, the consumer, have sent a notice of dispute on the validity of this alleged debt to ACCOUNT RESOLUTION SERVICES. During this time it is required for all debt collectors to cease all collection activity including any previous furnishing of the dispute information until the dispute is resolved. Consumer has proof in this debt collector not only did not remove the account, ACCOUNT RESOLUTION SERVICES did not report a notice of dispute. This is a direct violation of 15 U.S.Code 1692g ( b ). 15 U.S.Code 1692b ( 5 ) - Nothing on the envelope which indicates debt collection, which includes a symbol or logo. Notice, it is a fact, consumer is aware and has proof uploaded, ACCOUNT RESOLUTION SERVICES has included its symbol whoch is there name that is known and represents a debt collection company while attempting to collect a debt which is a violation of 15 U.S.Code 1692b ( 5 ). DELETE ASAP!!!
12/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34207	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX, ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. CREDIT AGENCIES AGREE TO WAIT BEFORE ADDING MEDICAL DEBT TO RATINGS XXXX XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Account # XXXX At this time I make the claim that the medical debt procured against me on any or all credit reporting agencies, should be deleted permanently. Too many consumers have learned the hard way that their credit rating can be tarnished by medical bills they may not owe or when disputes delay insurer payment. That should change under new policy agreed to this week by the three major credit reporting agencies. The agencies say they will establish a 180-day waiting period before medical debt is added to someones credit report. In addition, the agencies agreed that when an insurer pays a bill, the debt will be promptly removed from the consumers credit report, unlike certain debts that remain for years. The changes are part of a settlement between the credit rating agencies XXXX, XXXX and XXXX and the New York Attorney Generals office that aims to improve accuracy and enhance procedures for disputing credit report errors. The agreement covers consumers across the country. The three agencies gather information from banks and collection agencies about consumers credit such as payment history and how much someone owes to credit score for more than 200 million individuals throughout the country. A persons credit score is used as a measure of credit worthiness, and can influence peoples ability to get loans and the interest rates they are charged, among other things. This is going to help millions of people access more affordable loans, says XXXX XXXX, a principal at XXXX XXXX XXXX in XXXX XXXX, Mass. People will no longer be penalized for having a medical bill slip past them and get on their credit report even though the bill gets paid. Insurers sometimes wrangle with patients and providers for months before paying a bill. The new six-month waiting period will give consumers time to resolve such disputes, XXXX noted. Medical debt accounts for more that half of the collection items on credit reports, according to a report by the Consumer Financial Protection Bureau. Among people facing collection for only medical debt, about half have otherwise clean credit reports with no sign of past debt collection problems. On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
04/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33023	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 METRO 2 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 , 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 The Better Business Bureau, 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. ARS ACCOUNT RESOLUTI bal. {$1900.00} 2. ARS ACCOUNT RESOLUTI bal. {$320.00} 3.ARS ACCOUNT RESOLUTI bal. {$300.00} 4.ARS ACCOUNT RESOLUTI bal. {$610.00} 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 CC : XXXX- The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
03/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 347XX	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 METRO 2 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 , 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 The Better Business Bureau, 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. ARS ACCOUNT RESOLUTI bal. {$1200.00} 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 CC : XXXX- The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
06/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33311	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 METRO 2 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 , 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 The 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. ARS bal. {$1600.00} 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 CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
02/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33054	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 METRO 2 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 XX/XX/XXXX XXXX and XX/XX/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 TheXX/XX/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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. ARS ACCOUNT RESOLUTI bal. {$250.00} 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 XX/XX/XXXX Iowa XXXX CC : XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XX/XX/XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
03/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37115	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 METRO 2 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. XXXX. XXXX XXXX XXXX XXXX {$710.00} 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
12/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78758	Web
XXXX XXXX XXXX Original statement by Consumer Financial Protection Bureau : " On your side through lifes financial moments. Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' XXXX XXXX We're the Consumer Financial Protection Bureau XXXX dedicated to making sure you are treated fairly ... '' Really? Or is this an act of fraud? Let 's find out. In order to aid Consumer Financial Protection Bureau in accomplishing and fulfilling that promise, statement and agenda, starting today, XX/XX/XXXX until XX/XX/XXXX, I, the Consumer, XXXX, Beneficiary of the Social Security XXXX and XXXX which has the XXXX Social Security Number assigned to it and a credit card issued by the Social Security XXXX for use by XXXX XXXX XXXX with date of birth as XX/XX/XXXX, or XX/XX/XXXX, now accepts the stated offer-to-contract, quoted above, by Consumer Financial Protection Bureau and grants Consumer Financial Protection Bureau the permission to access all credit reports -- though these reports should not even exist -- for the Consumer, Beneficiary and Plaintiff to aid you in ensuring, or making sure, all negatives and/or damaging communications -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) -- are removed and indefinitely from the credit reports and fulfilling your statement : " On your side through lifes financial moments. Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' Consumer Financial Protection Bureau, contact the Consumer, Beneficiary and Plaintiff to obtain any further information you need to access the credit reports for the Consumer, Beneficiary and Plaintiff. XXXX XXXX XXXX. v. ACCOUNT RESOLUTION SERVI, ACCOUNT RESOLUTION SERVICES, ACCOUNT RESOLUTION SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Defendant. Ignorance, or not, of the law is no excuse to break it. The disregard of the law by the Defendant, hereby additionally identified as " You '', Your '' and " Their '', is unjust, unfair, and damaging treatment inflicted upon the Plaintiff, hereby additionally legally and lawfully identified as the " Consumer '' and, more importantly, the " Beneficiary '' of the Social Security XXXX and Account the Social Security Number and its Credit Card which has been assigned and issued by the Social Security Administration to the legal and lawful Beneficiary and Consumer and identified as the Plaintiff, by the Defendant. Defendant, Your illegal communication -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) -- and existence on the XXXX, XXXX and XXXX XXXX reports of the Plaintiff is fraudulent. Now, there are various legal and lawful ways to approach Your illegal and unlawful acts against the Plaintiff, Consumer and Beneficiary. Let 's start with you putting into the record and public record, here on this " ... official website of the United States government '' which is displayed on consumerfinance.gov, as evidence and for examination by also the Plaintiff, the contract the Plaintiff signed that states the Beneficiary is legally and even lawfully bound to give You that which You are fraudulently attempting to obtain from the Consumer. The Defendant and definitely the Plaintiff already knows that no such contract exists and the Beneficiary never entrusted You with the Social Security Trust and Account information. Therefore, the Defendant shall immediately remove Their communications -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) and also through at least the mediums, or credit bureaus You aided and abetted and used to communicate Your communication, which is also fraudulent, that You are owed anything -- which are also already personal damaging, illegal and unlawful act and offenses listed under collections section of the existing credit reports -- which should not even exist for obvious reasons -- stat, and forever keep it off! That action of communication You have done is evidence of Your already committed voluntary personal damaging, illegal and unlawful acts and offenses against the Beneficiary, Consumer and Plaintiff which are civil and/or criminal offenses but not limited to the following : No Direct Consent ; 15 U.S.C. 1692 ( a ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ) Defamation ; 28 U.S.C. 4101 ( 1 ) Libel ; 28 U.S.C. 4101 ( 1 ) Harassment ; 15 U.S.C. 1692 ( d ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ) Fraud ; 18 U.S.C. 1001, 26 U.S.C. 7206 Aiding and Abetting ; 18 U.S.C. 2 Conspiracy ; 18 U.S.C. 956 You illegally and fraudulently communicated and claimed a debt is owed, which, again the debt is not and has never been owed, can be communicated to the one to whom all alleged debt is responsible, anyway : U.S. Constitution ArtI.S8.C1 ; Congress. Will You harass Congress with Your communication which is fraudulent? Moreover, Defendant, You are hereby, put on written legal and lawful notice : 15 U.S.C. 1692 ( c ) ; Truth In Lending Act ( TILA ) and Fair Debt Collection Practices Act ( FDCPA ). This legal and lawful notice also means You must, have to, and shall remove your communication -- 15 U.S.C. 1692 ( a ) ( 2 ) ; Truth In Lending Act TILA ) and Fair Debt Collection Practices Act ( FDCPA ) and also through at least the mediums, or credit bureaus You aided and abetted and used to communicate Your communication, which is also fraudulent, that You are owed anything -- from the Consumer credit reports, stat, immediately, indefinitely and forever. Furthermore, pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) ( A ) and due to Your negligence -- that, too, is also proof of your intent to cause successful harm to the Consumer -- Your six violations created XXXX XXXX dollars ( {$6000.00} ) in reparations and is owed and in the form of a postal money order, or Post_Office-issued money order or check -- U.C.C. 3-104 ( c ) codified on State level -- are additionally legally and lawfully owed, stat, by the Defendant and to the Beneficiary, Consumer and Plaintiff at XXXX XXXX XXXX XXXX XXXX : Mail Hold - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas ; XXXX stat through the XXXX XXXX XXXX XXXX Congress : XXXX ; 28 U.S.C. 4101 ( 1 ) Libel ; 28 U.S.C. 4101 ( 1 ) Harassment ; 15 U.S.C. 1692 ( d ) ; Truth In Lending Act ( TILA ) Fraud ; 18 U.S.C. 1001, 26 U.S.C. 7206 Aiding and Abetting ; 18 U.S.C. 2 Conspiracy ; 18 U.S.C. 956.
11/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19082	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 METRO 2 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 The Better Business Bureau, 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. ARS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) & {$240.00} 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
07/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33071	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 , 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 The 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. XXXX XXXX XXXX XXXX bal. {$1200.00} 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
12/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 731XX	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 XXXX XXXX XXXX, 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. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX bal. {$500.00} 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
11/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77584	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 XXXX-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. ARS bal. {$210.00} 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 XXXXXXXX
05/13/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34758	Web
Good afternoon : I reviewed my credit report and noticed inaccurate reporting and possible fraud. While reviewing my credit report, I observed the collection company in question- XXXX XXXXXXXX XXXX XXXX XXXX XXXX reported on my consumer credit report on behalf of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX also reported the same debt at or about the same time. I have attached a copy for your review. What's interesting is they are the same company. I have attached my letters written to them and the notices I received from the collection company. This violates the Fair Credit Collection Practice Act, prohibiting this from happening to consumers. On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX aka ARS aka Account Resolution Service and requested debt validation according to the Fair Credit Collection Practice Act, 15 USC 1692g Sec. 809 ( b ). On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, aka ARS, aka Account Resolution Service. That stated they verified the debt with their client and provided NO proof of debt validation such as but not limited to contract, signature, or any documentation demonstrating facts proving this debt belongs to me, which is a violation of the Fair Credit Collection Practice Act. On XX/XX/XXXX, I sent a certified letter to XXXX, XXXX, and XXXX disputing this debt because I believed this was fraudulent and inaccurately being reported to my credit report. I received a response from XXXX and XXXX that stated, " debt validated and will remain. '' Still, they both failed to provide debt validation, such as but not limited to contract, signature, or any documentation demonstrating facts proving this debt belongs to me or an explanation of how they validated the debt, which is a violation of the FCRA and FCCPA. I sent another certified letter by mail on XX/XX/XXXX to XXXX XXXX XXXX, aka ARS, aka Account Resolution Service, and requested debt validation according to the Fair Credit Collection Practice Act, 15 USC 1692g Sec. 809 ( b ). with no response. Again they violated the Fair Credit Collection Practice Act. On XX/XX/XXXX, I sent certified mail as a SECOND attempt to XXXX and XXXX requesting validation of the debt. Both XXXX and XXXX failed to respond within 30 days and produce facts, documentation, or evidence to prove this debt belongs to me. On XX/XX/XXXX, I sent by certified mail a THIRD request letter to XXXX that the unverified items remained on my credit report in violation of the Federal Law and they are required under the FCRA to have a copy of the original creditor 's documentation on file to verify the information is in fact mines and correct. I demanded to know who verified these accounts and the method of verification and requested the account to be deleted from my account. XXXX failed to respond and produce evidence this debt belongs to me within 30 days. On XX/XX/XXXX, I sent by certified mail to XXXX a THIRD attempt letter requesting physical proof of the original signed consumer contract-any an all documents proving this debt belongs to me per the Fair Credit Collection Practice Act, Section XXXX ( a ) ( XXXX ) ( A ). I received no proof again validating that this debt belongs to me, violating my consumer rights under FCRA and XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, aka XXXX, aka Account Resolution Service, that stated : " they have verified the information with their client. '' They failed to provide physical proof of the original signed consumer contract verification. All documents prove this debt belongs to me per the Fair Credit Collection Practice Act, another violation. On XXXX, I sent another certified mail letter to XXXX XXXX as a THIRD attempt. I exercised my right under the FCRA 611 ( a ) ( 7 ) to request a complete description of all the methods used to investigate my aforementioned dispute and requested this account be deleted because they failed to provide ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ), and must delete this account if it could not be verified under Section 611 ( 5 ) ( A ) of the FCRA. I informed them they would be in noncompliance per Section 617 of the FCRA if they failed to comply ; it's considered " negligent and noncompliance '' I did NOT receive a proper response. On XX/XX/XXXX, I sent a certified letter to XXXX as a FOURTH attempt to exercise my right under the FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute mentioned above. I asked for the account to be deleted because they failed to provide ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and must delete this account if it could not be verified under Section 611 ( 5 ) ( A ) of the FCRA. XXXX did not provide a proper response and violated my consumer rights again. On XX/XX/XXXX, I sent a certified letter as a FOURTH attempt by mail to XXXX demanding verifiable proof and if the debt could not be proven, it MUST be deleted again if they failed to comply with FCRA and FCCPA. On XX/XX/XXXX, I sent a certified letter as a FIFTH attempt by mail to XXXX demanding verifiable proof, and if the debt could not be proven, it MUST be deleted, again they failed to produce any evidence this debt belongs to me and violated the FCRA and FCCPA. On XX/XX/XXXX, I sent a certified letter as a FIFTH attempt by mail to XXXX demanding verifiable proof, and if the debt could not be proven, it MUST be deleted again ; they failed to produce any evidence this debt belongs to me and violated the FCRA and FCCPA. I have exhausted my attempts to resolve this matter at this point. I felt it was necessary to file a complaint.
08/14/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77449	Web
This is my SECOND complaint about XXXX XXXX XXXX in XXXX Florida. They are operating in the State of Texas as a THIRD-PARTY DEBT COLLECT WITHOUT A BOND. On XX/XX/2018, I filed a complaint here against this company. Within an hour, I had a response from them or someone, who said that they were XXXX XXXX XXXX, XXXX, AND THAT XXXX XXXX XXXX, ( hereafter called XXXX ) was their D.B.A. I have included my original complaint here WHICH includes that companies carefully crafted response. As a result, CFPB, CLOSED my complaint because of that response and the information contained within. In their response, they said that THEY WERE ALWAYS LICENSED AND BONDED IN THE STATE OF TEXAS and they were so kind ( and deceptive ) to give me 'proof ' of a BOND NUMBER XXXX to search within the Texas Secretary of States site for third party debt collector searches. I did do that search and XXXX XXXX XXXX, XXXX, WAS and IS bonded in Texas. SO ... I called the SOS and asked for their assistance to search the database for any traces of XXXX, XXXX XXXX XXXX. What I was told and you can confirm with the SOS is this ... XXXX XXXX XXXX IS NOT BONDED IN TEXAS ... FURTHER THEY NEVER HAVE BEEN. Within the search pattern, it will say if they had and/or if it had lapse. IN XXXX case, they are nowhere to be found so are in fact with the State of Texas, a NON-Bonded company. I was told by the Secretary of State representative that XXXX MUST HAVE A SURETY BOND IN PLACE IN ORDER TO ACT AS A THIRD-PARTY DEBT COLLECTOR IN TEXAS. According to Texas law, because XXXX is reporting into my ( and other Texas Consumer ) credit files, ALL WITHOUT BOND, this is considered INDIRECT COLLECTIONS, and is a total violation of my rights under both Texas and Federal Laws. Today, I updated my complaint with the Texas Attorney General 's office. I am attaching the XXXX INITIAL RESPONSE THAT YOU HAVE from my first complaint ... The one you closed without checking the validity of XXXX ' response. Today, I am here filing another complaint with the CFPB, with the sincere belief that if you take the time to read this lengthy complaint you will see DECEPTIVE TRADE PRACTICES in full view. In the response that you receive on XX/XX/XXXX from an XXXX official, they told CFPB and myself, that they WERE Bonded. My complaint was against, XXXX. This other ye-hoo company they brought out of the closet was not then on my nor my attorney 's radar screen, well until then. So my complaint was in total directed at XXXX. Their CFPB response was deceptively crafted to create the illusion with the CFPB and myself, that they WERE ... mean XXXX as they were the target of my complaint ... That THEY, XXXX was bonded. They cleverly gave you a bond number. Did you not check that bond to see that it was NOT XXXX bond. I can tell you definitively that XXXX has never been bonded here. YET ... they still being allowed to post derogatory remarks into my credit file ... Well, mine and every other Texas consumer that is dealing their deceptive practices. AGAIN FOR THE RECORD ... FROM THE TEXAS SECRETARY OF STATE, XXXX, XXXX XXXX XXXX IS NOT BONDED IN TEXAS. PERIOD! YET, Texas has a MANDATORY SURETY BOND REQUIREMENT. Are they not REQUIRED to abide by Texas Laws? What about federal laws regarding DECEPTIVE TRADE PRACTICES? Are blatantly constructed false statements into a FEDERAL site, that has oversight over that industry NOT important to the CFPB? I surely hope they are. I can tell you that while my complaint may fall here, they assuredly will not with the Texas Attorney Generals office nor with forthcoming civil actions. What about my rights as a senior citizen under the Consumer Protection Act, or Fair Credit Practice Act, or the Fair Credit Collection Reporting Act, or the Texas Finance Code, Section 392. Do any of these matter? I wonder. XXXX XXXX XXXX is a non-bonded company ... I have had now four communications with the Texas Secretary of State. Two I initiated, two they called me on to discuss my situation with XXXX. My understanding is that the SOS is in contact the Attorney General 's Office and good news for me, I have two complaints now in his office and a third coming tomorrow. All breaches of the above acts. I have notified all three credit bureaus of they non-compliance in that they are allowing a NON-BONDED company to access to my credit files. We will see if they want to formally meet XXXX in court I guess. All my credit files now show XXXX with a CLOSED STATUS YET ... this week, XXXX had access to my credit file enough to FLAG It as Collections. A NON-BONDED company, practicing deceptive trade with false statement into a federal site in order to squelch my consumer rights of complaint ... Still with complacent accessing to my credit bureau files at XXXX, XXXX and XXXX. What I hope for is that you will realize that were blatant deceptive trade practices is exhibited that CFPB has a responsibility to me as a senior citizen to protect my consumer and FEDERAL rights. They are each being trampled on in this case. I am demanding that XXXX and all traces of them and ANY affiliated companies be removed from my credit files. I also trust that when you get another very craftily written deceptive response from them, that you will investigate and read their carefully crafted and obviously deceptive XX/XX/18 response. It clearly shows their obvious intent to squelch a legitimate complaint with a response that was INTENTIONALLY CONSTRUCTED TO DECEIVE THE CFPB AND ME AS A CONSUMER.
06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34787	Web
ARS has sent I the consumer several letters stating I owe an alleged debt for 3 accounts in the amount of {$1100.00}, {$1500.00} and {$1700.00}, this is harassment. I received letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ( I will attached letters ) all of which state this is an attempt to collect a debt, a direct violation of 15 USC 1692b ( 2 ). I have never given any written permission or consent to ARS to contact me or to create an account in my name ; I have never given ARS my home address. Nor have I ever had a contract or agreement with them. This is a direct violation of my consumer rights pursuant to but not limited to 15 USC 1692c ( 1 ). These actions constitute to identity theft because I never gave consent. Since I have never had a contract with this organization they have no grounds to report to a credit bureau and since they have this is a direct violation of 15 USC 1692f ( 1 ). They claim they have sent validation of debt ; however, ARS was not present to view an original consumer transaction therefore it is impossible for them to verify that the alleged debt is a valid debt. I sent an affidavit to ARS, the lawful response to an affidavit is a rebuttal point for point. They have not provided a rebuttal point for point therefore, anything other than the lawful response is default and invalid. I gave them an opportunity to cure on XX/XX/XXXX, and they continue to report negatively on my consumer report without providing a lawful rebuttal providing validation. It has taken a considerable amount of time, effort, and finances to address this issue. It appears my credit card also known as my SSN was used to obtain credit via the original consumer transaction and ARS was not a party involved in that original transaction. ARS has furnished negative collections accounts to my credit report which has caused emotional distress for me do to them attacking and ruining my reputation pursuant 15 USC 1692d ( 1 ). Their reporting has severely impacted my consumer report and my ability to obtain credit. I have asked them before to remove the items as they have no right to furnish information on my consumer report especially since we have no official contract or agreement between one another. Since my initial complaint I have placed ARS in default as of XX/XX/XXXX ( AFFIDAVIT ; DEFAULT JUDGEMENT AND COMERCIAL DISHONOR, please see attached ). I have also mailed them a CONSUMER ENFOREMENT ACTION document with CONSUMER ENFORCEMENT SETTLEMENT ORDER ( PRE-SUIT ) INVOICE # 001 ; STATEMENT OF DAMAGES dated XX/XX/XXXX ( see attached ). In ARS ' attempt to collect debts they have violated my rights as a federally protected consumer, and violated the laws set forth by Congress. Please see the following violations : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX 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 ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18. Invasion of Individual and Family Privacy 19. Debt collector states that such consumer has debt when debt collector informed consumer, " this is an attempt to collect a debt., '' this is a violation pursuant to15 USC 1692b ( 2 ) 20. Debt collector communicated with consumer more than once without expressed permission or consent from consumer this is a violation pursuant to 15 USC 1692 b ( 3 ) 21. Debt collector contacted consumer at unusual and inconvenient times this is a violation pursuant to 15 USC 1692 c ( a ) ( 1 ) 22. Debt collector threatened if bill is not paid, alleged debt will be reported to credit bureaus which can harm I the consumers reputation, this is a violation pursuant to15 USC 1692 d ( 1 ) 23. Debt collector used language or symbol on envelope that indicates the debt collector is in the debt collection business or that communication relates to a collection of debt this is a violation pursuant to 15 USC 1692 b ( 5 )
07/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33162	Web
on XX/XX/XXXX the company ARS RESOLUTIN SERVICES responded to my cfpb complaint in which i demanded for this company to validate this debt, they responded : We have reviewed our records in this matter, and find the following. Our client, Inphynet XXXX XXXX, is a provider of emergency room physician services at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$350.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer on XX/XX/XXXX. Our initial validation notice, including the right to dispute language, was mailed to the consumer on XX/XX/XXXX. Follow up notices were mailed to the consumer on XX/XX/XXXX and XX/XX/XXXX. Each of these notices was mailed to the consumer at the same address provided in this complaint, and were not forwarded or returned by the postal service. Upon receipt of a consumer dispute, we are required to do the following. 1. Verify with our client that the information being reported is accurate. 2. Report the item as in dispute with the credit bureaus. 3. If requested, provide the consumer with validation of the debt which must include the name of the original creditor, the date of service, and the current balance of the account. We have met these requirements. Validation of the debt was mailed to the consumer on XX/XX/XXXX, and again on XX/XX/XXXX ... this company has continued to violated my rightd under fcra & fcdpa1 by not providing me the account number of this debt.2has not provided me with no proper validation documents.3.no account number in regaurds of this debt.4.by not ceasing and desing this collection like demanded by the consumer.5The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector. UNDER SUBCHAPTER15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents 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 consumers 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. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consum er with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. 15 U.S. Code 1692e.False or misleading representations ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action im demanding for this debt collection agency to upload toad the suspicious letters that have been claim has been sent out, i want this uploaded to this cfpb in their response this company is contining to violate my rights constitutional rights under fcra & fdcpa
02/21/2021	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 34952	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 { XX/XX/XXXX or XX/XX/XXXXXXXX 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 : XX/XX/XXXX and XX/XX/XXXXXXXX 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. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon Book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, congress said ANY card.The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction below they should all be removed from my consumer report pursuant to 15 usc1681a ( 2 ) ( B ) I am demanding that you remove these transactions immediately As they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I DID NOT AUTHORIZE ANYONE TO FURNISH MY CREDIT REPORT.
08/02/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77449	Web
Please be advised that XXXX XXXXXXXX XXXX is in violation of Section 392.101 of Texas Finance Code which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.301 ( a ) ( 4 ) of Texas Finance Code prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts. According to Section 392.001 ( 3 ) of the Texas Finance Code the term " Debt collector '' means a person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. The Texas Debt Collections Act applies to creditors attempting to collect their own debts. I am writing to advise you that XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, FL. XXXX, is in violation of the Texas Finance Code Section 392 as well as the Deceptive Trade Practices-Consumer Protection Act. As a debt collection company they are operating in the State of Texas without a BOND. As you will see, their bond lapsed and cancelled on XX/XX/XXXX. The State of Texas does not have previous records stating they had such BOND before XX/XX/XXXX. ( Were they operating here then without a bond too? ) At least since XX/XX/XXXX, they have been operating as a debt collector in the State of Texas without the mandatory bond. This is required by the Texas Secretary of State. I have attached the proving document directly from the XXXX website and attached a copy of the supporting document. Today, please be advised that I am also next filing a formal complaint with the Texas Attorney General office as XXXX, XXXX and XXXX have allowed XXXX XXXX XXXX to report through their reporting bureaus without a required bond with the state of Texas. This is a direct violation of my rights as a consumer. I have formally sent certified letters and complaints to all three bureaus today. I am fully prepared to pursue my rights for the harm this blatant disregard and inaccuracy has done to me pursuant to the Texas Finance Code Sec. 392.403. I know that I am provided remedies for their non-compliance under the Fair Debt Collection Practices Act, The Fair Credit Reporting Act, The Texas Finance Code, Section 392 and the Deceptive Trade Practices-Consumer Protection Act. As all three credit bureaus have been negligent in their due-diligent responsibilities to make sure debt collection companies adhere to state and federal laws regarding having the necessary bonds in place. Accordingly, I am demanding my rights under all of these aforementioned Acts be protected and that you assist me in securing the immediate removal of all traces of their trademark and reporting from my credit report with XXXX, XXXX and XXXX because XXXX XXXX XXXX as a debt collector has and continues to violate the aforementioned laws. Their continued operations without a bond along with all of the above mentioned credit reporting bureaus have violated my rights under the Fair Debt Collection Practices Act, The Fair Credit Reporting Act, The Texas Finance Code Section 392 and Deceptive Trade Practices-Consumer Protection Act. I am attaching the supporting document from the Texas Secretary of State website which shows XXXX XXXX XXXX is operating illegally as a debt collector in the State of Texas. I expect a swift removal of all traces of their trademark and reporting on all three credit bureaus. I have attached a document showing their reporting on all three of my credit reports. If you need copies of my actual credit report, I can provide that as well. Please also note Texas BCC17- I am demanding that XXXX XXXX XXXX or ANY of their affiliates will not sell, transfer, or assign these alleged debts per Sec. 392.301 ( a ) ( 4 ). I demand that any responsive replies be ONLY via the United States Post Office. They are NOT to contact me by phone NOR contact my family, acquaintances, or employer in ANY manner what so ever. I understand my rights to seek legal remedies for violations against my person with include : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Credit Collection Practices Act, ( including but not limited to 807.8 ) and the Violation of the Fair Credit Report Act, ( included but not limited to Section 623.b ) Please act on this FORMAL complaint against, XXXX XXXX XXXX ( also known as XXXX ), XXXX, XXXX and XXXX Credit Bureaus . If you need more supporting information, please do not hesitate to contact me.
04/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 141XX	Web
Two of my XXXX room debts replaced with account resolution services. I had called them to settle both of the debts when I received my stimulus. The first representative I spoke to stated she couldnt offer me anything less than like 65 %. I figured she was just trying to get the most that she could out of me so I called back in and spoke to another woman. She stated that that is the lowest that they can go but once we pay the 65 % or whatever the discounted balance was, this would be removed from my credit as if it never existed. So with that I went ahead and settled both accounts. I paid {$340.00} To one of the debts and {$270.00} to the other. I made these payments via my card. The first payment for the {$340.00} came out on XX/XX/XXXX and then the {$270.00} came out on XX/XX/XXXX. When I had received the letters in the mail one of the letters stated that the debt was paid in full and the other letter stated that I still owe {$300.00} on the account that I paid {$270.00} on. I called them back and I stated to them that I had settled both of these accounts and that there mustve made a mistake. They send me to a voicemail box every time I asked to talk to a supervisor to get them to listen to my call and see that Im all set because I am also a debt collector and I specifically wrapped up my call and asked if I pay this in this theyre both set up once the payments go through Im all set she said yes I asked once the payment go through do I owe any more money she said no. And that I would receive my two paid in full letters in the mail. I have asked to talk to a supervisor multiple times. When I go to the voicemail box it says that a supervisor will call you back if you call before XXXXXXXX XXXX they will call you back by XXXX XXXX the same day if you call after XXXXXXXX XXXX theyll call you back by XXXX XXXX the next business day. They said that they called me back on XX/XX/XXXX I have left multiple messages since XX/XX/XXXX and have not gotten a call back. I did receive a call on XX/XX/XXXX from a Nevada number, end it never left a voicemail I was at work when the call came in. When calling the number back it says its not in service. I have sat on the phone for 40 minutes at a time talking to a representative while they message their supervisor and ended up sending me to the same voicemail box To leave another message. The second rep that I spoke to that had me on hold for so long said that 2 supervisors looked at my account and I still owe {$300.00}. I said I want to speak to that supervisor and make sure that they listen to my call if not be willing to listen to it with me because I know for a fact that I was told that this was to settle my debts. They keep sending me to a voicemail box. Ive been trying to get a hold of them since XX/XX/XXXX. It is XX/XX/XXXX I have left eight voicemails and Ive only received one call back From a Nevada number on XX/XX/XXXX. I have call logs. I take videos of me while Im on the phone with them so that way you can see what I have to go through to be able to get anywhere as far as I have already settled these debts. They are not willing to work with me in anyway. No supervisor calls back. There is just no effort on their end to make sure that my money is going where it supposed to be going. We had a verbal agreement on a recorded line they stated the call recording disclosure I was very specific about the questions that I had asked for the very simple reason that this would not happen. I need some help. They want me to pay them XXXX more dollars for a debt that I had already settled. Im not able to talk to a supervisor. None of the reps can help me. Anytime I call in the call just gets hung up on sometimes. A couple of times I would call in and someone would say hello and then the moment I would state my date of birth they just sent me straight to the voicemail box I didnt even get a chance to ask them to message their manager to make sure somebody would be able to speak to me so I could get this resolved. But then even when I do ask them that they just drop me on a voicemail box. I am sick of being treated this way. I understand that I owed a debt. These balances occurred I was young and in college and I thought that I still had insurance under my father but I didnt. And they were obviously emergency room visits. So Im using the money from my stimulus to be able to settle these debts so that way I could use whatever I have left over to pay my bills. I explained all of this to them. I explain to them that I just wanted to settle it and be done I went over every detail I couldve thought of on the phone call. I settled both of these debts and they are still reporting on my credit that I owe money And theyre reporting as derogatory. I need this fixed please help
06/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32207	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX MULTIPLE ACCOUNTS REGISTERED Please be advised that this organization has posted several medical collections against all of my credit reports, whereas during the specified time periods I was XXXX XXXX XXXX XXXX XXXX in the state of Florida. The information obtained by ARS was through a debt pool operation, and these collections were posted outside my rights under the Fair Debt Collection Practices Act. In addition, the Consumer Protection Bureau has a standing policy as administrator of the Fair Credit Reporting Act that any collection process must have a 180-day notice of credit impact. That legal guideline does not exist, nor has it ever existed on these collections. This organization has hindered my progress as a member of the XXXX community to maintain a solid reputation, as I have served my time for past offenses. Accordingly, I am being targeted by this collection agency on discrimination grounds, and even if these collections were legitimate, they would no longer be enforceable within legal limits of the state of Florida. All of these collections must be deleted immediately. Also, ARS has violated its subscriber agreement with every credit reporting agency for the placement of these collections outside legal requirements, and thus sanctions must be posted through the Consumer Financial Protection Bureau accordingly. On these subscribers that are reporting the affixed information, I am requesting full validation such as, original Financial rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
12/19/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 322XX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARS ACCOUNT RESOLUTIONS XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
03/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22031	Web
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hospital in XXXX Virginia. I was treated for XXXX XXXX ( I was diagnosed with XXXX XXXX XXXX in XXXX ). On the evening of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, where I remained until XX/XX/XXXX. On XX/XX/XXXX, I received a collection notice for {$1800.00} from Healthcare Revenue Recovery Group ( HRRG ). On XX/XX/XXXX, I sent a letter to HRRG disputing the debt because I never received a bill or any correspondence for a debt of {$1800.00}. I also requested the full name and address of the original creditor. As of XX/XX/XXXX, I have never received a call or any written correspondence from HRRG or the original creditor. On XX/XX/XXXX, I received a second collection notice for {$1500.00} from Healthcare Revenue Recovery Group ( HRRG ). On XX/XX/XXXX, I sent a letter to HRRG disputing the debt because I never received a bill or any correspondence for a debt of {$1500.00}. I also requested the full name and address of the original creditor. As of XX/XX/XXXX, I have never received a call or any written correspondence from HRRG or the original creditor. On XX/XX/XXXX, my mom and I called HRRG and spoke with XXXX XXXX. I asked for the full names of the two creditors. XXXX gave me the name of XXXX XXXX XXXX XXXX but did not confirm the full name of the other company. She did not give me any contact information for the two companies but promised to send me the information. I have never received contact information for either company. XXXX told my mom and me that the bills from the two companies were now combined under the same reference number. I asked whether claims had been submitted to XXXX XXXX, and XXXX stated that they implying XXXX XXXX submitted a claim for a {$1500.00} charge. XXXX said that XXXX XXXX hadnt received a response from XXXX, so they turned me over to HRRG. XXXX had the information from my military ID because she read off my DoD ID number. My mom explained that the claim needed to be filed under the DoD benefits number, not the DoD ID number. XXXX told my mom and me that she would resubmit the DoD benefits number through the provider. On XX/XX/XXXX, my mom and I called HRRG and spoke with XXXX. I again asked to confirm the full name of the second company, XXXX XXXX XXXX. I asked whether the creditor had closed the debt of {$1800.00}, and XXXX said the debt had not been closed. She stated that XXXX XXXX XXXX had filed a claim with XXXX on XX/XX/XXXX. My mom asked whether I had been reported to credit agencies, and XXXX said that I had not been reported. On XX/XX/XXXX, I pulled my EOB from the website of my insurer, XXXX XXXX. I noted that on XX/XX/XXXX, XXXX paid {$420.00} against the charges of {$1500.00} from XXXX XXXX. On XX/XX/XXXX, my mom and I spoke with a rep from XXXX XXXX and confirmed that XXXX had paid in full the charges of {$1500.00} from XXXX XXXX. My mom asked if XXXX XXXX had received a claim from XXXX XXXX XXXX, and the XXXX rep said that XXXX XXXX XXXX had filed no claims. The XXXX rep put my mom in touch with the XXXX debt collection liaison, who would work on repayment of the charges with HRRG. On XX/XX/XXXX, I mailed a Priority Mail letter to XXXX XXXX XXXX XXXX and sent a copy to HRRG. I explained that XXXX XXXX had paid XXXX in full on XX/XX/XXXX, and requested they terminate the collection action. I also requested XXXX respond in writing to confirm that my bill was settled and that HRRG has terminated the collection action. On XX/XX/XXXX, I tried to access the HRRG website to see if anything was resolved. However, I could not access the website because I didnt have a PIN, and there was no PIN posted on either bill from HRRG. On XX/XX/XXXX, my mom and I called HRRG and spoke with XXXX. We asked for the original creditors contact information. XXXX did not give us the information and said someone would provide the contact information soon. My mom asked XXXX when I would receive the contact information, and XXXX told my mom to be patient. My mom asked whether XXXX XXXX XXXX had filed a claim, and XXXX said they had. My mom told XXXX that XXXX XXXX didnt have a record of the claim, and XXXX said the claim was paper and that we needed to be patient. I asked XXXX for my PIN to access the HRRG site, and she gave me the PIN.
03/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77382	Web
I was sent a letter of response to a validation request that was submitted XXXX XXXX Services. After reviewing the letter, I noticed a number of inaccuracies, issues and concerns. 1. This account DOES NOT BELONG TO ME. 2. I was only provide a description line that included the date of alleged service ( s ), name of the alleged original creditor, alleged invoice #, alleged original balance, alleged current balance and alleged account number ( s ), 3. I was not provide with an invoice nor a breakdown of the alleged fees and or medical charges. 4. I also was not provided a signature of the alleged contract, giving my consent to release my medical information. 5. Per all 3 credit reports from the major reporting bureaus, this collection agency has 2 accounts listed XXXX in the amount of {$680.00} and XXXX in the amount of {$370.00}, in the response sent to me by the agency, only one account was listed and that was XXXX ( copy of letter attached ) further proving great inaccuracies. 6. Due to them withholding information received from a medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because this agency is deceiving me after my request. 7. According to Section 392.101 of the Texas Finance Code, a third party collector, by law, has to obtain a surety bond and file it with the Texas Secretary of State and as of date of the complaint, the agency does not have said bond in place further adding additional consumer infractions. I have made several searches to locate said bond and wasnt able to do so. Because they are reporting several addresses I did multiple searches. In the state of Ohio there are 178 agencies and or collection companies that are legally able to collect in the state of Texas and XXXX and or Account Resolution Services or both were not listed In the city of XXXX there are 38 agencies and or collection companies that are legally able to collect in the state of Texas and XXXX and or Account Resolution Services or both were not listed In the state of Florida there are 280 agencies and or collection companies that are legally able to collect in the state of Texas and XXXX and or Account Resolution Services or both were not listed In the city of Sunrise, there are 3 agencies and or collection companies that are legally able to collect in the state of Texas and XXXX and or Account Resolution Services or both were not listed After further researching this agency even the information I found results in illegal actions on their behalf by bonds being inactive and or closed before any attempts to collect were taken. Principal Name : XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX File Number : XXXX Status : Canceled Close File Date Filed : XX/XX/XXXX Cancellation Date : XX/XX/XXXX Phone : XXXX XXXX : XXXX XXXX XXXX XXXX Bond No : XXXX Principal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MT XXXX File Number : XXXX Status : Canceled Close File Date Filed : XX/XX/XXXX Cancellation Date : XX/XX/XXXX Phone : XXXX XXXX : XXXX XXXX XXXX XXXX Bond No : XXXX Principal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX Nebraska XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX File Number : XXXX Status : Canceled Close File Date Filed : XX/XX/XXXX Cancellation Date : XX/XX/XXXX Phone : ( XXXX ) XXXX XXXX XXXX : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX results are directly from the Texas Secretary of State website. As a result I am demanding that any and all collection activity not only cease and desist but any and all records be PERMANENTLY removed from their records and the original creditor ( s ) records as well ( Original Creditor being XXXX PRIMARY CARE PHYS SW PA ) and most importantly the PERMANENT removal from ALL 3 MAJOR CREDIT BUREAUS and 3rd party reporting agencies/bureaus as well. Failure to do so will result in me to seek further legal actions such as but not limited to filing a written complaint with the Texas Attorney General and the FTC due to known violations of the FDCPA. Upon removal of all records and accounts, I am also requesting that a letter be sent to me at the address given with all actions that were taken for my records. Sincerely, XXXX XXXX
04/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77065	Web
On XX/XX/2018 a certified letter was sent to XXXX ( XXXX XXXX XXXX ) requesting that alleged debts that they reported to the credit reporting agencies and that is showing negative on my credit report be validated. I was requesting validation of these alleged debt since I had no prior knowledge of the alleged debts and because I had no knowledge of the alleged original creditor requesting payment of the alleged debts. I received a response to the validation request ( which is being attached ) and upon carefully reviewing the letter there are a few concerns with XXXX ( XXXX XXXX XXXX ) lack of providing an accurate validation of these alleged debts. In the letters sent by XXXX they blatantly and falsely stated that I was aware of the business that they conduct with doctors who provided services in heath care facilities throughout the country. Prior to this letter I did not have any knowledge of what matter these alleged debts stemmed from. There are inaccuracies with these alleged debts, on my credit reports XXXX is listed once with one account number but two different amounts upon receiving the failed attempt to validate these alleged debts. I received two separate generic letters with different account numbers and alleged balances. After receiving the correspondence from XXXX and being informed that these alleged debts were medical debts it leads me to believe that XXXX did not provided a proper validation to be HIPPA Complaint and this can be an assumable violation of the FDCPA because this company is blatantly withholding and or trying to deceive me after I made a request for a complete validation of the alleged debts. The health insurance portability and accountability act ( HIPPA ) sets the standard for sensitive patient data protection. Companies that deal with protected health information ( PHI ) must have physical, network and process security measures in place and follow them to ensure HIPPA compliance. Covered entities anyone providing treatment, payment, and operations in healthcare and business associates and anyone who has access to patients information and provides support in treatment, payment, or operations must meet HIPPA Compliance. Other entities, such as subcontractors and any others business associates must also comply. I never gave XXXX any consent to have any privy to any of my medical records nor did I provide a signature to any consent records that would allow XXXX to access my medical records. In XXXX failed attempt to validate this alleged debt their letter only gives 1. An alleged service date, 2. Alleged Creditor name, 3. Alleged balance and lastly alleged account numbers yet they did not provide an alleged signature of the alleged contract nor a breakdown of the alleged medical charges. After receiving XXXX ( XXXX XXXX XXXX ) correspondence it lead me to due further research of this company which after searching the Texas Secretary Of State website I was enlighten that XXXX is not an bonded Debt collector in the State Of Texas Section 392.101 Of the Texas finance code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the office of the secretary of State. As of date XXXX has no bonding with the Texas Secretary of State that permits them to collect a debt in the State of Texas. For this reason, Im adamantly requesting that all collection attempts cease and desist for these alleged debts. Lastly, Im again adamantly demanding permanent removal of these alleged debts from XXXX ( XXXX XXXX XXXX ) records and the alleged original creditors records and most importantly Im demanding removal of these alleged debts from all Major and 3rd party credit reporting agencies and bureaus. If this matter is not properly handled I will seek all legal remedies and actions that are available to me, such as but not limited to filing a written complaint with the Texas Attorney General. Im also requesting that any actions that are taken regarding this matter be sent in a correspondence for my records. I deny any acknowledgment or ownership of these alleged debts and again demand that this matter is fully resolved in a timely matter. Best Regards, XXXX XXXX
03/30/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22031	Web
On XX/XX/XXXX, I fell unconscious and was transported by ambulance from my dorm at XXXX XXXX University to XXXX XXXX Hospital in XXXX Virginia. I was treated for XXXX XXXX ( I was diagnosed with XXXX XXXX XXXX in XXXX ). On the evening of XX/XX/XXXX, I was treated in the emergency room and then moved to the intensive care unit, where I remained until XX/XX/XXXX. On XX/XX/XXXX, I received a collection notice for {$1800.00} from Healthcare Revenue Recovery Group ( HRRG ). On XX/XX/XXXX, I sent a letter to HRRG disputing the debt because I never received a bill or any correspondence for a debt of {$1800.00}. I also requested the full name and address of the original creditor. As of XX/XX/XXXX, I have never received a call or any written correspondence from HRRG or the original creditor. On XX/XX/XXXX, I received a second collection notice for {$1500.00} from Healthcare Revenue Recovery Group ( HRRG ). On XX/XX/XXXX, I sent a letter to HRRG disputing the debt because I never received a bill or any correspondence for a debt of {$1500.00}. I also requested the full name and address of the original creditor. As of XX/XX/XXXX, I have never received a call or any written correspondence from HRRG or the original creditor. On XX/XX/XXXX, my mom and I called HRRG and spoke with XXXX XXXX. I asked for the full names of the XXXX creditors. XXXX gave me the name of XXXX XXXX XXXX XXXX, the second notice, but did not confirm the full name of the other company. She did not give me any contact information for the two companies but promised to send me the information. I have never received contact information for either company. XXXX told my mom and me that the bills from the two companies were now combined under the same reference number. I asked whether claims had been submitted to XXXX XXXX, and XXXX stated that they implying XXXX XXXX submitted a claim for a {$1500.00} charge. XXXX had the information from my military ID because she read off my DoD ID number. My mom explained that the claim needed to be filed under the DoD benefits number, not the DoD ID number. XXXX told my mom and me that she would resubmit the DoD benefits number through the provider. On XX/XX/XXXX, my mom and I called HRRG and spoke with XXXX. I again asked to confirm the full name of the second company, XXXX XXXX XXXX. I asked whether the creditor had closed the debt of {$1800.00}, and XXXX said the debt had not been closed. She stated that XXXX XXXX XXXX had filed a claim with XXXX on XX/XX/XXXX. My mom asked whether I had been reported to credit agencies, and XXXX said that I had not been reported. On XX/XX/XXXX, my mom and I spoke with a rep from XXXX XXXX and confirmed that XXXX had paid in full the charges of {$1500.00} from XXXX XXXX. My mom asked if XXXX XXXX had received a claim from XXXX XXXX XXXX, and the XXXX XXXX said that XXXX XXXX XXXX had filed no claims. The XXXX rep put my mom in touch with the XXXX debt collection liaison, who would work on repayment of the charges with HRRG. On XX/XX/XXXX, I mailed a Priority Mail letter to XXXX XXXX XXXX and sent a copy to HRRG. I explained that XXXX XXXX XXXX never sent me a bill for emergency medical treatment. I explained that I checked, and XXXX XXXX XXXX had not filed a claim with my insurer, XXXX XXXX. I highlighted that XXXX XXXX XXXX actions are a violation of the XXXX of Virginia XXXX, which prohibits balance billing for emergency XXXX XXXX. On XX/XX/XXXX, I tried to access the HRRG website to see if anything was resolved. However, I could not access the website because I didnt have a PIN, and there was no PIN posted on either bill from HRRG. On XX/XX/XXXX, my mom and I called HRRG and spoke with XXXX. We asked for the original creditors contact information. XXXX did not give us the information and said someone would provide the contact information soon. My mom asked XXXX when I would receive the contact information, and XXXX told my mom to be patient. My mom asked whether XXXX XXXX XXXX had filed a claim, and XXXX said they had. My mom told XXXX that XXXX XXXX didnt have a record of the claim, and XXXX said the claim was paper and that we needed to be patient. I asked XXXX for my PIN to access the HRRG site, and she gave me the PIN.
04/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32703	Web
ARS account resolution has 3 separate collections on my credit report for a company, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I did not recognize this company so I looked them up on the internet and found that it is a large group of doctors with different specialties. I found that I could request a letter of validation from ARS, the collection agency, which I hoped would clear this up for me. What I received from ARS was a letter stating exactly what was on my credit report-the name of the company, the amount they said I owed and the date listed on my credit file. For me to know if these are legitimate charges, l needed to know the specific information-like the name of the doctor that they were billing me for, the actual date of service that I received treatment, where I received treatment and for what. I understand some medical information is proprietary but if they are billing me, I should have the right to know. I filed a complaint with the credit bureaus because I can not get additional information to verify I owe these 3 bills. The credit bureau say they can not be removed because of information they received from ARS. But what information are the receiving? The dates opened is all I have-XXXX, XX/XX/XXXX and XX/XX/XXXX. During that time, I did not have medical insurance and the only place I could think of that I wouldve gone for medical treatment is XXXX XXXX, now XXXX XXXX. But when I went there for treatment in the XXXX, I qualified for their Charity Program. I contacted XXXX XXXX financial assistance department and found that when they approved me for the Charity program, I owed the hospital, the treating doctors, any labs or department any money related to each visit. I asked the representative XXXX XXXX, if she had ever heard of XXXX XXXX XXXX XXXX XXXX XXXX and she advised me that they were the billing company for the XXXX doctors. I explained the situation and she said that if I was being billed by them for my visits to the XXXX l should not be because l qualified for the Charity Program for 3 visits close to those dates. She sent me copies of the approval letters and told me if it was the doctors from XXXX I needed to send them a copy of the approvals so they could reverse the charges. There were so many numbers for this company and the dates were close but because ARS refused to give me specific information, I didnt know what to do. So, I do what I often do, I just got frustrated and stopped. I have mental health issues and I have a hard time following through when I feel too overwhelmed. The XXXX and XXXX causes me to shut down. I just filed another complaint with XXXX through XXXX XXXX and was denied again. I am afraid that sending the approval letters will cause me more issues than l can deal with right now. Ive read about the horrible things that collection agencies do. I called ARS and asked for specific information and I was rudely directed to their website to look up the 3 collections, the lady was not very nice and eventually hung up on me. Their website says nothing more than the credit report. I started looking at my credit reports that I have printed and noticed that the first time I saw ARS on my report was XX/XX/XXXX along with a multitude of other collection agencies collecting for XXXX XXXX in varying amounts. The next report I had a copy of was XX/XX/XXXX and there were now 2 ARS collections listed but some of the other collections were just gone. The last one I copied was XX/XX/XXXX and thats when I saw 3 ARS COLLECTIONS but the others were all gone. So at this point, I have no idea if ARS was collecting for 3 visits to the XXXX or if ARS had somehow taken over the other collections that were smaller and now changed dates for them to drop off my report. I dont know what to do. I dont know if these are my bills because I can not get ARS to give me specifics. I dont know if they bought other collections and combined them and dates have been changed. I need help from someone because I dont know how to get the credit bureau to understand and ARS is not helping. But I do have the letters from XXXX XXXX letting me know I was approved for their charity program 3 times. Please help me.
01/31/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	UT 84041	Web
I received a call on XX/XX/XXXX that lady was rude and very unprofessional saying my payment didn't go through and I told her that I want the original documents or debt validation before I pay anything she told me to hold on she had to get a supervisor to send that request then I get a email and that letter they sent me wasn't anything to prove the debt no original documents or validation of the debt so I called the original creditor XXXX hospital and told them the account number on the letter XXXX sent me that has the original creditor account number and they had no record of that account number on file and I ask if I have any bills in collection wit them and the lady I spoke to said i do i have 3 and the creditor is XXXX XXXX XXXX not XXXX and the 3 that I do have in collection with them are not even close to the amount that XXXX is asking for they asking XXXX and that's amount is no where on my credit. Once I got off the phone. with XXXX hospital I called XXXX back and once again the lady was so rude and I told her the information I got from XXXX hospital and ask her once again to send me the original documents or debt validation and she told me the same thing that she had to ask her supervisor and they sent the same letter and all it says in the letter is that I owe XXXX XXXX by XX/XX/XXXX I told her im not going to pay anything to them tell I receive the original documents or debt validation that they have failed to provide to me and she said if they do not receive a payment by the time they close that they would take further action and sue me and take me to court I told her go ahead and serve me and once they do then my lawyer will take of it and after I said that she said whatever and hung up on me and I didn't hear anything from them for two days then they called me 7 times yesterday XX/XX/XXXX I didn't answer cause I ask then to not contact me until I received the original documents or debt validation and then today XX/XX/XXXX I received a call at XXXX XXXX and I was unable to answer the phone and then they didn't leave a message and I got yet another call at XXXX XXXX and I answered the call and the lady was once again so rude she said that I need to make a payment and I told her im not making any kind of payment until I received the original documents or debt validation and she started being more rude and yelling me telling that I was lying and no one there at XXXX would ever tell me that they would send the original documents cause they DO NOT have them i told her to check her recorded call and get all her information right before she calls me being a XXXX and I was trying to explain what the hospital said and she kept talking over me and yelling telling me im lying I got so mad cause I have been dealing with rude disrespectful employees of XXXX for the last week or two and I told her she can't call me being a XXXX and just think its ok and talking over everything I said and im a lier so I hung up on her and she called right back still talking over me and I told her to stop calling me until I received the original documents or debt validation. And she told me that she can't send me any of those documents im asking for so I know its my bill since the hospital has not record of the account number or the amount they r asking for and she still was being a XXXX and talking over me wouldn't listen to anything I had to say then she told me if I don't make a payment they were going sue me for XXXX not the XXXX and have me put in jail for failure to pay my medical bills I told her to please do whatever she thinks she needs to but until I received the original documents or debt validation im not paying a cent and she ask me for my lawyer information I told her im not giving her any more information until I have the original documents in my hand and to stop calling me all day long and calling my family members about this and being rude to them and I hung up and she called me 3 more time but I didn't answer I have hit my breaking point with these rude nasty disrespectful employees
04/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30016	Web
This is the response to CFPB Compliant # XXXX. Your response to my previous compliant was unacceptable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX Re : Accounts : XXXX and XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm 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. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX
07/29/2020	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 34953	Web
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.
07/20/2020	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	FL 34983	Web
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.
07/29/2020	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
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.
10/23/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH XXXXX	Web
ARS # XXXX, I need to see documentation that Account Resolution Services has my signature that authorizes them to even have a copy of my medical records. I do not wish to do business with they company concerning my Medical debt and they can return my records back to the Dr Office this is a HIPPA ACT violation. I understand that a contract exists between me and the 1st party, but what obligation do I have at all to these everchanging array of 3rd parties? I have never heard of them, have no written contract with them and never received any benefit from them. I do not see them being in compliance with basic standard of 1319.12 ORC OHIO LAW ( A ) ( 1 ) As used in this section, " collection agency '' means any person who, for compensation, contingent or otherwise, or for other valuable consideration, offers services to collect an alleged debt asserted to be owed to another. ( 2 ) " Collection agency '' does not mean a person whose collection activities are confined to and directly related to the operation of another business, including, but not limited to, the following : ( a ) Any bank, including the trust department of a bank, trust company, savings and loan association, savings bank, credit union, or fiduciary as defined in section 5815.04 of the Revised Code, except those that own or operate a collection agency ( b ) Any real estate broker or real estate salesperson, as defined in section 4735.01 of the Revised Code ( c ) Any retail seller collecting its own accounts ( d ) Any insurance company authorized to do business in this state under Title XXXIX of the Revised Code or a health insuring corporation authorized to operate in this state under Chapter 1751. of the Revised Code ( e ) Any public officer or judicial officer acting under order of a court ( f ) Any licensee as defined either in section 1321.01 or 1321.71 of the Revised Code, or any registrant as defined in section 1321.51 of the Revised Code ( g ) Any public utility ( h ) Any person registered to sell interment rights under section 4767.031 of the Revised Code.B ) A collection agency with a place of business in this state may take assignment of another person 's accounts, bills, or other evidences of indebtedness in its own name for the purpose of billing, collecting, or filing suit in its own name as the real party in interest. ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. account, bill, or other evidence of indebtedness with the collection agency for collection. ( 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. ( 4 ) Upon the effective date of the assignment to the collection agency, the creditor 's account maintained by the collection agency in connection with the assigned account, bill, or other.
09/11/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33179	Web
XXXX XXXX XXXX ARS Account Resolution account number # # # # # # XXXX ending in XXXX in the amount of {$350.00} has violated my rights. ARS Account Resolution account number # # # # # # XXXX ending in XXXX in the amount of {$1600.00} has violated my rights. President Bush recently signed into law the Fair and Accurate Credit Transactions Act ( FACTA ) of 2003 ( PL 108-159, 12/04/03 ). FACTA amends the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., intended to promote accuracy in consumer reports and to ensure the privacy of the information contained in such reports. The Federal Trade Commission ( FTC ) is required by the law to issue regulations this year to implement many of the new provisions of the FCRA. In addition to provisions allowing consumers free credit reports annually and provisions to help prevent identity theft, FACTA limits the use and sharing of medical information in the financial system. Medical information is defined in 411 of FACTA as : ( 1 ) information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to- ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. However, medical information does not include a consumers age or sex, or demographic information such as a consumers residence or e-mail address, or any other information that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. See id. With limited exceptions, consumer reporting agencies are prohibited from furnishing reports containing medical information. A consumer must affirmatively consent to the furnishing of a report containing medical information where the report is furnished in connection with an insurance transaction. Where a report is furnished for employment purposes or in connection with a credit transaction, any medical information furnished must be relevant to the employment or credit transaction and the consumer must provide specific written consent for disclosure of the medical information. Further, the consent must clearly and conspicuously describe the use for which the medical information will be furnished. Note that the definition of medical information includes the payment for the provision of health care to an individual. However, an exception allows reporting of transactions, accounts, or balances relating to debts arising from the provision of medical services if the name of the health care provider is reported using codes that do not identify the provider or the nature of the medical services provided. In addition to regulating consumer reporting agencies, FACTA also limits creditors ability to obtain or use medical information in connection with determining a consumers eligibility for credit. See FACTA 411. FACTA will also require health care providers or their agents who furnish medical information to a consumer reporting agency to advise the FTC that they are medical information furnishers. Such health care providers will be required to use codes when reporting health care debt to consumer reporting agencies. Such codes must not identify the specific provider or the nature of the medical services provided to the consumer. See FACTA 412. One criticism of FACTA is that the law preempts states from passing stricter laws to even better protect consumers. Also, a single comprehensive federal medical privacy law would have been preferable to the current patchwork of legislation including FACTA and HIPAA ( Health Insurance Portability and Accountability Act ). Nonetheless, FACTA represents another important step in further protecting confidential medical information.
06/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 43147	Web
ARS # XXXX I need to see documentation that Account Resolution Services has my signature that authorizes them to even have a copy of my medical records. I do not wish to do business with they company concerning my Medical debt and they can return my records back to the Dr Office this is a HIPPA ACT violation. I understand that a contract exists between me and the 1st party, but what obligation do I have at all to these everchanging array of 3rd parties? I have never heard of them, have no written contract with them and never received any benefit from them. I do not see them being in compliance with basic standard of OHIO LAW ( A ) ( 1 ) As used in this section, " collection agency '' means any person who, for compensation, contingent or otherwise, or for other valuable consideration, offers services to collect an alleged debt asserted to be owed to another. ( 2 ) " Collection agency '' does not mean a person whose collection activities are confined to and directly related to the operation of another business, including, but not limited to, the following : ( a ) Any bank, including the trust department of a bank, trust company, savings and loan association, savings bank, credit union, or fiduciary as defined in section XXXX of the Revised Code, except those that own or operate a collection agency ( b ) Any real estate broker or real estate salesperson, as defined in section XXXX of the Revised Code ( c ) Any retail seller collecting its own accounts ( d ) Any insurance company authorized to do business in this state under Title XXXX of the Revised Code or a health insuring corporation authorized to operate in this state under Chapter 1751. of the Revised Code ( e ) Any public officer or judicial officer acting under order of a court ( f ) Any licensee as defined either in section 1321.01 or 1321.71 of the Revised Code, or any registrant as defined in section 1321.51 of the Revised Code ( g ) Any public utility ( h ) Any person registered to sell interment rights under section 4767.031 of the Revised Code.B ) A collection agency with a place of business in this state may take assignment of another person 's accounts, bills, or other evidences of indebtedness in its own name for the purpose of billing, collecting, or filing suit in its own name as the real party in interest. ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 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 codebtors. ( 4 ) Upon the effective date of the assignment to the collection agency, the creditor 's account maintained by the collection agency in connection with the assigned account, bill, or other.
05/13/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 37801	Web
I'll provide as much information as possible to make my story clear. My name is XXXX XXXX. On XX/XX/XXXX, I was admitted to the ER and was treated and discharged the same day. I have insurance with XXXX, and I was later billed. I received a bill on or around XX/XX/XXXX from HCFS Healthcare Financial Services. The bill shows the following : ER Visit, Provider : XXXX XXXX XXXX, MD, debits {$500.00} on XX/XX/XXXX. The bill also shows " contractual adjustment '', a credit, of {$420.00}. This appears to be the medical insurance covering a portion of the bill ( XXXX is my medical provider ). The remaining amount due was listed as {$79.00}. I prompted paid the bill with my Health Savings Account ( HSA ) on or around XX/XX/XXXX, with a confirmation number of # XXXX. I assumed the debt was settled in full at this point. Approximately 2 years later, I am notified by my parents that they received a threatening letter stating that they ( HRRG, to be later named below ) would proceed with judgement ( lawsuit ) if I did not settle or dispute the debt within 30 days. This letter was dated XX/XX/XXXX, approximately 2 years after the debt was paid in full ( in my opinion ), without me being noticed of any subsequent action taken by either the insurance company, the hospital, the doctor, or any other party. I contacted the company Heathcare Revenue Recovery Group, LLC ( debt collector, also referenced above as HRRG ) on XX/XX/XXXX via my cell phone at approximately XXXX XXXX EST. I spoke to an individual that refused to accept my documents related to the bill I had paid and continued to threaten legal action. I requested a supervisor and discussed my documents and understanding of the bill calmly with her. She advised me to send in the documentation and they would review and return my phone call if any further action was needed. I explained that I would pay the bill, if they provided me a document showing why I owed the amount, and why it was different from the bill I had previously paid. We ended the call with my assumption of the debt being settled unless I heard back from them. I was not contacted again by the company until XX/XX/XXXX at approximately XXXX XXXX EST, where an individual began the same type of conversation about the debt and he explained that they ( HRRG ) have sent all the necessary documents, but would not reveal where they had been sent. I have only received the original bill ( mentioned in the first paragraph ) and the final demand letter, which threatened judgement ( mentioned in the second paragraph ). The individual explained that they would send me a letter ( showing the justification for the debt ) within 5-10 business days, which is something that I requested almost 30 days ago ( on XX/XX/XXXX ). I do not feel that I owe this debt, I feel that this debt is not valid, furthermore I feel that 30-40 days is an unreasonable due diligence timeline for a debt collection company ( HRRG ) that falls under regulation by the Consumer Financial Protection Bureau ( CFPB ). If the company has already sent the document showing the adjustment, it should only take minutes to reprint and send to me. To which I would expect to see the date of the alleged adjustment and justification for the difference in the discrepancy of the two bills. To advise a consumer to wait an additional 10 days, leaves me further worried that they will stall in sending the validation letter in order to proceed with judgement. I currently have no debt with any individual or company and a well above average credit score. I feel that these threats made towards me are unwarranted and unjustified. I will gladly settle any balance owed, if I can validate the money owed is in fact due to an insurance adjustment, that I will need to validate with the company, XXXX. Thank you for your time and investigation into this matter.
05/25/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NC 28411	Web
A debt validation letter was sent via certified mail to ARS Account Resolutions in XXXX of XXXX. The document arrived on XX/XX/XXXX and was verified dropped off with a person. A copy of the sent letter is provided on this complaint. In the letter, I requested Validation NOT VERIFICATION of the debt reported on my credit report. In this packet, I requested information I am legally allowed to obtain. Additionally, a cease-and-desist letter was included requesting no further contact be made by telephone to myself or my employer and that all communications must been sent in writing to my address. The company responded by letter requesting more information as they did not have enough in the initial letter to investigate the account. A second copy of the Validation letter was sent to the company via certified mail to the company on XX/XX/. The document arrived XX/XX/. A copy of this letter is provided as well, showing the updates with amount claimed as well as an account number. The company responded in writing with a verification letter, however. NOT A VALIDATION. I reached out to the company on speaker with my attorney present, asking the company to provide the VALIDATION information requested. The first time, I spoke to an employee named XXXX or XXXX. I provided my account information 4 times, and the employee told me that if I did not provide the account information, he would not help me and hung up on me. The second call, I spoke to XXXX who was very professional. XXXX was informed this call would be recorded on my end as well. My attorney was also present on office while the call was on speaker. I was informed that I had to email my requests. The company had received two written letters as well as a cease and desist via writing. Email of the same forms is not valid and shows an attempt to dismiss the receival of the documents. You can also hear on the call the employee state that certified mail was received. The company not only failed provide the Validation requested in the time required by law, but they refused to acknowledge the request for validation, after it was clearly stated in not one, but two documents sent that I was not requesting Verification. Additionally, the company contacted me by phone on XX/XX/ at XXXX XXXX. This was a violation of the cease-and-desist letter I had sent the company as it clearly stated that I could not be contacted via phone. A recording of the voicemail left is saved and clearly states the employees name, they work for ARS Account Resolutions and " This is an attempt to collect a debt by a debt collect '' message on the voice mail. Under FDCPA, I am able to file suit for violation of the cease-and-desist order. Additionally, Failure to provide validation at my request is a violation of the Fair Debt Collection Practices Act, 15 USC 1692g. I, as well as my legal counsel, have been in contact with a group of individuals who have also experienced these issues and ALSO have them well documented. Account number listed on my credit is XXXX. Claimed amount is {$1200.00}. Copies of the certified mail slips will be given to the courts should legal action occur. Please note that the final page states " You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form 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. ARS Account Resolutions received this document twice and refused the terms written.
10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77096	Web
Potential Legal Ramifications of Disclosing Medical Data on a Credit Report, I am writing to demand the removal of medical accounts on my credit report. The 2 accounts reporting are from Ars account resolution As a consumer who values the protection of personal information, I believe it is important to highlight the potential legal ramifications associated with the inclusion of medical information in credit reports. As you may be aware, various federal and state laws govern the privacy, security, and appropriate use of medical information. These laws include but are not limited to the Health Insurance Portability and Accountability Act ( HIPAA ), the Fair Credit Reporting Act ( FCRA ), and state-specific laws governing medical privacy and consumer rights. It is essential to consider these legal frameworks to ensure compliance and protect the rights of consumers. HIPAA : HIPAA regulates the privacy and security of protected health information ( PHI ). Disclosing medical data on a credit report without the consumer 's explicit consent could potentially violate HIPAA 's privacy provisions. Healthcare providers, insurance companies, and other entities covered by HIPAA must be cautious about sharing medical information without the necessary legal authorization. FCRA : The FCRA regulates the reporting and use of consumer credit information by credit reporting agencies. it is generally understood that the inclusion of medical data in credit reports could raise concerns about fairness, accuracy, and potential discrimination. Credit reporting agencies are encouraged to exercise. There is also the issue i did not give consent, written instruction or permissible purpose to share this information. Regulatory Enforcement Actions : Regulatory agencies such as the FTC and federal banking agencies can initiate enforcement actions against financial institutions for GLBA violations. These actions can result in cease and desist orders, fines, and other corrective measures Including but not limited to civil penalties, injunctive relief and jail time. Failure to comply with the applicable laws and regulations regarding the disclosure of medical information on credit reports may result in legal consequences, including but not limited to : a. Legal action from affected consumers, including potential claims for privacy violations, damages, and injunctive relief. b. Investigations and enforcement actions by federal and state regulatory agencies, such as the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state attorneys general, HHS and OCR c. Reputational damage, which can adversely affect the credit reporting agency 's standing in the industry and its relationships with consumers, businesses, and other stakeholders. Given the potential legal and reputational risks involved, I strongly urge you to exercise diligence and caution when it comes to the disclosure of medical data on credit reports. Prioritize compliance with applicable federal and state laws, conduct thorough reviews of reporting practices, and implement robust security measures to protect the privacy of consumers ' personal information. These are hefty violations with serious and expensive penalties and fines, I hope you will give due consideration to this matter, as it concerns the rights and privacy of consumers. I am prepared to seek legal remedy under Fcra, fdcpa, glba Hippa, ETFA and all applicable privacy and state laws if items are not deleted. I would also like to make it know this company does not have a certificate of authority to transact business in the state and this is a breach of the arbitration agreement. Thank you for your attention to this important issue. I only ask that the information is deleted and never reported again Sincerely,
12/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44146	Web
I have repeatedly tried to fix this problem with XXXX XXXX XXXX. 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.
12/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44146	Web	Servicemember
I have repeatedly tried to fix this problem with XXXX XXXX XXXX. 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 non of the information I requested.
04/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30016	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX RE : Account # Alleged Balance owed of XXXX and XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { 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 can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : 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. Best Regards, XXXX XXXX XXXX
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web	Servicemember
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( or ) XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ARS ACCOUNT RESOLUTIONS Account Number : XXXX Original Creditor : XXXX XXXXG XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Dear XXXX, XXXX, XXXX , and XXXX XXXX XXXX/ARS Account Resolutions, I am writing to dispute the inaccuracy of the information contained in my credit report regarding the original creditor, XXXX XXXX XXXX/ARS Account Resolutions, and the associated account number XXXX, which is displayed twice. This collection account is reported as open with a past due balance of {$1400.00} on both accounts. However, the account is only shown on XXXX and not on XXXX or XXXX, creating a significant discrepancy between the credit bureaus. According to the federal Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. This inaccurate reporting is negatively impacting my reputation, character, and ability to qualify for new credit. The discrepancies between the credit bureaus are creating an unfair and inaccurate representation of my creditworthiness. I kindly request the immediate removal of this account from my credit report and ask that you provide me with a copy of my updated credit report reflecting the removal of this account. Additionally, I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( HIPAA ) authorization. Please be aware that this is not a request for verification or proof of my mailing address, but a formal request for validation as outlined in the Fair Debt Collection Practices Act ( FDCPA ). I would like the debt validation to include an agreement, an original bill, and a detailed statement of procedures, if applicable. I also request a breakdown of fees, including any collection costs and medical charges, if applicable. Furthermore, I require a copy of my signature on file with the provider of services to release my medical information. Additionally, please provide a report of comparative analysis between the questionable signature and the signature recognized by the alleged signer, if applicable. Lastly, I request an affidavit signed under the Penalty of Perjury stating that your organization has not violated any provisions of the FCRA, FDCPA, and HIPAA. I will be submitting a police report regarding this fraudulent activity. Please note that the Notice to Furnishers issued by the Federal Trade Commission specifies your responsibilities when receiving notice from a CRA, under section 605B of the FCRA, that the information provided to the CRA may be the result of identity theft. These responsibilities include ceasing to provide inaccurate information to any CRAs and refraining from selling or transferring fraudulent debts to another party for collection. Furthermore, I believe that Paragon Contracting SVC/ARS Account Resolutions, as the furnisher of this information, and XXXX, as the credit bureau , are unreliable sources. Their inconsistent reporting raises serious questions about their accuracy and reliability. Therefore, I formally request a thorough reinvestigation of this matter. I kindly request the removal of this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
07/15/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73127	Web
you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. as per both accounts in your system I sent, dispute on XX/XX/2018, certified letter -track number XXXX XXXX XXXX XXXX XXXX then made copies of reports then placed dispute 60 days later with all credit reports Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on [ insert date ]. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) You will be required to appear in a court venue local to me, in order to formally defend yourself
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34952	Web	Servicemember
Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is crucial for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. As XXXX, XXXX, and XXXX are consumer reporting agencies, and I am a consumer, I am deeply concerned about the impact on my privacy rights and the negative consequences resulting from the reporting of this account. Furthermore, 15 USC 6801 establishes the policy that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and safeguard the security and confidentiality of their nonpublic personal information. The entity furnishing information to credit agencies, being a financial institution under this definition, is bound by this policy. Therefore, it is imperative that the reporting of this account, which jeopardizes the privacy and security of my personal information, be rectified immediately. Moreover, 15 USC 1681 section 604 ( a ) ( 2 ) restricts consumer reporting agencies from furnishing consumer reports without the explicit written instructions of the relevant consumer. It is crucial to note that neither XXXX, XXXX, XXXX nor the aforementioned entities, have obtained my written consent to furnish my personal information. Consequently, the reporting of this account is in direct violation of this provision. Additionally, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer has been informed about their right to exercise the option of nondisclosure. Unfortunately, I was not properly informed of this right by the entity furnishing information to credit agencies. This failure to comply with the FCRA regulations further compounds the negative impact on my quality of life. Furthermore, XXXX XXXX XXXX ( a ) ( XXXX ) clearly states that consumer reporting agencies are prohibited from including any adverse information, except for records of convictions of crimes that antedate the report by more than XXXX years. However, the reporting of this account as an adverse item without my permission is a direct violation of this provision, exacerbating the harm caused by its inclusion on my credit report. In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) A explicitly prohibits the furnishing of inaccurate consumer information to any consumer reporting agency. It is essential to rectify this situation promptly to ensure compliance with the FCRA and mitigate the negative consequences that have resulted from the reporting of this account. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of the FCRA, and limit the furnishing of consumer reports to the purposes listed under section 1681b. Regrettably, it appears that XXXX, XXXX and XXXX have not upheld these obligations, as reasonable procedures have not been maintained, leading to the adverse impact on my quality of life. Given the aforementioned violations of the FCRA and the considerable negative impact this account has had on my life, I urgently request that you take immediate action to remove this account from my credit report. Doing so will help alleviate the burdens I have been facing and restore a sense of stability to my financial well-being. I kindly request a written response acknowledging the receipt of this letter and providing a detailed plan of action to rectify the situation. Your prompt attention to this matter is greatly appreciated. Thank you for your understanding and cooperation. Sincerely,
03/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30344	Web
Account Resolution Services XXXX XXXX XXXX XXXX, FL XXXX RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York State medical privacy rules . I also hereby reserve my right to take private civil action against you to recover damages. I have asked for : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me In your response, you have failed to provide such information within 30 business days. According to the FDCPA and HIPAA Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights. I have received your response which is attached in documents uploaded and you have not met the requirements I asked for which is not properly validating the debt so this ACCOUNT MUST BE DELETED IMMEDIATELY.
01/28/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34221	Web	Servicemember
One XX/XX/XXXX I filed the following complaint with the XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent by Certified mail ( see attached ) a individual letter for each account held by the company for the following amounts {$670.00}, {$1600.00}, {$930.00}, {$1300.00}, and, {$630.00} ( see attached ) asking for validation of debt. This is five separate accounts they are reporting and alleging I owe. According to the USPS tracking, XXXX XXXX XXXX ( " XXXX '' ) received the letters, which were sent all in one envelope. As of the date of this complaint, XX/XX/XXXX, they have not validated the debt. They do not list the date of debt on any of the credit reporting agencies and I do not have a method validating any of the debt as mine. I asked for validation within 30 days. I have provided XXXX extra time given the holiday break with XXXX and XXXX XXXX. I attached 1 through six attachments. As a result, this was XXXX XXXX XXXX ( XXXX ) answer : We have reviewed our records in this matter, and find the following. XXXX XXXX XXXX XXXX moved from the address the consumer sent the validation request to in XX/XX/XXXX. Our address has been updated with each of the credit bureaus, however, several credit monitoring services, such as XXXX XXXX have not updated their records. Due to the fact that the request was sent to an incorrect address, we did not receive it, or have an opportunity to respond to it. The consumer also mentions that the date of the debt ( s ) is not available, which also leads us to believe the consumer is obtaining her information from a third party, rather than the bureaus directly. Our office routinely provides each of the credit bureaus with the date the account was listed with our office, and the delinquency date of the account. Prior to the receipt of this complaint, we have received no correspondence from the consumer either directly or indirectly. We also have not been informed of any disputes filed directly with the credit bureaus. We have reviewed the accounts with our client, and have verified that the information being reported is accurate. We have flagged the accounts to be reported as in dispute. We have requested that validation be sent to the consumer at the address provided in this complaint. As required, the validation will include the name of the original creditor ( s ), the dates of service in question, and the current balance of the accounts. I stated the following resolution would be acceptable. 1 ) The account to be closed and collections to be stopped immediately. 2 ) Collections to be ceased now and in the future 3 ) Collections be removed from being reported all credit reporting agencies. XXXX stated uncorrect facts. I only use XXXX and XXXX. ( See attached # 7 for XXXX ) You can see from directly from my credit report the address directly from XXXX credit report the address is the address is what was the address that the certified letter was sent to and the accepted. The ONLY accepted resolution will now be the original resolution at this point. They have not updated any addresses to the credit reporting address, if they have moved to the CRAs. They have in their response attempted to deceive the CPFB and me as a consumer. XXXX has attempted to deceive the consumer and CPFB by not giving the correct information to validate the debt. Please note I have removed a lot of my sensitive information and non-relative information from my credit report. Items not pertaining to this complaint. I will also be sending this information over to the CRAs and my attorney. The name my accounts are under is in the attachments as it in my maiden name.
08/26/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33569	Web
Healthcare Revenue Recovery Group sent me a document in the mail claiming that I owe a debt. Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692b, it states, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall - ( XXXX ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( XXXX ) not state that such consumer owes any debt ; ( XXXX ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( XXXX ) not communicate by post card ; XXXX XXXX XXXX not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and ( XXXX ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. Pursuant to the FDCPA, specifically 15 USC 1692e, it states, A debt collector may NOT use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( XXXX ) The use of any business, company, or organization name other than the true name of the debt XXXXollectors business, company, or organization. Pursuant to the FDCPA, specifically 15 USC 1692f, it states, A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Pursuant to 15 U.S.C. 1692k - ( a ) Except as otherwise provided by this section, any debt collector who FAILS to comply with any provision of this subchapter with respect to any person is LIABLE to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. I sent an invoice for XXXX Federally protected consumer right violations under the FDCPA. Attached is the communication I received highlighting all the violations conducted against me and proof. This is a clear violation of the law and is not equitable or fair to me, the consumer.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45424	Web
THIS IS NOT A DUPLICATE COMPLAINT *THIS IS IN RESPONSE TO COMPLAINT # XXXX Account Number : XXXX Dear XXXX XXXX XXXX, I hope this letter finds you well. I am writing to you as a final attempt to resolve the matter regarding the account [ Account Number : XXXX ] that you have reported on my credit report. This letter serves as official notification that unless the aforementioned account is promptly removed from my credit report within four ( 4 ) business days, I will have no choice but to pursue legal action against Account Resolution Services, LLC ( ARS ) for multiple federal violations, including aggravated identity theft pursuant to 18 USC 1028A, as well as extortion, theft by deception, securities fraud, and mail fraud. Despite my previous attempts to communicate with ARS regarding this matter, no satisfactory resolution has been achieved. I have consistently requested trilateral contracts between ARS, the original creditor, and myself, which are necessary to validate the existence and accuracy of the alleged debt. To date, ARS has failed to provide any such documentation or proof of their legal authority to collect the debt in question. Furthermore, I am aware that ARS has violated my rights to privacy by obtaining and purchasing my identity information from another party without my consent. This is a clear infringement on my privacy rights and a violation of applicable laws and regulations. I demand an immediate explanation for this action and insist on the removal of my personal information from your records. It is worth mentioning that the account in question relates to medical professionals ' services. However, there is no evidence or documentation provided by ARS that validates the debt prior to reporting it to my consumer credit report. This failure to follow proper debt validation procedures further demonstrates ARS 's negligence and violation of federal regulations. As I stated in my previous complaint, I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). Therefore, I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). Given the gravity of the situation and the numerous federal violations committed by ARS, I demand the immediate removal of the account [ Account Number : XXXX ] from my credit report within four ( 4 ) business days. Failure to do so will leave me with no choice but to pursue legal action to protect my rights and seek appropriate compensation for the damages incurred as a result of your actions. Please be advised that for each violation, I will seek remedy in court and request a compensation of {$1000.00} per violation, as allowed by applicable laws and regulations. I expect a prompt response to this letter within 7 business days from the date of receipt. If I do not receive a satisfactory response within the specified time, I will proceed with filing a lawsuit against ARS to seek legal remedies available under the law. Please consider this letter as my final attempt to resolve this matter amicably before pursuing legal recourse. I strongly advise ARS to act in a responsible and lawful manner by promptly removing the account from my credit report and refraining from any further collection activities related to this debt. Thank you for your immediate attention to this matter. I trust that you will handle this situation with the seriousness it deserves, and I hope that we can resolve this matter outside of the court system. Yours sincerely, XXXX XXXX
07/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23803	Web
I checked my credit report and noticed there were multiple collection accounts from the same collection agency that is not the original creditors. To Whom It May Concern, Under the Fair Credit Reporting Act ( FCRA '' ), Fair Debt Collection Practices Act ( " FDCPA ), Fair and Accurate Credit Transactions Act ( " FACTA '' ) I am exercising my lawful right to request the removal of any trade lines of this account on my credit report, including inquiry records and collection notices being reported to the four National Credit Reporting Agencies ( " CRA '' ) : XXXX, XXXX, XXXX, and XXXX. This request is due to the fact that the above-referenced account is fraudulent and a case of identity theft. I did not put this in writing sooner because I was unaware of the fraudulent activity until I contacted the original creditor. I also received, in writing, a partial debt validation from your agency. Besides, I did not know what recourse was available to me as an identity theft victim. I HEREBY AFFIRM XXXX. I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods, or services described in the account listed above ; XXXX. I did not receive any benefit, money, goods, or services as a result of the events described in the account listed above ; XXXX. I don't know how this fraud happened ; XXXX. I don't know who is responsible for this fraud. The Cantwell-Enzi amendment to the nationally approved FACTA ( effective XX/XX/2004 ) will require compliance with this request within 30 days. Further, credit issuers must provide that documentation and information to a police agency designated by the impersonated party. In lieu of a police report, an official affidavit was filed with the Federal Trade Commission - Case Number : FTC Case Number DEMAND XXXX. Stop the debt collection activity that abusing and harassing me ; XXXX. I am a victim of identity theft and requesting that the tradeline be removed from my credit report. All inaccurate information, invalid marks, and collection notices reported by your agency to any of the National Credit Reporting Agencies must be deleted immediately by your offices. Once resolved, I expect a letter of clearance to be issued within fifteen ( 15 ) days ; XXXX. Do not sell, distribute, trade, exchange, share, donate, giveaway, and/or transfer information about this fraudulent account with any other entity ; XXXX. Finally, remove all my personal information from your company records. Please be advised that continued reporting of this account to the CRA 's as collection items is considered a violation of the State and Federal laws in accordance with the FCRA, FDCPA, and FACTA. If you fail to comply with my demands, I will not hesitate in bringing legal, lawful, and administrative actions against your firm as well as the individuals responsible for damages to my person. I believe you know if I sue your company in Small or District Court, I can recover actual damages, '' including court costs, attorney 's fees, intentional infliction of emotional distress, and other diminishes of the quality of my life. In the case of truly outrageous behavior, I can recover " punitive damages '' meant to punish malicious and/or willful conduct. I declare under penalty of perjury that this declaration is true and correct to the best of my knowledge. Knowingly submitting false information on this affidavit could subject me to criminal prosecution for perjury. I await your immediate action to my demands within fifteen ( 15 ) calendar days from receiving this letter. Regards, XXXX XXXX
02/02/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 48127	Web
I went to a hospital a few months ago for an emergency ( XXXX Hospital, XXXX ) and stayed there for less than a day. The hospital got all the information they asked for including my SSN, address and phone ( I handed them my drivers license ). A few weeks later i received a letter from my insurance company that a portion was paid by the insurance, the letter said that I still need to pay to the hospital {$1700.00}. No problem till here since I was expecting to get a bill from the hospital. But, a few weeks later I received a call from a company called XXXX ( XXXX XXXX XXXX XXXX XXXX ). This company obviously had my phone number and my address ( The information about my address is important in what will come next ). The 1st call, they mentioned the street address where I live asking me for the complete address since this is personal, as they claim, I refused and asked them to send what they want in writing. They called a 2nd time and a third and I kept telling to send me a mail but I didnt get a mail from them. Last time I received a call from a lady, telling me shes from XXXX ( she has a notable accent, close to a british ), she was pressing me to tell her my address since she kept mentioning the street address. I finally did, she said shes a debt collector, that I was in a hospital and that I have to pay {$1700.00}, she tried to make me pay right on the phone call by asking for a credit card and making pay about {$700.00} less ( XXXX ), I said I will pay this on the evening when I come back from work. I did speak to her about my address asking why I am not getting a mail, and I found out that the last digit of my address was XXXX instead of XXXX ( Note there is big difference in the shape of XXXX and XXXX to say that someone had confused those 2 numbers when taking my address ) .I closed the phone. Then I called the hospital ( XXXX XXXX ). They asked for my last name and address to verify me, then I askes them if I there is a bill for me in their system. They said yes and the amount is XXXX. I told them about the call I got from XXXX asking to collect this amount. They replied that they never heard about this company and that my bill was never sent for collection and is still far from that. Then I asked them why I never received a bill from the hospital, they said they sent it to my address. I asked them about the address they have, and to my surprise the last digit of thsi address was XXXX instead of XXXX, same as XXXX, I asked the hospital to modify the address to the right me one and to send me the bill. After a few days I completely paid that hospital and I also received the bill. Now, this company XXXX is keep calling me, and they change the number they call from but I am ignoring them. Today I received a letter from them ( finally XXXX telling me Your promissed payment of XXXX is due, that is it. This company XXXX is obviously a scammer, they somehow were able to get my contact information from the hospital ( Since both had the same, but wrong address ), without the hospital authorization ( this was confirmed by the hospital ). Those people should be put in prison since they are unlawfuly trying tomsteal money from other, using phone calls and pressing people to pay right on the line. I am writing this to help other people to deal with such situation and hoping that someone from the goverment is able to punish people operating this scammmat XXXX. The letter I finally received from XXXX contain their address ( where the payment should go to ) so I hope they can be tracked and punished
07/27/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33141	Web	Servicemember
I was not supposed to billed for any of these medical debts. I am a veteran was never supposed to be billed for any of these medical bills ( there are XXXX from this company, another from another company ). The following copied from the department of veterans affairs website " XX/XX/XXXX, the U.S. Congress provided VA with authorization ( called the Mill Bill ) to pay for emergency care in non-VA facilities for veterans enrolled in the VA health care system. The benefit will pay for emergency care rendered for non-service-connected conditions for enrolled veterans who have no other source of payment for the care. However, VA will only pay to the point of medical stability. There are very strict guidelines concerning these types of claims. Veterans and their non-VA providers should be aware that these claims must be filed with the VA within XXXX days from the last day of the emergent care. " Civilian hospitals are required to notify the nearest VA hospital of an incoming veteran patient within XXXX hours from the time of visit so the VA can either make arrangements for the patient to be transported to the VA facility or to be notified that the veteran can not be transported and they can submit the billing to the VA facility. Each time I was taken to the emergency room whether from friend taking me or the ambulance, I told the medical person with me I was a veteran, some instances I was able to walk to the desk and check in, one time I was transported via ambulance, but that time I told the guy in the truck I am a veteran and even had on a wrist band from the VA hospital I was just leaving from ( I was in a car accident on my way home after a follow-up appt from the VA hospital in XXXX after having a XXXX and was nearly home when the car I was in was struck by a speeding vehicle, I never made it home instead I was taken to the nearest hospital in ambulance. So, about the bills, I never received any actual bills, instead close to a year after the car accident I received a call from a collection company and asked what bill, they gave me several bills I had in collections, I was not aware of any of them because I always thought the VA was billed initially. I explained to the collection company that I was not supposed to have been billed and they offered me to give the Department of Veterans Affairs info to pay the bills, when I called the VA they told me the bills had to have been submitted within XXXX days. I told the collection company that and they told me that I would have to pay then. They could not care less that I was not supposed to be billed. It has been years that I have been back and fourth with the hospital, collection company, other people the hospital tells me to contact. Nobody will man up and remove the bills from my credit. Instead every person I talk to, simply wants me to pay for someone else 's mistake. The staff I have spoken to are pretty rude for the most part as well, especially at the hospital. Please help me to find the responsible party, have them remove this, so I can get on with my life and my family. The billing dept from the hospital told me they did contact me via mail and provided a few date but they were not able to verify that I received their bills. They never made a phone call, the only people that contacted me was the collection company XX/XX/XXXX roughly. I called them several times since then but they have never contacted me, nor have the asked me to update my contact information when I call in, even after asking them what address and phone number they have on file.
10/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33578	Web
ARS stated they verified with their client Inphynet Contracting Services that the information was accurate. I am entitled by law to know what method of verification was used to obtain this information so that I can determine the accuracy and completeness of this claim. Which is why I asked for debt validation. VALIDATION is forwarding copies of actual proof of the alleged debt & alleged debt from the ORIGINAL creditor whom they claim to be as Inphynet Contracting Services. ARS noted in their response If requested, they must provide the consumer with validation of the debt. I formally requested in writing sent certified mail full documentation of what ARS received from the provider of service in connection with these alleged debts on multiple occasions. Including SPECIFICALLY a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to ARS. Therefore, my request was twofoldvalidation of debt and HIPPA authorization. I never received anything showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Account Resolution Services never provided me with documents of alleged debt from the ORIGINAL creditor whom they claim to be as Inphynet Contracting Services. I uploaded the correspondences to and from ARS they did not honor my requests. I need ALL debts from Account Resolution Services DELETED from credit profile IMMEDIALELY. This debt has not been validated. On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to Account Resolution Services asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. After receiving this I responded on XX/XX/XXXX via certified mail advising Account Resolution services that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. On XX/XX/XXXX Account Resolution Services received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX and notified all 3 credit bureaus of this company 's action. I will attach every correspondence sent to and from Account Resolution Services.
07/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33162	Web
on XXXX XXXX a collection was placed by the collection agency wrongfully with the amount of {$350.00} by ars account resolutions account number # XXXX i sent 2 debt validation letter for this company to validate this false debt and the never responded, giving me the assumption that this debt is not mines..the following company listed in the dispute has violated my rights in multiple violationsunder FDCPA & FCRA , the list are below : 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents 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 consumers 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. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. 15 U.S. Code 1692e.False or misleading representations ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
06/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45424	Web
Subject : Cease and Desist Notice - Account Number : XXXX Dear XXXX XXXX XXXX, I hope this letter finds you well. My name is XXXX XXXX. I am writing to you, XXXX XXXX XXXX, as a response to the numerous communications I have received from Account Resolution Services, LLC ( ARS ) regarding an alleged debt that you claim I owe. However, I would like to bring to your attention that I have never given any permission to ARS to use my identifying information for any purposes, including committing mail fraud or contacting me regarding this alleged debt. According to my understanding of the law, as outlined in Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned party are liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with ARS ACCOUNT RESOLUTION, and I want to emphasize that my failure to dispute the validity of these alleged debts should not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, which would grant Account Resolution Services, LLC any right to collect on this alleged debt. Furthermore, I have never received any documentation requesting validation from ARS before you committed multiple violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ), which the Federal Trade Commission ( FTC ) defines as debt parking. If Account Resolution Services, LLC can not provide me with proof, such as a tracking number, that you lawfully attempted to validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, it is evident that this has been a fraudulently furnished account with premeditation and malice in an attempt to harm my financial reputation. I want to make it explicitly clear that I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). Therefore, I am demanding an immediate cease and desist of all illegal activities, including any communication and collection efforts related to this alleged debt, until Account Resolution Services, LLC can provide me with sufficient documentary evidence demonstrating that I have any legal obligation to pay you. If the aforementioned documentary evidence can not be produced, and if Account Resolution Services, LLC persists in its collection efforts, I will have no choice but to pursue litigation to seek compensation for the actual damages caused. Furthermore, Account Resolution Services, LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, as well as for extortion, theft by deception, securities fraud, and mail fraud. I kindly request that you promptly acknowledge the receipt of this notice and respond within 4 business days to address the concerns raised herein. Please be aware that I am keeping detailed records of all correspondence and actions related to this matter. Your immediate attention to this serious issue is both requested and required. I trust that you will take the necessary steps to resolve this matter appropriately and in compliance with the applicable laws and regulations. I look forward to a swift and satisfactory resolution. Yours sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I am responding to your contact about a debt you are trying to collect. You contacted me by mail. I have requested Verification of this Debt many times with little information given back to me. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. Provide a copy of the written agreement that created my original requirement to pay! The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. ( You have stated my insurance payed on this account. What is the amount they paid? ) If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web	Servicemember
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ARS ACCOUNT RESOLUTION XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from ARS ACCOUNT RESOLUTION XXXX Account Number : XXXX witch is displayed twice. This Collection account is reporting not only as Open but shown twice with a past due balance of {$1400.00} and the second account shows the same balance of {$1400.00} and the same account number. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( HIPAA ) authorization. Be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. Please provide debt validation in the form of agreement, an original bill, and a detailed statement of procedures is required, if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any. 3. Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA. Sincerely, XXXX XXXX XXXX Thank you
02/15/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92399	Web
The following is what I was preparing to send to HRRG after my failed attempt to work out the problem : To Whom It May Concern, I received a bill from XXXX XXXX with Account number XXXX in the amount of {$2400.00}. ( SEE 5 PAGE DOCUMENT A ) I called and spoke to XXXX on XX/XX/XXXX and was given a 20 % discount bringing my new balance to {$1900.00}. I was given a payment arrangement to pay {$56.00} every month. I paid the bill every month starting in XXXX as follows : XX/XX/XXXX {$56.00} XXXX XX/XX/XXXX {$56.00} XXXX XX/XX/XXXX {$56.00} XXXX As you will see on page two of the 5 page document, the first charge of {$660.00} is shown. This account dated XX/XX/XXXX was part of the entire bill that I made payment arrangements for. I paid in the three months, {$160.00} towards the account balance of {$1900.00}. I received a two page bill from HRRG stating that my account was handed over to collections. ( SEE DOCUMENT B ) On XX/XX/XXXX I called and spoke to XXXX at HRRG to find out why my account was past due. I told him I had a payment arrangement in place. He explained to me that payment arrangements dont keep bills out of collections and that by paying the bill off I could close the account. I agreed and he gave me a discount on the payoff so that I paid {$910.00} right then on my credit card, which HRRG shows record of, and that closed out the bill. My confirmation number was XXXX. Subsequently I received notices indicating account numbers that had been paid off. ( SEE 6 PAGE DOCUMENT C ). Since then I received the 1 page bill ( SEE DOCUMENT D ). This bill says I owe {$490.00} on an account covered under my original payment arrangement that was paid off XX/XX/XXXX. On XX/XX/XXXX I called HRRG and disputed the validity of this bill. I spoke with XXXX XXXX. She was either unwilling or unable to resolve the matter and would not allow me to speak to her supervisor/manager. Her explanation was that the account in question # XXXX was left out of the payoff of {$910.00} ( through no fault of mine ) and was therefore due because HRRG did not receive it until after my payoff of {$910.00}. THE MAIN POINT I AM MAKING : I am disputing this bill of {$490.00} because I made a payment arrangement and followed through making payments on time. So I ask the question, why was my account referred to the sister company for collections if I was properly and promptly making my payments. I was told by XXXX, my payment of {$910.00} would close the collection on the accounts that clearly can be seen by the accounts being listed on the original bill from XXXX XXXX. In the original 5 page bill, the XX/XX/XXXX line item is shown as {$660.00} XXXX told me I paid {$160.00} towards that account. This in incorrect because I made a payment arrangement with XXXX XXXX for the entire 7 accounts and was thus paying off 7 accounts, not just one. I paid a total of {$160.00} in payments towards all accounts. I do not know why HRRG is trying to collect another payoff to the same account. It seems interesting that the reasoning HRRG is using to try and get payment out of me is falsely attributing the {$160.00} I paid on the entire account to a single account. Thank you for your attention to this matter. XXXX XXXX XXXX XXXX Enclosures
07/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 334XX	Web
My name is XXXX XXXX XXXX am writing this complaint against ACCOUNT RESOLUTION SERVICES, ACCOUNT # XXXX. the original credit is INPHYNET CONTRACTING SERVICE LLC. The collection company of ARS have violated my XXXX that affords me consumer protection, there in non-compliance of FCRA SEC 605 ( c ) and FDCPA SEC 809 ( b ) major violations. I wrote them a certified letter on XXXX and they received on XX/XX/XXXX ( I have attached the letter that was sent and receipt of certified ) mail with no response. They still have these item showing as negative on my credit report. I have reported them to the Attorney General 's Office here in my state of Florida. Who told them they receive many of compliance against this company harassing and threating residents of Florida. So, they told me to as resident to file this complaint if the items are not off within 15 days limited to call back to there office. So, they want the following : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the XXXX Final Rule effective XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX XXXX XXXX XXXX Collection Agency Validation, Dispute, Cease & Desist .This letter is to notify the agencies that your company have violated my XXXX rights. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any XXXX authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/ or complaints with the XXXX on your XXXX violations and appropriate County, State & Federal authorities, the CFPB XXXX BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of Florida medical privacy rules. I also hereby reserve my right to have this information deleted from my credit report immediately or private civil action against you to recover damages. If these items are not deleted immediately we will be filing for damages against your company.
04/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77338	Web
I pulled my credit report a couple of years ago and noticed a Medical Debt for {$910.00} that was reported by a third party collection company called ARS Account Resolution. I disputed this debt with the credit reporting agencies because i did not recognize it and the account lacked information to determine if it was actually mine. I then sent this company ARS a letter asking for proof that the debt was mine and what the charges were for on XX/XX/XXXX. They sent me back a form letter stating the debt was mine and I had to pay. I responded to that letter on XX/XX/XXXX asking specifically what the debt was for because again I was not aware of an outstanding debt for {$910.00} and by then have read the consumer debt collection law that stated they had to send me the proof to legally report of collect it. Two months later I received a letter from ARS that contained personal medical information, detailed information of what medication was prescribed, what medical procedures were performed, the medical care provider etc. It was very embarrassing. I have many family members that work in the medical field and they all told me that it was illegal for them to have that information or send it to me in order to collect the debt. So, I did some more reading and research about the HIPPA Law that family members told me about and realized that they indeed violated the HIPPA Law by having and sending me that information. So, on XX/XX/XXXX I sent them a letter notifying them that they violated the HIPPA Law and told them I would file complaints against them for the HIPPA violation unless they stopped harassing me and removed the account from my credit report.They never responded to that letter so I assumed that they had dropped the case, stopped collecting, stopped reporting for violating the law. About 6 months later I pulled my credit report and noticed that they were still reporting the debt to all three credit reporting agencies. So on XX/XX/XXXX I sent them another letter stating that they violated the HIPPA Law and my rights as a consumer and asked them again to remove the account from my credit report. I also notified the three credit reporting agencies that this company ARS Account Resolution violated the HIPPA Law and then the Fair Debt Collection Practices Act for not responding to my request within the 45 days allowed by law. Again i didn't receive a response from ARS and the account was not removed from my credit reports. The credit reporting agencies claim they verified the account even when I told them they violated the law! So on XX/XX/XXXX I sent ARS another letter informing them that under Federal Law they can not report this account to the credit reporting agencies for violating the Fair Debt Collection Practices Act, they can not collect the debt for violating the HIPPA Law, and I sent another letter to the credit reporting agencies stating that they are violating the Fair Credit Reporting Act. In my letter I told ARS that if they did not remove the account I would file a complaint with the CFPB. It's now been over two months, I have not heard from them and they are still reporting the account to my credit reports. So, that's why I'm filing this complaint.
06/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77469	Web
I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you XXXX to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct XXXX XXXX of this subterfuge. XXXX must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for XXXX to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, XXXX, in accordance with XXXX and XXXX. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and XXXX. Providing that XXXX is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. ( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
05/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33029	Web
Medical Claim from date of service : XX/XX/XXXX for {$980.00}. Was not informed of this debt until XX/XX/XXXX when debt was placed on credit report,. Debt collector Account Resolution Services, could not provide proof I was informed of this debt, no correspondence has been received, certified or otherwise. Representative from Account Resolution Services stated insurance did not cover claim and I owed the full amount. Contacted insurance, XXXX, which stated claim was denied because provider billed claim incorrectly, without a modifier. XXXX also claimed the provider rebilled it, again incorrectly. Contacted provider ( XXXX XXXX XXXX ) 's billing service, XXXX, which stated appeal was sent in XXXX, but insurance did not pay, or respond. Contacted XXXX, they stated there was no record of an appeal. Contacted XXXX, they stated the ONLY way for re-submission is for me, the paitent, to have a conference call with an insurance representative and the billing provider, XXXX 's representative, claim would be appealed and resubmitted, and paid within 30 days. Contacted insurance, XXXX after 30 days, insurance stated appeal was voided by provider. Contacted XXXX, as well as Account Resolution Services, representatives from both companies could not find records of any appeal being sent to XXXX, or any appeal voided by them. Contacted Account Resolution Services as well as XXXX multiple times in XXXX, XXXX, and XXXX attempting to view, or see medical billing records, or to have claim resubmitted. XXXX stated they will not re-submit claim and that XXXX does not have my medical billing records, Account Resolution Services has all records for account. Account Resolution stated multiple times they do not have records and can only send me statement stating amount that I owed. Account Resolution Services stated they will not re-submit claim, provider has to re-submit claim. Sent certified letter requesting full and complete medical billing records to review them, in order to file this complaint for incorrectly sending me to collections, when XXXX billed the claim incorrectly, on XX/XX/XXXX to XXXX XXXX XXXX ( tracking number : XXXX ), XXXX ( tracking number : XXXX ), and Account Resolution Services ( tracking number : XXXX ). Did not receive any correspondence, certified or otherwise, or phone calls in return. I have been unable to contact the provider ( XXXX XXXX XXXX ). Account Resolution Services and XXXX both refused to re-submit this claim, or claimed they re-submitted it with the insurance having no record of this. The companies Account Resolution Services and XXXX also both tried to have me pay the full amount multiple times, without the insurance paying their part, another possible breach in their contract with XXXX. The billing provider ( XXXX ), as well as Account Resolution Services, refuse to acknowledge that the claim was billed incorrectly on their part, was never followed up on in XXXX, and now in XXXX, refuse to resubmit the claim they incorrectly submitted, send me pertinent medical billing records, as required under HIPPA laws. Separate complaints have been filed with HIPPA for non-compliance of medical billing records.
04/30/2020	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	Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 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. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33068	Web
According to the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is articulated that : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Both XXXX and XXXX qualify as consumer reporting agencies, and I am the designated consumer in this context. My right to privacy, specifically to ensure that my personal information remains confidential, is underscored by 15 USC 6801 : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' For clarity, the [ Furnisher of information to credit agencies ] falls under the definition of a financial institution according to this title. Further, 15 USC 1681, section 604a, section 2, highlights that : " In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither the [ Furnisher of information to credit agencies ], nor the consumer reporting agencies XXXX and XXXX, possess my explicit or written consent to furnish this data. I hereby revoke all forms of consent - verbal, non-verbal, written, implied, or otherwise - given to XXXX, XXXX, and the [ Furnisher of information to credit agencies ]. Moreover, XXXX XXXX XXXX ( b ) ( c ) specifies : " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The [ Furnisher of information to credit agencies ] failed to notify me about my right to exercise my nondisclosure option. Additionally, XXXX XXXX XXXX ( a ) ( XXXX ) states : " Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than XXXX years. '' The account in question is an adverse item being reported without my consent, in direct violation of the law. Furthermore, XXXX XXXX Code XXXX ( A ) ( XXXX ) A declares : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' While XXXX XXXX XXXX XXXX insists : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. It appears that XXXX and XXXX are failing to uphold these reasonable procedures. Lastly, XXXX CFR XXXX reiterates : " A consumer XXXX exercise the right to opt out at any time. '' I am formally exercising my right and opting out of your reporting services.
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33411	Web
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 XXXX 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 be reported 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 -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 can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such times 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 a 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 ORIGINAL 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. Any and ALL payments made to original creditor towards debt and what each payment went towards Commission for debt collector if collection efforts are successful.
03/08/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	IL 60411	Web
On XX/XX/XXXX I paid Account Resolution Services the amount of {$400.00} and I should not have because I learned they are operating without a valid business license and are NOT allowed to collect debts in the state of Illinois and have NOT been licensed since XXXX. I am requesting a FULL refund of my funds IMMEDIATELY and DELETE from all my credit reports or I will be 1. Filing a dispute with my bank, 2. Filing a report with the states attorneys office and 3. Filing a lawsuit for fraud and a non licensed debt collection agency in violation of both the FCRA and FDCPA. I have payment confirmation number XXXX and I placed this payment on XX/XX/XXXX. What this company is doing is ILLEGAL and FRAUD and will be reported. Attached is proof of an invalid license and also proof of my payment. This business is currently a scam. In addition to this I was not made aware of my right to request validation and at this moment I intend to make that request. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Resolution Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Dear Account Resolution Services, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and 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 is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
07/12/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : ARS ACCOUNT RESOLUTIONS XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
03/28/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75702	Web
Account Resolution Services has been unable to provide proper documentation validating this account. I am seeking immediate action and for the to remove this negative information permanently from my credit reports. Account Resolution is violation of the HIPPA laws. I have sent multiple letters on XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017, asking this company to verify this account and I have not recieved a satisfactory response. The only response I have received is a general bill asking for a payment of {$1200.00}. This this the letter sent to Account Resolution Services for validation of the account. This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2017. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under the federal law. Compliance with this request is required under the laws of state and federal statutes. Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this amount? 5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or compliants with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. I have sent a copy of the request for validation to the XXXX Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
04/30/2020	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 34983	Web	Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 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.
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10469	Web
Dear Sir/Madam, I trust this message finds you well. I am writing to you with a matter of utmost importance, pertaining to the accuracy and integrity of my credit report as governed by relevant provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Over a persistent duration of time, I have made continuous efforts to communicate with your esteemed organization in order to rectify several discrepancies present on my XXXX credit report. Despite numerous attempts to have these issues resolved, it has come to my attention that these inaccuracies have not been adequately addressed. This persistent disregard for the accuracy of my credit report poses not only a significant inconvenience but also has far-reaching implications for my financial standing. First and foremost, the incorrect listing of an address, " XXXX XXXX XXXX XXXX, NY XXXX, '' which lacks an apartment number, is a blatant error that contravenes the FCRA 's stipulation that credit reporting agencies must ensure the precision of the information they maintain. This discrepancy is not only factually incorrect but also has the potential to introduce confusion and misalignment in my credit history, as it intertwines my financial records with individuals who may share this address. I urge you to promptly remove this erroneous entry from my credit profile. Furthermore, I have observed a recurring issue with the handling of my name on the credit report. My legal name is " XXXX XXXX XXXX XXXX, '' According to the FCRA, credit reporting agencies are obligated to maintain accurate information regarding consumers, and this includes the proper representation of their names. Instead of simply removing inaccurate names from my profile, your organization has opted to make adjustments by creating variations of my name, which has resulted in an unwarranted proliferation of names on my credit profile. This goes against the spirit of the FCRA, which advocates for the dissemination of accurate, relevant, and fair information. I hereby request that you expeditiously take the necessary steps to remove the following erroneous and misleading name entries from my credit profile : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA and FACTA mandate the swift resolution of discrepancies in consumer credit reports, and I trust that your organization will adhere to these legal obligations by removing the aforementioned inaccuracies without further delay. I implore you to address these concerns promptly and rectify the inaccuracies in my credit report in accordance with the law. Failure to do so may necessitate further legal action to ensure compliance with the FCRA and FACTA. I appreciate your immediate attention to this matter and look forward to receiving confirmation of the corrective actions taken to restore the accuracy of my credit report. Yours sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXX, NY, XXXX ] [ XXXX ] [ XXXX ]
10/31/2021	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TN 38128	Web
1.XX/XX/2021 called me harassing me via voicemail 2. XX/XX/2021 called me harassing me via voicemail 3. XX/XX/2021 called me harassing me via voicemail 4. XX/XX/2021 called me harassing me via voicemail 5. XX/XX/2021 called me harassing me via voicemail 6. XX/XX/2021 called me harassing me via voicemail 7. XX/XX/2021 called me harassing me via voicemail 8. XX/XX/2021 called me harassing me via voicemail 9. XX/XX/2021 called me harassing me via voicemail 10. XX/XX/2021 called me harassing me via voicemail 11. XX/XX/2021 called me harassing me via voicemail 12. XX/XX/2021 called me harassing me via voicemail 13. XX/XX/2021 called me harassing me via voicemail 14. XX/XX/2021 called me harassing me via voicemail 15. XX/XX/2021 called me harassing me via voicemail 16. XX/XX/2021 called me harassing me via voicemail 17. XX/XX/2021 called me harassing me via voicemail 18. XX/XX/2021 called me harassing me via voicemail 19. XX/XX/2021 called me harassing me via voicemail 20. XX/XX/2021 called me harassing me via voicemail 21. XX/XX/2021 called me harassing me via voicemail 22. XX/XX/2021 called me harassing me via voicemail 23. XX/XX/2021 called me harassing me via voicemail 24. XX/XX/2021 called me harassing me via voicemail 25. XX/XX/2021 called me harassing me via voicemail 26. XX/XX/2021 called me harassing me via voicemail 27. XX/XX/2021 called me harassing me via voicemail 28. XX/XX/2021 called me harassing me via voicemail 29. XX/XX/2021 called me harassing me via voicemail 30. XX/XX/2021 called me harassing me via voicemail 31. XX/XX/2021 called me harassing me via voicemail 32. XX/XX/2021 called me harassing me via voicemail 33. XX/XX/2021 called me harassing me via voicemail 34. XX/XX/2021 called me harassing me via voicemail 35. XX/XX/2021 called me harassing me via voicemail 36. XX/XX/2021 called me harassing me via voicemail 37. XX/XX/2021 called me harassing me via voicemail 38. XX/XX/2021 called me harassing me via voicemail 39. XX/XX/2021 called me harassing me via voicemail 40. XX/XX/2021 called me harassing me via voicemail 41. XX/XX/2021 called me harassing me via voicemail 42. XX/XX/2021 called me spoke with me very rude yelling at me telling me I BETTER PAY THE LAW DOESN'T PROTECT ME THE CONSUMER AND HUNG THE PHONE UP ON ME WHEN I ASKED TO BE TOLD WHAT LAW IS THAT. BECAUSE TILA IS FOR THE CONSUMER, FCRA IS FOR THE CONSUMER, FDCPA IS FOR THE CONSUMER, TCPA IS FOR THE CONSUMER. I STATED I WOULD REPORT THE VERBAL ABUSE AND HARASSMENT TO THE CFPB. THE REP ON THE PHONE STATED I DON'T CARE SIR AND HUNG THE PHONE UP ON ME. I NEVER GAVE HER PERMISSION TO TALK TO ME THAT WAY OR TO HANG THE PHONE UP ON ME. 43. XX/XX/2021 REP DEMANDED I PAY A BILL THAT WAS NEVER VALIDATED BY ME AND WAS VERY AGRESSIVE MAKING ME FEEL THREATENED. I'M ON THE NATIONAL DO NOT CALL REGISTRY LIST AS OF XX/XX/2021 AFTER I WAS VERBALLY ASSUALTED, HARASSED AND MADE TO FEEL THREATENED BY THE REP FOR THE COMPANY. 44. XX/XX/2021 RECEIVED A LETTER IN THE MAIL WITH THE COMPANIES LOGO VISIBLE FOR ANYONE TO SEE.
02/03/2023	No	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 19144	Web
NOTICE OF CEASE AND DESIST I natural person XXXX XXXX XXXX am requesting that you cease all illegal and negative reporting until this debt is validated. After reviewing my credit profile. I identified fraudulent and deceptive reporting from both XXXX XXXX XXXX & ARS Account Resolution. I also took upon myself to look up there reviews and unfortunately it appears they've been criminally extorting thousands of patients. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed. After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. At this time, I will also inform you that your offices have reported invalidated information to all 3 credit bureaus this action will 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 that 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 Debt Collections Act, and Defamation of Character. 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 . Collection Account name : ARS ACCOUNT RESOLUTION- 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
12/12/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	XXXXX	Web
i have suffered from XXXX for 30 years ' i never knew what credit was or debt or any other such thing i was XXXX for many years and XXXX XXXX XXXX XXXX most of my debt actually comes from minor 2 hour hospital stays where i was under duress at times from being XXXX XXXX XXXX ' many times people used my name or an alias with my information going as far back as 25 years or so ' it wasn't until recently the past 5 years or so when i started medication and working a serious job ' with benefits and got a steady income life and girlfriend that i started to learn about these things ' i have tried to contact debtors and XXXX XXXX XXXX ' about such things ' but to no avail ' i have been without work for about 2 weeks now do to assaults and robberies at my work ' and i tried for the first time to take out a loan ' figuring on furlough due to store being to dangerous in the ghetto at night not being open i found without a paycheck in the past or one in the future you can not apply for a loan ' i know this might sound strange to some but my first " vacation in 5 years '' has been spent for 8 days trying to figure how to get out of debt and get my life back 99 % of it from 1 hour hospital visits where i was discharged or escaped the hospital on my own ' or afraid due to XXXX XXXX of " being in debt haahahaha '' ' as you can see i'm not well or was not ' for many years ' anyhow i was always scared or paranoid of the 'sign this we'll help you moneywise '' as i was of medication and the like " but seeing where medication has gotten me " i realise now but not back then when {$30.00} or {$300.00} over time seemed impossible for someone working {$5.00} an hour at a labour hall ' 17 hours a day to make {$35.00} with smokes and train/bus sleep outside building ' take {$3.00} out of paycheck at end of day {$4.00} or {$2.00} for ride to job site ' people just don't know but then i worked with XXXX who made {$12.00} for the same amount of effort ' anyhow " i've tried to contact various sites and agencies ARS etc ' to explain but have had no luck ' i don't want to be XXXX again after working 35 hours a week or 30 for the past 5 years ' drs say its best if i " take a day extra off to not be mentally ill '' " anyhow it came to my attention recently my identity has been used for 20 plus years from an " old aqcuaintance '' i'm starting to believe probably just at random " one of the addresses was near mine ' at a time or i used to stay there ' and i was XXXX at the time ' anyhow thank you for your time i am not good at this " but i hope it somehow helps although as usual i doubt i did the right thing or even the right company ' XXXXXXXX XXXX XXXXXXXX ' all these " i'm not sure ' i'm working with lawyer to figure it out right now and day and night during " first vacation ever '' spent 8 days trying to figure this all out ' as i have no money and am just staring at a wall ' thank you " i hope it's not a prison ' forever '
11/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46901	Web
This formal CFPB complaint is in response to Account Resolution Service 's fraudulent attempt at collecting three medical debts not owed. Upon contacting the alleged hospital in question, they are not familiar with my name being attached to any medical debt. Under the Fair Debt Collections 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, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : 1 ) Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 2 ) Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any acc ount that may be time-barred as well as in violation of Indiana medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages, and will retain my right to arbitrate the multiple account in my name showing on my credit reports.
06/23/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AP XXXXX	Web
Upon review of my credit report on XX/XX/XXXX, I found a listing for Account Resolution Services. It is reported as a emergency service related debt, and the company being the debt collector. I have no history of emergency services need, and have never utilized emergency services. Upon request of validation of this debt, none was sent to me by the company. Reportedly, this was also validated by XXXX XX/XX/XXXX, when I made a request through XXXX after asking them to have the company produce validation. Again, I have not received any documents showing how this account was validated or copies of my signature. I am concerned that this was placed on all three of my credit reports in haste, and I am being charged and penalized for an account I never owned, nor received services for. Not only have I never received services for any emergencies, I have no minor children, and would not be billed for any child I have under the age of XXXX. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of this request concerning the accounts that they are reporting in my credit reports. I have asked that they dont respond to my request by saying that these accounts have been verified, as they did with XXXX. I have asked for validation, not verification. I would like copies of the documents that you have in their files related to services they are demanding payment for. XXXX XXXX Law Dictionary, 6th Edition XX/XX/XXXX defines " Verification '' as, " Confirmation or correctness, truth or authenticity, by affidavit, oath or deposition in averments or statements of party. '' What this means is that their company must be willing and able to produce a document that provides the account ( s ) in dispute belong to me, and the information being reported is accurate and they must be able to do this in a court of law. Their failure to provide me with verifiable proof required to post the account is evidence that the account never existed and therefore is proof that they can not properly " verify '' the account. If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they need to be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing theses inaccurate and unverified items on my credit reports which are distributed to 3rd parties they are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681 ( i ), all unverified accounts must be promptly deleted. Therefore, if you they unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of then they must have their account removed from my credit reports. It has already been 30 days, and they are already in violation.
06/22/2021	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 344XX	Web
Account Resolution Services is attempting to collect a debt that does not belong to me. Account Resolution Services is reporting a delinquent medical collection account to XXXX, XXXX and XXXX. I am not claiming this is fraud, so please don't suggest I file a police report or identity theft affidavit. I have requested adequate, sufficient validation of this alleged debt from Account Resolution Services on multiple occasions. While they have replied to my requests by mail, they have yet to provide me with legal, sufficient proof that this alleged debt belongs to me and that I am legally obligated to pay them for this alleged debt. Their incorrect representation of this alleged debt and delinquent account is hurting my credit score and I need this removed immediately. My first request for validation of this alleged debt was sent via XXXX mail on XX/XX/2021. They responded on XX/XX/2021 ( Beyond 30 days ) by mail with a very vague letter that contained little information other than a service date, an account number and what appears to be the name of a medical establishment. Most of the information I requested in my Debt Validation Request sent out on XX/XX/2021 was ignored and not included in their response. ( See my attached letter ) I went ahead and sent them a follow up Request For Debt Validation letter via USPS Certified mail on XX/XX/2021. I have included the receipt for this as well as the contents of my letter. They responded on XX/XX/2021 with the same letter that they originally sent out, again ignoring all requests for the information that I need to adequately validate and identify this debt. I have also attached this letter. I have yet to receive any form of SUFFICIENT validation of this alleged debt. This is the second complaint I have initiated with the Consumer Financial Protection Bureau and I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt ARS claims that I owe. I have given them plenty of opportunity to remedy the situation, and feel I've been more than fair. Since ARS is still reporting this account on my credit report, they are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from them by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from them within 15 days. ARS should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies.
10/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33179	Web
This is a complaint against XXXX XXXX XXXX because it is violating the law for reporting an account that is under my name, but is fraudulent, that does not belong to me, was opened without my permission and is being reported to the XXXX XXXX XXXX, by you I want through the CFPB to send you all the documentation that I already sent you via fax 2 months ago and by certified postal mail, they received all the documentation but they threw it in the trash, it means that you do not comply with the federal laws and lack of respect for the law because they violate and ignore this must stop reporting to the credit agencies and remove from your agency this account is a fraud, see if you understand me I have never attended any medical institution in the US, thank XXXX I never get sick, I thank you, please check very well the documents that your colletion office has, As names, social security number, because I am a victim of identity theft and this account is one of the many that unfortunately was opened under my identification according to you. And this situation is affecting my health, my nerves are destroyed because of this, please ask me to answer this via CFPB with a letter from your agency stating that this account has been closed and blocked by fraudulent results and that you request the credit agencies that remove it from my credit, because you already have all the evidence of identity theft and I do not understand why you have not complied with the law of removing it, if you continue to report this account you are violating the law. Now this complait will also be reported to the FTC and other federal agencies so they can comply with the law ; since if for you it was a garbage the report of police, I am obliged to go to all agencies so that you can meet them, for violating the law of reporting fraudulent accounts when all the evidence and documentation necessary to block it has already been given, this same letter requested that it be sent to XXXX so they can stop reporting a fraudulent account that affects my life by identity theft, the law says that when a person is a victim of identity theft the credit agency and the creditor as you are. They continue to report the account and it is not blocked so violating federal law. That account must be eliminated as a duty complying with the 605b law and if it does not violate the law, if you do not know about this section 605B, I recommend that you read it very well and comply, because I will have to go as far as I can. to solve this, I have stolen half of my life due to stress. in this complait I will get you 1-Police Report, Letter of request to block the account for compliance with federal laws, as well as upload the letters, the FTC report and my documents. Sorry for the repetition of this request, I want this complaint to be answered with a formal letter that you can call. Thank you
11/20/2022	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77386	Web	Servicemember
Account Resolution Services, LLC received my Cease and Desist communication on XX/XX/2021. They were to stop reporting this invalid debt and never stop reporting the information. Account Resolution Services, LLC never verified the debt nor did they produce an agreement that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Account Resolution Services, LLC investigative process and for them to provide the agreement under penalty of perjury. Account Resolution Services, LLC was supposed honor my cease and desist order for ALL communications, but the company stated that reporting to consumer reporting agencies wasn't considered communication. As a debt collection agency, Account Resolution Services, LLC should be aware that communication is defined in the FDCPA as the conveying of information regarding a debt directly or indirectly to any person through any medium. Isn't Account Resolution Services, LLC conveying information regarding an alleged debt to a person or persons known as a consumer reporting agency through a medium known as my consumer report? This is a violation of the FDCPA under 15 usc 1692c ( c ). Account Resolution Services, LLC also said that another company " referred '' the alleged debt. I challenge Account Resolution Services, LLC to provide proof of this " provider agreement '' under the penalty of perjury. I would like to bring to Account Resolution Services, LLC 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Because of Account Resolution Services, LLC failure to follow my cease and desist order and their multiple acts against the FDCPA, I will be pursuing remedy for all injuries against me pursuant to 15 usc 1692k. I demand deletion of this account and the companies bond information. This is complete FRAUD. I have attached the proof they sent which was nothing but a account number. This debt has been continued to be reported inaccuracies have been ruining my reputation and left me unable to purchase a home or a vehicle. Laws like these were made for consumers not to be took advantage of and if you just look at the proof provided by Account Resolution Services, LLC you will understand that I am probably not the only consumer life they have harmed. Publishing deceptive forms and continue reporting for 11 months almost a year after receiving the cease and desist.
11/20/2022	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77386	Web	Servicemember
Account Resolution Services, LLC received my Cease and Desist communication on XX/XX/2021. They were to stop reporting this invalid debt and never stop reporting the information. Account Resolution Services, LLC never verified the debt nor did they produce an agreement that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Account Resolution Services, LLC investigative process and for them to provide the agreement under penalty of perjury. Account Resolution Services, LLC was supposed honor my cease and desist order for ALL communications, but the company stated that reporting to consumer reporting agencies wasn't considered communication. As a debt collection agency, Account Resolution Services, LLC should be aware that communication is defined in the FDCPA as the conveying of information regarding a debt directly or indirectly to any person through any medium. Isn't Account Resolution Services, LLC conveying information regarding an alleged debt to a person or persons known as a consumer reporting agency through a medium known as my consumer report? This is a violation of the FDCPA under 15 usc 1692c ( c ). Account Resolution Services, LLC also said that another company " referred '' the alleged debt. I challenge Account Resolution Services, LLC to provide proof of this " provider agreement '' under the penalty of perjury. I would like to bring to Account Resolution Services, LLC 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Because of Account Resolution Services, LLC failure to follow my cease and desist order and their multiple acts against the FDCPA, I will be pursuing remedy for all injuries against me pursuant to 15 usc 1692k. I demand deletion of this account and the companies bond information. This is complete FRAUD. I have attached the proof they sent which was nothing but a account number. This debt has been continued to be reported inaccuracies have been ruining my reputation and left me unable to purchase a home or a vehicle. Laws like these were made for consumers not to be took advantage of and if you just look at the proof provided by Account Resolution Services, LLC you will understand that I am probably not the only consumer life they have harmed. Publishing deceptive forms and continue reporting for 11 months almost a year after receiving the cease and desist.
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19138	Web
our Name Address City, State Zip DATE Collection Agency Name Address City, State Zip RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within XXXX ( XXXX ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of YOUR STATE GOES HERE medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX
03/29/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ XXXXX	Web	Servicemember
I have disputed with XXXX XXXX accounts that appear on my credit report. Partial Account numbers XXXX and XXXX and XXXX for a collection agency called ARS collecting for XXXX XXXX XXXX XXXX XXXX. XXXX received my Dispute XX/XX/2017 and they state that they received verification from ARS of a debt XX/XX/2017 - that does not belong to me. ARS could not verify my SSN on these accounts. The information they have in their office that XXXX is reporting on my credit report is not my info yet an XXXX representative and Supervisor XXXX XXXX states that ARS sent them electronic info with my DOB, SSN, name and address. In speaking with XXXX XXXX a collections agent with ARS he confirmed with me that the last XXXX digits they have on all XXXX of theses debts attached to my name is not my SSN. XXXX from ARS then proceeded to tell me to send in my Id and my ss card so they could cross reference their records in order to get it removed. I refuse to provide them with my personal information when they are a company that I have no business with. I spoke with another rep weeks prior to XX/XX/2017 employed by ARS, who also confirmed that they do not have my information on file yet they are on my credit report and that the error is on XXXX. I have repeatedly told XXXX that they are reporting information to my report that does not belong to me and they have not removed it as of XX/XX/2017. I have not received anything from XXXX with an update on this matter. And the letter received from ARS requesting for debt Validation has not been received from XXXX or ARS connecting me to this debt. They have not provided me with any original documents that contain my signature or ID or anything that connects me to these debts that are not mine. I am respectfully requesting for XXXX to remove these XXXX collections accounts that do not belong to me that have not been validated and ARS to complete that request immediately. XXXX should be fined ARS should be fined, and they need to remove the errors from my report immediately. They should compensate me for their reporting errors that they do not validate. When I asked one of their reps at XXXX what they received that validated this debt she could not tell me and in speaking to XXXX XXXX he refused to provide me with a physical address to send ARS certified mail as well as hung up on me without reason as I was not hostile but asked him multiple questions that i received answers on and others he did not provide. I asked for XXXX XXXX contact info he did not provide it. I asked for phone number to the ARS clerical department he did not provide a contact phone number. I spoke to rep XXXX who did not provide an Id or last name and she was rude and unprofessional when I asked for a supervisor she transferred me to some hotline without telling me it would be a voicemail.
10/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33028	Web
To Whom It May Concern, This letter is being sent to you in response to your recent letter. This is a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections 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, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010. HIPAA Collection Agency Validation, Dispute, Cease & Desist This letter is to notify the agency that the debt is beyond SOL, or is invalid for other reasons, and subject to the HIPAA privacy laws. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB , XXXX and State Bar associations for violations of the FDCPA, FCRA , and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of Florida medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages ... I AM REFUSING TO PAY THIS ACCOUNT
01/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
I am Attempting to get this account deleted off of my credit report the accounts is not accurate and is non void below is the resolution that I see best fit for my credit profile. Please delete this account off of my credit history immediately as it is harming me financially. Which has been a burden to me. Company : Ars XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX United States Re : Alleged Original Creditor : ARS ( Account Resolution Services ) Alleged Debt Amount or Balance : {$1000.00} Dear ARS ( Account Resolution Services I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, I request : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, * an informed consent for medical treatment and * financial responsibility agreement, signed by alleged listed original creditor name ; and ( your name, 1. a copy of all actual bills sent from { alleged listed original creditor } to tyour name ; with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), 2. a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, 3. a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by ( your name } to { alleged listed original creditor }, 4. a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney and sue you. Sincerely, XXXX XXXX XXXX
10/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I receive a copy from the credit bureaus and I noticed that there were two errors in my credit profile, I took the information from the credit bureaus about this collection agency, and I send three certified mail to this collection agency the first 1- letter I asked them very politely to an account saying, ( that I am requesting validation, made to pursuant to the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, along with the corresponding local state laws ). I am requesting a " Validation '' ; that its competent evidence bearing my signature, showing that I have ( or even had ) some contractual obligation to pay them. 2- Second letter states ( Yet again they failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. additionally, I asked to please provide the names, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified " without providing any, proof, bearing my signature. 3- third letter states ( Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ). Time and time again this collection agency has violated all rules in accordance with the federal and states laws, as it reflects on my letters attach you will see all the letters I have sent certified and a timely manner as the FDCPA Act. This collection agency keeps sending me the same letter no verification, no validation, and no contractual agreement between me and the allege collection agency
10/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I receive a copy from the credit bureaus and I noticed that there were two errors in my credit profile, I took the information from the credit bureaus about this collection agency, and I send three certified mail to this collection agency the first 1- letter I asked them very politely to an account saying, ( that I am requesting validation, made to pursuant to the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, along with the corresponding local state laws ). I am requesting a " Validation '' ; that its competent evidence bearing my signature, showing that I have ( or even had ) some contractual obligation to pay them. 2- Second letter states ( Yet again they failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. additionally, I asked to please provide the names, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified " without providing any, proof, bearing my signature. 3- third letter states ( Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ). Time and time again this collection agency has violated all rules in accordance with the federal and states laws, as it reflects on my letters attach you will see all the letters I have sent certified and a timely manner as the FDCPA Act. This collection agency keeps sending me the same letter no verification, no validation, and no contractual agreement between me and the allege collection agency
04/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43232	Web
I am filing this complaint in response to your letter or phone call dated XXXX # XXXX, XXXX XXXX XXXX. I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
06/13/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33313	Web
My name is XXXX XXXX, a federally protected consumer and Im making this complaint against ARS following up from CFPB complaint # XXXX Im aware that your office received a cease and desist dated on XX/XX/XXXX and you continue to violate the cease and desist. UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE Inphynet XXXX XXXX, I DEMAND YOU DELETE THIS ACCOUNT! Under the Health Insurance Portability and Accountability Act of XXXX ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. This will also serve as your legal notice pursuant to the provisions of federal law, the Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above, including the frivolous reporting of this account to any credit reporting agency. If you fail to heed this notice and if I find that this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company as well as the original creditor for all applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA. You are also notified that should any adverse information continue to be placed on my credit reports as a result of this notice, appropriate actions will be taken. Please give this very important matter the attention it deserves. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau, the Attorney Generals office, the XXXX XXXX XXXX and the Federal Trade Commission should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful and negligent non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking actual damages or a minimum of {$10 00.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the Fair Debt Collection Practices Act and each violation of the Fair Credit Reporting Act, whichever is greater and you will be required to appear in a court venue local to me, in order to formally defend yourself.
05/19/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	AZ 85308	Web
I was contacted with a debt collection agency called HRR & G their number XXXX at XXXX on XXXX XXXX 2015. They left an electronic voice message asking me to call them asap for a debt collection issue. I did after two minutes receiving the message. They told me that XXXX XXXX XXXX of XXXX has sent my account to collection on XXXX XXXX 2015. After seeing me at the emergency room at XXXX hospital in XXXX Arizona on XXXX XXXX 2015. This was the first time I received any communication XXXX XXXX XXXX XXXX either by phone or by mail. I told them that I never received any invoices from him, however, I did receive XXXX other invoices from the company that read the XXXX and the XXXX and the hospital I received their invoice on XXXX XXXX 2015 and I paid it XXXX XXXX XXXX 2015 at XXXX and it was the first time the hospital sent me an invoice. I did call the hospital after receiving an invoice from them after five months and five days and the hospital told me that the insurance just finalized the payment on XXXX XXXX 2015. I asked the collection agency to send me a copy of the invoice that they from XXXX XXXX XXXX. The problem I have is, the collection agency already sent my file to credit agencies, at least that 's what they are saying initial, then they retracted it. not sure what to believe. XXXX XXXX XXXX never sent a bill or made any calls to me. I received invoiced from XXXX other providers that saw me at the same hospital visits and I paid them all upon receipt. I believe XXXX XXXX XXXX violated fair debt collection act by sending me to collection without sending me an invoice or attempt to contact me and let me know that I have an invoice from him. Why other providers invoices were received and his invoice was not, his invoice a small fraction of the hospital invoice. I believe XXXX XXXX XXXX and his company XXXX are not doing a good job billing their patients resulting in issues like mine. I attempted to call XXXX XXXX XXXX and the office of consumer affair at XXXX several time today on XXXX XXXX and no one took my calls or took messages from me. I called their billing office after speaking with the telephone operator at XXXX and the billing office refuse to talk to me since my file has already been sent to collection on XXXX XXXX 2015. There 's no way that XXXX XXXX XXXX was able to send the claim to my insurance company from a XXXX XXXX 2015 visit and send me an invoice and a final notice before sending me to collection by XXXX XXXX 2015. This is a blunder on XXXX XXXX XXXX and I want him to correct it by sending me an invoice so I can pay him immediately. I wish he or anyone in his office returns my calls after many failed attempts to call him and his office, only an operator answers the phone and gives me other number to call and no one answers these lines.
12/11/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07011	Web
In XXXX of XXXX I noticed a derogatory mark on my credit files reporting to all 3 major bureaus. This was for a medical debt in the amount of {$490.00} by XXXX XXXX XXXX. I immediately disputed the item with XXXX and it was unverified and deleted from my. I also disputed the same item with XXXX and XXXX. The item was also deleted from my XXXX file after a second dispute in XXXX continue to report the item. After contacting XXXX they suggested that I contact XXXX to dispute the item directly with them. I sent XXXX a letter disputing this account asking them to verify this debt ( proof of the agreement with their client granting them the authority to collect with dates/ times this debt allegedly occurred. ) sent via certified letter ( with proof ) and they received it on Friday XXXX XXXX, XXXX. Prior to sending the dispute to XXXX I did not receive any letter or communication from them whatsoever regarding this matter. On XXXX XXXX, XXXX I received a bill from XXXX demanding payment in full. The letter did not prove anything and was only a demand payment letter with the amount owed. Being this is a third party attempting to collect a debt I expected them to provide more detailed proof such as an original invoice from the original creditor with detailed info about services rendered, dates and times etc. I did not receive this. I sent another dispute via certified mail on XXXX XXXX and have yet received anything from them. Clearly this is a case of unverifiable debt on their part and I requested they remove it and report to XXXX. Under the FCRA I have a right to have this debt validated and I have not been given the evidence due under my right to prove what they say is accurate. It is still being reported as a derogatory remark on my XXXX file and has caused unnecessary financial hardship. my rights are being violated and XXXX is not following FCRA guidelines designed to protect consumers. XXXX is a collection agency ( XXXX ) party and legally obligated to furnish proof they have a right to collect on this debt. I have not been given proof and would like this company to cease reporting inaccurate information and demanding that I pay them. Or provide the information I requested and verify which should not be difficult if it valid and not erroneous or an attempt to extort money from hard working people like myself! I did n't make the rules that constitutes Fair Debt Collection, but I am following them and they are not! Can you please help me? If it is mine and I see tangible proof then I will make good on my end, if they cant provide me with something ( invoice, bill, proof etc ) its mine then I refuse to pay it and am asking you to mediate and or remedy this situation by asking them to adjust their records and send that to XXXX as well. Thank You.
04/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32828	Web
This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my credit report. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections 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, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of Florida medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages.
04/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32825	Web
This letter is being sent to you in response to your recent fraudulent verification of an unknown XXXX account on my credit report. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections 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, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX XXXX XXXX XXXX XXXX as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and XXXX XXXX associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of Florida medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages.
10/08/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60172	Web
I received a call from a local number : ( XXXX ) XXXX. They identified themselves as a debt collector called " hrrgcollection.com '' and asked if I was XXXX XXXX. I said yes I was. They then asked for me to verify my date of birth. I asked what this was about and the caller stated before proceeding they must verify my date of birth. I told the caller I could not provide PII as I had no way of verifying if the call was legitimate. Furthermore I had just checked my credit report the week before and had nothing in my report about any outstanding bill, nor was I aware of anything that may be outstanding as I keep track of all my bills that I receive. At that point the caller said he would record that I " refused to identify myself '' and hung up. However this is incorrect. I had identified myself as XXXX XXXX. When I called back to see if this was a scam or legit. I spoke to another representative and explained to them that I was very dissatisfied with how this first call was handled and that I can't just give out my DOB unless I know who is on the other end of the call and have high confidence that they are legit. She was willing to take my verification of my home address instead of my DOB. And I was OK with giving her that information since my name and address is a public record. I did express to the second representative how unhappy I was with how the initial call was handled. However she did not offer an apology. When I spoke to her supervisor to complain he argued with me for several minutes and I asked him why it was that they handled the initial call in the way they did. I asked why they didn't apologize for that. He offered the apology ( after I asked for one ) and when I said it really isn't right that I have to ask for it, he said " well we're a collection agency ''. I did tell him that I need to first verify with my insurance company before I can give out any financial information to settle the account he was referring to as I had already paid the balance of my hospital visit in full and was not informed that there was still a {$36.00} balance remaining. And second that this was a legit collection. My complain is two-fold : first it was inappropriate for the first caller to say that I " refused to identify myself '' as I did do so. Second it was inappropriate to not offer the second verification question as an option, my home address, which the second representative did do when I called back. Third it is this attitude that this collection agency and they can simply treat whomever they call any way they wish. We do not have any obligation to provide them with PII upon request without knowing who they are or if they are legit. Anyone can call me and say they are collecting a bill.
01/30/2020	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 34953	Web
To Whom It May Concern : Please be advised THIS IS MY SECOND TIME contacting this company and my issue has not been resolved. I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. You claimed to have contacted the original creditor to validated my debt and they responded via US mail in ONE DAY?! Stop the lies! These ungraceful deceiving practices will be documented. This company did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this I will proceed to exercise all my legal rights, including litigation, to protect my good name.
05/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 349XX	Web	Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in XXXX v. XXXX XXXX XXXX XXXX XXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. 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. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
09/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33563	Web	Servicemember
XX/XX/2018-I submitted two letters to XXXX regarding an account that recently showed up on my report in which I am disputing. I have no knowledge of this account and asked that the physically/manually verify this account information. The results of their investigation are simply, " verified '' however, i have asked that multiple items of this debt be verified because it does not belong to me. I have also found that the accounts in question XXXX XXXX, based in Utah and XXXX, with an address in Ohio and Florid may not be licensed to collect in the state of Florida. I am in the process of submitting a complaint to the FTC Department. XX/XX/2018-I received results of the investigation simply stating the following, " the company that reported the information has certified to XXXX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. " XX/XX/2018-I sent a certified/return receipt letter to XXXX formally asking that they provide actual EVIDENCE that I have a legal obligation to pay and ask that they provide detals of the monies they say I owe as well as provide me with a copy of the judgment they received, to identify the original creditor, copy of an agreement, as well as a copy of their license to collect in my state. I received noticed from them XX/XX/2018 simply providing a list of accounts with balances and no further details of what I had originally requested. XX/XX/2018-XX/XX/2018 and XX/XX/2018 I have also sent a re investigation request into the accounts that XXXX/XXXX/XXXX claim that they have verified via certified mail. XX/XX/2018-I sent a letter to the collection agency XXXX XXXX asking that they provide me with the full details of what they claim I owe, license information, original creditor information, payment history, proof they are licensed to collect in my State which I have found they aren't, as well as a cease and desist letter since they have attempted to contact me at my place of work as well as social media platforms on XX/XX/2018 and XX/XX/2018. I provided they with my findings and a copy of the Florida Statute they are in violation of. XX/XX/2017-XXXX sent notice that the accounts in question had been removed due to unable to verify, however, XXXX is refusing to comply. I have been disputing the debt with XXXX since last year and XXXX is the only company refusing to comply and be in line with the other companies that have already deleted this information that could not be verified. In turn they are repeatedly sending me basic information as to how they verified with the third party these debt belonging to be which is a clear violation of my rights.
07/17/2018	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	OK 73013	Web
On XX/XX/XXXX I received my annual credit report. On this report I was shocked to see a comapny I did not recognize called XXXX XXXX XXXX XXXX. I have never got any calls, statements, or invoices from them. I immediately sent a certified letter on XX/XX/2018 they received on XX/XX/XXXX that stated the following To Whom It May Concern : " This letter is being sent to you in response to your recent fraudulent reporting of medical accounts on my XXXX, XXXX & XXXX reports. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections 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, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. Or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of ( name of your State ) medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX I received a letter back over 35 days later XX/XX/2018. Stating the following response to your request for verification of this debt. XXXX has confirmed the outstanding balance of {$700.00}. They didnt send me anything I requested. no contract, info they took to confirm the persons identity, what product or service they provided ... NOTHING!
05/30/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web	Older American, Servicemember
Account Resolution Services XXXX XXXX XXXX, FL XXXX XXXX ARS Collections Inc reported an unpaid medical cost to XXXX in the amount of {$1100.00}. This was a portion of a medical cost associated with a VA benefits issue which ultimately the VA would not cover. I was only made aware of this in XX/XX/XXXX by US mail from ARS advising me of it and that unless it was settled it would be eligible for credit reporting. Yet it appears that ARS reported the unpaid medical cost to XXXX in XXXX before making me aware of the problem according to both my XXXX XXXX credit score account and my XXXX XXXX account. Regardless, I owed this amount since the VA would not cover that portion of the medical bill. Upon becoming aware of it through XXXX XXXX on XX/XX/XXXX when my hard earned credit score was dinged by 73 points, I immediately contacted XXXX with ARS Collections and paid the full amount on XX/XX/XXXX. In addition, I was told by XXXX at ARS on XX/XX/XXXX that ARS would report the payment and debt satisfaction to all ( 3 ) major credit reporting agencies within 24-48 hours and that I would receive notification of same from ARS in writing within 7-10 days. Neither of those events has happened which I have confirmed with the 3 major reporting agencies and having spoken a 2nd time on XX/XX/XXXX to XXXX at ARS Collections who confirmed that no letter of satisfaction had been sent and that they only reported debt satisfactions at the end of of each month. For over 30 years I was a " cash only ' consumer, no credit cards and I had no debts. I owned my home, my vehicles, have always paid all my service providers on or before their due dates. In late 2017 at the encouragement of a financial advisor, I applied for and received an equity loan against my home to establish a credit score which previously was '0 ' with no negative or positive history XXXX a ghost they told me. Since being given the equity loan and having paid that mortgage prior to each months due date, my credit score had risen to just short of 650. Not great but certainly a start in the right direction and credit card companies were just starting to solicit me with offers of guaranteed lines of credit at various interest rates. This is the way it is in America today. Middle class Americans working hard, trying to improve themselves while the financial and credit systems continue to beat them down. As as veteran I have always supported my country and believed it to be # 1 in the world. That opinion is changing as I continue to nurture my wisdom in my later years of life with " wide open eyes '' from many years of life experiences and seeing the changing realities of America today.
04/07/2020	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
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. I look forward to your immediate co-operation.
12/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32205	Web
DATE : XX/XX/XXXX D.O.B. XX/XX/XXXX Name : XXXX XXXX XXXX SS # XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX Whom It May Concern : This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address : XXXX XXXX XXXX, XXXX, FL XXXX SINCE XX/XX/XXXX Please also update my new phone No. Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # XXXX XXXX {$1300.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$1300.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$950.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$950.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$910.00} Date XX/XX/XXXX Creditor : XXXX XXXX XXXX ACCT # - XXXX {$790.00} Date : XX/XX/XXXX Creditor : XXXX ACCT # - XXXX {$570.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX ACCT # - XXXX {$300.00} Requested Correction : Please update any and all information to my credit reports and, take notice I have sent all the necessary evidence to support my claim ; therefore, I expect swift result on your part. In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete and correct any and all the item accordingly. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. Please let me know if you need any other information from me that may aid you in resolving this matter promptly. Sincerely, Name : XXXX XXXX XXXX
08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06118	Web
THIS IS NOT A DUPLICATE COMPLAINT i wrote to ARS ACCOUNT RESOLUTION on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. Please be advised that this is my 3rd written request to you and my my 3rd complaint through the CFPB and that i fully intend to pursue litigation AGAINST ARS ACCOUNT RESOLUTION in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance. the only document i received from ARS account resolution does not validate a debt. i have attached it to the complaint for the review of the CFPB. BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT. United States Court of Appeals, Ninth Circuit. Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795. Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant. Court of Appeals of Indiana. March 26, 2001. Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant. Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee. ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO ARS ACCOUNT RESOLUTION I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY ARS ACCOUNT RESOLUTION WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM
07/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33405	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
04/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78155	Web
On Friday, XXXX of XXXX , I received a debt collection letter from XXXX dated XXXX XXXX , XXXX for a XXXX XXXX . I called on Tuesday, XXXX XXXX , 2017 to inquire about the collection of {$100.00}. Since my husband and son are both XXXX XXXX I wanted to know which person it was concerning and to make sure it was not a scam and to also check with my insurance company on why the payment was not paid by them. The debt representative said they could not give me any details concerning the bill because of the law forbidding access to medical records without permission. She did say that the age on record must be my son and not my husband. I was told that my son who is 21 years of age and in college in XXXX , CA would have to call them to give them authority to speak with me, his mother, living in Texas. I immediately texted my son to contact them that day but having a busy class schedule and just a week from exam finals he was unable to call them on XXXX , XXXX , 2017. I called XXXX at XXXX on XXXX XXXX , 2017 b ut they did not have on file a call from my son giving authority so I still could not find out any details concerning the debt. I reached out to my son again on XXXX XXXX , 2017 and reminded him to call them and give me the authority to investigate the debt. Before my son had a chance to call he was contacted by XXXX on XXXX XXXX , 2017 an d was asked if he was XXXX XXXX which he replied yes. He was told that he had to pay the debt balance immediately. They asked if he had a credit card and demanded the credit card number immediately. He gave them the credit card info. My son is only XXXX and has not had the experience of dealing with intimidating debt collectors and he was caught off guard as to their ruthless tactics. Since my son is in school he does not have a job and he is covered on our insurance. For XXXX to require payment from him was wrong. The XXXX letter dated XXXX XXXX , XXXX said we had 30 days after receiving the notice which was XXXX XXXX , 2017 to notify the office. I contacted them twice within four business days of receiving the letter and they demanded payment on the four business day of recieving the letter. What happened to the 30 days? They clearly did not give me adequate time to investigate the debt, check with my insurance or perhaps dispute the debt. We were given no options in those four days! This is not right! XXXX XXXX . XXXX XXXX XXXX XXXX Fl XXXX Payments : P.O. XXXX XXXX XXXX Oh XXXX XXXX
05/03/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33027	Web
I have no knowledge of what i am being charged for. And have requested information multiple times from this company. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections 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, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX, and State Bar associations for violations of the FDCPS, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of state medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages.
03/19/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33312	Web
XX/XX/XXXX Complaint of Harassment Managing Authority XXXX RE : Breach of THE FAIR DEBT COLLECTION PRACTICES ACT On XX/XX/XXXX my son,, was a patient in XXXX XXXXl XXXX in the ER department. His insurance at the time was XXXX XXXX XXXX The healthcare provider did not submit the claim in a timely fashion as per their agreement with XXXX XXXX and as a result I was personally billed {$710.00} instead of being fully covered as part of my Emergency Room copay. I notified XXXX on numerous occasion of the situation and also filed an appeal with XXXX XXXX so that they would pay the claim although it was NOT my responsibility for the negligence of the Dr 's office billing department. I have received over 10 letters demanding payment from XXXX including more recent attempts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I have also received harassing phone calls on a frequent basis. In XX/XX/XXXX, after repeatedly informing XXXX representative on the phone that the full amount of {$710.00} was being processed by XXXX XXXX in an appeal, she threatened me that if I would not make a payment immediately, that my file would be in full collections and my credit would suffer. She stated that the only way to stop the lowering my credit would be to pay now. I made a payment of {$25.00} to stall the demise of my credit score. At that time, I was in a strained financial situation but I was pressured to lay out a sum of money in good faith. However, this payment did not stop the biweekly intimidating phone calls and letters. I explained the situation to XXXX when I received the latest hostile phone call on XX/XX/XXXX again, reiterated that I was actually owed back the {$25.00} paid because XXXX XXXX was paying the full {$710.00}. The representative said that I was going to be placed in aggressive collections and it will affect my credit. They said its not their responsibility to check if the debt is valid. This tactic of pressuring and misrepresentation of facts is blackmail and harassment. I have repeatedly written to XXXX and spoken to them as well as XXXX XXXX medical office. Instead of waiting for the claim to be processed by XXXX XXXX, which is out of my hands, they are trying to bait and blackmail time with pressure and threats. Please be advised that I will be making a formal complaint to the Consumer Financial Protection Bureau. I This claim is in the process of being paid by XXXX XXXX XXXX XXXX and is therefore, not my patient responsibility. The reason for the delay is the error in billing and oversight by XXXX XXXX XXXX office, not my own.
08/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ARS ACCOUNT RESOLUTION Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on THE SECOND COLLECTION ACCOUNT OPENED FRAUDULENTLY WITH ARS ACCOUNT RESOLUTION FOR THE SECOND TIME. Original Creditor : XXXXXXXX XXXX XXXX XXXX account number XXXX with a balance of ANOTHER {$1400.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. Sincerely, XXXX XXXX XXXX, Thank you
07/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33578	Web
I am beyond exhausted trying to have this problem solved with this company called XXXX XXXX XXXX in connection to XXXX XXXX XXXX. XXXX XXXX XXXX has been calling me threatening me and harassing me regarding a debt I had no knowledge of. After doing extensive research with the hospital I discovered that this debt that they are oppressive about and verbally abusing me for is an account for my underage daughter. ( Under XXXX years old ) This debt that they are claiming that I owe I had insurance that covered that medical visit. XXXX XXXX XXXX has called my workplace, my child 's School Camp, my neighbors and references that were listed on our medical sheet!!! They have called everyone who we'd known at this point except our family pet dog. At this hospital visit I sign a HIPAA form Privacy Act document. XXXX XXXX XXXX has violated our family rights in so many ways that we're ready to sue. At this point this is my last attempt to have this resolved and closed and removed off of my credit reports. I need XXXX XXXX XXXX to provide me the coordination of benefits sheets that provides all the procedure codes and the XXXX code sheet with an original signed document from me the parent of an under-aged child method of verification for this debt. I have currently opened disputes with all the credit bureaus regarding this collection that they have reported falsely on my credit report. I have filed complaints with the FTC and the Better Business Bureau about this and openly willing to share this experience with the media regarding this false reporting. I've called them on several occasions to resolve this and all they have done is yelled at me and oppressed me. I requested that they cease and desist the phone calls and letters they've been sending uncontrollably and they have violated my rights by continuing to communicate with me and this has made my child miserable!! Should they not remove this off of my credit reports I will sue for defamation, Financial injury, and willful injury under the FCRA section 623. I have supporting documents and proof where they violated my rights which I can sue under the fdcpa section 805 ( C ) regarding my cease-and-desist letter. XXXX XXXX XXXX needs to immediately delete and remove this collection account off of my credit reports otherwise I will move forward with taking legal action against them. XXXX XXXX XXXX also doesn't own this debt and have also violated under the credit laws which were updated XX/XX/2018 regarding Medical collections under the HIPAA Privacy Act. XXXX XXXX
04/16/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29730	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ARS ACCOUNT RESOLUTION for committing identity theft. I have never given ARS ACCOUNT RESOLUTION any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from ARS ACCOUNT RESOLUTION before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ARS ACCOUNT RESOLUTION can not provide me with proof such as a certified mail tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, then this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity ( including reporting of ; or verifying of this account on my credit reports. ), of this and any alleged debts until ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION continues its collection efforts, I will file for litigation for actual damages caused and ARS ACCOUNT RESOLUTION 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. Please attach copies of : Any agreement between you, myself and your client that grants you the authority to collect on this alleged debt ( trilateral contract ), or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19138	Web
CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong ARS ACCOUNT SOLUTION company this is a written request for you to cease and desist all forms communication with me effective immediately. 12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Furthermore you have no jurisdiction or authority to collect on this allege debt. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. You ARS ACCOUNT SOLUTION knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
01/15/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73072	Web
I have continued to dispute the false information that XXXX XXXX XXXX has placed on my XXXX credit report and will continue to do so, until this is deleted. It is obvious how seriously that this collection company takes this, as they close out my complaints in less than 24hrs without any real investigation. AGAIN, I NEVER received any bill for this debt from the original creditor-XXXXXXXX XXXX XXXX XXXX- who is a third party billing company out of Ohio . XXXX XXXX XXXX XXXX- based in Ohio , has been found guilty of fraudulent billing in several cases. I have NEVER been a patient at XXXX XXXX XXXX, in XXXX, OK. XXXX has falsely claimed that XXXX XXXX XXXX is in XXXX , OK, which it is not, it is in XXXX , OK-this first claim shows that their information is clearly flawed. AGAIN, my credit report shows the information given from XXXX-claims the original creditor 's service being XXXX of XX/XX/XXXX. Their claim of me being seen at XXXX XXXX XXXX in late XX/XX/XXXX is not even possible, given the fact that this hospital was torn down in XXXX of XX/XX/XXXX after being struck by a tornado. It was rebuilt and opened in XXXX of XX/XX/XXXX-reopened as XXXX XXXX XXXX hospital in XXXX, OK. More importantly, XXXX has refused to even address repeated request for validation of this debt, they refuse to provide ANY original documents proving what is owed. They are required to send proof that they own this debt or have been legally assigned this debt by the original creditor along with original documentation showing proof of debt. According to federal law, if a debt collector does not verify the debt, it is not allowed to list the debt on a person 's credit report. Also, the State of Oklahoma requires a creditor to provide the following documentation to prove the validity of a debt- proof of service, proof of breach of payment, copy of any contract or original account and documentation of assignment of debt. This information came directly from the Oklahoma Attorney General 's office, after I submitted copies of all complaints/disputes with XXXX. XXXX has now refused to comply on multiple occasions and attempted to make me think that I am incorrect and that the burden of proof lies with me, not them. XXXX is required to show proof of this debt, not pass the buck on to me. AGAIN, XXXX has shown zero proof of anything being owed. XXXX has a well established history of fraudulent activities. XXXX refuses to provide any documentation/consumer disclosure file on this debt.
06/13/2020	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	Servicemember
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 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. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
06/13/2020	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	Servicemember
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 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. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
04/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 95472	Web
Company is XXXX of XXXX, TN and Healthcare Revenue Recovery Group ( HRRG ) of XXXX, FLHRRG phone number is XXXX is with XXXX XXXX XXXX HospitalXXXX XXXX XXXX XXXX XXXXWhat Happened : I went to urgent care on XXXX/XXXX/XXXX and paid the {$20.00} co-pay required by my health insurance, XXXX, to XXXX XXXX XXXX Hospital XXXX. In XXXX, I received a notice from debt collection agencies XXXX of XXXX, TN and Healthcare Revenue XXXX Group ( HRRG ) of XXXX, FL saying that I owed {$20.00} as payment for the " physician 's fee. '' Prior to that time, the only invoice I received for the treatment was from XXXX XXXX XXXX Hospital where the urgent care is located. In several calls to XXXX and HRRG, I explained that I had already paid my co-pay and I 've been told repeatedly by the collections agents that " it does n't matter, you owe the money. '' They have refused to send me an invoice or any explanation of the need for the XXXX co-pay. I have checked with XXXX who 's confirmed that I owe only XXXX co-pay of {$20.00}. On XXXX/XXXX/XXXX, I sent a letter to HRRG explaining this, providing proof of my healthcare benefits ( and thus the co-pay ) and a copy of the payment made to XXXX XXXX XXXX Hospital. XXXX has said that this is an issue between the physician and the hospital and I conveyed that to XXXX and HRRG in my calls. On XXXX XXXX, XXXX, I received another notice from HRRG saying that I still owe the {$20.00} for physician 's services ; the letter did not acknowledge my letter of XXXX/XXXX/XXXX. When I called HRRG on XXXX/XXXX/XXXX the agent with whom I spoke again refused to send an invoice and could not clearly explain the need for me to make a payment to the physician. She was rude, interrupted me and when I asked about my letter, she simply said, " It does n't matter, you need to pay. '' No other explanation was given. If this is a real debt, there should be no hesitation in their providing copies of the invoice and a written explanation that responds to my letter. Resolution Requested : As resolution, I would like assistance with getting HRRG and XXXX to clear my debt and the record of my debt as I do n't believe I owe it. In addition, I would like for XXXX of those companies to stop contacting me about this debt. I would appreciate confirmation of your receipt of this communication. I 've sent under separate cover ( via fax ) copies of my letter to HRRG, my medical insurance benefits evidence and proof of payment of my co-pay.
07/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33162	Web
on XX/XX/XXXX the company ARS RESOLUTION solutions responded to my cfpb complaint in which i demanded for this company to validate this debt, they responded : We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX XXXX, is a provider of XXXX XXXX XXXX services at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$350.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer on XX/XX/XXXX. Our initial validation notice, including the right to dispute language, was mailed to the consumer on XX/XX/XXXX. Follow up notices were mailed to the consumer on XX/XX/XXXX and XX/XX/XXXX. Each of these notices was mailed to the consumer at the same address provided in this complaint, and were not forwarded or returned by the postal service.the response of the company is a dispect to my rights as a consumer, the company response as : Our response remains unchanged.by this being stated, ARS RESOLUTION SERVICES has accepted all liabllity by NOT providing with the documents to verify this dent under fdcpa..I NOW WILL BEGAN TO START MY FEDERAL LAW SUIT UNDER MY RIGHTS AS A CONSUMER AND UNDER United States Court of Appeals , Third Circuit. Jennifer CUSHMAN, Appellant, v. TRANS UNION CORPORATION. No.96-1553. Decided : XX/XX/XXXX and IN THE UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT No. 00-15946 TOBY NELSON, Plaintiff-Appellant, v. CHASE MANHATTAN MORTGAGE CORPORATION, et al., Defendant-Appellees. ON APPEAL FROM THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEVADA this company has continued to violated my right under fcra & fcdpa1 by not providing me the account number of this debt.2has not provided me with no proper validation documents.3.no account number in regards of this debt.4.by not ceasing and desing this collection like demanded by the consumer.5The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the THIS IS A HIPPA VIOLATION, NO RELEASE FORM HAS BEEN SIGNED BY ME THE CONSUMER UNDER SUBCHAPTER15 U.S. Code 1692g - Validation of debts ( a ) 15 U.S. Code 1692c - 15 U.S. Code 1692e
09/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33418	Web
ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION 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 Portfolio Recovery Associates, LLC 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 SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
01/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33161	Web
On XX/XX/XXXXI ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. Copies of all documents and financial instruments used to pay the disputed late payments. Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}
01/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33161	Web
On XX/XX/XXXX I ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. Copies of all documents and financial instruments used to pay the disputed late payments. Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}
01/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33161	Web
OnXX/XX/XXXX I ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. Copies of all documents and financial instruments used to pay the disputed late payments. Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}
04/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 01801	Web
XXXX XXXX I saw a collections account on my credit report from agency ARS for XXXX. XXXX XXXX was the account. ARS told me it was from an ER visit from XX/XX/XXXX. I spoke to XXXX from XXXX XXXX XXXX which was the insurance I submitted at that time. After investigating, XXXX got back to me on XXXX XXXX and explained to me XXXX had received a bulk payment for the ER visit which they are contracted to take the amount they get as payment in full and there is XXXX patient responsibility. She had Florida XXXX XXXX contact XXXX who said it was not in collections which was conflicting. She spoke to XXXX at ARS gave her the payment details and explained the policy. XXXX spoke to her manger who said they would speak to XXXX and clear the credit report. Since I can only bring my credit report up annually a year has gone by and it is still there. I spoke to XXXX at ARS on XX/XX/XXXX who told me they are holding it to see a copy of the cancelled check from XXXX XXXX. She told me no one is allowed to call and tell me this. XXXX will not speak to me only the insurance co. I have never had this happen as it has always been up to the hospital to coordinate the insurance. All my insurance information was given the day I went to the ER. XXXX told me its simple get a copy of the cancelled check and hung up on me. It has been 5 years since that claim. I spoke to XXXX at XXXX XXXX on XX/XX/XXXX. She told me she would try and request it but doesn't know if it will be possible. This seems unethical to me. XXXX was paid for the ER visit as they are contracted with XXXX XXXX. When XXXX XXXX called them directly they had no record of it being in collections. Now collections wont take it off the credit report when they were given payment details over the phone. XXXX explained they should have been faxed when XXXX gave all this information to XXXX who never made any suggestion to XXXX to fax or mail anything. XXXX told me today " XXXX is just a secretary '' Then why was she trying to resolve this with XXXX and her manager? As XXXX wont speak to the patient they bill and only the insurance company I don't understand why this wasn't handled by them with the insurance company in XXXX like the rest of the medical field that bills the insurance co. I would like this taken off of my credit report as all the information was given in XX/XX/XXXX and XXXX was told this would it would be taken care of. I was unaware that anything else was needed.
02/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85212	Web	Servicemember
This is a follow up to CFPB Complaint : XXXX-XXXX The company is falsely reporting and is violation for the Fair Debt Collection Practices Act. Please see article 809 ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. They have provided NO PROOF to me the account wasnt satisfied. The account was paid directly to the provider from my health insurance and a via money order. The ARS company would not have this as it was paid directly to the provider in question. This account and collection is not valid and the ARS company is acting fraudulently. In addition and prior to my written Cease and Desist this company ARS made multiple daily calls to my home ( XXXX ) some of these calls were outside of normal hours XXXX XXXX and late in the evening. ARS would call 8-15 times per day. The clearly were in violation of the FDCPA in the area of collection calls as well. It is not my responsibility to locate EOB 's from my insurance company nor is it my responsibility to locate a money order from years ago. This account was paid in full. Clearly there is fraud happening on both ends of this weather it is from the collection company and provider remains to be seen. ARS has a responsibility to validate the debt, they have not provided valid data to support this collection.
12/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77382	Web	Older American
XXXX ( XXXX XXXX XXXX ), a wholly owned subsidiary of XXXX placed me in collections for a bill that I never received. My first notice was the harmful, damage to my credit score when I received a notice from a negative report showing up by my credit monitoring service. I contacted XXXX regarding this collection on XXXX XXXX, XXXX. They claim that I owe a doctor for services rendered on XXXX XXXX, XXXX. I told them I never received a bill or notice of collection. They responded that they sent it and it came back. I gave them my address and asked for more information. They tried to get me to pay {$450.00} to have the collection removed from my credit report. I told them I was not familiar with the claim or alleged doctors claiming to have provided me service. I am a senior citizen living on a fixed income. I can can not afford to pay extortion money to Collection Agencies like XXXX who bully senior citizens. I got the name of the doctor and contacted the hospital to try and reach him to no avail. I then contacted XXXX to inquire as to why the bill was not paid. The XXXX Representative reviewed all of the charges and payments for that claim, including 4 different doctors that were paid for services rendered. XXXX had not received any claim from this new doctor. They also indicated that it is " Illegal '' for Doctors to bill patients without first billing XXXX. It is an " Assignment Violation '' to do so. Further, the said doctor never sent me a bill in the first place. It seems very unfair to harm me and my family by further damaging our reputation and credit scores by sending it to collections without ever sending me a bill in the first place. I contacted XXXX again today to complain. I also gave them my XXXX Number, which is also my Social Security Number plus a letter. No wonder, " Identity Theft is so rampant in America today. I have also been harmed greatly by Identity Theft due to this very sort of stupidity in our systems. I asked the lady to bill XXXX if they believe I owe them money and to remove the " Collections '' reported to the three ( 3 ) credit bureaus. I also contacted XXXX the parent company of XXXX to complain about their " Extortion '' attempts to pay them off for removing the Collection report. XXXX said essentially they do not care and to take up the matter with XXXX. I refuse to be bullied and pay extortion to criminals like XXXX. The Fair Credit Reporting Act is a joke. CFPB, DO YOUR JOB!!
07/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33162	Web
on XX/XX/XXXX the company ARS RESOLUTION SERVICES responded to my cfpb complaint in which i demanded for this company to validate this debt, they responded : We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX XXXX, is a provider of emergency room physician services at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$350.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer on XX/XX/XXXX. Our initial validation notice, including the right to dispute language, was mailed to the consumer on XX/XX/XXXX. Follow up notices were mailed to the consumer on XX/XX/XXXX and XX/XX/XXXX. Each of these notices was mailed to the consumer at the same address provided in this complaint, and were not forwarded or returned by the postal service.the response of the company is a dispect to my rights as a consumer, the company response as : Our response remains unchanged.by this being stated, ARS RESOLUTION SERVICES has accepted all liabllity by NOT providing with the documents to verify this dent under fdcpa..I NOW WILL BEGAN TO START MY FEDERAL LAW SUIT UNDER MY RIGHTS AS A CONSUMER AND UNDER United States Court of Appeals , XXXX Circuit. XXXX XXXX, Appellant, v. XXXX XXXX XXXX. XXXX. Decided : XX/XX/XXXX and IN THE UNITED STATES COURT OF APPEALS FOR THE XXXX CIRCUIT No. XXXX XXXX XXXX, Plaintiff-Appellant, v. XXXX XXXX XXXX XXXX, et al., Defendant-Appellees. ON APPEAL FROM THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEVADA this company has continued to violated my right under fcra & fcdpa1 by not providing me the account number of this debt.2has not provided me with no proper validation documents.3.no account number in regards of this debt.4.by not ceasing and desing this collection like demanded by the consumer.5The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the THIS IS A HIPPA VIOLATION, NO RELEASE FORM HAS BEEN SIGNED BY ME THE CONSUMER UNDER SUBCHAPTER15 U.S. Code 1692g - Validation of debts ( a ) 15 U.S. Code 1692c - 15 U.S. Code 1692e
12/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77382	Web	Older American
XXXX ( XXXX XXXX XXXX ), a wholly owned subsidiary of XXXX placed me in collections for a bill that I never received. My first notice was the harmful, damage to my credit score when I received a notice from a negative report showing up by my credit monitoring service. I contacted XXXX regarding this collection on XX/XX/XXXX. They claim that I owe a doctor for services rendered on XX/XX/XXXX. I told them I never received a bill or notice of collection. They responded that they sent it and it came back. I gave them my address and asked for more information. They tried to get me to pay {$450.00} to have the collection removed from my credit report. I told them I was not familiar with the claim or alleged doctors claiming to have provided me service. I am a senior citizen living on a fixed income. I can can not afford to pay extortion money to Collection Agencies like XXXX who bully senior citizens. I got the name of the doctor and contacted the hospital to try and reach him to no avail. I then contacted XXXX to inquire as to why the bill was not paid. The XXXX Representative reviewed all of the charges and payments for that claim, including 4 different doctors that were paid for services rendered. XXXX had not received any claim from this new doctor. They also indicated that it is " Illegal '' for Doctors to bill patients without first billing XXXX. It is an " Assignment Violation '' to do so. Further, the said doctor never sent me a bill in the first place. It seems very unfair to harm me and my family by further damaging our reputation and credit scores by sending it to collections without ever sending me a bill in the first place. I contacted XXXX again today to complain. I also gave them my XXXX Number, which is also my Social Security Number plus a letter. No wonder, " Identity Theft is so rampant in America today. I have also been harmed greatly by Identity Theft due to this very sort of stupidity in our systems. I asked the lady to bill XXXX if they believe I owe them money and to remove the " Collections '' reported to the three ( 3 ) credit bureaus. I also contacted XXXX the parent company of XXXX to complain about their " Extortion '' attempts to pay them off for removing the Collection report. XXXX said essentially they do not care and to take up the matter with XXXX. I refuse to be bullied and pay extortion to criminals like XXXX. The Fair Credit Reporting Act is a joke. CFPB, DO YOUR JOB!!
09/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this 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 correct any erroneous reports of this past debt as mine. I am writing to request that you please provide 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter 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. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33415	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION 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 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 California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX*
04/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33411	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - 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 XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent
01/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33410	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION 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 Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
07/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30328	Web	Servicemember
I recently sent a complaint out to tge company who said that I am represented by a attorney which is not the case. ARS needs to respond with answers. To Whom It May Concern : I am sending this letter to you in response an item your company has placed on my credit report. Today XX/XX/2013 was the first time I have become aware of this alleged debt. Be advised, 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 office 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 that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX XXXX or XXXX ), said 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 in bringing 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 I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to 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. This is an attempt to correct your records, any information obtained shall be used for that purpose.
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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION 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 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 California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
06/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34986	Web
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX
10/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33460	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Todays date : XX/XX/XXXX ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION 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 XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
07/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32905	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Todays Date : XX/XX/XXXX ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION XXXX I have report your company to XXXX 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 XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
09/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33169	Web
My credit score has been negatively impacted as a result of this company, ARS Account Resolution Services, reporting debt owed to all three major credit reporting companies ( XXXX, XXXX, and XXXX ). To start off, I never formally received any letter from this company requesting this debt or showing any proof that this debt is valid. I was constantly receiving phone calls from this debt collector requesting me to pay off this debt. When I checked my credit report I realized that my credit score was drastically impacted by the collections reported. On XX/XX/2022, I sent a Debt Validation Letter to this company requesting them to provide proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. I was sure to include in the letter that 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 their claims. This notice is an attempt to correct their records, and any information received from them will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. I advised them that I would be waiting for a response within 30 days from the date that they received the letter. The letter contained my first and last name along with my account number found on my credit report and my address. Per USPS Tracking, I found that they received the letter on XX/XX/2022, at XXXXXXXX XXXX. On XX/XX/XXXX, I received a letter from ARS Account Resolution Services stating that they received my letter but were unable to locate my account with the information that I provided. They requested that I send them additional information that may be helpful as well as a copy of the credit report showing the account in question. On XX/XX/2022, I sent them a 2nd Attempt Debt Validation Letter with all of the information that they requested from me. Per, USPS Tracking I show that they received this letter on XX/XX/2022, at XXXX XXXX. As of now, on XX/XX/2022, I check my credit report showing that they have not removed the collections on my credit report. I also have not received any validation of this debt whatsoever. As a matter of fact, they aren't even able to locate me in their system at all.
08/05/2020	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/1995 SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION 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 XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1995 SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
04/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 354XX	Web
I have disputed XXXX XXXX XXXX on several times with all three credit bureaus. The last dispute was on XX/XX/XXXX. The above collector States that the alleged accounts are accurate, but haven't sent any documentation to show that the accounts are valid. The Collector XXXX have no right to subrogate themselves in to a contract whether it's by purchase, assignment, transfer, or trade. XXXX is a third-party debit collector I didn't sign any contract with the above collector. I'm asking for the Collector to remove/ delete all alleged collection accounts from all 3 credit bureaus. They are in clear violation of Level 3 HIPAA subtitle D ARR be section of 13407 ( 1 ). No Permissible Business Purpose. The Collector has no right to collect anything from the alleged debtors without my consent / signed contract. The accounts that I'm requesting to be removed from all 3 credit bureaus are the alleged Account # XXXX with a balance of {$1100.00} & the alleged account # XXXX with a balance of {$35.00}. I'm asking for both collections be removed/ deleted from my credit report. I have no knowledge of either accounts. XXXX keep saying Accurate but haven't proven or sent any documentation with any information or a signed contract giving XXXX consent of permission to to have anything pertaining to my medical records on the alleged collection accounts. I don't have a valid contact with XXXX. It's against for any person Medical documents to be shared by without consent or a signed contract. Especially with a Third-party debt collector. If XXXX doesn't remove all accounts immediately I will be filing a formal complaint to the DHHS ( Department of Health ) and Human services, also OCR ( Office of Civil Rights. I have also ask the Collector to verify that they are licensed / Bonded to collect any debt in the state of Alabama but they refuse to verify that as well .They ignored that request on XX/XX/XXXX. I feel my Rights are being violated. No I'm not a lawyer or have all the degrees that they have but I works harder than anyone at XXXX. It's wrong and I Know my rights. I have no knowledge of these alleged accounts and I want them verified ( signed contract ) giving XXXX permission to have any alleged Medical documentation that belongs to me. I'm demanding all alleged accounts with the accounts numbers above be removed from my all 3 credit reports immediately.
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43110	Web
Notice for Proof of Claim Account : ARS ACCOUNT RESOLUTION Service # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 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. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
10/30/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77498	Web
This company ( ARS ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
01/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33147	Web
XXXX did not provide enough information. I am in too much pain, I am currently injured due to a surgeries I had a couple months apart. Why should I have to do a lot of running around spending more money and stopping my bed rest because this company are unable to comply with my request. They have send letters to me about a debt they are trying to collect and call me, but it so hard to screen shot take a picture, scan and send they documents here. Its not hard for them to do this? You are the company reporting on my credit report, you are the company trying to collect a debt I should not have to get a police report, go to the places you want me run around to that is out of my county in windy cold air that causes more pain to my infected wound from recent surgies for they debts you are trying to collect may get dismiss because you have no additional proof. You do n't have the most important part of the debt ( s ). Please provide the documents here : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay or a contract? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. Best regards XXXX XXXX XXXX ( currently injured ) If proof is needed I will open another complaint here to prove it. Now you prove these debt ( s )
07/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43232	Web
Notice for Proof of Claim Account : ARS ACCOUNT RESOLUTION XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
12/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION 80815727 I have report your company to consumerfinance.gov As 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 California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
09/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33410	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION 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 XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX XXXX, FL XXXX
10/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43219	Web
Notice for Proof of Claim Account : ARS ACCOUNT RESOLUTION XXXX To Whom it may Concern : This is a complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 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. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
08/13/2020	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/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX ACCOUNT RESOLUTION SERVI 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 XXXX 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 ACCOUNT RESOLUTION SERVI 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 Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
04/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION 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 Portfolio Recovery Associates, LLC 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44313	Web
Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 168 1 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
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/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION 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 Southern 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, FL XXXX
08/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32955	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATEXXXX ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION 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 XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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 XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/2019ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION XXXXI have report your company to consumerfinance.govAs 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 CaliforniaStop collection proceedings against me• Signatures on applications and accounts• Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
09/23/2022	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 Investigation took more than 30 days	FL 33647	Web
I am writing a follow up letter for the accountsXXXX. XXXX and on XX/XX/2022 I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( ARS ACCOUNT RESOLUTI, INPHYNET CONTRACTING SRV LLC-Original creditor ) that you say I owe money so they are also aware of my dispute with this debt. As of today, you have failed to respond to my requests! Since you have failed to respond, I assume that you have been unable to validate the debt, so I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX XXXX XXXX
08/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 334XX	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XX/XX/XXXX, XX/XX/XXXX, FL XX/XX/XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION XXXXI have report your company to consumerfinance.govAs 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 CaliforniaStop collection proceedings against me• Signatures on applications and accounts• Investigators reportXXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XX/XX/XXXX, XX/XX/XXXX, FL XX/XX/XXXX
04/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OK 73099	Web	Servicemember
For over a year ARS has wasted my time and money as well as negatively impacted my credit on purpose on debt that I have NOT claimed. They have yet to validate the debts within the allotted 30 days and even upon receiving it was NOT a validation ; instead it was a typed " verification ''. The second validation request was ignored completely. This " verification '' also has my name incorrectly on 3 of the 5 alleged debts. I am XXXX XXXX XXXX XXXX. Maybe it is my fathers debt? Maybe some random stranger. Without validation I have no way of knowing. I have been given the wrong account balance multiple times due to, amongst other things, " XXXX '' and " clicking the wrong box ''. Their automated system actually says that I owe the {$0.00} for all accounts. They have also already lost a dispute from the credit bureaus for Taking a payment for a single account ( heavily documented ) and purposely spreading the payment across multiple accounts unfairly and HIGHLY against FDCPA. Due to their shady practices with the singular payment, they impacted my credit report by hitting it with five accounts for no reason. After " fixing '' it, it caused the accounts to be removed from credit report and re-added ; FURTHER damaging my credit report for no reason. I have been hung up on over 13 times in the last month alone for mentioning their FDCPA violations. I have been transferred to a " supervisor '' line 17 times, left 17 messages, and received ZERO response. I have been told by representatives that they were going to direct message the " supervisors '' and that they will get a hold of me as soon as possible. ZERO response. I am a XXXX veteran that has service connected XXXX XXXX problems that require me to record my phone calls. I let everyone that I speak with know that I do this because of mild to moderate short term memory issues. I have been hung up on with the following statement, " what you're saying doesn't allow you to record '', click, hung up on. Twice actually. I am currently in the process of logging complaints and disputes with all credit bureaus, the Oklahoma Attorney Generals Office, CFPB, FTC, and the BBB in multiple locations. I have kept very detailed notes, recordings, screenshots, logs of phone calls, and logs of violations. I have access to all of this and would be more than happy to share if needed.
01/08/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32223	Web
The original collector, XXXX XXXX XXXX, did not submit my claim to insurance, nor did they send me a bill for a service date of XX/XX/XXXX. I did not receive a bill until XXXX sent me a bill for XXXX. I first contacted them inXX/XX/XXXX, and one of the ladies said she would send it back with my insurance information to be processed. The claim was denied because they did not file in a timely manner. When claims are not filed in a timely manner and the claim is denied, the provider must either write the amount off or try filing another appeal. I did not receive bills again from XXXX until XXXX or XX/XX/XXXX. I recently reached out again on XX/XX/XXXX and the agent that I spoke with offered me a settlement of {$790.00}, I asked if he could send me that in writing or at least email and he advised that they do not do that. I then advised him that the claim was never sent through my insurance and I would try reaching out to the original collector, XXXX XXXX XXXX, to see if they could send it back. XXXX stated that once it has been turned over to a debt collector, they can't do anything and that I would have to call XXXX and have them send the debt back. I reached out to XXXX again on XX/XX/XXXX and advised them again that the account was never submitted to insurance. The agent then told me that if it wasn't sent through insurance then the full amount becomes patient responsibility, which is incorrect and illegal. I advised him that it is illegal to not file with insurance if someone pays for and carries insurance. He again stated that it is patient responsibility and that is why he offered a 30 % discount. I advised him that even with the 30 % discount it would more than likely be more than what I would pay if they had filed through insurance. I asked him if I could give him my insurance information so it could be sent back and he stated that there was nothing he could do and he can't send it back. I advised him that I would not be paying at this time, because it was not submitted through insurance and once it's submitted then I will pay it. He said he would notate the account and that was the end of the conversation. I am lucky that I know my rights as a patient, but I am worried that this company is telling other customers this same thing and they are paying amounts that they do not need to be paying.
06/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 735XX	Web
I've been trying for almost 4 years to make XXXX remove multiple accounts dating back to XX/XX/XXXX that were opened fraudulently by someone who stole my identity. I made my first disputes on these account on or about XX/XX/XXXX with XXXX AND XXXX AS WELL AS XXXX. I MADE THEM AWARE THAT I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND XXXX AND XXXX BOTH INVESTIGATED AND FOUND THE ACCOUNTS TO BE EXACTLY WHAT I SAID THEY WERE AND THAT WAS FRAUDULENT AND BOTH XXXX AND XXXX REMOVED ALL ACCOUNTS FROM MY REPORTS ON OR ABOUT XX/XX/XXXX. I HAVE PLEADED WITH EXPERIAN TO REMOVE THE FRAUDULENT ACCOUNTS SINCE THEN AND THEY DID INFACT REMOVE ALL 6 FRAUDULENT ACCOUNTS ON OR ABOUT XX/XX/XXXX. SO I SUBMITTED AN APPLICATION WITH XXXX XXXX TO SEE ABOUT PRE-QUALIFICATION FOR A HOME PURCHASE ON XX/XX/XXXX AND TO MY SHOCK I RECIEVED A EMAIL FROM XXXX XXXX ON XX/XX/XXXX STATING THAT I COULD NOT BE PREQUALIFIED DO TO THE CREDIT REPORTS THEY HAD OBTAINED SHOWING THAT XXXX HAD PLACED THE FRAUDULENT ACCOUNTS ALL 6 OF THE PREVIOUS ONES THEY HAD UPON INVESTIGATION REMOVED IN XX/XX/XXXX. SO I SUBMITTED PROOF TO XXXX XXXX IN XXXX TEXAS SHOWING THOSE ACCOUNTS HAD IN FACT BEEN REMOVED AND THEN I CONTACTED XXXX AND ASKED THEM WHY THOSE ACCOUNTS WERE PLACED BACK ONTO MY CREDIT REPORT ON XX/XX/XXXX AND THEY REFUSE TO PROVIDE ME WITH THE ANSWER. I HAVE AGAIN PULLED XXXX, XXXX AND XXXX IN DEPTH REPORTS AND XXXX IS CLEAR WITH NO ACCOUNTS IN COLLECTIONS AND XXXX SHOWS I HAVE NO ACCOUNTS IN COLLECTIONS BUT XXXX DOES IN FACT SHOW ALL 6 PREVIOUSLY REMOVED FRAUDULENT ACCOUNT WERE PLACED BACK ON MY REPORT AND IVE AGAIN ATTEMPTED TO MAKE CONTACT WITH XXXX AND AGAIN DISPUTED THOSE SAME FRAUDULENT ACCOUNTS ONLY TO CONTINUE TO GO IGNORED. IM AT A TOTAL LOSE AS TO HOW THIS IS EVEN POOSIBLE OR LEGAL TO BE HAPPENING TO ME. IM A GRANDMOTHER STRUGGLING HARD TO TAKE BACK MY IDENTITY AND RESTORE MY CREDIT IN ORDER TO PURCHASE A HOME SO THE XXXX GRANDSONS IM RAISING WILL NEVER HAVE TO WORRY ABOUT NOT HAVING STABILITY IN THEIR LIVES WHEN IM NO LONGER ALIVE. IM TRYING TO INSURE THAT THESE BOYS WILL ALWAYS HAVE A HOME EVEN AFTER IM GONE. NOW TO BE DONE LIKE THIS IS SO WRONG AND ILLEGAL. ITS CAUSED ME MENTAL ANGUISH AND SEVERE STRESS WHERE IM NOT EVEN ABLE TO SLEEP SINCE I FOUND OUT ABOUT THIS ... .PLEASE HELP ME I DONT KNOW WHERE ELSE TO TURN TO GET THIS CORRECTED.
10/18/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 244XX	Web
My husband became ill at the age of XXXX and passed away approximately a month later on XX/XX/2018, while in a XXXX XXXX. XX/XX/2018 : I received a collections letter from XXXX. As I recognized neither the Creditor ( provider of services ) nor the amount owed, I immediately called to inquire about the correspondence. I spoke with XXXX, who told me that this was a bill for XXXX XXXX in XXXX. I told her that my husband had not been in a facility in XXXX. She said the original bill had gone to a XXXX XXXX ( XXXX? ) in XXXX XXXX, which has NEVER been an address of ours. She said she would send an itemized bill to my correct address. If this bill wasnt correct, I could write a letter and mail it to them to dispute the claim. XX/XX/2018 : Having received no correspondence reflecting this amount, I called back to XXXX and spoke with XXXX. XXXX explained that this bill is for the physician who treated XXXX at the XXXX XXXX in XXXX XXXX ( which is correct ). He goes on to explain that I would not have seen an EOB with this amount, as they have not yet billed XXXX for this service. ( Oddly disturbing fact, as I was speaking with XXXX, I overheard this in the background : lets give it up for XXXX who just got a {$430.00} (? ) payment and everyone cheered ). How many people blindly pay this, especially as there is clearly employee incentive to collect immediate payment? How can this go to collections without a single bill or a claim to XXXX? I feel as if this borders on fraud. When I asked XXXX about not billing insurance, he said that if people go ahead and pay them, the patient can still send a claim to their Insurance Company and XXXX would immediately repay the patient. I would wager the likelihood of this happening is quite low. If it took two calls for me to even discover the truth about these circumstances, how would most people know that they needed to follow up with Insurance after paying this? XXXX tried to back off from the debt collection aspect and said they handled the physicians billing. If that is the case, this correspondence should not state this communication is from XXXX ; a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. When I call in, I am also told the call will be recorded and is an attempt to collect a debt.
04/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33411	Web
XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1999 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX 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 XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1999 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
10/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NY XXXXX	Web
I have made disputes to XXXX to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation from the collection agencies and made multiple disputes with XXXX, including an XX/XX/XXXX dispute through the CFPB about XXXX not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the XXXX XX/XX/XXXX dispute investigation. XXXX confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher. Sadly, they responded to XXXX by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem to have indicated that nothing else matters, including the privacy of my medical information.
04/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34953	Web
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION 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 XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
07/25/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 14220	Web
ARS co llection agency. First appeare d on my credit report monitoring as an alert, many listings for the same amount. Never received notice in the mail. Sent them a request for validation. Never received an answer. Sent that information to XXXX , XXXX and XXXX . All XXXX agencies removed the listings. Fast forward two years la ter, again I get a notice from credit monitoring saying these have AGAIN appeared on my credit report. Disputed with XXXX , XXXX and XXXX . Again sent request to validate the debt - tracked of course though the USPS. They again failed to valid ate the debt. Still not removed from XXXX , XXXX and XXXX . I do n't recognize the account and they did not send validation of the debt. They 've now responded to my complaint via the cfpb only - I still have never received validation. They did not send it. I realize they say they 'sent validation ' yet validation was never received. I have my receipts showing they received my correspondence. In addition, I was a N YS XXXX and XXXX XXXX pa tient during the time period in question I think. Given that first " XXXX XXXX XXXX '' never sent me a bill and the n ARS has never sent me the information, and I have repeatedly asked for validation in an original itemized state ment through cfpb. If this was through XXXX hospital, they can not bill me because they failed to file or get paid by XXXX . I am not personally liable. XXXX hospital has a contract with NYS XXXX . They are acting in violation of their contract and NYS/Federal law. SO AGAIN please send me the itemized original statements so I can follow up with who I need to in XXXX . I request to see any signature pages where I agreed to pay this. In addition I had XXXX and XXXX XXXX during the accused dates of services. I gave them the information. You can not legally bill a patient who has XXXX as " XXXX Hospital '' as this response says, if they did not do their job at billing by submitting the claims to XXXX . They are in a contract with XXXX as well as the XXXX XXXX 's. I believe they do not have the documents to support this accusation of debt, and since it all was covered by XXXX / XXXX XXXX they have to write this off, they can not bill me.
03/31/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32714	Web
Account Resolution Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, NM, XXXX To : The Office of Registered Agent for Account Resolution Services From : XXXX XXXX XXXX Regarding XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members , possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. Please remove all unauthorized, fraudulent accounts promptly within XXXXour business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
06/21/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43040	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( XXXX ) 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.
05/17/2021	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 77459	Web
I have disputed this company multiple times with the credit bureaus and cfpb and my issue with their erroneous and unlawful reporting has not ceased. I've asked them to provide me with proof that they were given permission to obtain this debt from the original creditor by me. I did not sign any consent forms in my name for any medical professional to sell or contract out any bills claimed to be owed by me. A bill does not prove that the debt is validated as mine. ARS continue to respond to my disputes with a statement saying the balance owed is reporting as correct. However the balance itself is not what i am disputing nor does it justify their unlawful acts. Below is a summary of my requests made more than 60 days ago. I received a bill from you .... and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from .... Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ... ... ... ... ... for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until 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, of 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 will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	HI 96786	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX primary physician XXXX. pa ) 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 twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a 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 debt has been validated by me Please send this information to my mailing address listed above and accept this letter 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, and 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 your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. All accounts in dispute listed below : XXXX XXXX XXXX / ARS XXXX XXXX XXXX XXXX, XXXX XXXX
03/09/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34953	Web
ARS 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 ARS 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 XXXX, 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 XXXX XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
08/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45013	Web
I recently learned about important credit is and so I decided a few months ago to pull my credit report for the first time and as I did that I fount a collection on my account from XXXX XXXX XXXX. it is a medical bill that I never have heard of these people and I also have never been with insurance. I have had XXXX since I was XXXX years old and I am now XXXX. There is no way that this bill can be legit with me haven for one no acknowledgement of it and also it reporting that I would of owed something for the simple fact that I have had insurance my whole adulthood. I have many many times disputes this account I have kept getting the verified status back but never received a single paper of how this account was verified I even called this company and stated to them as what I wrote before and they were unwilling to help me or take my insurance number or my information to actually VERIFY THAT if this WAS MY ACCOUNT it would have been paid by my insurance. Ive sent my ftc report Ive sent proof my insurance I have sent everything needed to prove myself and havent got anything back to show me proof of there verification but state this is my account and hasnt even tried billing insurance or sent them a bill. I called my insurance couple and they stated I have had no lapse in my insurance and I know this because I XXXX my son in 2012 and I had insurance whole 2012 so I decided to give XXXX XXXX a call back and again was unwilling to help me and my insurance stated to me give them my insurance billing number and tell them I had insurance If this is my account they need to send caresource a bill as if this was legit mine that they would have paid it and this company XXXX XXXX was unwilling to help me at all and by all means this is violation of my rights to keep reporting this inaccurate information on my credit report that shows it is reporting different information on each credit report and that I have no acknowledgment of this account for fact I have had insurance and my insurance states they didnt bill them nothing and this company wouldnt take my insurance billing information and send it off to them and this needs to be deleted now
10/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 43219	Web
The Fair Credit Billing Act 15 U.S.CXXXX NOTE 1601 SECTION 306 BILLING PRACTICES SECTION 161 CORRECTION OF BILLING ERRORS. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et Seq ) andOhio administrative Code XXXX XXXX Program ) XXXX Program sub section XXXX FAQ XXXX and XXXX, Consumer Credit Statutes, and subtitle D XXXX SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( 1 ) BREACH OF SECURITY. Here is the list of account s belowThe bills was covered under progressive insurance of XXXX drivers of which I was a victim being the passenger XXXX drivers insurance and the hospital assistance charity program covered my bills the billing department XXXX and XXXX are members of the Ohio XXXX Association of which i am filing complaints against them because the bills was misdirected and appropriate to me because incompetent individuals who did not follow through on their duties of making sure that all of those who are rendering services was contacted with all information which caused my credit profiles XXXX to be harmed which is unlawful under HIPPA securities policies and procedures acts as indicated above the Ohio Department XXXX is be notified of this Gross Negligence and defamation of character against me due to incompetent individuals not performing their duties and discharging their office duties as promised at date of hiring. This account should have never made it to the collection agency but it did they have this account listed twice with zero balance and then the amountsXX/XX/XXXX XXXX and then ARS Account Resolution XXXX XX/XX/XXXX XXXXAlso they collection agency has XXXX offices listed with XXXX different credit bureaus XXXX which is illegal under the fair debt collection act you can not deceive an credit reporting agencies to make the alleged debt owed to be larger than what is owed XXXX debt but with XXXX difference agencies is fraudulent and deceptive to the consumer and is very harmful and because they are not here in Ohio this is malicious against my character which is defamation of character.
04/21/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 077XX	Web
My complaint is with XXXXRS accounting Resolutions Services LLC, located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX. I have been calling and emailing ARS accounting Resolutions on several occasions since XX/XX/2021 concerning their false bill reporting on my credit report. XXXX is trying to collect on a debt that I already paid and settle with another collection agency. I settle this debt with XXXX XXXX XXXX collection agency located at XXXX XXXX XXXX, XXXX SC XXXX. And I have sent to ARS proof of payment receipt. I sent ARS the letter receipt from XXXX XXXX now 4th times. ARS refuses to remove the false bill from my credit report. When I called them the representative stated that she received my email, but not the attachment. I re-sent email as well as attachments on several occasions. After several attempts I contacted XXXX, ( XXXX XXXX XXXX XXXX ) at XXXX and I spoke to a representative XXXX, who informed me to dispute ARS false bill with XXXX, as well as to contact ARS directly at a different contact telephone number that she gave me. I contacted ARS at the new number that XXXX gave me and the representative Ms XXXX advised me to re-send the proof of payment receipt via email again. This would be my 5th time sending an email to ARS accounting Resolutions Services LLC, located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX with proof of payment from XXXX XXXX XXXX collection agency located at XXXX XXXX XXXX, XXXX SC XXXX. I am filling a complaint against ARS ( accounting Resolutions Services LLC ), located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX for violating The federal Fair Debt Collection Practices Act ( FDCPA ). As a consumer my rights have been violated by ARS as their refusal to comply with Federal Law procedures in not protecting my rights as well as my violating my credit report. I would like to get {$1000.00} monetary compensated for their violations in lowering my credit report and not removing the false bill even after I have provided proof and receipt on several emails and communications. Attaching all proof of receipt and documents. Thank you
03/10/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 705XX	Web
Apparently I was seen in the emergency room at XXXX XXXX XXXX on XX/XX/XXXX and XXXX 2013. I have contacted the hospital for proof that I was on Free Care. The hospital was going through a transition at this time and no longer has access to these records. They do show that I was there and I paid nothing for my emergency room visits. The collection agency XXXX XXXX XXXX claims that they can not give me any information about the original billing office, XXXX XXXX XXXX XXXX XXXX. This is supposed to be a bill for the doctors who took care of me during these two visits. I have never received any bills from either XXXX or XXXX. After speaking to 3 different people with XXXX XXXX XXXX today, I asked to speak to a supervisor. I received a call back from a female. Her English was very broken and I couldn't understand what her name was. Prior to her I spoke to XXXX and XXXX. I was informed by XXXX and XXXX and the supervisor that it was against the law for them to give me the contact information for the original billing office. I was asked by the supervisor if I remembered going to the emergency room on these days and I told her no, this was almost 5 years ago. After telling me repeatedly they were unable to give me any information. I just had to pay this or I was going to get sued and it would ruin my credit farther. She also said I had admitted being seen at the hospital on these days. So I reminded her of my statement and she said that was incorrect. I asked that she rewind the recorded conversation and she refused to do that also. I tried on my own to find the billing company 's contact information. I couldnt find any information on XXXX or from the hospital itself. I do not have an issue with paying for my bills. I only have 3 collections on my credit report. I have spoken to the other collection agency and I am waiting on paperwork from them. I dont understand why one company is having an issue with giving me the original billing companies contact information and XXXX XXXX is being courteous and accommodating. I look forward to having this issue resolved and being able to move forward in my next venture.
12/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31602	Web
RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : ARS ACCOUNT RESOLUTION Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the XXXX XXXX XXXX XXXX program and I saw an inaccurate report from ARS ACCOUNT RESOLUTION for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$770.00}. The account status shows 'seriously past due ' and they should not say that as these debts are not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by ARS ACCOUNT RESOLUTION is a VIOLATION of the HIPAA Act of 1996. ARS ACCOUNT RESOLUTION did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against ARS ACCOUNT RESOLUTION as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX should this item not be deleted within 10 business days and until the debt has been validated and verified. ARS ACCOUNT RESOLUTION is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against ARS ACCOUNT RESOLUTION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all 3 credit bureaus : XXXX, XXXX and XXXX. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from ARS ACCOUNT RESOLUTION expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. Additionally, I can prove that at the time of service, I was both XXXX and XXXX. Not only did I have a XXXX as I am a single mother, but I also completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
09/25/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	IN 46902	Web
Upon viewing my credit reports, Account Resolution Services is not only posting an account in the amount of {$590.00}, but they are posting it TWICE, making it look like there are two separate bills for the same amount. I demand to see an agreement with ARS 's client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. I want to see an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. Moreover, Account Resolution Services did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I urge ARS to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
05/15/2023	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	FL 34234	Web
To Whom It Concern at XXXX. I received a bill from you on [ insert date ] and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until 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, of 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 will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, 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 await your reply with the above requested proof. Kind regards, XXXX XXXX I have sent them this on several different occasions they have not been able to validate the account, showing me any kind of agreement or my signature between me and the service provider.
09/23/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NC 27705	Web
Again, ARS are using obscene and profane language as well as defaming my character by communicating INDIRECTLY with my consumer report without my consent. I never gave these debt collectors my consent to speak to me, a consumer. Thats another violation. Having my private information in your records is another violation. Speaking about any medical information is also a violation. ARS initial validation notice, that theyre referring to, is another violation as well as mail fraud. I did not give my consent for this debt collector to communicate with me. XXXX mention, There is no requirement that the provider have permission from the consumer to place an account in collections. What FEDERAL law states this? Because according to FEDERAL law 15 USC 1692c ( a ), without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate with a consumer in connection with the collection of any debt. Now show me the federal law that states otherwise. ARS claims to never spoken to me but according to 15 USC 1692a ( 2 ) communication means the conveying of information regarding a debt directly or INDIRECTLY to any PERSON through ANY medium. ARS communicating indirectly about my consumer report with every reporting agency. Thats a violation as well as obscene and profane language, to me. ARS can not tell me, the consumer, what is or isn't obscene or profane language. ARS stating I even owe this alleged debt is obscene and profane language to me. I did not give ARS consent to do anything but remove my private information, XXXX out the balance on this alleged account, and pay the invoice attached to compensate me for the damages pursuant to 15 USC 1692k. I did not ask for any validation and the fact ARS insist on stating I owe this alleged debt is another violation pursuant to 15 USC 1692b ( 2 ). Furthermore, Ive attached a cease and desist letter regarding this alleged debt, so there should be no communication regarding me or my consumer report, other than whats being mentioned in the cease and desist letter. I expect my check to be mailed within 30 days. Youre on notice.
11/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34952	Web
DEMAND TO VALIDATE NOT VERIFY DEBT CLAIM RESPONSE TO 10 DAY WRITTEN NOTICE FOR A CLAIM OF DEBT IN ACCORDANCE WITH USC 31 3716, 5 USC 5514, AND 45 CFR PART 30 AND 32 AND PURSUANT 45 CFR PART 32.6 ( e ) ( 1 ) Burden of proof. ( 1 ) The Secretary has the initial burden of proving the existence or amount of the debt. 1 PLEASE TAKE NOTICE OF THE Following It has come to my attention, after scrutinizing some documents, that you are collecting monies from me that you were never entitled to. Furthermore, your original claim has errors and deliberate misrepresentations. Thus, pursuant to the truth in lending laws of the United States Code, Title 15 1601 et. seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq., this notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. Moreover, this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed by producing the following : ( 1 ) The name and address of the organization alleging the debt ; ( 2 ) The name of the actual creditor even if that is myself ; ( 3 ) The origin of the funds used to create this alleged claim of a debt and my agreement to pay that debt with a statement of full disclosure. ( 4 ) ALL associated tax forms as required by law, including all 1099s, W9s, etc. from the inception of this alleged debt. ( 5 ) Proof of claim in corresponding ACCOUNT Number # # # - # # - # # # ( 6 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. ( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or othe
08/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 081XX	Web
I am continually being called on the telephone by ARS ACCOUNT RESOLUTION over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence by writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter.
07/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32177	Web
I was seen in an ER XX/XX/XXXX and received hospital bills shortly after my visit which I paid ( even confirmed through my insurance app that all bills were paid ). In XXXX of XXXX, I started to receive an additional bill for {$68.00} from a Physician for that visit. Thinking it was taken care of and the bill was a mistake I did not inquire about the bill until XXXX when I received another notice. I expressed to the company ( with website XXXX ) my concerns on receiving a bill so long after my services were thought to have been paid. I informed them I would need to get further clarification from my insurance as to why this bill took so long for approval ect. It took longer than anticipated to get information from my insurance. When I went to pay my bill on XX/XX/XXXX I saw it was sent to a collections company HRRG. I called XXXX XXXX pay to paid the bill and expressed my discontent about it being sent to collection when they should have seen in the records that I was in the process of trying to receive additional information. They assured me that my credit would not be affected and that I should not receive any further communication about the bill. A week later I received a phone call from HRRG about the debt and was understandably upset the associate made a note that the debt was paid and told me I would not be contacted again. Today on XX/XX/XXXX I received another call from HRRG. I did not trust the number that called since it was a local number and asked for the company number. I then called the number, ( XXXX ) XXXX, to figure out why I was still being harassed about a bill that I paid on XX/XX/XXXX. The person I spoke with said they saw I had a do not call on my account, but they had no proof the bill was paid and that I needed to provide them proof in writing or call the original company ( XXXX ) to have them remove the bill from collections for them to no longer call me. So, I called the company I paid and they said the bill was paid and to just let the collections company know so they would not call back. I informed them that I had done so and still received a second call.
08/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32828	Web
I went to the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and my credit card was charged my insurance deductible max ( $ XXXX ) ( Attached ). I was XXXX and paid all bills received. In XX/XX/XXXX, I was actually credited back $ XXXX of that original $ XXXX because it actually went over my insurance max. Never received a bill from XXXX XXXX XXXX and had no outstanding debt and had many follow-up visits and was never told I still owed money and they would have let me know if I still owed money. All the sudden, a year later, in XXXX of XXXX I receive a notice from ARS that I have a collection notice for {$670.00} dollars from XXXX XXXX XXXX for my XXXX XXXXisit on XX/XX/XXXX. Again I never received a bill from them, just a collection notice from XXXX a year later. I disputed the collection with ARS ( and have to receive a response from them 6 months later ), because that should have been part of the payment I made when I went into thXXXX XXXX as I received no other bill or insurance notice for it. But it is now appearing on my credit reports and has significantly affected my credit score as I have never had a late payment or collection before. I reached out to XXXX XXXX XXXX through the XXXX ( attached ) and they said they would remove it from my credit report, but it has now been 3 months and it is still showing on my credit report. I also filed a complaint with XXXX to get it removed from my credit report based on the XXXX result, but they are saying they can't remove it. In addition the original response from XXXX XXXX XXXX said I owed the money because my deductible had not been met, but they maxed out my deductible on my credit card the night I went into the XXXX XXXX $ XXXX ) so I don't see how my deductible was all the sudden not met. So I don't think it is a valid debt, I never received a bill for the amount supposedly owed, it still doesn't show up as being owed when I go to follow-up appointments, and they agreed to drop it and remove it from my credit report which has not been done. So I would like the debt collection stopped and removed from my credit report.
07/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11226	Web
On XX/XX/XXXX I checked my credit report and noticed a collection account by Account Resolution Services ( ARS ) from the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon further examination of the account I noticed the age of the account that was reporting on XXXX, it caused some concern as the 7 year from the delinquency date had passed more than 2 ( two ) years ago. When I called Account Resolution Services ( ARS ), the collection agency that posted this collection to my XXXX credit report had ARS PRETENDED TO NOT SHOW A BALANCE ON MY CREDIT REPORT, AS HEARD ON THE RECORDED AUDIO. THEN WHY IS IT LISTED ON MY CREDIT REPORT? THE REPRESENTATIVE DID NOT HAVE A SUFFICIENT ANSWER. According to the FTC ( Federal Trade Commission ) 15 U.S. Code 1681c " The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party ( ARS ), whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. '' Please noted that I've NEVER had a bankruptcy, thus this account should have been deleted off my credit report on XX/XX/XXXX. As of this year ( XXXX ) this account is STILL LISTED ON MY CREDIT REPORT. This is a violation of the Federal Trade Commission law. Account Resolution Services ( ARS ) is also in violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, which is " consumer protection amendment, establishing legal protection from ABUSIVE DEBT COLLECTION PRACTICES, to the Consumer Credit Protection. Look for the account under XXXX XXXX
02/17/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 78617	Web
My name is XXXX XXXX, and I am experiencing a horrible billing problem for services that were provided to me on XXXX XXXX of this year in XXXX XXXX XXXX facility. First, let me assure that I understand that XXXX XXXX 's outsource the XXXX services and that the billing issue is not directly with the Hospital. I walked to the XXXX that day, with pain on my neck after being in a car accident the day before. I fill out my intake sheet completely, providing my address and SSN. A nurse took my vitals, I was checked by a doctor ( I assume ) for less than 5 minutes, and I was given a shot for the pain, being release about 30-40 minutes after my arrival. ( No XXXX, XXXX or any kind of test was performed to me ) On Friday, XXXX XXXX, a little over a month after my XXXX visit, I received a letter from a COLLECTION COMPANY. I called this company and they advised me that if I did not pay immediately {$810.00} dollars they were going to ruin my credit. I was and I am very upset. I did not have the chance to see what I am being charged for. What if there is a mistake? What if they charging me more or for services that were not provided to me? I understand that XXXX services are expensive, but {$810.00} just for the 5 minutes the Dr. saw me seems a lot. I was denied my right to see my bill and my good name is being besmirch unnecessarily. I try to contact XXXX XXXX XXXX billing department in XXXX. I have an unpleasant experience talking to a lady that threaten me to make my life a living XXXX If I continued to talk about my situation. The Fair Debt Collection Practices Act, has been violated, and I am really concern how this is going to affect my credit. The person I spoke to from XXXX billing in XXXX told me that all this happen because XXXX XXXX 's did not provide my information. Why XXXX XXXX 's did not supply my information? What happen with that paperwork that I filled out? Is there a chance that a person have access to my name, address, SSN, and other personal information? I am so scared, Identity theft is a really looming problem to me right now.
04/21/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80920	Web
I am filing an official complaint against ARS Account Resolution. They are not putting this collection back on my account, when they sent me written verification that the account was closed and they would remove it from my credit report. If it had not been for me checking my credit this morning I would not have known this. They are in violation of the FDCRA as I have asked them in the past to give me the written contract with my signature on this as well as a signed HIPAA Release form. If this account and all subsequent accounts from ARS Account resolutions are not removed from my credit report I will take legal action. If this company can not provide a signed contract, a signed HIPAA release form stating I gave this provider permission to share my medical information then I am asking they be investigated for violation of the FDCRA. I notified them in writing many times and they are now in violation. Credit Items ARS ACCOUNT RESOLUTION S Ad dress : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX No phone number available Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. Status Details : Th is account is scheduled to continue on record until XXXX XXXX . This item was updated from our processing of your dispute in XXXX XXXX . Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$580.00} High Balance : NA Recent Balance : {$580.00} Recent Payment : {$0.00} Payment History : XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX ND XXXX ND XXXX ND XXXX ND XXXX ND XXXX ND XXXX ND XXXX XXXX XXXX ND XXXX ND XXXX ND XXXX ND XXXX ND XXXX XXXX Account History : Collection as of XXXX XXXX , XXXX XXXX , XXXX XXXX Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).
07/19/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32778	Web
On XX/XX/2021 I had to take my daughter to XXXX XXXX XXXX XXXX for an emergency room visit. Since that visit, I have received monthly statements from XXXX XXXX, who I pay through their automated patient portal bill pay. In the patient portal I see billing for my daughter 's visit as well as my own medical bills. As of today, XX/XX/2021, I received a collection notification from Healthcare Revenue Recovery Group ( HRRG ) ( ref. # XXXX, letter dated XX/XX/2021 ) on behalf of FL XXXX XXXX XXXX XXXX XXXX ( Account # XXXX for {$160.00} ). I called XXXX XXXX XXXX and I was told that the emergency physician was XXXX XXXX and that he was with XXXX XXXX XXXX XXXX ( I do not recognize Florida XXXX XXXX XXXX XXXX XXXX XXXX ). According to XXXX XXXX, billing for the physician would be done by a separate XXXX XXXX team and that all bills would be displayed in my XXXX XXXX account with a specific 'access code ' for each bill. No additional bills were submitted outside of my daughter 's original bill, that I can see in the XXXX XXXX patient portal. I tracked down a number for Florida XXXX XXXX. XXXX XXXX XXXX and was directed to a company called XXXXXXXX XXXX ( XXXX XXXX. I called XXXX XXXX and asked why I was receiving a collection notification since all of my billing was done through XXXX XXXX and I never received a bill or any calls that I had any outstanding, unpaid balance. The XXXX XXXX customer service person told me their process is to send a statement and if they do not receive payment they send the account to collection. No phone calls are made. I explained that I was never made aware of any debt and that I should not be sent to a collection agency. I was told to call the collection company and make a payment. I asked to speak to a supervisor/account manager regarding this issue because I did not understand how I could be sent to collection for a bill that I never received. I was told someone would get back to me, I am still waiting for that call. I do not acknowledge this debt nor the company that has erroneously sent me to collection.
02/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19013	Web
I received my first contact by mail from Account Resolution Services ( ARS ) on XX/XX/XXXX alleging that I owed a debt and that it would be reported to my credit within 15 days of the letter which was dated for XX/XX/XXXX XXXXI immediately responded to this letter by sending a Validation letter by certified mail on the same date I received it XX/XX/XXXX. I asked for original copies, signed documents with my name admitting that I owe this alleged debt, among other documents. However, I did not receive any type of documents providing me with validation of the alleged debt. I then on XX/XX/XXXX sent a dispute letter by certified mail disputing the alleged debt and asking that all negative remarks be removed from my credit file that was reported to the three major bureaus ( XXXX XXXX, XXXX, and XXXX ) on XX/XX/XXXX affecting my credit negatively in a significant way. Not only did I not have the opportunity to respond or dispute this debt in a timely manner before it went on my credit file, my first contact by mail was to tell me it was being reported to my credit by the named company. To add to that I received no documents to validate that I owe ARS or any other company. On XX/XX/XXXX I received a letter in response to my validation request from ARS ( Account resolution services ) stating that the debt was verified by them, again this was just a letter from ARS stating this, which is not what I asked for. I asked for validation with proof in the form of documents with the name and address of the alleged creditor among other things that I have not received as of yet. I responded again to tis letter by certified mail stating that I did not ask for a statement of verification from ARS and that they failed to validate the debt and provide me with proof. I asked that because of their failure to do so that the debt be removed from my credit file and closed from their records for good. I also sent a copy of that validation request to the three major bureaus on XX/XX/XXXX and asked that they remove the negative remars from this company as well.
01/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33027	Web
There was no initial or any other type of communication on the alleged medical debt being owed. And no written notice was sent communicating name of the creditor, the amount of debt and other necessary information in accordance with section 809 of the Fair Debt Collection Practices Act ( FDCPA ). Sometime in XXXX I requested for my credit report and noticed the score had dropped from XXXX to XXXX. I took a second look and discovered a debt of {$1300.00} from XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX. I am not personally liable for my medical bills, XXXX XXXX care my Insurance company takes care of all my medical bills. I contacted XXXX XXXX care and was told that they never received this claim from XXXX XXXX XXXX XXXX. They assured me that if the claim was made they would pay. However, XXXX XXXX XXXX refused to speak to XXXX XXXX XXXX and they refused to send me information on what they paid for despite promising to fax same to me on several occasions upon my requests. I retrieved my health records to verify their position. Thereafter, I called XXXX XXXX XXXX and requested for information on the debt, but they were not forthcoming with that. After my incessant phone calls, they promised to suspend the debt from my credit report but never did that as well. I strongly believe that a collections agency should conduct its proper investigation before going after individuals for debt. If extensive investigation was conducted, XXXX XXXX XXXX would have known that I am not individually liable for medical bills and it would have discovered that I do not owe this debt. It would have also contacted the Insurance Company to pay the bill or presented the bill to the Insurance Company.. My credit score is hurting due to the unlawful and negligent act as well as unprofessionalism displayed by XXXX XXXX XXXX. Moreso, no communication was sent to me on this claim. I would like to strongly state that I do not owe this debt. At present, all I want is the entry to be deleted from credit report. Thank you.
09/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 440XX	Web
I received Emergency Care on XX/XX/2019 at XXXX XXXX XXXX XXXX. When the bill arrived, I applied for financial assistance due to poverty level income. I was granted assistance and received a letter dated XX/XX/2019 indicating that all services provided on XX/XX/2019 were paid and the accounts considered closed. On XX/XX/XXXX I received a statement from XXXX XXXX XXXX attempting to collect on services provided at XXXX XXXX XXXX XXXX in the amount of {$240.00}. I contacted XXXX XXXX XXXX XXXX XX/XX/XXXX after receiving the statement from XXXX XXXX XXXX and was told the account was closed and no amount was due. I contacted XXXX XXXX XXXX the same day and disputed the billing and asked for proof of debt. I indicated I had a letter stating the account was paid, and that I had contacted XXXX XXXX XXXX XXXX and was told I had a XXXX balance. I was told that because I was treated in the ER on XX/XX/XXXX, I owed the bill and was provided no further information why or where the bill came from. I again stated there must be an error and I wanted proof of debt owed. On XX/XX/XXXX I received a bill from HRRG for the same {$240.00}, after not having been provided any proof of the debt from XXXX XXXX XXXX. Fair Debt Collection Practices Act states that I have the right to obtain validation of debt information in order to ensure the information 's accuracy and I have been denied that right by XXXX XXXX XXXX. I was in turn passed on to a collection company instead of providing me with the information that I am due. I contacted HRRG to explain that I had already spoken with XXXX XXXX XXXX and disputed the debt. Again, I requested proof of debt, this time from HRRG, but was told there is no proof they can provide other than a duplicate of the bill I already have from XXXX XXXX XXXX. I would like proof of debt in the form of an itemized statement from XXXX XXXX XXXX XXXX, showing what items I am still owing for. XXXX XXXX XXXX XXXX is unable to provide me with that information, because they indicate my account is paid in full.
08/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH XXXXX	Web	Servicemember
I have disputed this ARS account numerous times with experian. This account have not been validated. I have sent a validation letter with the expectation and information that I requested per the validation letter which reads : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I have not received the validation information from this company and they are to remove this negative account immediately from my credit files.
02/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30144	Web
I called this company numerous times in the last 2 years. I contacted the hospital they claim to represent, and the hospital stated that I have no debts to them at all, and any bills I had were paid in full and closed. I NEVER ONCE received any information from this company about this so-called debt, or I would have disputed years ago, back 6 or 7 years ago, they claim this first occurred. I only found out about this because my credit score went down, and I was shocked to see this on my report. Every other agency ( XXXX and XXXX ) have recently removed this debt, not only because it was not mine, it was also permanently removed because from what I was advised of because it " aged off '' so I am no longer legally tied to it, is what XXXX and XXXX representatives explained to me. they stated that all other agencies should have it removed as well. When I advised the company of this nothing has been resolved, and they keep putting this closed acct on my credit report, which legally should have never been put on my report in the first place. I have gone to the police department to file a fraud report as recommended by TransUnion to go along with my dispute. I just want this company to remove this off of ALL MY CREDIT BUREAU REPORTS and leave me alone. And stop trying to illegally get money on something that has nothing to do with me at all. I pay all my bills, all bills with hospitals I had to attend have been closed and paid off for years. I am beyond sick of this with this company. Their attempts of bullying and threatening me to paying a debt that is not mine is illegal. They have tried threatening me with continuing to ruin my credit by refusing to remove their information even though I advised them it is not accurate, the agent claimed she could have a " deadbeat like me arrested '' if you look at my credit report ALL MY BILLS ARE PAID ON TIME, I NEVER MISS A PAYMENT!!! She claims if I just gave the money, they would go away. This is illegal, I want them removed from my credit report IMMEDIATLEY!!
08/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08012	Web
RE ; XXXX XXXX HOSPITALOn XX/XX/XXXX I was admitted to the XXXX XXXX Hospital in XXXX ( XXXX XXXX XXXX ) NJ. I contacted my then insurance company XXXX XXXX XXXX as I worked for t % he state and I had XXXX % hospitalization. I contacted them and they said the explanation of benefits was sent and all claims for that date have been paid especially the one for XXXX Hospital at XXXX %. They have now sold this debt to MULTIPLE COLLECTIONS AGENCIES. All of whom are threatening to enter onto my credit report. here are the agencies1. XXXX letter dated XX/XX/XXXX for date of service XXXX for XXXX ,2. XXXX letter dated XX/XX/XXXX for date of service XX/XX/XXXX for {$1200.00} AND FOR DATE OF SERVICE XX/XX/XXXX for {$1200.00}. ALSO, XXXX, is collecting the same XXXX debts that ANOTHER agency is trying to collect on called HRRG. However, XXXX was given these XXXX debts AFTER I spoke to HRRG on XX/XX/XXXX and advised the one date of XX/XX/XXXX was paid in full by my XXXX XXXX XXXX on XX/XX/XXXX as all claims for that date of service ( XX/XX/XXXX ) were paid on XX/XX/XXXX. AND I spoke directly to XXXX with HRRG on XX/XX/XXXX to clear up XX/XX/XXXX claim and made arrangements to pay XXXX month towards the XX/XX/XXXX date of service which i no longer had the same insurance. AFTER MAKING ARRANGEMENT WITH XXXX ON XX/XX/XXXX AND MAKING A XXXX PYMT THEY THEN TRANSFERRED BOTH CLAIM DATES AND AMOUNTS TO ANOTHER AGENCY XXXX! Now XXXX is trying to collect not only the one paid in full by my XXXX, but also the one I made a XXXX payment on ( which is not reflected either ). And to make matters worse, I have called XXXX XXXX 3 times now because I have arrangements with them for XXXX month but they now have added BACK ON XX/XX/XXXX for {$4900.00}!!!!!! I HAVE tried to straighten this out and multiple agencies are involved and XXXX XXXX is the one responsible for selling these debts to numerous agencies PAID or not paid. I do not owe ANYTHING FOR XX/XX/XXXXCould you please advise what I can do to straighten this out.
03/17/2018	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
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXXXXXX XXXX XXXX XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely XXXX XXXX
04/09/2020	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 Their investigation did not fix an error on your report	FL 349XX	Web	Servicemember
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. 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. Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau XXXXesponsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
01/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 43220	Web
ACCOUNT RESOLUTION SERVICE # XXXXRecently while conducting a monitor of my credit report I discovered that ACCOUNT RESOLUTION SERVICE has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX 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 HIPAA law [ HEALTH INSURANCE PORTABILITYAND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL MID OHIO to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than that is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 agency.
10/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33578	Web
On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to Account Resolution Services asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. After receiving this I responded on XX/XX/XXXX via certified mail advising Account Resolution services that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. On XX/XX/XXXX Account Resolution Services received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. I will attach every correspondence sent to and from Account Resolution Services.
02/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WA 98103	Web
I first learned of the ARS collections accounts associated with me when I received my credit report from a home mortgage lender on XXXX XX/XX/XXXX. There were XXXX open accounts with a total balance of {$2300.00}. These accounts were first opened in XX/XX/XXXX. I first contacted the collections agency Account Resolution Services ( ARS ) on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, I learned from ARS that the address associated with the account, the name, and the date of birth of the person on the account did not match mine -- only the Social Security number matched mine. On the advice of ARS I contacted the medical billing firm from which ARS acquired the debt, XXXX, on XXXX XX/XX/XXXX. XXXX did not have any records of charges associated with my name, date of birth, or Social Security number. After this, I called ARS to dispute the debt associated with my Social Security number. They instructed me to formally dispute the debt and email them a copy of my driver 's license and SSN card to XXXX. I sent a dispute letter via email on XXXX XX/XX/XXXX. I called ARS back on XXXX XX/XX/XXXX to check the status of the dispute. I was told that there was no record of having received my dispute email which I sent on XXXX XX/XX/XXXX, and that there was no one " at their desk '' in the ARS clerical department who could confirm receipt of the email. The agent with whom I spoke relayed advice from their supervisor and told me to call back in a week. I asked to speak to a supervisor and was transferred to an automated answering machine, where I left a message explaining the situation. After all of this, I feel that ARS has no intention of reviewing my dispute claim, let alone in a timely manner. The affect of these erroneous, and before now unknown debts has significantly damaged my credit score which has halted my home buying process. The negligence of ARS in this matter has significantly altered my day-to-day life and my ability to reasonably plan for the future.
08/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32707	Web
I visited the Florida Hospital on XX/XX/XXXX. After my visit, the hospital sent me an invoice statement showing that I owed a {$0.00} balance. Weeks following, a company called HRRG started calling and harassing me nearly every day. I told them that I do not know what debt they speak of that they claim I owed. The hospital says I do not owe them anything. They have continued to call me for the past two years, harassing my life every single day, although I have told them to stop calling me. They even made up an account number, making it seem like I have a legitimate debt when I do not. They created this account number out of thin air. I researched their company and found out they call and scam people. They are not a legitimate business. They steal people 's medical information. This claim has been made by countless people who have left reviews about their company, the same way I have been treated by them. They call people and claim that these people owe them money when they do not, and try to scare people into paying them money that does not belong to them. They changed their name from HRRG XXXX Healthcare XXXX Recovery Group XXXX to XXXX XXXX Account XXXX XXXX XXXX around XXXX. They are still continuing to call and harass me every single day. A woman who called from their company even told me she's not going to stop calling me although I told her to stop calling and that I do not owe them money. This is taking a toll on my life, as they are calling my phone every single day from different phone numbers, sometimes even multiple times a day. Please look into this company. They are a fraud. They are not legitimate and they are going to continue to call and keep on scamming people if something is not done to stop them. They have already been able to change their name and identity as a business. Something needs to be done to stop these thieves from illegally calling and stealing people 's money! Someone needs to be held accountable.
08/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32707	Web
I visited the Florida XXXX on XX/XX/XXXX. After my visit, the hospital sent me an invoice statement showing that I owed a {$0.00} balance. Weeks following, a company called HRRG started calling and harassing me nearly every day. I told them that I do not know what debt they speak of that they claim I owed. The hospital says I do not owe them anything. They have continued to call me for the past two years, harassing my life every single day, although I have told them to stop calling me. They even made up an account number, making it seem like I have a legitimate debt when I do not. They created this account number out of thin air. I researched their company and found out they call and scam people. They are not a legitimate business. They steal people 's medical information. This claim has been made by countless people who have left reviews about their company, the same way I have been treated by them. They call people and claim that these people owe them money when they do not, and try to scare people into paying them money that does not belong to them. They changed their name from HRRG ( Healthcare Revenue Recovery Group ) to ARS ( Account Resolution Services ) around XXXX. They are still continuing to call and harass me every single day. A woman who called from their company even told me she's not going to stop calling me although I told her to stop calling and that I do not owe them money. This is taking a toll on my life, as they are calling my phone every single day from different phone numbers, sometimes even multiple times a day. Please look into this company. They are a fraud. They are not legitimate and they are going to continue to call and keep on scamming people if something is not done to stop them. They have already been able to change their name and identity as a business. Something needs to be done to stop these thieves from illegally calling and stealing people 's money! Someone needs to be held accountable.
08/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08012	Web
RE ; XXXXOn XX/XX/XXXX I was admitted to the XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted my then insurance company XXXX as I worked for XXXX and I had 100 % XXXX. I contacted them and they said the explanation of benefits was sent and all claims for that date have been paid especially the one for XXXX at 100 %. They have now sold this debt to MULTIPLE COLLECTIONS AGENCIES. All of whom are threatening to enter onto my credit report. here are the agencies1. XXXX letter dated XX/XX/XXXX for date of service XX/XX/XXXX for XXXX ,2. ARS letter dated XX/XX/XXXX for date of service XX/XX/XXXX for {$1200.00} AND FOR DATE OF SERVICE XX/XX/XXXX for {$1200.00}. ALSO, ARS, is collecting the same two debts that ANOTHER agency is trying to collect on called HRRG. However, ARS was given these XXXX debts AFTER I spoke to HRRG on XX/XX/XXXX and advised the one date of XX/XX/XXXX was paid in full by my XXXX on XX/XX/XXXX as all claims for that date of service ( XX/XX/XXXX ) were paid on XX/XX/XXXX. AND I spoke directly to XXXX with HRRG on XX/XX/XXXX to clear up XX/XX/XXXX claim and made arrangements to pay XXXX month towards the XX/XX/XXXX date of service which i no longer had the same insurance. AFTER MAKING ARRANGEMENT WITH XXXX ON XX/XX/XXXX AND MAKING A XXXX PYMT THEY THEN TRANSFERRED BOTH CLAIM DATES AND AMOUNTS TO ANOTHER AGENCY ARS! Now ARS is trying to collect not only the one paid in full by my XXXX insurance, but also the one I made a XXXX payment on ( which is not reflected either ). And to make matters worse, I have called XXXX XXXX XXXX times now because I have arrangements with them for XXXX month but they now have added BACK ON XX/XX/XXXX for {$4900.00}!!!!!! I HAVE tried to straighten this out and multiple agencies are involved and XXXX XXXX is the one responsible for selling these debts to numerous agencies PAID or not paid. I do not owe ANYTHING FOR XX/XX/XXXXCould you please advise what I can do to straighten this out.
08/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77388	Web
ARS ACCOUNT RESOLUTION SERVICES was sent three letters via certified mail requesting verification of debt, explained there was no debt and that this is fraudulent if they can not prove such debt. ARS ACCOUNT RESOLUTION SERVICES was served an affidavit via certified mail on XX/XX/XXXX tracking # XXXX to XXXX XXXX XXXX XXXX, VA XXXX for VALIDATION OF DEBT, to verify amount was not written off and reported as loss and covered as paid by insurance, that they are true holder in due course, and if they could not due such to remove reporting from all 3 major credit bureaus or they would then owe me {$25000.00} for reporting inaccuracies to credit bureaus. ARS ACCOUNT RESOLUTION SERVICES also had to prove that my PHI was not disclosed without my authorization by furnishing an authorization release of information about any services or payment made or due if they did not render any XXXX XXXX to myself. ARS ACCOUNT RESOLUTION SERVICES did nothing and continued to report. An affidavit of notice of dishonor was sent XX/XX/XXXX certified mail no XXXX delivered XX/XX/XXXX stating they are now in my jurisdiction and musts remit payment for fraud and dishonor. No response. Sent a third and final Affidavit of Truth and Consent to judgement on XX/XX/XXXX certified Mail No XXXX delivered XX/XX/XXXX and no no such response. Stated if no response to this third request that they would then in fact agree to default judgement for fraud and agree to debt being invalid and fraudulent. This is a fraudulent company defaming my name and causing harm to me for obtaining credit, homes and much more and have already admitted by silence administratively that I do not owe them anything, there is no such debt nor eviction against my name and that they are trying to commit fraud. A judgement will be filed against them soon and I am filing a complain so they are made aware of this since they have been ignoring all of my written notices and affidavits I have sent to them.
02/09/2020	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 Their investigation did not fix an error on your report	FL 34983	Web
Dear Collection Agency Rep. THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains I am requesting, under the provisions of the FCRA, 15 USC section 168ii, that you investigate this account. I am requesting that you provide validation of these debts. True validation should not be simply verifying the original creditor, my name, and my social security number. Validation must have the requisites to enable it to be recognized and enforced by the law. In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collection or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract or similar proof ; not just a printout of the payments that were made. It does not suffice. Provide me with the following : A copy of the original contract you alleged I signed. An accounting of how payments were applied. The interest that was added along with any ancillary charges. Identify the original creditor. Prove the Statute of Limitations has not expired. Provide verification or copy of a judgement if there is one. Provide licensing information that allows you to collect in my state. Per the FDCPA 1692G, all collection activity must cease until validation is supplied. Collection activity includes credit reporting. Per the FDCPA this should not be reported to an CRA until validation is provided. If you fail to comply to this request to investigate and delete 30 days from the date of this letter, I will be forced to file a complaint with the CFPB. I will avail myself to pursue all my rights of private action under the FDCPA and or the FCRA where appropriate.
05/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43229	Web
I was reviewing my files on my credit report and I discovered XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have never given this company permission to have access to any of my personal medical records. I never received any medical services from this company. I would like to know how any of my HIPAA Act protected information was released and I would REQUEST a copy of any signed documentation approving this release of records! I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 agency.
12/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33311	Web
ARS ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 ARS or any company associate with this account # XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # *********** DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
05/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33021	Web
ARS ACCOUNT RESOLUTION ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX : ( XXXX ) XXXX Dear XXXX : 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 ARS ACCOUNT RESOLUTIONor 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 : ARS ACCOUNT RESOLUTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1969 CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
08/18/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
Once again upon reviewing my credit report I noticed accounts from ARS placed. I have NEVER received any information written nor phone calls about this alleged debt until after I asked for validation. I have NEVER been aware of this alleged debt until I pulled my credit reports this year. I mailed validation letters twice via certified mail on XX/XX/XXXX and have received no reply to them according to my request. Under the FDCPA I have a right to debt validation. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. I have asked of ARS multiple times to allow ME to validate the alleged debt by doing the following : 1 ] Sending me a detailed breakdown of fees and any collection costs and medical charges. 2 ] Sending me a copy of my signature with the provider of service to release my medical information to ARS. 3 ] Sending me FULL DOCUMENTATION of what was received from the provider of service. To this date I have NOT received any of the requested information above. I have only to this date keep receiving the same statements on ARSs letterhead that could belong to anyone and is NOT ... I repeat the ARS letterhead statements are NOT validation and can NOT and does NOT serve as proof that I owe this alleged debt. Reporting information to the credit bureaus that has NOT been validated is indeed a violation and ARS is violating the law. ARS is refusing to validate the alleged debt by not complying to my request as once again I am legally allowed to request validation. ARS must permanently cease and desist any credit bureau reporting of this alleged debt.
06/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07801	Web	Servicemember
Priors, and neither updated response did or, does not comply to ( properly ( claim of ) validated debt ) all requests within several attempts at disputes to invalid debt collection practices ; 1 ) Proof of your right to own/collect this alleged debt. 2 ) Balance claimed including all fees, interest, and penalties. 3 ) Contract bearing my personal signature. Yes, its a FDCPA violation which you insist to report to credit bureaus ; XXXX, XXXX and XXXX to your gain in self agreement that its okay to attack and damage my character validated statement at disputed claim. Requests for validation of collection been ignored beyond the refusal, to provide myself ; not presented. I now reserve the right to sue your company for the violation of my consumer rights to alignment myself with both ; FDCPA and FCRA seeking damages if, when warranted with Estoppel defense. Under no sanction if patient ( myself ) was or wasnt provided services by medical provider ( XXXX XXXX XXXX XXXX ) at your company expense ; to an attempt to collect a false debt. Within what obligated rejects, to state against in response the demands of evaluation to disputed accounts : # XXXX ( {$990.00} ) and # XXXX ( {$660.00} ) as mentioned ; in denial to prove valid informative ; at request. How could we specify in jurisdiction such amount in complete validated stated We are not in possession of medical records, treatment notes, diagnosis, or any other information that would be considered a HIPAA violation. which to the understanding ; the company been aware of this inaccuracy due to XXXX by Silence. You agree with myself on all grounds of termination of this debt to cease all invalid debt collection practices, damages, including harassment in the response to no resolution ; deletion notices to all credit bureaus, notified of this no later than 15 days. This stops now, or lawsuit processed under no hesitation within discussions in due respect need for received.
08/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33029	Web
In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX and XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 620XX	Web
This is in regards to account resolution still being reported on my credit report. There are 2 accounts being reported on my credit report with this company and XXXX has chosen to continue to violate my rights by furnishing this account after I have asked them to delete. They violated my rights and I am wanting this account to be removed. Both accounts. First I did not give Account Resolution my written instructions to furnish my account. Accoring to 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. It is clear as day yet still being reported. Also, this account is not a judgement or conviction and any other type of settlement that has involved the courts. Now according to 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Clear Violation. This account needs to be deleted. This is clear as day and needs to be deleted. I am not understanding why XXXX is not actually doing their due diligence and treating my consumer report with fairness. They have refused to deleted these accounts and I am actually over it. If these accounts are not deleted after these clear violations have been seen and established next step is to take this to court. Please do your due diligence and look at account resolution and see the violations and delete items. This item was also deleted from XXXX which means that this account should match across all XXXX if being reported to all 3 but yet XXXX has chosen to ignore my proof. I am not asking for verification. I do not need this information verified. I need this account to be looked at and seen that they have violated. XXXX AND ACCOUNT RESOLUTION have both violated me.
07/04/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 433XX	Web
Recently while conducting a monitor of my credit report I discovered that XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX 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 HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 agency
08/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33029	Web
In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX, XXXX, XXXX and XXXX as contained on my consumer credit profile at XXXX XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. A review of records compiled by the XXXX Financial Services in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
12/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33486	Web
ACCOUNT RESOLUTION SERVICES ACCOUNT NUMBERs : XXXX and XXXX XX/XX/2016 XXXX, XXXX, FL XXXX 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 ACCOUNT RESOLUTION SERVICES or any company associate with this account # XXXX and 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 XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. 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 : ACCOUNT RESOLUTION SERVICES 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 # XXXX XXXX XXXX ADDRESS XXXX, XXXX, FL XXXX
08/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32907	Web
ARS ACCOUNT RESOLUTI XXXX/XXXX/XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) 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 ARS ACCOUNT RESOLUTI or any company associate with this account 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 : ARS ACCOUNT RESOLUTI or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
11/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02302	Web
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record 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 If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
08/29/2020	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	FL 33138	Web
What is this complaint about? In compliance with the Fair Credit Information Act ( FCRA ), I submit a complaint to the collection entity ARS ACCOUNT RESOLUTION, who has a medical account in the collection value of {$1700.00}. What kind of problem do you have? They sent me a debt collector for medical concept knowing I have XXXX XXXX process demands the whole issue of health and medical expenses due to an accident involving labor suffered in the month of XX/XX/2017 ( received an electric shock ) and even me they keep seeing medical specialists. The entire issue is defendant in XXXX XXXX XXXX XXXX under case XXXX. Therefore, this entity continues to send me bills and affect my credit score, which did not allow me for XX/XX/XXXX to obtain a credit that the state granted for help for this pandemic, What happened? I communicate again with ARS to the number of phone XXXX, because it was reported and because I received a letter ( copy attached ), talk to a person named XXXX who answered my call espa ol and who will reiterate what and he told them in other lla m ADAS about my case in court and told me to c omo had a court case could not speak more with me, I asked then explain to me because then continued with the collection, calls and why to send me to collection and he told me that he could not answer anything else. What company is this complaint about? ARS Account Resolution Service a division of HRRG, LLC XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Or to XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX More information about it : Send a letter ( copy attached ) to appeal the situation because they have not paid attention, they do not give me an answer and now they evade me saying that they can not talk to me. In addition, requesting the c that and desist as a collections agency and demand that they remove me from the collection. Creditor : XXXX XXXX XXXX Reference # XXXX Account XXXX SERV Date XX/XX/17
01/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33147	Web
I have contact XXXX on XXXX XXXX, XXXX due to I have seen a recent charge on my credit report in the amount of {$980.00}. They also have two other accounts closed on my credit reporting the same amount of {$980.00}. I have called and ask to validate the debt. I have also fax them the letter to validate the debt and that im disputing the debt also. I also told them its on my credit report and the representative said yes and its not getting deleted as to to reference that, Yes she know and it staying their. I received a reply from XXXX on XXXX XXXX, XXXX they letter arrived to my place after that date. the letter they provided is not validating the debt, they only replied with papers showing the amount only. I was confused so I call XXXX .I ask Is there anyway they can remove the negative reports from my account because I received a letter Not proving that its my debt, the letter XXXX XXXX only showed 3 account with the same amount that 's not validating the debts and can you please remove the accounts from credit file it is damaging my report. She also said it is not getting removed from my credit report. I sent another letter on XXXX XXXX, XXXX stating that 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 your offices provide me with competent evidence that I have any legal obligation to pay you. On XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX has reported on my credit report that I have a 1 Month term to Pay the debt of {$980.00}. I was not informed Of the term nor was a payment plan discuss because i have not yet received information i have requested. How do i Know if the debt is mines when they are not sending in the requested info. XXXX keep FLAGGING MY CREDIT REPORT DAMAGING MY REPORT WITH INFORMATION THE HAVE NO PROOF OF NOR NOT PROVING THIS IS MY DEBT.
12/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Hello, Im shocked, surprised, stressed out both physically and mentally to find this XXXX collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record 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 If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
12/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33150	Web
ARS ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 ARS 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 : ARS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
09/23/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32907	Web
Account Resolution Services, LLC ACC # XXXXPhone : ( XXXX ) XXXXFax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXXDear 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 notify Account Resolution Services, LLC ACC # 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 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 reportPlease send me a letter explaining what you have done to : Account Resolution Services, LLC ACC 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 requestThank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX
12/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34293	Web
I have reached out to the company, asking them to verify and validate this debt. Only thing I received in XXXX was a bill I havent received anything else showing that this debt belongs to me. I am asking you to send me a contractual agreement between me and the creditor showing that I agreed upon with the creditor to pay this debt. Also, I am actually ask XXXX, you show me proof of validation of this death what you guys have not done so all you were doing is lying to the credit bureaus, and the customer financial protection bureau, which is wrong so I am asking you to show me proof of this death show me a contractual agreement show me everything that you have on his debt that shows that it belongs to me and that its valid also show me proof that you were license to even collect on this debt in the state of Florida also show me that the methods of verification you have taken to prove that this debt belongs to me darling steps have been taken, and all you were doing is responding to this matter say that you sent something that you did not send so my next step is to see you guys in court in which I am seeking an attorney to help with this matter because they seems like you guys have not done the proper steps according to the federal credit reporting act of 1971. Please respond to me with all these methods of verification. are these contractual agreements any kind agreement with my signature showing that I agreed to pay this creditor or I can wait in the contract with this creditor if any of those can not be provided I ask that you remove this off of my credit report ASAP or I will seek an attorney to do a canna soup against you, I need your license number showing as your license in the state of Florida I need everything show me that you guys are able to even collect but is that a first and foremost show me that this date is valid thank you have a nice day
01/31/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19320	Web
In XXXX of XXXX, I received a bill from XXXX or XXXX XXXX XXXX XXXX. It was for an emergency room visit in XX/XX/XXXX of {$1800.00}. I began to make payments in XXXX of XXXX. I worked out a payment plan of {$75.00} a month. I made four payments totaling {$300.00} from XXXX to XXXX. I found out that I was covered during the period of XX/XX/XXXX. It was suggested to get an eligibility letter for the period I was covered. I faxed in the eligibility letter and they said my bill was satisfied. I called on XX/XX/XXXX and they said, they were not sure when the refund would go out. Called XX/XX/XXXX at XXXX. They said, they had submitted the refund on XX/XX/XXXX and told them I had not received it and they said they would resubmit the check and I should call back in the early part of XXXX. I called back on XX/XX/XXXX and this time they said it would take thirty days and to call back in XXXX. I didnt receive the check and, so I called on XX/XX/XXXX at XXXX. They said they had mailed it out, and the check number was XXXX. I told them I didnt receive it and they said to call back tomorrow and that a supervisor would look into the checks whereabouts. I called XX/XX/XXXX, they said it was mailed on XX/XX/XXXX. I called XX/XX/XXXX and I asked for a supervisor. I spoke with supervisor and she apologized for all of the confusion and she said she would find out what was going on with the check and would XXXX the check to me. I received the check, which happened to be check number XXXX and I deposited into my bank on XX/XX/XXXX. It was returned on XX/XX/XXXX. Not only was the check returned I now I have a return check fee. The bank enclosed a copy of the check and stated that the item was returned by said financial institution for the following reason : Refer to Maker. I wanted to wait to call about the returned check until I spoke with someone from this department.
10/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33328	Web
In XXXX, XXXX, I entered a written dispute with ACCOUNT RESOLUTION SERVICES reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which did not belong to me. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim that the account did not belong to me. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of false reporting.
10/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NM 87111	Web	Servicemember
XXXX XXXX XXXX is alleging that I have an outstanding balance of {$3800.00} to medical providers for services rendered to me in the year of XXXX. Just to give you a quick background of this company. In XXXX ( if memory serves me correctly ) I contacted XXXX to settle a debit from a medical provider that alleged to have rendered medical treatments. At the time I was trying to clear all debts that was posted to the credit bureaus to obtain a government security clearance. I went ahead and paid off the debt. After settling the debt and receiving a clearance letter, it was discovered that the medical treatment was given to my daughter. At the time of service provided, my daughter was of legal age to settle her debts. My daughter did not have medical insurance and because previous records had her as a minor the provider billed me. Recently a mortgage lender provided me and my wife with an updated credit report, I again was surprised to see XXXX posted to the credit bureaus ( actually just XXXX ) a delinquent account. I contacted XXXX and disputed this account and sent in supporting documents showing I did not receive any treatment from the creditor. XXXX wrote me back and stated they notified XXXX of the dispute. They also said XXXX had 30-45 days to prove I am the account holder. Yesterday, I received a letter from XXXX stating they had confirmed the outstanding balance and listed 3 creditors ( see attached letter ). I wrote a responding letter to XXXX and again provided more detailed supporting documents to prove my claim. I am at my wits end with this company. They refuse to delete the accounts from my credit report. Is there anything more I can do? I have worked very hard to clear off every debit Ive owed. But I will not be bullied into paying this company another penny! Im very meticulous when it comes to my paperwork. Thanks for your help.
01/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WV 251XX	Web	Servicemember
I am a XXXX deploying soon. I want to purchase my house before I go. I checked my credit report and discovered a collection for {$1000.00} listed by XXXX XXXX XXXX ( XXXX in XXXX, FL ). I contacted them and they were very rude and hateful. I asked for the CEOs name ; I was refused. I asked for a fax number was refused. I then contacted the hospital, XXXX XXXX in XXXX XXXX, WV and they have been helping me to figure this out. I called my insurance from the debt ( an ER visit in XX/XX/2015 ), who was XXXX ( XXXX XXXX XXXX XXXX ). They said they had paid the hospital, paid for my XXXX and every bill submitted. Not once did they receive a bill from the physician. I did a lot of leg work and phone calls and found out that the physicians group, XXXX XXXX XXXX XXXX, had billed XXXX and not XXXX. THAT was why they did not get a payment. So instead of XXXX contacting me, they turned me over to XXXX collections. I admittedly have not checked my credit the past two years so I was unaware of this false listing. It is not my fault the wrong insurance was billed. It is not my fault ARS refuses to let me provide them a letter from the Governor of WV stating I had XXXX coverage then. It is not my fault they will not send a bill to XXXX, who says they will immediately pay and end this matter. NO, XXXX is a hateful F rated company who enjoys making others suffer. I feel this needs to be off my credit reports immediately. I have filed a complaint with the Federal Trade Commission and am considering legal action. I was told as soon as this debt is off my report, I get my loan. I have pleaded and begged ... no more! I am tired of being talked to like a dog and no cooperation. I was even told by a XXXX XXXX that only the physician could remove the debt. I have recently discovered she is not even in the US anymore. So how are they being fair? Enough!
05/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77346	Web
ARS ACCOUNT RESOLUTION, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation 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 listed address and accept this complaint 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. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
12/29/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80920	Web
ARS Account Resolution Services has ignored my written letters now on 2 separate occasions. They keep sending me a letter stating they have confirmed the outstanding balance of {$1400.00} but have failed to provide the proper physical documentation to validate the debt. XXXX can not provide the original source document according to a phone call with them today. Also even though ARS may not be guilty of breaking federal law HIPAA the medical facility is because I do not have an recollection of signing a waiver stating they could share any of my personal information with anyone other than me. Unless they have this on file the information that they turned over to you is in violation of HIPAA. There are bylaws in place in both the FDCRA and the FCRA that states that if you are going to try to collect on a debt you must have on file the original source document showing my signature. Without it this service or debt can not be validated. Electronic Communication simply saying you have confirmed the debt is not compliant within the law. At this point since I have tried by writing twice now, I am going to ask that you immediately send me the physical documents showing my signature validating that this debt is mine or cease with all collection activity immediately. You are to also send notification to all 3 bureaus removing any collection accounts from all 3 bureaus. If this is not done I will be forced to file compliants with all state and local agencies that you answer to as well as filing a compliant with the State Attorney Generals office asking for a full investigation into your collection practices. You as of this submission have 5 days to answer, comply and supply the proper notification that I have requested. The following accounts are being listed against me and can not be verified properly. 1. XXXX XXXX. XXXX XXXX. XXXX
05/05/2016	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	LA 70517	Web
This is a XXXX complaint ... I am not seeing my situation as a choice so I chose Contact me after I asked not to ... The FIRST is that this purported debt collector, ARS, Account Resolution Specialist has been calling me for months to over a year and continually asks me for my personal information over the phone. There is no way for me to know who I am speaking with. When I refuse to give out my information, even after I say that I am myself, they hang up. This is harassing in nature. If they have my information and call me they should say what they have to say ... not continue to call me and ask me for my personal information. They are not accomplishing anything other than to PHISH for my information and seems to be a very unethical business practice. I suspect, but do not know for sure, that they are trying to collect for a medical bill which leads to the SECOND related complaint ... I suspect the debt is possibly from XXXX XXXX XXXX in XXXX XXXX ( I was very ill about 2 years ago and had to see several doctors ) XXXX seems to regularly and frequently sell their debts to varied collectors. If this is the case, then XXXX too is at fault in that when I call XXXX I am told I have one balance which on its face seems as if the insurance company has paid something else, but in reality there seem to be additional remaining debts attributable to XXXX that are impossible to track because XXXX has cast bits and pieces of the debt out to varied collectors and XXXX is either unwilling or unable to provide the debtor 's information to me. There is no way for me to have an accurate accounting of what I owe. This is unduly burdensome and virtually impossible to track. I received the most recent call on XXXX/XXXX/16 about XXXX CST. Also my father was in XXXX long ago XXXX and I am not comfortable including his information in this site.
09/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33027	Web
ARS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, FL 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 ARS 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 : ARS 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 # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
12/21/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07202	Web
THE COMPANY ARS ACCOUNT RESOLUTIONS, 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 MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 169XXXX ( A ) ( XXXX ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that 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 declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, 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 whom may have knowledge concerning any such terms of information.
02/14/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 110XX	Web
The company, XXXX began calling me in the middle of XX/XX/XXXX. I know the name of the company because when they left me a voicemail ( only 2 times out of the 30 times they've called ) it stated the name of the company. After they called me about 5 times I answered and the woman asked me my birthday, I said no and then she asked " I know the day and the month why don't you just tell me the year? '' I responded no and then she simply said we will send something to your home address and she abruptly hung up. I got another call just three days later. XXXX continued to call me throughout the month of XX/XX/XXXX. They call from different phone numbers every time but they always have a XXXX area code. Since they were calling so often and every time they called me while I was working, I simply changed my answering machine to say that if they are a debt collector to please stop calling me immediately. They still continued to call while I was working. After they called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I finally picked up on XX/XX/XXXX and told them to stop calling me again. Both callers I spoke to never stated the purpose or any information on why they were calling me. They simply said it was important business information and then continued to coerce me into confirming my birthday. They continued to call throughout the month of XX/XX/XXXX and XX/XX/XXXX while I was working. I am a XXXX so I simply can't just pick up the phone while I'm in the XXXX and tell them to stop once again. The last dates that my phone logs indicate that they called my on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They call while I am working and I've been forced to ignore their calls every time because I simply can not let this outlandish form of harassment jeopardize the safety of my operation.
12/21/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07202	Web
THE COMPANY XXXX XXXX, 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 MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that 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 declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in 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 consumer 's character, general reputation, personal characterstics, 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 whom may have knowledge concerning any such terms of information.
02/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 237XX	Web
On XX/XX/XXXX I received the first and only notice from XXXX XXXX XXXX services stating an offer of settlement option to resolve the account balance only valid for 30 days from date of XX/XX/XXXX. Settle the balance of {$340.00} by making a one time payment of {$200.00} in 30 days. XXXX XXXX XXXX XXXXbalance {$340.00} serv date XX/XX/XXXX. As this was the first and only notification of debt, I called XXXX for information on what was owed and why. I was told they have no information on what was owed or why they are only the collection agency and could not help me. Being a medical Bill I called XXXX XXXX which is an umbrella health care in my area. they had no record of me what so ever of me owing any bill. I called XXXX back and informed them of this information, they informed me it did not matter I still owed the money, and it was not XXXX XXXX it was XXXX XXXX XXXX, I aked to speak to a supervisor and was diverted to voice mail. Upon calling XXXX they have no record of me owing them anything and since XXXX says what I owed was from XX/XX/XXXX XXXX informed me I did not start with them until XX/XX/XXXX and gave me some helpful advice to ask XXXX. I called XXXX for the third time and informed them of what I had learned, they said they didn't know anything about that and I still owed them the money. I asked for 3 things, 1. written official validation notice. 2. Proof of XXXX license number. 3. What state of license number and physical address as a PO Box is a red flag. I was refused this information and diverted to a supervisor voice mail. That was my last contact with XXXX and am asking what I should do next. I am willing to pay a debt that I may owe, but I need information on what the debt pertains too, not just that I owe it period with out giving me any information as what the debt is for.
03/01/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08105	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Account Resolution Solutions for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Account Resolution Solutions, 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 Account Resolution Solutions, continues its collection efforts, I will file for litigation for actual damages caused and Account Resolution Solutions, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 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.
12/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 432XX	Web
Recently while conducting a monitor of my credit report I discovered that XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. t I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. 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 agency.
08/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ 85032	Web
While living in XXXX in early XXXX, I received a collection notice for a hospital bill for XXXX ER visits that was addressed to someone with a different spelling of name for my son. I called the collection agency and informed them that my son was not in the state of XXXX for the first visit date and the debt did not belong to my son. I then called the hospital to inform them of the error and the debt did not belong to my son. My son, who was back in XXXX, drove XXXX miles to the hospital to provide his ID to prove he was not the person on the debt. I was told they would correct the issue, but it was not corrected and I continued to receive collection letters and phone calls. Each time, I notified ARS ( Account Resolutions Services ) of the error. On XXXX XXXX, XXXX as instructed by ARS, I sent a letter with a copy of one of the collection letters informing them of the error and to cease and desist collection from my son. I continued to receive collection notices so in XXXX XXXX, I reached out to the hospital 's parent company 's compliance department and spoke with XXXX XXXX. She said she would investigate and on XXXX XXXX, XXXX I received a letter from their financial department stating it was verified the debt did not belong to my son and the credit reporting agencies were notified. XXXX assured me that the records were corrected and the collection agencies, including for the physician bills, were notified of the error. All was quiet until XXXX/XXXX/XXXX when I again received a collection call from ARS. ARS was notified on multiple phone calls that this debt was not my son 's and in writing on XXXX XXXX, XXXX and to stop collection on this account. ARS has violated my son 's rights by refusing to remove his personal information from their records and to stop collection efforts.
08/31/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ 85032	Web
While living in Indiana XX/XX/XXXX, I received a collection notice for a hospital bill for XXXX XXXX visits that was addressed to someone with a different spelling of name for my son. I called the collection agency and informed them that my son was not in the state of Arizona for the first visit date and the debt did not belong to my son. I then called the hospital to inform them of the error and the debt did not belong to my son. My son, who was back in Arizona, drove XXXX miles to the hospital to provide his ID to prove he was not the person on the debt. I was told they would correct the issue, but it was not corrected and I continued to receive collection letters and phone calls. Each time, I notified ARS ( Account Resolutions Services ) of the error. On XX/XX/XXXX as instructed by ARS, I sent a letter with a copy of one of the collection letters informing them of the error and to cease and desist collection from my son. I continued to receive collection notices so XX/XX/XXXX, I reached out to the hospital 's parent company 's compliance department and spoke with XXXX XXXX. She said she would investigate and on XX/XX/XXXX I received a letter from their financial department stating it was verified the debt did not belong to my son and the credit reporting agencies were notified. XXXX XXXX assured me that the records were corrected and the collection agencies, including for the physician bills, were notified of the error. All was quiet until XX/XX/XXXX when I again received a collection call from ARS. ARS was notified on multiple phone calls that this debt was not my son 's and in writing on XX/XX/XXXX and to stop collection on this account. ARS has violated my son 's rights by refusing to remove his personal information from their records and to stop collection efforts.
10/02/2019	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 452XX	Web
On XX/XX/2019 I went to the emergency room of XXXX Hospital in XXXX, Ohio. Soon after that visit, I received an invoice for approximately {$600.00} for the emergency room fee, which was paid immediately. On XX/XX/2019 I received an invoice in the amount of {$240.00} from XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. ( XXXX ). The invoice had written on it " Final Notice. '' This was the very first invoice I received for this amount and the invoice did not reference what it was for, just said services at The XXXX Hospital. I called that company and asked them why their invoice says Final Notice when I hadn't received a first notice. They offered no explanation and asked if I wanted to pay the bill over the phone. I said " no, I need to investigate this charge. '' I then called XXXX Hospital and found out they use this billing company and the charge was for the doctor 's fee. On XX/XX/XXXX I sent this company {$100.00} toward the {$240.00}, as I wasn't even sure if it had been submitted to my insurance. Then, on XX/XX/19 I receive a call on my cell phone from HRRG ( whom I had never heard of ) and they asked for my date of birth, which I refused to give as I work for a XXXX and am familiar with fraud. After arriving home on XXXX I see a letter from HRRG which indicated they were a debt collector and telling me I needed to pay {$240.00}. I then called HRRG and tried to explain the above events and they refused to acknowledge anything. They had no record of the {$100.00} payment I made, but I then paid the remaining {$140.00}. The person on the phone asked me to give her my address. I told her that the address on the letter they sent was my address and why did she need me to give it to her. The whole thing was a horrible experience and they used scare tactics to get paid.
01/05/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33024	Web
Debtor ARS-Account Resolution Service : Receipt of written notification of the debt had a date of XXXX/XXXX/2015. I called, plus submitted written requests for validation of debt on XXXX different occasion. These requests were not honor, due to either they were unable or unwilling to provide all necessary documents to support their claim. Due to their noncompliance of honoring my written request for sufficient supporting documentation, I could only assume that my records were correct and that this debt was already paid in full as my records indicated. I then proceed to mail and file a dispute with the XXXX major creditor bureaus regarding this issue. The credit bureaus did removed this debt from my credit reports at XXXX point, but ARS has now put the debt back onto my credit reports. I called XXXX today, XXXX regarding that the debt is back on my credit report once again, which they are re-filing the dispute again. XXXX had already placed in the comments, that I had disputed this debt. But it appears that they, ARS, are continiunally updating it monthly as not paid. In the mean time, there has not been any written correspondence and/or communication from them to me regarding this debt. But they have placed this unfounded debt back on my credit report. This appears, in my opinion, to be a form of stealth harassement and stalking, for if it was not for me checking my credit reports, I would not be aware that this debt had been placed on my reports. It is causing a financial hardship by the lowering of my credit score which would hinge me from getting a competetive interest rate on any type of a future loan. Please find previously correspondence attached. Any assistance you are able to provide in resolving this matter is most greatly appreciated. Again thank you
02/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98223	Web
I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It was delivered to them on XX/XX/2018 at XXXX XXXX. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my wife did too, and XXXX has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
04/29/2020	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	Servicemember
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit scorXXXX. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. 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. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
06/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 650XX	Web
1. XXXX provided emergency medical services to me on or about XX/XX/XXXX at XXXX XXXX XXXX in XXXX, Illinois. 2. At the time of services rendered, I was insured by a healthcare plan administered by XXXX XXXX XXXX XXXX. 3. I submitted his insurance information to XXXX XXXX XXXX via its patient portal on or about XX/XX/XXXX. 4. XXXX never sent a bill to me for services rendered, nor did XXXX file a claim with XXXX XXXX , XXXX. 5. XXXX, having access to my valid insurance information and in its failure to make a good faith attempt to file a claim with XXXX XXXX XXXX XXXX, placed a bill for the amount of {$970.00} for collection with HRRG on or about XX/XX/XXXX. 6. In an attempt to collect a debt, XXXX and HRRG have refused to comply with requests to validate indebtedness by providing detailed information related to the services rendered by XXXX and its management of a claim with XXXX XXXX XXXX XXXX. 7. The latest attempt to verify the debt occurred on or about XX/XX/XXXX, wherein I received a letter from HRRG which briefly and simply stated the debt had been validated with their client, providing no further detail. 8. The acts of XXXX and HRRG as alleged above, were done and performed wantonly, willfully, and maliciously, in total disregard of my rights. 9. The aforesaid actions of Defendants were in gross violation of the federal Fair Debt Collection Practices Act ( 15 U.S.C. 1692, et seq. ) 10. The aforesaid representations made by HRRG to me were fraudulent, in that XXXX never attempted to bill me for services, never attempted to file a claim under my healthcare plan administered by XXXX XXXX XXXX XXXX, HRRG and XXXX never made a good faith attempt to validate the alleged indebtedness even after they were informed of their error by me.
03/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77433	Web
XXXX XXXX XXXX is not legally authorized to collect debt in the state of Texas and is changing their name on my credit reporting from time to time. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Based on the information filed with the Office of the Secretary of State, the bond for this company has been cancelled, and therefore they are not legally able to attempt debt collection within the state of Texas, where I reside, and can not report these false negative items to the credit bureaus. Please remove this item from my credit report ASAP. I have sent a previous complaint against XXXX collection agency. They have since changed their reporting name on my credit report. Again, Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a surety bond on file with the Secretary of State of Texas. XXXX ( XXXX XXXX XXXX ) AKA XXXX XXXX does not have an " active '' bond filed. In my previous complaint, XXXX has stated they are doing business under another agency name, however this is not listed on my credit report, what is listed does not have an " active '' surety bond filed with the State of Texas. The results from my previous complaint is on file with the Consumer Financial Protection Agency. XXXX XXXX XXXX is the company reporting on my credit file currently. This company keeps changing their name on my credit report. The company removed the reporting to the bureaus briefly after the original complaint however has since started reporting again.
06/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AR 723XX	Web
Did you buy this alleged debt? You have no proof that I indeed went to see this doctor and/ or was seen by this doctor. ARS is making an assumption that this debt is mines. I consumer XXXX XXXX did not receive any validation of this debt. This is a violation according to 15 USC 1692G. Consumers indeed are the only person that can indeed validate a debt. You as a debt collector can not. Many of debt collectors get sued for this very reason because unfortunately, you assume liability the moment that you buy this debt or communicate with the alleged consumer about this alleged debt. This is a violated to the HOSPITAL AND ALL MEDICAL CLINIC. I have the right to privacy as a consumer. Medical debt is back by protection and privacy. Company 's Response Thank you for taking the time to write us. We are a third-party debt collector. Your accounts have been placed with us for collection by medical professionals. The services received were XXXX services. Per the XXXX records, these were rendered per your initiation in urgent or emergent circumstances. If you need your medical record or consent to treatment from the time of service those records can be obtained by contacting the facility directly. Our records show we sent debt validation to you in XX/XX/2022 which confirms the date on which physicians provided services, original creditor, current balance, and language on how to dispute the debt. If you wish to obtain an itemized statement for your records, please submit your request by emailing XXXX. Our reasonable investigation has confirmed the accuracy we have about your account and verification of debt will be mailed to the address on this complaint. This communication is from a debt collector. Respectfully, XXXX XXXX and XXXX XXXX
02/24/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34234	Web
XX/XX/2023 at XXXX XXXX I contacted account resolution services and I was advised that they were told I had an attorney in which I did not have an attorney. I also was advised on a recorded line that they received my dispute from XX/XX/2023 and they did not act on it or respond on it because they were under the assumption that I had an attorney which was false pretense. I also know that, according to the federal credit reporting act. You have 30 days to respond to the letter asking to verify that they violated this right but not responded to me. Today is XX/XX/2023 they received a letter back in XX/XX/2023. They have violated the federal federal credit reporting act of that validating the dead deer, for this should be deleted. Also, they are reporting the deck is past due, which is also at XXXX to guidelines violations being that they are a credit collection company they can not report that has passed you, because the deck is not all to the empty purchased a debt from the original creditor so on Also, the debt is a violation of my HIPAA at which means no medical or personal information of mine could be sold to the collection agency and collected on by XXXX agency there, in violation of the hippo app, which is also a violation of medical records being sent to collections without my permission My conversation was being recorded, and when I brought it to the ladies attention that she screwed up, she tried to transfer me to a supervisor who also never answers the phone or ever gets back in touch with me. She said she had to watch what she said to me so she didnt XXXX herself over and when she did she needs this account needs to be deleted ASAP. I have contact with him on several different XXXX XXXX I have not gotten a response at all.
10/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27705	Web
Where in ARS letter does it meets the requirements of both the FDCPA and FCRA? Because I see over 10 violations. Ive gave ARS 3 cease and desist letters and ARS still violated it by sending me mail. Thats mail fraud as well. Not to mention, ARS violated 15 usc 1692g by not providing ( 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 judgment will be mailed to the consumer by the debt collector ; and a ( 5 ) a statement that, upon the consumers 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. ARS hasnt validated nor verified anything. I do not owe ARS anything nor am I paying ARS a dime. Where is the alleged contract between ARS and I? The exhibit, which is a piece of paper, only have some random names and numbers on it. I dont know ARS nor any other company. No evidence or proof I owe this alleged debt. ARS are violating my private protected federal consumer rights by accusing me of owing an alleged debt. ARS believes a piece of paper with words and names on it is validation. My consumer report as well as I, have been damaged so I am seeking monetary relief. I expect my check in the mail for the violations pursuant to FDCPA 15 USC 1692k civil liability.
06/23/2015	No	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 Account Resolution Services 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 Account Resolution Services purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Account Resolution Services. and myself, signed by me, stating that I have a contractual responsibility to Account Resolution Services for the alleged debtsXXXX.Provide proof that Account Resolution Services 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 Account Resolution Services. Account Resolution Services 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 Account Resolution Services 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.
04/29/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77385	Web
This collection agency got my medical information and should n't have. I signed statements on all XXXX accounts they have on file that I was indigent when the medical visit to the hospital occurred. I also did n't give the doctors, labs, hospitals permission to disclose my information to this collection agency. They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. This company is very scary and has the tact of an ape. They call at all hours of the day and night. They once called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. I feel that they were given my medical information illegally. I was on food stamps for a few months, applied and was denied unemployment, and was very poor when I visited the hospital XXXX times in 2 years. Everyone who sent me a bill from the hospital stays was informed that I was indigent at the time. No collection agency should have been given my medical financial information. This company has filed XXXX accounts on my credit report, even though the original dept was taken off my credit records. I disputed these accounts, yet they stayed on my record and continue to harass me every day.
11/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33028	Web
I sent a request for validation of the following account and received a response with NO proof that you verified the debt. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties.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 twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a 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 debt has been validated by me Please send this information to my mailing address and accept this letter 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, and 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 your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
09/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33028	Web
To whom this may concern, I want to inform your office that you are in violation of FCRA and FDCPA. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it. The list of accused collections accounts. FOLLOW AS : XXXX XXXX XXXX XXXX XXXX, ARS, and XXXX XXXX. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
02/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 080XX	Web
I had originally disputed this debt on XX/XX/2018 directly with XXXX after sending two disputes to the credit bureaus. I went on the CFPB 's website and found a sample letter to dispute this account and request what was needed to dispute & validate the debt. I received a very vague response on XX/XX/2018 that did not address or validate everything that I requested. Even on the FTC website it states the following : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. This was clearly ignored and could be argued that it is a violation of the FCRA.
10/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27705	Web
ARS piece of paper did not contain all FIVE requirements pursuant to 15 USC 1692g which states : ( 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 judgment will be mailed to the consumer by the debt collector ; and a ( 5 ) a statement that, upon the consumers 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. ARS did not mention 3, 4, nor 5. Thats a violation and ARS owe me another {$1000.00} according to 15 USC 1692k civil liability. If ARS had the power to validate or verify anything, they wouldnt be mailing me a pointless piece of paper. Which, by the way, the law does not mention a bill or a statement as validation or verification. ARS have yet to tell me who originated this credit. I still do not owe this alleged debt. ARS also is committing mail fraud according to 18 USC 1341. I did not give my consent for ARS to communicate with me and Ive been attached a cease & desist letter. Thats another violation pursuant to 15 USC 1692c. I am attaching an invoice and I expect my check in the mail. ARS has 30 days. Youre on notice.
03/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32817	Web
THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33168	Web
ARS has failed to provide me with any copies of any papers that show I agreed to pay what they say I owe, but I'll explain again. On XX/XX/XXXX and XX/XX/XXXX a derogatory mark was added on my credit report per XXXX XXXX from ARS account solution and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and 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 any hospital to sell or 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 for validation of debt and HIPAA authorization. Action to be taken : If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act. Please note that withholding the information you received from any medical provider is an attempt to be HIPAA 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 before filing a HIPPA complaint..
01/10/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43229	Web
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.To Whom It May Concern, The reason for my dispute isXXXX 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, XXXX XXXX XXXX XXXX . 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 ) XXXX 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. XXXX 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 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX 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. Thank you!
06/28/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08080	Web	Servicemember
On XX/XX/2019 I received a bill from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX. The bill was for an emergency department visit and XXXX at the XXXX Hospital by XXXX XXXX XXXX, MD. It stated that my son received the services XX/XX/2019. My son does not reside in the United States. I researched XXXX XXXX and found them to be a scam. I ignored the bill. They sent another bill a month later but then stopped sending them. On XX/XX/2019 I received a bill from Healthcare Revenue Recovery Group ( HHRG ) XXXX XXXX XXXX XXXX, Florida XXXX. This bill shows the same service and cost as the one from XXXX XXXX. Interestingly enough, the payment would be mailed to the same address as XXXX XXXX : XXXX XXXX XXXX XXXX, Ohio XXXX. I researched HHRG and also found them to be accused of scams. I ignored the bill. I received another bill from HHRG on XX/XX/2019. At this point I started researching what to do about this problem. Then, on XX/XX/2019, I received a call from HHRG. The call registered as a local number on my caller ID. The representative did not identify themselves or the company until after I insisted. Then the person attempted to obtain personal information regarding my son and myself. I refused to provide information and told the person that I researched their company on the internet and with the XXXX and that this was a scam. I went on to say that the individual stated in the bill receiving services was not even in the United States and that the physician providing the said service did not work for or with the hospital that supposedly provided the service. Then, I went on to tell them to stop sending me bills and calling. The person then disconnected the call.
04/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 774XX	Web
A debt regarding an emergency room visit for my minor daughter. The debt collector is a third party collector and is not certified in medical billing and insurance. I have no knowledge of the original hospital attempting to collect this debt. All information in this complaint about the debt and company attempting to collect it was provided by XXXX and XXXX via phone. Sequence of XXXX called me on XXXX/XXXX/2015 at XXXX XXXX CST using the number XXXX. I informed her that I was disputing this debt. I requested the mailing address for certified mail disputes. She refused to give me the mailing address for dispute resolution until I asked her XXXX times. She stated [ my daughter 's ] insurance company was XXXX XXXX. I informed her that [ my daughter 's ] insurance company is XXXX and that XXXX XXXX is her doctor 's clinic. She then requested [ my daughter 's ] insurance information. I refused to give it to her. She then hung up on me. I was unable to obtain the account number or other information regarding the debt. I then called the number XXXX back at XXXX XXXX CST and spoke with XXXX. She gave me the account number and confirmed the address stating that it was a payment center address. I asked if it was for disputes, and she confirmed that I should send the dispute there. I informed her that I was disputing my debt. She then stated she would mark my account " as refusing to pay ''. I informed her that I was not refusing to pay that I was disputing my debt via certified mail, at which point she hung up on me. I was unable to obtain further information on the debt. A certified letter of dispute and cease and desist has been mailed to the address provided by XXXX.
01/10/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73072	Web
All of the companies involved with this debt have numerous complaints against them for dishonest and illegal practices. XXXX XXXX XXXX and XXXX XXXX of Oklahoma, both violate consumer rights non stop. I filed a complaint against XXXX yesterday and in less than 24 hours they dismissed my complaint and closed it out. Their response was full of inaccurate information. Again, they have refused to provide my consumer disclosure file, ANY proof of debt validation or any other information as they are required to do in accordance with federal law. They have also refused to show proof that they are legally able to pursue this debt in the state of Oklahoma, especially considering they have admitted that they are not the original debt collector. In their response, they are trying to play games and say that my speculation from where this debt came from is completely false. There again, they have NEVER provided any proof or actual bill from the original source. They are now claiming that this is from XXXX XXXX XXXX, which I have NEVER been a patient at and is located in XXXX, Ok, NOT XXXX, Ok. The information on my credit file, indicates this is from sometime in XX/XX/2013. XXXX XXXX XXXX was struck by a tornado in XX/XX/2013 and completely torn down by XX/XX/2013. This is a verifiable fact, just like the fact, that I have NEVER been a registered patient at XXXX XXXX XXXX. Another verifiable fact, when one does a simple search for XXXX XXXX of Oklahoma, there are literally thousands of consumer complaints, where they have done the exact same thing to many other people, NEVER billing them, and multiple examples where they attempted to commit insurance fraud and were caught.
12/19/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07111	Web
This company I never heard of reported a medical debt on my consumer report claiming I owe them but never sent me and documents to prove how I owe them or any type of verification I have requested several times directly through usps mail and have been ignored since XX/XX/XXXX. They are also reporting inaccurate incomplete information they are reporting the account opened up XX/XX/XXXX but payment history only shows from XX/XX/XXXX. According to 15 U.S.C 1692g- validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
03/12/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 35405	Web	Servicemember
In XX/XX/XXXX, I applied for credit and to my surprise I had a numerous amounts of accounts from XXXX company. I contacted them on XX/XX/XXXX in reference to these accounts that were on my credit file and communicated to them that I had no knowledge of these and no communication from XXXX in reference to the accounts. The agent then stated that they had no information on my account such as current address nor current telephone number. The operator then stated that they made several attempts to send a letter but it was a bad address and it was returned. Under the Fair Debt Credit Act at that point any information or accounts that they reported to my credit file were to be removed due to no communication from me and bad address with returned mail but that was not done. After that I given the agent my current information and requested for a validation letter with original contract with my signature, every notation, dates of service, dates and balances. She then stated that I needed to submit that in writing and so I did. In response to my request I did not receive original contract with my signature. The only thing that I have received from XXXX was a statement with original creditor, date of service, and balances. I have attached all correspondence from XXXX and myself. This has been an tremendous burden for me because these accounts are affecting me in an negative manner and are not valid because there is no way that I could have visited this original creditor that many times during that time and I do think that these accounts are fraudulent and that's why I requested a validation and original contract with signature for these accounts. In which was not done.
10/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 731XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX recently added two new collection debts to my report. The service 's in question was service I received on XX/XX/XXXX and XX/XX/XXXX, from XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX. XXXX XXXX was the billing agency for XXXX XXXX XXXX at that time. I have a Primary ( XXXX ) and a Secondary ( XXXX XXXX ) insurance provider. XXXX XXXX told me that they billed the secondary as the primary and was not paid. They later billed the correct primary on XX/XX/XXXX and was paid but did not bill the secondary again. I spoke with them and they were correcting their billing mistake and would be contacting XXXX to inform them of their mistake and to update the status with the collection agency. XXXX recently (XX/XX/XXXX ) sent me a settlement offer that i ignored and contacted XXXX XXXX for them to handle. I guess this is why they say there are new collection debts. The following information is provided for you verification process : XXXX XXXX XXXX XXXX Reference # : XXXX Total Balance : {$420.00} New Collections XX/XX/XXXXCreditor : XX/XX/XXXX Account # Regarding : Amt. Owed : {$210.00} Serv Date : XX/XX/XXXXCreditor : XXXX XXXX XXXX Account # Regarding : Amt. Owed : {$210.00} Serv Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I spoke with a rep ( XXXX ) onXX/XX/XXXX She stated that she would inform their billing department to rework the claim and to bill the secondary provider and that I should check back with them in two weeks, to find out what the status of the claim was. Your attention to this matter will be greatly appreciated. Please let me know if I can provide you anymore information to assist you with resolving this matter. Thank You, XXXX
08/11/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web	Servicemember
XX/XX/2022 I spoke with XXXX at XXXX. He confirmed that there was no signed contracted with my signature, but he will send me a letter of what's owed. I told him, I'm completely covered by medical insurance and has NEVER done ANY business with ARS ACCOUNT SOLUTIONS which comes off deceptive with the name also listed as ACR XXXX XXXX XXXX XXXX XXXX on my credit report, this was my reasoning for calling. XXXX also confirmed the amount owed as {$2000.00}! When I realized I was speaking to a debt collector, I immediately told XXXX I would be making a complaint to Consumer Financial Protection Bureau and we both ended the call. I want this company ( ARS ACCOUNT RESOLUTION ) to provide me the legally required validation of debt listed below : 1.Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. This requirement was established by XXXX XXXX USCA-02-C-0072 2.Proof of my identity 3.Proof that ARS ACCOUNT RESOULTIONS owns this debt or the Contract giving you power to collect. 4.Proof that this debt has not been written off as a tax liability 5.In addition, I've recently learned that you're required to send me notification of this debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT! And if you think you did, then you must also send me proof that you did. I am demanding all of the following resolution in regards to my complaints Deletion from all consumer reports. Remove all remarks or comments off my consumer report Cease and rescind use of my intellectual property, my signature
07/03/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33612	Web
Back in XX/XX/XXXX I received a bill stating I owed a company called XXXX XXXX XXXX an amount of {$1800.00}. They stated if I dispute the validity of the debt they would obtain verification of the debt or obtain a copy of a judgment and mail a copy to me. I responded to them via certified mail on XX/XX/XXXX stating that my letter was a formal dispute and I was requesting validation and proof of such a document bearing my signature that I owed them a debt. On XX/XX/XXXX they responded back with a letter stating that they worked for doctors around the country and I owed a balance to them for {$1800.00}. They showed a invoice number and a account number but not what was requested of them. On XX/XX/XXXX I noticed this account on my credit report under account number XXXX. On XX/XX/XXXX I sent them another letter certified mail stating that they had not provided me with viable evidence showing that the account is being reported accurately. I advised them the description of the procedure being used to validate this debt is requested. This includes the names, addresses and phone numbers of whom they validated the debt with. This letter was not signed for or picked up by the company so I resent the same letter out on XX/XX/XXXX. On XX/XX/XXXX they responded with the same exact letter they sent back on XX/XX/XXXX, still not providing the requested information. They sent the same exact letter again on XX/XX/XXXX still not providing the requested information. This account is showing " charged off '' on my credit report. Since this company has not provided the requested information to prove that I owe them a debt I want this account removed from my credit report.
01/12/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
The company is trying to collect debts they claim are mines and refuses to send enough information I requested so I can move forward to settle the debts if they are mines. I fax the two times. and wrote complaints two times on cfpb to resolve the problem hoping they will comply with me threw this site. Still, the refuses to do so. to my knowledge the debts are not, mines and they may remove the debts they can not provide more information about from my credit report NOW. they have flagged the account on all three bureaus as like this is a game damaging a person credit for something the refuse to provide when the documents the original creditors gave them are sitting on their desk. The told me to go and actually do a run around for something they can scan, print and mail out or reply to my complaints on XXXX. I am injured and I have told them that. The place they claim I have look it up and it is out of my county. Again I will dispute this with the credit bureaus with the same documents requested. they have 30 days to send me those documents so I can handle my the debts are trying to collect if it is true it is mines. They are the ones reporting it to my credit report and they are the only ones to remove it from my credit files. Also they can provide me a contract signed with the original creditor stating that I will pay the debts. And the last statements from the originals creditors showing the dates and how the amounts are total. the amounts XXXX are trying to collect has the same amount {$980.00} for three accounts. I want the to make me believe the debts are mine. Sorry for the hard time but im not paying for something that is not mines. Thank you.
12/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43227	Web
To Whom It May Concern, The reason for my dispute is HRRG I would like to see proof of claim 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, HRRG 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 Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. HRRG 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 HRRG 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.HRRG has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
09/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 335XX	Web
XXXXXXXX XXXX XXXX ( XXXX ) attempting to collect amount for services at hospital emergency room visit in XXXX Florida. I had medical insurance and submitted insurance card at time of visit. Bill was submitted to me with no explanation. I responded to their request and sent them my insurance information once again. Several month went by and I started getting calls from XXXX. When I contacted them and stated that the bill was submitted to the insurance company and I had never received a stated saying I was not covered and my co-pay was covered. The collection agency stated that it was turned over to them and they were not going to contact the insurance company. I submitted my information to the hospital billing department and never heard another word from them but continue to be harassed by XXXX. I get no less than one to two phone calls per day to my residence and monthly bills to my residence. This has gone on for over ( 3 ) three years. When asked for an itemized bill to explain how much the insurance company has paid and is this my responsible portion I get nothing but canned statements that they are attempting to collect a debt, that is all and am I refusing to pay this debt. i comment that this debt IS NOT MINE. Once again this was a visit to the emergency for an XXXX XXXX and they gave me a prescription for XXXX or something like that. Not an extended stay/xrays or lab work. My co-pay was ( {$20.00} ) XXXX XXXX per my insurance coverage. I have since ( a ) relocated from my temporary XXXX residence where I was working. ( b ) changed companies I work for and do not have the previous employers insurance card anymore.
05/04/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32828	Web
Account Resolution Services, LLC has failed to abide by the Fair Credit Reporting Act and the Florida Consumer Collection Protection Act. I have never receive any communications prior to requesting a debt validation after finding out that they keep reporting an account on my Credit Report almost every month to keep it active and decreasing my score month after month. When I contacted them by certified Mail which was delivered on XX/XX/2022 at the address they had provided to the Credit Bureaus requesting information to validate the debt and for them to provided me a statement of such they refuse to provide such information and just send a brief letter attached with a balance for one account under supposedly my name and another of a minor. I decided to call them today XX/XX/2022 at XXXX XXXX EST and spoke to someone name XXXX XXXX XXXX XXXX, I was courteous and explained to her I wanted information to validate and verify such debt as I have been in contact with the provider them claim and they assured me there is no pending debts or balances this person claimed they had mailed the information when in fact they did not as they only sent a single page letter and that supposedly they do not represent accounts of minors which is a lie according to what they sent, when I pointed this information to her she became hostile rude and hung up the phone on me. Per the federal and state law they had failed to validate such them and they must remove the collections from my credit report no later than XX/XX/2022 ( 30 days after they receive my letter ). Also the account numbers they sent do not match the account numbers reported on my credit report.
07/10/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07008	Web
I was contacted via mail on XX/XX/2018 by XXXX XXXX XXXX to collect a debt on behalf of creditors XXXX XXXX XXXX XXXX XXXX. This debt was disputed on XX/XX/2018, citing I did not owe the debt. I requested that XXXX verify that I owe this debt in accordance with all state and federal laws within 14 days of receipt of my dispute. I heard nothing from XXXX until XX/XX/2018, and there was no debt validation or any information proving that I am responsible for this debt. I disputed their claims a second time via mail on XX/XX/2018, requesting that they evidence proof of the alleged debt, including alleged contract or other instrument bearing my signature. I did not receive any information that was requested to evidence my responsibility for this debt, yet this inaccurate account has been added to my credit file on XX/XX/2018. I disputed the account a third time on XXXX XXXX, continuously asking XXXX to verify this account. On XX/XX/2018, I received a letter stating that the debt was verified. Under the Fair Credit Reporting Act, I feel that my rights have been violated by XXXX because they did not correct, delete inaccurate, incomplete, and unverifiable information pertaining to this collection account. I specified that I would like to see the original contract, bearing my signature, accompanied by a photocopy of my Identification to verify that I'm responsible for the debt. I received nothing besides a letter that states it was verified, without evidence, which is highly questionable. I feel that XXXX have violated my rights according to the FCRA. It is my hopes to rectify this amicably before It would result in legal action against XXXX.
03/16/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08105	Web
In response to complaint XXXX ARS is still participating is 18 U.S. Code 1028A ( 1 ) -1 ) which says Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years along with violations such as 15 U.S. Code 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt stating they will continue to furnish a debt that I have not validated as true or valid. ARS has provided that they have validated a debt that can only be validated by the Alleged Original Creditor which is Myself, XXXX XXXX because I Allegedly Created the debt when I allegedly went for emergent services that is shown in the document attached below, furthermore not only have they admitted to violating these laws they have not complied with my request for copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. ARS requested I get the signature by Contacting whomever they believed was the original creditor because they can not provide such things which means ARS is illegally furnishing debt and validating debt without circumstantial evidence such as The DEBTORS WET SIGNATURE. As a result of the continued neglect to follow law that prohibits such acts, the XXXX XXXX XXXX XXXX XXXX is to be DELETED as of XX/XX/2023 or ARS will be need in CIVIL COURT FOR THESE VIOLATIONS!
06/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33176	Web
1. ARS ACCOUNT RESOLUTION ( Requesting to remove this Unauthorized and unverified Derogatory/ collection account. ) This account is involved in litigation. ( Violation ) XXXX -Status : COLLECTION ( Inaccurate reporting/Unauthorized ) - {$850.00} -Balance updated : XX/XX/XXXX ( inaccurate ) ( This is not my account ) Reporting late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) This account is inaccurate/ Unauthorized and also unverified. REMOVE XXXX. XXXX XXXX ( Requesting to remove this Unauthorized and unverified Derogatory/ collection account. ) This account is involved in litigation. ( Violation ) -Open : XX/XX/XXXX -Status : collection ( Inaccurate reporting/Unauthorized ) - {$600.00} Update this account to be removed and deleted immediately. Please respect my consumer laws and honor the changes that are inaccurate and update my report or this is considered a VIOLATION. REMOVE/ DELETE, Pursuant to 18 USC 8, Owe no debt. This company is violating my consumer rights to privacy pursuant to 15 usc 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15 usc 1681 4. If this item doesn't show delete/ Remove this will be considered as a VIOLATION under 15 usc 1681s-2. XXXX. Unauthorized inquiries that were violating my report due to no consent given/ I did NOT GIVE NON OF THESE COMPANIES PERMISSION TO PULL MY REPORT. Please remove it immediately. - XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX XXXX XX/XX/XXXX ( NO CONSENT ) XXXX, XXXX XX/XX/XXXX ( NO CONSENT ) XXXX XXXX ( NO CONSENT ) -XXXX XXXX XX/XX/XXXX ( NO CONSENT ) These companies all violate my rights 15 usc 1681s-2
02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33160	Web
Collection Company : ARS ACCOUNT RESOLUTION Address : XXXX XXXX XXXX XXXX XXXX XXXX City/ State/ Zip :XX/XX/XXXX FL XXXX XXXX have previously sent you a request to validate my debt, account number XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. But you did not provide me with the following : 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 ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm 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.
03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 322XX	Web
In 2021 I filed a report stating my social security was used to obtain XXXX XXXX as well credit card fraud. unbeknownst to me at the time I received a collections on my credit report. I then immediately filed a FTC report as well as other alerts to stop any further fraudulent activities as instructed by my cities police department. Not long after this these accounts were removed. I recently checked my credit report on all XXXX major credit reporting agencies and see that only on XXXX do I have a negative report for this account. I am upset and very confused as to why after I have healed from the crimes committed against me this now reappearing on my account brings back all the feelings I had when dealing with this circumstance in the past. If I can not find remedy for this account soon I will take the next step because of emotional anguish this is causing because of the negligence of the collection agency in not doing proper investigations and protocol. Also according to XXXX XXXX Code XXXX ( XXXX ) ( b ) Obligations With Respect To Disclosures Of Personal Information states any Authorization or Approval of a specific extension of credit directly or indirectly by the issuer of a " Credit Card '' or similar devise needs to be excluded from a credit report. And the LAWFUL definition for " Credit Card '' is any card, coupon book, or other credit devise existing for the purpose of obtaining money, property, labor, or services on credit. In this case my social security number being used illegally/Fraudulently as a credit card to obtain labor and services on credit. Again I demand this account be deleted at once.
02/07/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43207	Web
On XX/XX/21 I had TWO stitches put into my hand, and was charged OVER {$1400.00}, a procedure that on average costs right around {$200.00} altogether. I used an in network medical provider and had health insurance. I was told to pay a balance of {$480.00} before I was to be serviced, which I paid in full while I had an open gash in my hand ( documented ). I asked if there was anymore I would owe or be billed later to which I was told no. ( documented ). I was not given an option to refuse an x ray later in the procedure which I was also billed separately for and not notified, so they could code me under a level 4 service and charge me more. ( Also documented. ) I also asked for an itemized list of everything I was specifically being charged for, which I was not given and instead mailed a very vague list which only showed me I still owed {$120.00}, but the math did not add up since there was none. I was certain I had paid my debt in full already. I contacted my insurance company and they were also confused, and was put on a 3 way telephone call with the medical center I was serviced at. This call ended with the medical center unable to provide an adequate explanation as to why I somehow still owed {$120.00} after receiving {$1300.00} between my insurance company and I for XXXX STITCHES, and my insurance representative confused as how I still owed as well, or why I was forced to make a {$480.00} payment before I was allowed to be serviced when I had health insurance. Now Im being sent to a debt collector over a petty {$120.00} after receiving MORE THAN ENOUGH from insurance and I for a XXXX stitch procedure.
09/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33404	Web
ARS ACCOUNT RESOLUTION posted a random medical bill on my credit report but I dont know this company or what they are trying to collect. Addittionally I have never done business with this company I mailed them a certified letter requesting all information about the debt. The letter i sent stated I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in an attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. I have yet to receive a response from the company
03/30/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 245XX	Web
I was informed by a family member that HRRG contacted them about a medical debt incurred by my son. According to them, they called for over a month and would leave messages. I did not live there and had not for over 2 years. The phone they called was not my phone number and had not been my phone for over 2 years. The date of service was for XX/XX/21, so 8 months ago. The company HRRG - Health Revenue Recovery Group, LLC contacted another person, not a relative, and divulged what it was for ( XXXX XXXX XXXX ), and said that they were going to sue them. The person they called went ahead and paid it, and then told me they had waited for a receipt in the mail to give to me. They told me that the person they spoke with at HRRG was a woman and he said I no longer lived there and asked if they contacted me at my home address. The collection agent then threatened to sue him and then divulged that it was for my son, for emergency room visit, the date, the hospital and other identifying information. I believe this is WRONG. At no time was any attempt made to contact me, to call me or by writing. I feel my personal privacy rights were violated. My information was properly given and the time of service. The Hospital had all of this and chose not to update their records and then turn it over to collections, despite the fact every other bill had been paid. Secondly, this emergency room visit was due to the fact my son was injured, at school and on school property during school hours. The entirety of his bill was guaranteed to be paid through the state insurance system. There was no reason for this to happen.
02/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32244	Web
I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with ARS ACCOUNT RESOLUTION or any of its Affiliates nor have I ever engaged in any business with ARS ACCOUNT RESOLUTION in the past and this trespass against me is a result of identity theft. I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.
05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08055	Web
Im requesting that ARS ACCOUNT RESOLUTION validate the debt below. This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : ( XXXX ). Proof that you either own or were assigned the debt from the creditor. ( XXXX ). Proof that you have the right to collect this debt in my state. ( XXXX ). Proof that your company carries a bond. ( XXXX ). Proof of how your company assessed the outstanding debt. ( XXXX ). Payment history from the original creditor. ( XXXX ). Name and address from the original creditor. ( XXXX ). Copy of the original contract bearing my signature. ( XXXX ). Chain of title on this debt. ( XXXX ). Proof that you can collect this debt from me. ( XXXX ). Do you own it or is this debt assigned? ( XXXX ). Copies of all letters sent to me from you and from the original creditor. ( XXXX ). How much did you buy the debt for? ( XXXX ). When was the last date a payment was made on this debt? ( XXXX ). What fees/interest was tacked onto the debt? ( XXXX ). How were the fees determined? While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. Thank you for your time and cooperation
05/09/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95134	Web
Dear Sir/Madam, Last XX/XX/XXXX my daughter XXXX XXXX XXXX, XXXX years of age experienced XXXX XXXX and XXXX while we were having a 3 day vocation in XXXX XXXX, Nevada. We brought her at the emergency room in a hospital in XXXX XXXX. At the emergency room we informed the nursing staff that we do not have a health insurance. We informed them we can only pay the emergency room fees since we do not have a health insurance. A practical nurse examined my daughter and gave her XXXX XXXX XXXX. There was no Emergency room physician that examined my daughter and after paying the emergency room fees of US {$600.00} through our credit card we were discharged from the ER. However, after 4 weeks a collection agency keeps on threatening us that we need to pay our balance of US {$880.00} for the doctors fee. Even though there was no medical doctor or Emergency doctor that examined my daughter. The collection agency keeps on writing and calling us since last year and threatening us that they will report to the three credit bureau .for our debt collection. I am a XXXX XXXX and my wife is a XXXX XXXX XXXX XXXX visiting from XXXX XXXX XXXX and we are aware that only a nurse examined my daughter and gave us a prescription her XXXX. Collection agency.is making a fraudulent claim and this unfair practices should be stopped and they should be reprimanded for false claims. XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) are harassing us through phone calls and letters. Creditor XXXX XXXX XXXX XXXX Account XXXX Amount : US {$880.00} Service Date XX/XX/XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX
05/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23059	Web
I received a call at approximately XXXX XXXX EST on XX/XX/XXXX from XXXX " Account Resolution Services ''. The woman stated that she was collecting a {$33.00} medical bill from a hospital visit in XXXX. I stated to her why I would not have any problem playing a {$33.00} bill, this is the first I had heard that it existed. I went on to ask why the original debtor did not send me any bill prior to sending it to the collection company? The woman was very rude as proceeded in stating that their company had sent me 3 statements. I stated to her that I do not have anything from them and continued to ask why if the original debtor is required to send me a statement before sending a bill to collections. Because I had received NOTHING. She became even more aggravated and told me that I should have seen in my insurance statement that they didn't cover everything. To which I questioned if it fell on my insurance company to bill me for what was not paid? I calmly ask again, is the original debtor required to send me an invoice and give me the chance to pay it BEFORE sending it to a collection company? To which the collector hung up the phone. I immediately called the number back and a man answered. I explained to him how I was just hung up on and requested to speak to a manager. He transferred the call to a voicemail, to which I left a message. I would hope that I have a right to be notified of and the opportunity to pay a bill PRIOR to it being turned over to these collection companies! Not to mention the manner in which Account Resolution Services handled my call was unexceptable.
05/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43201	Web
Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. This item on my credit is an error. I have no knowledge of this debt. I did not authorize any person to act on my behalf to undertake this debt. I did not and will not in anyway benefit from this debt. I do not know the persons or parties that originally undertook this debt. On XX/XX/2023 a demand letter ( see attachments ) was sent to ARS Account Resolution. This demand letter was seeking verification of the debt that is the subject of this notice. Said letter stated that it appears that debt is not associated with the correct party, some how the information has transmitted in error, or that the debt may have been fraudulent ; therefore, it was requested that all information and / or documents associated with this debt be forwarded as verification of such debt. ( See attachment for actual demand letter. ). As of the date of this letter, ARS Account Resolution has not responded to the XX/XX/2023 demand letter I request your organization investigate this matter. If ARS Account Resolution does not or can not provide such demanded verification it is requested that your bureau remove this entry from the respected credit file. Also, it would be requested that you remove all associated information related to this erroneous entry.
03/09/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web
Initially I filed claim # XXXX. I initially stated that this company reported my information to the credit bureaus but after careful review another company under the name XXXX ( XXXX XXXX XXXX ) reported something similar. However, XXXX XXXX XXXX sent me a letter on XX/XX/XXXX for I debt they claim I owe of {$1800.00} and they stated the original creditor was XXXX XXXX XXXX. On XX/XX/XXXX I sent a letter back stating that their debt had been disputed and that they are to provide me with proof of any contractual agreement I have with them to pay them any debt. They responded back on XX/XX/XXXX with a letter simply stating I owe {$1800.00} on account number XXXX but with no information on the procedure used to determine the accuracy and completeness of the information. I am not familiar with the original creditor and don't recall ever having any services done from them. I sent a letter out today on XX/XX/XXXX requesting 1. The procedure used to determine the accuracy and completeness of the information 2. A copy of any viable evidence bearing my signature showing the account is being reported accurately XXXX XXXX XXXX stated in response to my initial claim that they don't have to provide proof bearing my signature that I have an obligation to pay them. Do they expect someone to pay a debt they claim is owed without any proof? If you can not validate this debt you must request that all credit reporting agencies delete the entry. If XXXX XXXX XXXX went about obtaining my information in a non legal manner then they my be in violation of HIPPA laws as well as FCRA and FDCPA.
05/19/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33615	Web
Account Resolution Services has been reporting a medical collection debt to various credit bureaus since the debt was assigned to them in XXXX . The collection is on a debt supposedly incurred in XXXX , when I was insured and would not have been charged for XXXX XXXX . I never received any bills from the hospital, nor did I receive any notification of collection from Account Resolution Services. My first notice of the debt and collection was when I discovered it on my reports after being denied credit. Needless to say, it was a shock to find that my credit was unfairly damaged by a debt I never owed. Earlier this year, I disputed the debt with Account Resolution Services, in writing, sending it directly to the address they are reporting as theirs in their tradelines -- XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX , FL XXXX . Again, this is the address they are publishing on their reports to the credit agencies. So, to add to my frustration, my dispute has been returned undeliverable, as the address seems to be incorrect. It seems that even if they had notified me of the collection in the correct way, I wouldnt have been able to dispute it within the normally given 30 days. I now find myself questioning the legitimacy of not only the debt, but the company attempting to collect on it. I 'm pretty sure that a debt collector which obfuscates its real address in its reports to a credit bureau would run afoul of the Fair Debt Collection Practices Act. If ARS ca n't even report its own address correctly, what makes anyone think its data is any good?
05/26/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 754XX	Web
This company HR RG has called my house daily during the week and even sometimes on the weekend for the last 3 or 4 months. I have contacted them and they said it was for XXXX. I told them XXXX does not live here and they said they would take my number off their call list. I am still receiving calls from them, now they are asking for my mother XXXX. XXXX passed away 2 years ago, so I called and told them that. They got tacky with me and said my number was removed and I told them they were still calling. She argued with me and hung up. I want the calls to stop from this company. I have tried call block, but they call from many different numbers. They leave messages daily, I could only trace the numbers back to the XXXX on my phone. The numbers include : XXXX called me twice on XXXX XXXX called me on XXXX XXXX called me on XXXX XXXX called me on XXXX XXXX called me on XXXX XXXX called me on XXXX XXXX called me on XXXX XXXX called me on XXXX I have talked to them several times and told them to quit calling, two of the people hung up on me when I told them to stop. I am getting sick of them calling me, this has nothing to do with me at all. Thanks, Here is the message they leave : This company Hello this is HR RG calling. Please return our call by calling XXXX between the hours of XXXX XXXX and XXXX XXXX. May ask for XXXX or speak to an associate who answers your call. This message repeats. Hello this is HR RG calling. Please return our call by calling XXXX. Hours of XXXX XXXX and XXXX XXXX. Ask for XXXX or speak to any associate who answers your call. Thank you.
03/21/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NY 142XX	Web
on today 's date on XXXX/XXXX/XXXX I contacted ARS a collection agency in the state of florida located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ph # ( XXXX ) XXXX to verify some information that is reported on my credit report. ARS advised me that I have XXXX accounts placed with them by XXXX XXXX XXXX I requested all dates and amounts they claim was reported and I was given XXXX/XXXX/XXXX {$510.00}, XXXX/XXXX/XXXX {$320.00}, XXXX/XXXX/XXXX {$550.00}, XXXX/XXXX/XXXX {$550.00}, XXXX/XXXX/XXXX {$420.00}, XXXX/XXXX/XXXX {$340.00}, XXXX/XXXX/XXXX {$340.00}, XXXX/XXXX/XXXX {$510.00}, XXXX/XXXX/XXXX {$240.00}, & XXXX/XXXX/XXXX {$450.00} after questioning ARS as to why they have double accounts on my credit for XXXX/XXXX/XXXX for the same amount as well as other accounts that are just days apart and they did n't seem to have an answer I contacted the original creditor which again is XXXX XXXX XXXX. and I was told they only reported XXXX accounts to ARS and gave them the dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX I was then told ARS should not have any other accounts against me which means ARS has FALSELY reported accounts against me to the credit bureaus which has damaged my credit and there is a total of {$2200.00} in fake accounts now on my credit! I researched ARS and they have done this to other consumers as well they have reports against them online and need to be stopped! I want them held accountable for this, I want the accounts they falsely reported removed and I am also seeking money damages for hurting my credit.
05/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94109	Web
XX/XX/XXXX I have sent out certified letters disputing the errors on my credit report. asking for proof that I owe debt. and to show me the validity of debt.. XX/XX/XXXX they sent me letter saying i am aware they represent doctors that they confirm theres an outstanding balance with no further information like i requested. except a bill. XX/XX/XXXX I send a second letter Stating that is not enough that I have rights and i have given them over 30 days to remedy situation. Since they can not give proper validation to remove from my credit report. XX/XX/XXXX they send me same letter in response. That I am aware they represent doctors. and they have confirmed it is valid and i am aware the balance is outstanding. I have disbuted with credit bureas the credit bureas are not doing proper investigations I make phone call to the agency regarding this and ask to remove. XX/XX/XXXX they send me yet another letter same as the others. I am aware they represent doctors. the debts are outstanding ... ..they are also over 5 years old They were my fathers he passed away. I have also told the statutes of limitations are over please remove. there are many resons to remove from my credit report 1 not mine i have not lived in florida since XX/XX/XXXX 2. they will not send me proper validation or anything which i lsted in attached letters according to facta FDCPA Fair Credit Reporting Act Violation of Fair Debt Collection Practices 3. statutes of limitations are over. I tried calling the agency on bill they had no records and would not speak to me due to HIIPA laws
02/25/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07731	Web
Upon reviewing my credit report i noticed an account that is listed under MEDICAL. Two issues with this situation : 1 ) I was never contacted by the collection agency at my address 3 XXXX XXXX, XXXX, NJ XXXX and/or called by the this agency. 2 ) I have called their office - The number listed on my credit report and explained that I was covered under two medical insurances ( mine and my wife ). The original facility only processed one of the two medical cards for payment hence their was a balance left. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Under hippa my medical information is protected. Where's the medical release form? Why does a third party collection agency have my information? ARS Account Resolution needs to IMMEDIATELY furnish me with a medical release form or remove this account. I take my privacy and my rights serious. My expectations : 1 ) I am expecting the negative credit account be removed from both credit reporting agencies. 2 ) They need to give my file back to the original medical facility that needs to properly submit our medical information for payment. If this matter is not properly resolved after this attempt. I will also be filing a lawsuit against the original creditor that sold this debt and Account Resolution Services as their inability to process the correct paperwork has hurt us financially with a recent car loan. How can a company submit a negative credit rating for a bill that was mishandled by the original creditor and never even contact me regarding this situation.
09/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web
ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX Several states such as Texas and Oklahoma have recently passed state legislation on the reporting of medical debts. There are restrictions either dealing with the reporting of medical debts in general, or if a pre-determined good faith estimate was issued before services were performed or after emergency services. Accordingly, I live in such a state where my right are protected from aggressive medical debt collections and their longstanding abusive effects. As in Senate Bill 1037 by Sen. XXXX XXXX, R-XXXX, and Rep. XXXX XXXX XXXX, D-XXXX, which was signed Friday by Gov. XXXX XXXX. The law takes effect immediately and represents a major step in protecting consumers from the longlasting damage that can result from surprise billing in Texas, where patients are at an uncommonly high risk of receiving expensive surprise bills. The law requires the exclusion of medical debt from a patients credit report in limited circumstances : if the patient had health coverage at the time of the health care service and if the collection account is related to billing for an outstanding balancenot including a copayment, deductible or coinsurance owed to an out-of-network emergency care or out-of-network facility-based provider. Your agency must delete all references to medical debt collections effective immediately. DELETE THE AFOREMENTIONED MEDICAL DEBT COLLECTION FROM ALL CREDIT BUREAUS!!! Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
09/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32726	Web
I started this journey XX/XX/XXXX of this year when I checked my credit and noticed several accounts from Account Resolution Service account numbers XXXX ( {$420.00} ), XXXX ( {$1300.00} ), XXXX ( {$1000.00} ), XXXX ( XX/XX/XXXX ), XXXX ( {$1400.00} ), XXXX ( {$1000.00} ). I originally contacted the credit bureaus to dispute the accounts due to the accounts not belonging to me and is not something that I recognize. I also pointed out reporting errors with the listings as it should be reporting 100 % accurately and asked for proof of verification received from Account Resolution Service and did not receive anything but a generic response with no proof. After 2 attempts I contacted Account Resolution directly on XX/XX/XXXX via certified mail USPS # XXXX attempted delivery on XX/XX/XXXX at XXXX XXXX letter was not delivered due to no access to delivery location. How is it possible for them to provide an address that the postal service can not access? This type of practice does not seem ethical. In the letter I asked for them to verify they are attempting to collect from the correct person. I also requested they send me competent evidence with a full accounting and original contract. These accounts are still reporting on my credit which they shouldn't because no one seems to have the proper documentation and accounting so these should be removed as I am not responsible for these debts. Please provide validation of the accounts especially since I never received any notice/statement from you stating you're trying to collect on an alleged debt.
09/04/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77320	Web
On XX/XX/XXXX, our daughter had a hair tourniquet around her toe. We used XXXX to try and remove it at home. After a while, the indention was still there, so we decided to take her to XXXX XXXX XXXX. When we arrived we signed in. We looked at her toe again under the fluorescent lights at the hospital and determined that the hair actually had dissolved and only the indention was left behind. We told the hospital that under the lighting, we could tell that the tourniquet was no longer there. Since we already signed in, they had us sign something that said we no longer needed to receive treatment from them. We went home and received a few bills a month or so later. They totaled around {$170.00}. I called the hospital to speak to the billing department. They said it was a mistake on their part and said that it was taken care of on their end. Apparently {$120.00} of the entire bill was eradicated because we have received no bills whatsoever in probably a year or so. Now, after all this time, we are getting a bill from a debt collector for {$47.00}. I called the debt collector, XXXX, on XX/XX/XXXX and explained to them the situation and told them I wanted to dispute the debt. They told me they will continue to contact me for the debt. I spoke with the Patient Advocate at XXXX XXXX XXXX in XX/XX/XXXX and she told me she would do what she can to help me get this resolved. Nothing came of it and she never contacted me again. Nobody can even give me any other phone numbers or information or help me to resolve this and XXXX continues to harass me.
03/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32962	Web	Servicemember
Letter to Remove Inaccurate Credit Information : To Whom It May Concern, I received a copy of my credit report and found the following item to be errors. Here as follows are items in error : 1. ARS Account Resolutions : {$2400.00} 2. ARS Account Resolutions : {$1100.00} 3. ARS Account Resolutions : {$990.00} Please validate this information with the creditor and provide me with copies of any documentation associated with these accounts, bearing my signature. 1. Original contract that bears my signature as a promise to pay 2. Itemized account charges for the full amount requested as well as any payment history 3. Proof of license to collect in the State of Florida 4. License # and Registered Agent In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself, if this matter is not resolved. Thank you for your time and help in this matter.
05/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77338	Web
This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
07/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77073	Web
This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
05/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77433	Web
This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
08/01/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 354XX	Web
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.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.
04/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77006	Web
This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary XXXX AND XXXX distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
02/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
XXXX thank you for the alleged mail BUT still you fail to answer the questions I request full disclosure of documents that I have request failure violates any alleged debt that you claim. Also you violated my HIPPA and privacy rights I request the again { 6 } times information enclosed, Now I will need your CEO name and contact information your stock holders names and contact information, Your tax Identification number, your business license, also your name and contact to be used for civil action if needed. Fax alleged hospital, XXXX XXXX XXXX for documents of alleged account they did not respond to fax in your response to the CFPB your alleged billing { NOt Contract states XXXX owed today you mail another statement stating {$1500.00} WHAT you pull this alleged debt that you refuse to disclose out of the air. My charges are now {$2500.00} due and payable now for the time I have to put in to get any type of legal contracts or anything with a signature from you No contract Remove your claims from my credit report, I will also file now with the Texas medical board on my Hippa and Privacy rights you aLSO FAIL TO GIVE THE COMPLETE NAME OF XXXX, XXXX XXXX { or associates } for the medical board complaint.The fair Debt collection practices act USC 1692 you know the one you stated earlier but fail to finish USC1692g { b } I request your office to provideme with competent evidence CONTRACTS, Above information as requested.that I have a legal obligation to pay. This is not a fusal but requesting the exact information requested
06/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33312	Web
XXXX XXXX XXXX began reporting this account derogatory in XX/XX/XXXX. It was only when I retrieved a copy of my credit report on XX/XX/XXXX that I noticed this erroneous, inaccurate entry on my reports. I have not received any correspondence from this company regarding this entry. XXXX did not provide a dunning letter as required by law thus violating my rights to dispute the validity of this claim. I have never did any business with XXXX nor have I ever entered into a contractual agreement with them. XXXX should have provided : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of their bonding agent for collection agency in case legal action becomes necessary Further, XXXX should provide a copy of the financial responsibility page as well as any and all documents that bear my original signature and consents to XXXX having access to the alleged information associated with the alleged debt. Too, XXXX did not allow me to request that they cease any and all collection activities and reporting until I can validate the alleged debt. It appears that XXXX is in direct violation of my consumer rights and therefore, is negligent in reporting this entry on my credit reports. DELETE this entry immediately.
07/27/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77073	Web
Upon reviewing my credit report I noticed accounts from Account Resolution Services ( ARS ) placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medical information to ARS. I requested FULL documentation of what was received from the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. ARS has NOT complied with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FDCPA.
06/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30168	Web
I have disputed this collection account 3 times and ARS has refused to send me any documentation concerning this debt- I have enclosed copies of the initial dispute sent through Consumer Financial Protection Bureau XXXX XXXX dated XXXX. ARS stated they did not have any records or any files for this account. Ars stated they could not even locate the account- Please explain why this file or account was not able to be located XXXX? ARS stated they sent out debt collection letters XXXX, XXXX and XXXX - I am requesting copies of these letters and documents created by ARS to be uploaded with the response to this complaint and a mailed copy be sent to me for my records ARS has not provided any documents that the company XXXX XXXX XXXX gave them rights to collect this debt OR any bills or accounting showing how this debt came to be- Please upload copies of these documents through the Consumer Financial Protection bureau and mail a copy to me for my records ARS has refused to provide copies of bills, Judgement or any accounting of amount ARS claim is owed- I have never received copies of anything Ars has not provided the name and complete address to creditor- There was no address listed in prior response- The name listed on the credit report is XXXX XXXX XXXX not XXXX XXXX This is a violation**** FDCP section 809 ( 5 ) I was not given a complete address of original creditor in my prior complaint ( CFPB # XXXX ) and FCRA I believe ARS is using Unfair Collection Practices and are in violation of FCRA section 808 ( 1 )
01/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 071XX	Web
To whom it may concern. This notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and VALIDATION is requested. On XX/XX/2021 you sent me a " verification '' letter, or proof of my address which is unacceptable as VALIDATION made pursuant to FDCPA, 15 USC 1692g. I respectfully request your office provide me with copetent evidence that I have a legal obligation to pay you. At this time, I will also inform you that if your office have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, XXXX ) this action may constitutute fraud under both Federal and State Laws.Due to this fact, if any negative mark is found on on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provided the proper documantation as requested in the following Declaration, I will require 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be detrimental to any of my credit reports, I will consult with my legal counsel for suit.This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. Regards, XXXX XXXX XXXX
01/28/2020	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 IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
12/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08088	Web	Servicemember
I submitted a dispute and a request to VALIDATE a debt with regards to 2 charges on my credit report from a dept collector named ARS XXXX account resolution services XXXX. Amounts showing {$940.00} and {$630.00}. Being that I have absolutely no knowledge of these supposed debts, I sent a certified letter directly to the debt collector, ARS requesting that the debts be VALIDATED not verified. A copy of that letter outlining what information I was seeking to validate the debts per my legal rights under the FDCPA, is attached, along with a copy of the signed return receipt from the post office. When ARS responded they DID NOT validate the debts or provide any of the information I requested and is my legal right to obtain to prove the debt is indeed valid and that I have any legal obligation to pay them. A copy of the response letters from ARS is also enclosed. I have never received any certified correspondence from ARS regarding these supposed debts and only learned of them by checking my credit reports. As I am trying to build my credit, I disputed these debts with ARS and I still dispute these debts. ARS failed to respond to my request for debt validation and is violating the FDCPA by trying to collect these debts. This is evidenced by their response to my request for validation, as they sent me a letter/bill and are continuing to report negative information to the credit bureaus, when these debts have not been validated. I am therefor requesting to file a complaint against this company.
04/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33169	Web
I have been battling a debt that is being reported on my credit report which I do not owe. I have always had insurance and have provided proof of that to XXXX XXXX XXXX ; as well as XXXX XXXX XXXX ; the collection agency who's collecting on behalf of the credit. They have not done anything about it. I have contacted XXXX XXXX XXXX via fax with proof of insurance. I have faxed it on XX/XX/XXXX with proof of delivery. They stated that it takes 21 days to investigate. I have called back on XX/XX/XXXX for a status update, and they claim that they didn't receive anything. These companies do not want to take ownership of their negligence to correctly bill my insurance provider ; XXXX ; after I have done everything to show proof of the error. The burden of proof and accuracy of billing is with the medical staff and not me. XXXX XXXX XXXX is equally at fault as they haven't provided any validation of how this debt is my responsibility after I have cooperated with them diligently to provide them with everything they need. I spoke with XXXX on multiple occasions and they have confirmed that they were billed for other services on the same date of service ; XX/XX/XXXX, however never received a request for billing for this procedure in which I'm being punished for. This item is not my debt to bear and something needs to be done about it. I have enclosed a copy of the following : 1. Proof of Insurance during the Date of Incident 2. Letter faxed to XXXX XXXX XXXX 3. Proof of fax delivery
01/20/2023	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30655	Web	Older American
REF : HRRG POTENTIAL EXTORTIONARY ACTIVITY-MAYBE FRAUD I received a letter from a company called Healthcare Revenue Recovery Group LLC ( See copy attached herein ) dated XX/XX/2022 claiming I owe them. I sent them a letter requesting the name ( s ) of the physicians and services rendered XX/XX/2022. They are yet to respond to the letter. I am paying the bills that the treating hospital validated as truly mine, after the CEO of XXXX XXXX responded to my letter. I have a payment arrangement that I make every month to the tune of {$400.00} and another {$120.00} to Radiologists on a payment plan. Reason why I write to request your assistance is the fact that Ive been informed that these bottom feeders insert this erroneous information into consumer credit reports. That would have devastating effect on my credit as I am on the cusp of home purchase this year please kindly help me. XXXX has not confirmed that I owed these amounts and XXXX hasnt confirmed it either. Since HRRG is refusing to prove I actually owe said debt and to whom, I do not want to be a victim of insurance fraud as Ive read recently about them. I would be grateful were you able to help me validate this so called debt from them, since they will not respond to my written request for validation. It would help me know and make informed judgment about how to make payments if I have to. A prompt and positive response to this request for your kind assistance is most thankfully anticipated. Respectfully, XXXX XXXX
07/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 622XX	Web
From what I understand this is a XXXX bill account # XXXX but I am not sure. I have asked ARS account resolution to do more than verify the debt but to validate it. They have done neither. The account continues to come back verified Its coming back verified from an old address I am assuming. I am not sure. Either way they have to validate the debt once I have asked. Which they have not. This account is being reported to XXXX XXXX AND XXXX and they are all being reported differently. Proof attached. ACCOUNT TYPE ONE SHOWS OPEN AND 2 OTHERS SHOW COLLECTIONS which is a violation.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. WHICH THE PROOF WILL SHOW THE INNACURACY. Also I have the right to privacy according to 15 U.S.C 1681 section 602 A. which states I have the right to privacy. I also know for a fact that I did not give written instructions or signed any paperwork saying that I agreed for my information to be shared with a third party. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions They have violated my rights by continually being the only collection account on my XXXX report which is causing damage to my character. I have tried to resolve this problem through the company, but they have chosen to ignore me.
11/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43213	Web
I received a notification from my credit report that I owed a collection bill to ARS. I was not sure who this was or what it was for. After doing research I contacted ARS and they advised that they are a collection agency for XXXX XXXX XXXX and this was for a hospital bill. I advised that I had not received notification of this and would like to know more information because to my knowledge I did not owe this amount. The person became rude so I asked that she provide me the information for me to provide to my attorney to review before I proceeded with anything. At this time I was told to have the attorney contact them and hung up on. I then contacted back and was again told that they could not speak with me if I had an attorney, I advised that I never said that I had obtained representation, I stated that I was going to ask that my attorney review the information reported for advise. I then asked the representative I was now speaking with if it was standard practice to hang up on a customer, i was not rude or vulgur, I just wanted to understand what something is not that is now affecting my credit for such a minimal amount. She began to advise me that they can not speak with someone if they have an attorney, I again asked if it was practice to hang up on someone. I have gotten no where with this company, I still do not know what I am paying for. I want documentation on what I am being charged for and if that is unable to be provided I want this removed from my bureaus.
07/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31602	Web	Servicemember
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or REMOVED IMMEDIATELY Account Name : ARS ACCOUNT RESOLUTION SER Account Number XXXX Date Opened XXXX Balance {$640.00} Account Name : ARS ACCOUNT RESOLUTION S Account Number XXXX Date Opened XXXX Balance {$980.00} Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XXXX Balance {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened XXXX Balance {$1000.00} Account Name : XXXX XXXX Account Number XXXX Date Opened XXXX Balance {$2900.00} Account Name : XXXX Account Number XXXX Date Opened XXXX Balance {$13000.00} Account Name : XXXX XXXX Account Number XXXX Date Opened XXXX Balance {$140.00} Account Name : XXXX XXXX Account Number XXXX Date Opened XXXX Balance {$0.00}
09/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33619	Web
Hello I am writing this complaint because I Have reached out to ACCOUNT RESOLUTION SERVICES with a Debit Validation Letter on XX/XX/2020 asking for 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 ; Date of alleged services List of services/procedures performed Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Provide a copy of my signature from the provider showing my request to release information to you Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. the letter was Delivered : Wed, XX/XX/XXXX, XXXX XXXX. the sent me a letter in Letter some time in the beginning of XXXX with a bill attach witch is not wat i asked for so i sent them a Failure to Validate letter asking them to provide me with This letter will AGAIN request that you follow the FDCPA and please provide -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature I expect to receive the proof requested above within 15 days of this letter. it has now been well over 15 days and still this company has not taken this debit off my credit. attached will be sample copies of what I sent them to comply!
06/27/2019	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	FL 33056	Web
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : ARS ACCOUNT RESOLUTION, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX ..., REPORTING ON : XXXX, XXXX AND XXXX,
07/19/2018	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	OK 73135	Web
I have disputed this inaccurate, erroneous, unverifiable account entry with XXXX XXXX XXXX as well as the credit bureaus. In my most recent communication ( see attached ) to XXXX XXXX XXXX, I specifically requested that they provide a copy of the financial responsibility page as well as provide a copy of my signature with the provider of service to release the alleged medical information to them. To date, XXXX XXXX XXXX has not. Additionally, upon XXXX XXXX XXXX receiving my dispute, I requested that they cease any and all credit bureau reporting until the debt had been validated by me. They did not. They continued to report this inaccurate, unverifiable entry. XXXX XXXX XXXX has blatantly violated my consumer rights under the FCRA and FDCPA. Account Resolution has not provided : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary The mere letter on their letterhead lacks veracity to the accounts they are reporting on my credit reports. Nothing is substantiated in the arbitrary amounts that are alleged. Delete this entry immediately from all of my credit reports.
08/18/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33404	Web
I noticed a debt from Account Resolution Services on XXXX XXXX. The debt was placed on my credit report in 2011. I sent ARS a certified letter requesting their info, the original creditor 's info, verification, and a lot more info for verification. They sent a letter back simply stating they verified the debt and the amount they say I owe. The debt is from XXXX XXXX XXXX of Maryland. I called the hospital, who put me in touch with another number that handles the billing for the physicians. Then given XXXX other numbers with no success at finding the bill or who is handling it. I called ARS and spoke to a lady, she stated that she did not know the contact info for them. I questioned how they would send them the money if I was to pay the debt, even though I do n't know what this debt is for. She simply stated that they could. I called back the next day, asked a lady named XXXX the same questions, received the same response. I asked to speak with a supervisor. A gentleman called me back the next day. I asked him the same questions. He refused to give me any info but said he had it. I then placed him on hold, came back and stated that I was recording the rest of the conversation. He refused to give permission and still refused to give me any information. Obviously they are hiding the original creditor 's info for a reason. Maybe they want the money for themselves. I simply want this resolved. Any help that you could give me would be much appreciated. Thank you.
03/24/2020	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	IA 51503	Web	Servicemember
On XX/XX/2020 at XXXX I was called by this company, the representative was difficult to hear and was obviously reading from a script, but I heard her say something about attempting to collect a debt and how would I like to pay for it. I just laughed and informed the agent that all of my medical bills are paid for by the VA since I'm a vet and if they want to get paid they need to be contacting them and not me. Then I told her that I didn't know anything about what she was referring to, then when she said the name of her company, I informed her that I just received notice about this bill yesterday and if you want me to try to help you get paid you need to tell me and I will try but you need to give me time. She said she would notate the account. After thinking about it for an hour I thought that them calling me about a debt during the coronavirus pandemic crisis and them calling me the day after I received the letter from them was completely inappropriate. People can't pay their bills now as it is and to call me when they did with what is going on in the world is completely improper, unprofessional, ill-advised or any other synonym you care to use. I did call back and asked to speak to the agent that called me or her supervisor, the person on the phone didn't ask for any information and gave me another number to call to speak to a supervisor, I called the number and received a recording. I did leave a message for a call back which as of now hasn't happened.
07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33178	Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
10/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28540	Web	Servicemember
I'd recieved a call from number XXXX, there was no message left and the call disconnected before I could answer - this call came at XXXX XXXX the XXXX after I'd contacted my XXXX XXXX representation. The VA XXXX assured me my medical debt was cleared and I have no outstanding bills, it'd seem like the debt collector isn't doing things on the level and someone is trying to scam military vets. After I'd spoken with the VA XXXX about HRRG sending me a letter saying that I have an outstanding medical debt, the VA representative said that the account the debt collector was referencing was paid a d closed in XXXX, but I've received letters and constant robo-calls from people threatening me with legal action. My debt was sold to HRRG was by XXXX XXXX XXXX And HRRG sent me a letter in XXXX saying my debt would be forwarded to ARS Account Resolution - another branch of HRRG. This shouldn't be possible since the VA confirmed that charity care was applied to cover that balance in XXXX. I'm asking please put an end to the calls and letters being sent since the balance was paid and I'm absolutely upset that the first Monday morning I'm called by debt collectors when just last Friday I'd had two VA reps verify that the claim was no longer open since the debt was paid. There's something strange about XXXX XXXX calling and hanging up before anyone has a chance to answer and I'm not going to call back in the event that they'll try phishing for personal information.
10/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 28540	Web	Servicemember
I'd recieved a call from number XXXX, there was no message left and the call disconnected before I could answer - this call came at XXXX XXXX the Monday after I'd contacted my XXXX XXXX representation. The VA 'd assured me my medical debt was cleared and I have no outstanding bills, it'd seem like the debt collector isn't doing things on the level and someone is trying to scam military vets. After I'd spoken with the VA Friday about HRRG sending me a letter saying that I have an outstanding medical debt, the VA representative said that the account the debt collector was referencing was paid a d closed in XXXX, but I've received letters and constant robo-calls from people threatening me with legal action. My debt was sold to HRRG was by XXXX XXXX XXXX And HRRG sent me a letter in XXXX saying my debt would be forwarded to ARS Account Resolution - another branch of HRRG. This shouldn't be possible since the VA confirmed that charity care was applied to cover that balance in XXXX. I'm asking please put an end to the calls and letters being sent since the balance was paid and I'm absolutely upset that the first Monday morning I'm called by debt collectors when just last Friday I'd had two VA reps verify that the claim was no longer open since the debt was paid. There's something strange about XXXX XXXX calling and hanging up before anyone has a chance to answer and I'm not going to call back in the event that they'll try phishing for personal information.
04/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 077XX	Web
I have tried to dispute this debt for over 2 years now. This is one of the actions I decided to do against ACCOUNT RESOLUTION SERVICES before I go a step further in seeking council and filing criminal charges. I have tried to contact them on a number of occasions via mail and telephone but they have failed to produce the required evidence that proves this debt belongs to me. I have contacted ARS through telephone 3 times and the young lady I spoke with was very rude and upset that I was even asking for the required info, which is required by law for me to have. She even hung up the phone on me after telling me to stop scamming people and just pay your dam bills. This Agency is very unprofessional and really doesn't cooperate with consumers request for debt validations. I've sent a debt validation letter out to ARS on XXXX/XXXX/18 asking for a Contract or agreement along with the promissory note that has my signature on it and they have not responded. On XX/XX/18 I've sent another debt validation letter out and still no response. The problem with ARS is that they have the wrong last name of this debt on my credit report which doesn't belong to me. I even sent them a copy of my drivers license and social security card proving that the name isn't mine and they still refuse to remove it. I have provided ARS with a final letter that is attached to this complaint describing once again how they are in violation. I am asking that CFPB investigate this issue.
07/23/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33313	Web
This is a follow up complaint to ARS. ARS stated : We respectfully disagree with the consumer 's interpretation of the applicable statutes, and feel that we have complied in accordance with the law. Despite my efforts to rectify this matter concerning ARS has to date, failed to prove that this account is mine. ARS have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately. I have documented my correspondence with you, and I have filed complaints with the appropriate authorities since you have not removed this item from my credit report. This will serve as your legal notice pursuant to the provisions of federal law, the Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above, including the frivolous reporting of this account to any credit reporting agency. If you fail to heed this notice and if I find that this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company as well as the original creditor for all applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA. You are also notified that should any adverse information continue to be placed on my credit reports as a result of this notice, appropriate actions will be taken. Please give this very important matter the attention it deserves.
12/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85353	Web
I have attempted to resolve these accounts with this collection agency multiple times. I have asked for proof and proof of consent of access to my medical information for the alleged debt. I have told them and provided them with information in regards to my attorney for any medical bills related to a work injury. They still failed to provide any documentation after the fact and continued to attempt to collect this alleged debt. Anything related to this case has be ruled by a judge to be covered and paid by copperpoint insurance. I requested proof of consent for them to have access to my medical information under HIPPA and proof of my liability which they responded " As you are already aware ... ... .ARS has verified this information with our client... .. '' such statement does not provide any proof. I requested this on XXXX, XX/XX/XXXX, XXXX with the same exact response each time. Their response is unacceptable and I continue to get the same letters on a monthly bases. I called them the month of XXXX in XXXX letting them know decision of the judge as well as my attorney information prior to them I had already given them my attorney information letting them know I was in litigation for this matter. My date of injury was XX/XX/XXXX which has resulted in numerous emergency visits after the injury date which the dates listed on there documentation was a resulting visit of that injury as well. Therefore is not my responsibility as ruled by the judge.
07/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 334XX	Web	Servicemember
THERE IS A {$1500.00} DEBT SHOWING ON MY CREDIT REPORT FROM XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History I HAVE HAD THIS PROBLEM WITH THIS COMPANY BEFORE TRYING TO COLLECT ON A BANCKRUPCY OF OVER 20 YEARS. I HAVE NOT RECIEVED ANY NOTIFICATION IN WRITTING OF THIS DEBT THAT I DO NOT KNOW WHAT IT IS FOR. WHEN I CALL THEY INSULT ME SAY STOP TRYING TO GET OUT OF YOUR DEBT YOU OWE AND YOUR GOING TO PAY NO MATTER WHAT. THEY SAY IT IS FOR A MEDICAL BILL BUT THEY ARE NOT TELLING ME FROM WHERE. I HAVE MEDICAL INSURANCE SO THERE IS NOT A BALANCE OR DEBT. AND IF THIS IS FOR A XXXX DOCTOR THAT I CANCELED MY APOINTMENT DUE THAT MY MOTHER WAS ILL THEN THIS IS WRONG AND THE DOCTOR 'S OFFICE ARE REALLY UNPROFESSIONAL AND THE VISIT WOULD HAVE BEEN {$60.00} BUT I CANCELLED MY APOINTMENT AND IF IT IS FOR AN XXXX, THE DAY I HAD TO GET AN XXXX THE MACHINE WAS BROKEN. THAT WOULD BE THE ONLY MEDICAL SITUATION I CAN THINK OF. I RECIEVED A BILL FROM THE DOCTOR, I CALLED AND THEY TOLD ME IT WAS A MISTAKE AND THAT I OWE NOTHING.
12/30/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30291	Web
These items on my credit report as follows XXXX ( XXXX XXXX XXXX ) ... ( Ars account resolution ) ... dept.of education ( XXXX XXXX whom I've been trying to get them to understand that they have wrong information concerning any of these accounts and some I have no clue about at all. They have been on my credit and have sold my information to other companies which has violated my rights and privacy. I called XXXX, XXXX, and XXXX about an investigation before and still the problem exists on my credit report. 15u.s.c1681 section603 ( 3 ) ( E ) states the term investigative consumer reports or portion there of in which information on a consumer character or mode of living is obtained through personal interviews with neighbors, friends, or associates of consumers reported on or with others with whom he's acquainted or who may have knowledge concerning any such items of information.however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer..also they have violated my rights numerous times. The credit bureaus violated my rights under the 15u.s.c 1681. According to 15 usc 1681 section 602a states I have the rights to privacy and 15u.s.c 1681 sec. 604 a sec 2 states a consumer agency can not furnish a account without my written instructions.
01/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43085	Web
I recently reviewed a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ARS Account Resolution # XXXX, # XXXX, XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges. 2. Provide a copy of my signature with the provider of service to release my medical Information to you.
02/05/2021	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 07747	Web
ARS I would like to once again ask to have all the documents you claim you have obtained and sent to me to confirm that this is an accurate. I have NOT once received anything from you showing the information you claim you have sent. You sent me a bill and that is it. A bill that said emergency services balance owed XXXX. I have not received any else supporting what you keep saying. Why would I now after all this time do all of the steps your telling me to do for identity theft three years later.? Why don't you take the steps and submit the documents that you keep refusing to send verifying the debt is mine. It would be a lot easier for you to provide those documents than me going and claiming identity theft three years later. I have spent those three years trying to get you to provide me documents with my signature verifying the debt belongs to me and for three years you just continue to send me a bill that says emergency services balance due. That means nothing. Again, I have maintained medical insurance for over five years, maybe even longer than that. So again. Show me more than a bill, And when I say that it means show me the entire MEDICAL RECORD you have on file verifying this debt and we can move on. Otherwise, stop updating my credit reports every month with XXXX. You have my information so you can send me the medical records from the date of service you have on there. Because I have not been to any emergency room.
04/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33023	Web
It has been a few years that this Company Account Resolution Service has harassed me in an attempt to collect a debt that doesn't belong to me. They have sent me billing for amounts owed and I've sent them certified paperwork stating to them that the debt isn't mine 3x as well as the bureaus. I have stated to the parties involved that I in fact do not refuse to pay a debt that I owe, but that I would need proper validation e.i. ( 15 usc 1692g ) as a consumer and a working middle class law abiding citizen I in fact have that right of decency. The company has yet to respond to my request of providing me competent evidence that this debt is mine in association with them. I have no legal binding contracts with Account Resolution Services, I have never made any verbal or written agreements with the company. ARS claims that I am in debt to them in the amount of {$1100.00}. I have and medical Insurance and has always had medical insurance. I has gotten to the fact that it is affect my credit score horribly. I have in endured this emotion suffering thru anxiety because I have exalted all corners to get fair practices thru consumer rights, at this point this is my last route before I pursue legal litigation in this matter because it is also starting to affect me financially on top of the aspects of the Covid19 devastation which has directly affected me and my family. these agressive practices should not be aloud amongst consumers.
10/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23503	Web
Good evening, I have been disputing with a collection agency by the name of ARS Account Resolution. They have reported to XXXX and XXXX that I owe this medical bill in the amount of {$1800.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XX/XX/2019, XX/XX/2019, and my third letter will go out tomorrow as this will be another 30 days the company has refused to reply. In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay ARS Account Resolution. As well as hey stated requesting a HIPAA Authorization with my signature. NO REPLY. Also, I had informed them that any negative marks found on my credit reports ( including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if ARS Account Resolution can not validate the debt, they must request that all crediting reporting agencies delete the entry. Again, they have not sent any evidence nor have they responded to any of my letters.
05/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OK 741XX	Web
I have been disputing this account since I first received notice from the credit bureaus that it was being reported on my credit report. On XX/XX/2019 I sent letters to XXXX asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation. No matter what I request ( validation of the debt, proof of amount, or proof they are authorized to collect debt ) they simply respond with a form letter that debt is valid and attaching a copy of a single bill. XXXX is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me a copy of a bill. This is not acceptable. A copy of a bill or a statement of monies due does not constitute verification or validation of debt. FCRA states there must be a tangible contract provided to me upon my request that bears my signature, showing that I am responsible for the account. Without that, there is no contract, no valid claim. If validation can not be established, I respectfully request XXXX remove to remove the account inaccurate, derogatory reporting from the credit bureaus and cease any efforts to re-report the debt through illegal practices in the future. The document you sent me is not bill, do not have my signature on it.
07/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77578	Web
I previously notified ARS that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts ending in XXXX and XXXX Remove any charges such as {$35.00} and XXXX on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately.Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report.Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs.Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
01/28/2020	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 34953	Web
For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek ev ery legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
01/28/2020	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
For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
01/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43085	Web
To Whom It May Concern, The reason for my dispute is XXXX # 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 XXXX, subsection ( XXXX ) ( 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, XXXX # XXXX 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 ) ARS 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. 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 Taking assignment of debts. FDCPA I fail to see where XXXX # 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 has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
10/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19038	Web
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that these ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) were reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX -Balance {$170.00} ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$100.00} ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX -Balance {$100.00} ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance {$210.00}
09/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77036	Web
On XX/XX/2021 I reviewed my credit reports and noticed a medical collection being reported to all three credit bureaus by ARS Account Resolution. I wrote them a " Certified Letter '' on XX/XX/2021 asking them to " Validate '' this collection account that they reported under my name and social security number. I was very specific in pointing out that this was not my debt and that I'm requesting that they provide me with documentation to validate this. On XX/XX/2021 I received a one ( 1 ) page letter from ARS telling me who they represent and that they verified the information with their client and confirmed it. I wrote them again on XX/XX/2021 via " Certified Mail '' letter two ( # 2 ) and indicated to them that the information that they provided was " Unidentifiable '' to me. I also indicated that they " Did Not '' provide me with any " Validation. '' I then received another letter from ARS dated XX/XX/2021, with the exact verbiage as their letter dated on XX/XX/2021. Finally, I sent a third letter ( 3 ) dated XX/XX/2021 via " Certified Mail '' letting them know that if they could not " Validate '' this collection in which they have placed on my credit files, they need to remove it immediately. As of this date, XX/XX/2021 they have not responded and this " Unvalidated '' collection is still reflecting on my credit file. They are in direct violation of the FDCPA Sec 809 ( a ) ( b ) and the FCRA Sec 623.
04/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
On numerous occasions for a year prior toXX/XX/2021, I have sent dispute letters to Account Resolutions Services a division of HRRG, LLC, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, collections agency, requesting they valid this debt with more than the falsified name, address, or amount owed of the original debtor. I requested their verify that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. And whether this debt is within the statute of limitations and how that was determined. Also I requested them to forward details about their authority to collect debt : whether they are licensed in my state and if so provide me the date of the license, name on the license, license number, the name, address, and telephone number of the state agency issuing the license. ARS refuse to provide with the requested information requested, delete the invalidate collection, or practice fair credit reporting to the three credit bureaus. They only continue to submit the the falsified verification of the original debtors name, address, amount owed, and the dated letterhead..
05/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33028	Web
I am responding to your contact about a debt you are trying to collect. You contacted me by mail and identified this alleged debt. Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was.
01/16/2021	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	FL 33033	Web
According to XXXX XXXX XXXX there is a debt under account # : XXXX XXXX for {$350.00} & account : XXXX XXXX for {$2000.00}. These accounts were previously disputed with all 3 credit bureaus, the accounts could not be validated and were removed and deleted from my credit reports. In addition, the original creditor, XXXX XXXX released my medical records to this third-party collection agency ( XXXX XXXX XXXX ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization. According to ARS, there is a debt under account # : XXXX XXXX for {$1600.00} & account : XXXX XXXX for {$88.00} These accounts were last disputed on XX/XX/20 with all 3 credit bureaus. ARS responded with a letter ( see attachment ) showing only a balance and service date. ARS failed to validate the debt by providing me with a breakdown of charges, Diagnosis, and or procedure codes for services rendered in addition to my signed XXXX release per my dispute request letter. In addition, the original creditor, XXXXa XXXX released my medical records to this third-party collection agency ( ARS ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization.
09/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 01880	Web
I have called numerous times as well as the hospital and my medical insurance company and the hospital/Insurance company has said I owe no debts and the collection agency has been ruining my credit by saying I owe {$940.00} for an ER visit. My insurance company said they were trying to help relieve me of this fake debt that I do NOT owe. Also when I have called the debt collection agency, they have given me numerous dates on when I was supposedly at this ER visit in which on one of the dates they had given me was physically impossible for me to be at the hospital because I was actually in a program for XXXX woman at the time. The agency name and information was given to me as follows : ARS ( Account Resolution Services ) but is listed as XXXX XXXX XXXX XXXX XXXX on my credit report and the address is ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX. And Telephone number is ; ( XXXX ) XXXX. When I called I could hardly hear the woman speaking through the static or understand what they are saying in my experience and I was given 3 different dates in the years of XXXX and XXXX. I contacted the hospital and they expressed that they do not use this debt collection agency and have told me I have XXXX debts as well as my insurance company has said they have paid all my medical expenses! Please help me fix this because it is ruining the credit I am so badly trying to repair! Thank you kindly!
09/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30236	Web
ARS ( Account Resolution Services ) is a debt collector and ARS has been harassing me for a long time to pay a debt that I do not owe nor am I obligated to pay. ARS has invaded my privacy and used abusive, deceptive, and unfair practices in an attempt to collect a debt not owed. Ars has harmed my reputation by reporting alleged debts to XXXX, XXXX, and XXXX. ARS has used obscene language through mail communication to harass and XXXX me. ARS has produced false representation of the character amounts and legal status of alleged debts. ARS has communicated false credit information about me with XXXX XXXX, and XXXX. ARS has furnished deceptive forms in an attempt to collect an alleged debt not owed. ARS has violated several fair debt collection practices act laws such as communicating without prior direct consent in connection with the collection of alleged debts to third party reporting agencies. ARS has used unfair practices by using symbols on envelopes in communication with me the consumer through the mail indicating debt collection. I have received adverse actions when extending credit due to the alleged debts purported by ARS to consumer reporting agencies and other individuals. I am a consumer pursuant to 15 USC 1692a3 protected under the Consumer Credit Protection Act laws which Account resolution services have violated. I have attached supporting documents and exhibits in my complaint.
04/14/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 452XX	Web
Last year, I received medical treatment on XX/XX/XXXX and XX/XX/XXXX. I paid a bill for approximately {$2700.00}. Later, I received additional bills for about {$2300.00}, and taken together all of these bills exceeded my deductible. I called my insurance company and learned that the {$2700.00} bill was never submitted to insurance, so it should not have been sent to me. The insurance company called the provider, who said they would re-submit the bills and correct the totals. I also contacted the provider, which confirmed to me in writing that the bill was not submitted to insurance and that it is working with insurance to resolve the issue. Although this issue is still not resolved, I received a letter from a debt collection company called HRRG. I responded in writing that the debt was not owed because of the provider 's mistake, which was in the process of being resolved. I also provided copies of the provider 's written response to me confirming the mistake. Despite providing this evidence, I have received telephone calls and voicemails from HRRG two days in a row now, from two different numbers- ( XXXX XXXX XXXX and ( XXXX XXXX XXXX. At the very least, I would have expected HRRG to confirm the information with the provider, given that I had provided the written statements. Apparently it has not, and instead has chosen to harass me with repeated phone calls over a debt that I do not owe.
08/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 338XX	Web
I am in conflict with two ( 2 ) accounts that is reporting on my XXXX and XXXX XXXX credit consumer report. Named account XXXX. I had gone to the emergency room visit in XXXX FL. XXXX XXXX XXXX around XXXX where my visit was paid for by my health insurance - However unbeknownst to me the emergency room doctors were not, I was not told this by XXXX XXXX XXXX at time of admittance. NOT FAIR. Now these two XXXX accounts listed on my reports is now affecting my life. I was refused due to a background credit check because of this issue, of all places mobile home park to reside in. I became XXXX XX/XX/2013, but my day in court was literally 4 years later. Nobody is sympathetic that at the time I needed the medical care, while doctors are working as " Sub Contractors '' in the emergency at time of my need, and was not informed. no mention of a payment plan from XXXX. Doctor/s did not get paid on their time line so I was reported to their medical collectors, " XXXX '' The sign on the wall of the emergency room reads, and I'm paraphrasing, Everybody will be seen by a doctor, no matter of ability to pay at the time. XXXX XXXX can not pull back my account from XXXX, because the doctor 's reported me and they are somehow not affiliated with the XXXX?! This makes no sense. Now it is too late to make payment arrangements because XXXX is all scripted robot humans whom only want payment in full.
09/15/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 731XX	Web
At the end of XXXX this year, I went to the hospital and paid expenses up front for my visit. Later received notices for a physician bill I was unaware of until it was being handled by XXXX. The bill was for {$92.00} and it took a couple months for XXXX to verify the debt with me, so then I paid directly to them. I was also receiving calls from HRRG stating that I owed the {$92.00} physicians bill that I already paid, and I had never even received physical notice from HRRG that they were tying to reach out. I asked them why I havent received anything and they told me they mailed out a notice in XX/XX/XXXX and XX/XX/XXXX, then I asked them what my address on file was and she then told me they dont have one. Well I asked how they are supposed to notify people of a debt before its in collections if they dont send out letters, and she followed up with will you be taking care of this with debit or credit I explained that I already paid and she told me okay and disconnected. A few weeks later I received a call again to collect the debt so I called back and provided the exact date Id paid the bill to XXXX : XX/XX/19, and they told me theyd reach out to XXXX to confirm and if it was paid theyd stop their attempts to collect. Theyve called three times this week. They have no reason to call me and they continue to do so after Ive provided everything theyve asked for to verify that Ive paid the bill.
05/29/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43206	Web
ACCOUNT RESOLUTION SERVICE # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ACCOUNT RESOLUTION SERVICE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ACCOUNT RESOLUTION SERVICE purport I owe. I request that ACCOUNT RESOLUTION SERVICE. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ACCOUNT RESOLUTION SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section XXXX of the Revised Code and XXXX XXXX XXXX, as amended.The account Number # XXXX
08/24/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web
hi, my name is XXXX XXXX. i went to the XXXX XXXX XXXX in late 2015, i got treated and i gave them my heath insurance before i got discharged which is XXXX XXXX XXXX. that insurance covers 100 percent so i was n't suppose to get any bill. one year later i get surprise i have a collection, i called the collection agency to get to the bottom of it, and the explain it was a bill from XXXX XXXX XXXX i explained to the i had heath insurance i was n't suppose to get any bill, they said they cant help i have to talk to the hospital and get paper to prove that. which i did i explained to situation to the hospital that there something wrong as the hospital bill was paid from my insurance the physician bill was suppose to be paid as well, and they need to fix it, and give me the paper to submit it to the collection agency. which they replied they cant even access my account to know why they did n't charge my insurance back then, they do n't even know if it was paid or not, because they cant access it anymore. i asked for a paper to give the collection that said that they said they cant give me that either. i disputed with XXXX and they already removed, but XXXX and XXXX did do anything about even with my many calls and dispute to get it removed. I 've been dealing with this for so many months thrown between the hospital, debt collectors, and credit bureaux and no one wan na fix this.
07/31/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33409	Web
My complaint is against Account Resolution Service. I have made three attempts for debt validation from this company because my credit is being ruined from bills that do not belong to me. I am a responsible person if the debt belonged to me i would pay it but i can not pay a debt from a place i have not even been too. My last attempt to get this place to validate the debt they said in writing on the BBB website to me that they do not need to validate and that the debt belongs to me. This company is not treating me fairly. Right after i submitted my first dispute with XXXX about ARS in XX/XX/XXXX my XXXX year old grandmother started receiving phone calls from a man impersonating XXXX trying to get her to give them my information. The phone number area code is from the same area ARS is located. I want them to provide me with a signed contract that i signed saying i agree to pay this bill. This company is breaking the law by providing the wrong information to the CRA 's. The original creditor which i also do not recognise says they have no idea about this debt. So what leg does this company have to stand on? I think this company is a fraud. They have over 270 complaints against them with BBB. I think this company stole my identity to try to extort money from me to get a phony debt deleted from my credit score. That will never happen i will never pay for a debt that is not mine.
09/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43068	Web
I have been contacting all 3 credit bureaus reporting agencies trying to get validation and proof of this medical collection debt. I have started this process verifying this debt since the summer of XXXX, XX/XX/XXXX ( I have been submitting letters of method debt validation, requesting proof etc. every 90 days to allow them time to no avail ) as I maintain health insurance with my employer and shocked I received this on my credit profile. Every communication from the 3 credit bureaus have only mentioned verified and never provided the source or their method of verification ( which is unacceptable ) I have constantly disputed this with the agencies as they have not provided substantial details of method of verification. I then decided to contact the collection agency to possibly get some clarity and validation. I sent a letter priority mail XX/XX/XXXX to ARS requesting proof of this medical debt. I requested to get proof of signature that I stated it was okay to release my information to collect medical debt and proof that I authorize this. I work for an employer where health insurance is provided and maintain. ARS sends me a letter saying I know they represent physicians NO I do not know this and I need proof from the medical facility and doctors that I agreed to this. This is in violation and I would like this removed from all 3 credit bureaus reporting agencies.
06/25/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 23601	Web
ARS ( Account Resolution Services ) is claiming they received a debt from XXXX XXXX XXXX which oversees ER doctors. They claim that XXXX has record of me seeing a XXXX XXXX XXXX at the ER of XXXX XXXX XXXX in XXXX, VA in XX/XX/XXXX. I did not visit the ER at XXXX XXXX XXXX at anytime in XX/XX/XXXX. I never saw a XXXX XXXX. I called XXXX and was routed to an organization called XXXX. I spoke with a representative who tried to look up my collections account by all means possible ( i.e. First name, Middle name, Last name, SSN, birthdate, etc. ) with no success. They said that I was never a patient with them. Being that I did not use the services of the ER and that there is no record with the original debtor I am contesting this debt. Lastly, I was never notified of this debt with any statements or phone calls. The address they claimed to send the statement to that came back as " undeliverable mail '' was not an address I was living at the time they claim the services were rendered. The debt appeared on my credit report in XX/XX/XXXX, two years after the supposed event. I was made aware of the debt when my mortgage loan officer sent me a credit report recently. It was not on my credit in XXXX. I have filed a dispute with all XXXX credit bureaus but wanted to make you aware that this is not my debt and I was never notified before it was negatively reported on my credit.
07/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33023	Web
On XXXX XXXX , 2017 , I sent a letter to A ccount Resolution Service to send me information on collection accounts on my credit report for {$1200.00} and {$980.00}. They are on my credit report as medical accounts. I asked ARS to get me the doctors visit registration sheet copy for those two accounts. When I go to a doctor, they give me a sheet to fill out in which I write all my personal information and my insurance information. I requested a copy of the those documents because this will show them that I did provide insurance, therefore those accounts should not be in collection and should not be on my credit report. In response they sent me a letter on XXXX XXXX , 2017 , stating that they confirmed there 's an outstanding balance, however they did not send me the signed documents I requested. On XXXX XXXX , 2017 , I replied to them that their response is not a verification of debt and again I requested the medical office documents. As of today XXXX /2017 , they have not replied. The letters ARS sent me is showing the creditor name " XXXX XXXX XXXX XXXX XXXX '' which I do n't know who they are, the letter does not show the Doctor 's name or address, just an invoice number and a balance. How can I investigate where this debt is coming from, if they are billing me without telling me which doctor 's the invoices belong to.
10/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06457	Web
To Whom It May Concern, The reason for my dispute is ARS ACCOUNT RESOLUTION 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, ARS ACCOUNT RESOLUTION 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 ) ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION 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 whereARS ACCOUNT RESOLUTIONis 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 reportARS ACCOUNT RESOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
10/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 367XX	Web
I sent a certified letter to the company on XX/XX/XXXX, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. I requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I advise them any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if they could not validate the debt, they must request that all credit reporting agencies delete the entry. That failure to respond within 30 days of receipt of the certified letter may result in small claims legal action against their company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). They signed for the letter on XX/XX/XXXX at XXXX XXXX. They did not respond to my letter at all. They also failed to mark it as disputed on my credit reports. This is a violation of federal and state laws.
07/01/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 08817	Web
XX/XX/2021 I disputed more than several accounts via mail with XXXX. At the time of dispute several were removed without resistance leaving me with one collection account on credit report. Collection account XXXX of {$1400.00} was claimed to be verified through investigation as being my debt within same month of XXXX. I returned reply asking how did they verify account an for investigation reports verifying it was I. XXXX in turn replied I must send a address verification with documents verifying my identity because I wrote them from a different address because I initially wrote them from a XXXX XXXX in which I was discharged on XX/XX/2021. But I followed instructions to theyre reply an sent documents. When I followed up in reference to them receiving documents theyre claim was they never received the documents an I can not have access to investigative reports or anything that verify the account as being mine and the collection will not be removed. This has been a back an forth for months now. Today XX/XX/2021 I wrote a hand written letter an sent it certified with return receipt to collection agency ARS Account Resolution of XXXX Fl for account XXXX. Ive asked them as I did XXXX to send investigative documents verifying the account is mine or remove it in the allotted time if they can not. Now Im filing a report with ConsumerFinance.Gov. Thank you.
03/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33606	Web
I am in a massive medical malpractice lawsuit with XXXX XXXX and therefore I will not owe these debts..There is a total of {$660.00} that still needs to be removed from XXXX and XXXX and XXXX XXXX My attorney is aware of these charges and said I will not owe them..so please remove these debts from my credit report. ARS Acct Resolution {$530.00} and {$280.00} and ARS Account Resolution {$190.00}. The accounts are with : ARS Account Resolution of FL Company 's Response We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX of FL, is a provider of inpatient physician services at XXXX XXXX XXXX XXXX. The following accounts have been placed with our office. Reference number XXXX date of service XX/XX/17 balance {$190.00}, reference number XXXX date of service XX/XX/17 balance {$530.00}, reference number XXXX date of service XX/XX/17. While our client 's services are separate from those of the facility, in an effort to resolve this matter, due to the quality of care issue that has been raised, we have agreed to close the accounts, an request deletion of the items from the consumer 's credit report. Please allow the bureaus 30-45 days to update their records. This his not been done with XXXX and XXXX and XXXX... please resubmit your response to these companies so they will remove these debts as you stated you would.
01/08/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34232	Web
On XXXX the XXXX I received a document stating two invoices with account numbers and amounts owed at a balance of {$2000.00}. On XXXX the XXXX XXXX I wrote to XXXX XXXX XXXX and asked for Validation of the alleged debts they said I owed on five separate accounts. On the XXXX of XX/XX/XXXX the read receipt was signed and sent back to me via USPS. No original documentation, signed paperwork, or anything they had on file pertaining to this account was sent as proof of validation and or verification of the alleged debt ; which was requested in my validation letter along with details of the debt, not just a monetary amount. I sent a 609 letter to XXXX on XXXX the XXXX XXXX and they responded rather quickly ( XX/XX/XXXX I recieved my response ) having deleted 3 of the accounts ( that the Collection Agency didn't even mention in the return letter but I inquired about during first contact with my initial Validation letter ) but stated the two accounts listed in the account had been verified and belonged to me. Again, the documentation I requested for proof of validation and what was used the verify said accounts were not given to me by the Credit Bureau either and by law I know I have the right to have valid proof that a debt is in fact my own otherwise it must be promptly deleted and all reporting should seize to any of the three major Credit Bureaus.
06/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43081	Web
To Whom It May Concern, The reason for my dispute is ARS 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, ARS ACCOUNT RESOLUTION 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 ) ARS ACCOUNT RESOLUTION 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, ARS ACCOUNT RESOLUTION 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 ARS ACCOUNT RESOLUTION is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ARS ACCOUNT RESOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
05/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web
IN RESPONSE TO MY PREVIOUS CFPB COMPLAINT TO YOU, YOU REQUESTED THIS INFORMATION FOR YOUR FRAUDULENT COLLECTION ARS Legal Department XX/XX/XXXX To whom it may concern : As per my XXXX credit report, ARS obtained my credit file on XX/XX/XXXX. I don't recall applying for credit or employment with ARS. From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the XXXX FTC opinion letter XXXX at XXXX XXXX XXXX : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. Please respond via EMAIL TO THE CFPB. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX, FL XXXX
07/06/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 32792	Web
I was called by ARS, Account Resolution Services, agent " XXXX '' at XXXX XXXX on XX/XX/XXXX. I was already in a stressful situation as a company I am in good standing with debited my checking account and I was scrambling to resolve the issue of an overdraft. I informed her that I was unable to pay anything at this time due to not being employed due to XXXX for over a year, and now having this debit on my account that I was not expecting so I had nothing to spare anyone at this time. She then stated, " Well, if you have debits coming off your account already that is going to be us shortly. So, what are you going to do about it? '' This in my mind implied garnishment of my already dwindling savings as well as any money in my checking account. As my XXXX are aggravated by stress this did not help the already escalated situation. I was on the verge of rash behavior as it was, and this almost put me at the edge. I have sent a written letter to the company informing them of the agents actions, that fact that I am currently in the process of a XXXX claim with court date pending, and that due to the ramifications of that call all contact is to be terminated. The agent in so many words threatened me, and this has caused XXXX. I have not denied the debt, but at this time and until my XXXX hearing, I can not pay and I don't appreciate being threatened.
04/24/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33511	Web
XX/XX/2018 i contacted THIS THIRD PARTY COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THE ORIGINAL CREDITOR IS Original Creditor Name XXXX XXXX XXXX ADVISED THEM ONCE ITS SOLD ITS WRITING OFF THEY ARE TRYING TO COLLECT ON A OLD CLOSED ACCOUNT ONCE IT WAS SOLD THIS IS A NEW CONTRACT THAT I NEVER SAW NOR CONSENTED TOO BUT HAS BEEN DONE ILLEGALLY ars in reference to two accounts being reported as bad debt..i first asked them to furnish me with the original application showing my signature..Rep said she didn't have to SHOW that i told her according to fdcpa A debt has to be proven BY SIGNED CONTRACT BEING PRODUCED she said their is no such thing ... 2nd i asked when did i come to agreement with XXXX to have access to my XXXX records AND ALSO I TOLD HER THIS COMPANY HAS VIOLATED MY HIPPA RIGHTS GAINED ILLEGAL ACCESS TO MY PERSONAL MEDICAL RECORDS I ADVISED THEY NEED TO REMOVE THESE 2 ACCOUNTS FROM ALL THREE OF MY CREDIT BUREUAS SHE STATED IT WILL STAY ON MY CREDIT AND DAMAGE IT..i advised her i need proof of such occurrence..she placed me on hold..a supervisor got on the line stating if debt was not paid they could garnish my wages even sue me i asked for this in writing they disconnected the call.. I called back another representative came on the line and immediately said we refuse to talk to you and disconnected
05/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
As I have stated I have documentation of every letter sent to this company and no response from this company as well. The address on file for the account is not address I 've had the same address for XXXX years. If the company had responseded to any certified mail with return signature I sent that would have had my real address to contact me and respond accordingly. I have all the documentation from XXXX the certified mail I sent was received and signed for my the company no mail from this company was sent to me. Also as I stated a police report and report with the FTC waa filed XXXX XXXX XXXX . By law this company has to mark my account disputed upon 30 days of the request I sent by mail which was not done and any validation information binding me to this account was not sent within the allowed legal 15 days. Any disputes marked on my credit reports today will be removed and will mot stand in court as my letters sent to the company are date and time stamped as is the signature from the company when they received the letters I sent. The account needs to be removed from all credit reporting agencies. I will proceed forward with all the documentation and evidence I have for a lawsuit until the accounts are removed from any and all credit reporting agencies. A fraud alert was already placed on my accounts and social as well.
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33313	Web
This is a follow up complaint top ARS. ARS stated XXXX reporting of an unpaid collection account is not a violation of a cease communication request, which refers to contacting the consumer regarding the debt in question. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium in accordance to 15 USC 1692a ( 2 ). A credit report is a medium that you're communicating with me the consumer indirectly! ARS claims once again that the FDCPA doesnt apply to them and they continue to violate my cease and desist! I have given ARS over a month to cease communicating and they still continue to so. I have rights as a consumer that i will not continue to let this lousy third party company who stole my identifying information to violate. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, excep to advise the consumer that the debt collectors further efforts are being terminated. Im not paying it and you need to cease and communication directly and directly before i sue your XXXX under the FDCPA. You make a choice, XXXX or XXXX
05/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44146	Web
On XX/XX/XXXX, I sent a letter Account Resolution Services ( ARS ) credit collection agency disputing the debt that is being reported to all 3 major credit bureaus in the amount {$940.00}. I requested that ARS provide me with validation of the debt in the form of a copy of an original bill and a detailed statement of procedures. I asked that this information be sent to me via U.S. Mail within 30 days. On XX/XX/XXXX, Account Resolution Services sent me a letter stating that the debt is valid, but failed to provide the proof verifying the debt as I requested within my legal rights. They also failed to provide me with the ORIGINAL CREDITOR 'S contact information including full name, address and contact number. On XX/XX/XXXX ARS sent me the exact same letter again without any additional information stating that the debt has been verified by " their client '' and has continued to report this on my credit. By not providing me with the proper verification within the required amount of time ARS has blatantly disregarded the FCRA and FDCPA law. Now as of XX/XX/XXXX this inaccuracy is STILL being reported and I have yet to be given the opportunity to investigate this debt. I am requesting that you require this agency produce proof or immediately stop reporting this debt as it is affecting my ability to obtain credit with other lenders.
02/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60473	Web
I sent a 2 separate letters of requesting validation to : Account Resolution Services, XXXX. XXXX XXXX, XXXX, FL. ( XXXX ) XXXX about 3 collections debts showing up on my credit report. I asked them to please provide the following or remove the debts from by credit report : 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. They have not provided by with the information I requested and have not removed the collections from my credit report. They have just re-sent the same letter demanding I pay. They say in the letter that they have verified the the debt, but they don't give me the name or address of the so called original creditor.
09/06/2020	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 32825	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone number XXXX To whom it may concern, My name is XXXX XXXX and I see that that there is an open account for collections of FL XXXX XXXX XXXX XXXX. I am writing to you regarding what looks like two reports showing delinquent on my credit score. My son has XXXX XXXX at XXXX years old at this office. His insurance changed before the second payment, and the office was sent in the change of insurance many times. I even sent it back with one of the bills. About 4 months later my father was diagnosed with XXXX XXXX, and I became his full time caregiver. During that same week I also became the full custodial parent to my XXXX year old. His father at the time agreed to pay the remainder of the procedure but I can see he let that go to my dismay. I reached out to the original creditor who seemed to not adjust the insurance accordingly and I could not get in touch, even sending in mail. I am writing to you to ask in tern I will pay the remainder if there is absolutely any way your company can reach out to the credit bureaus and delete the negative and derogatory line of credit from my account. I am beyond sorry about the confusion and delays on this account. I can assure you I can have it paid in full if this is able to be taken off of my credit account to assist going further.
02/07/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
I received a phone call to collect a debt of {$730.00} for a medical bill. I asked the representative that contacted me in XX/XX/XXXX what the debt was for and I was told that ''it was for a visit to see my primary care doctor for a routine exam in XX/XX/XXXX ''. This is health information that the debt collector should not be in possession of I asked the name of the ''primary care doctor '' and I was not provided with that information. It is my right to know the original creditor. I also asked the agent if she was in possession of anything that would give her the legal right to attempt to collect a debt from me she never answered that question.She never verified my information so I asked her my address to make sure she sent the validation to the correct address and she verified an incorrect address with me. I asked XXXX XXXX XXXX to validate the debt and I received a letter ( that went to the incorrect address that was later forwarded to me ) stating that this debt is from XX/XX/XXXX for the sum of {$510.00}. The debt is reported on my credit as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XX/XX/XXXX {$730.00} {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I then requested that I do not want the company to contact me anymore until they call legally show me proof that I woe this debt to them.
08/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33801	Web
XXXX has allowed XXXX XXXX XXXX to deceitfully report this entry on my credit reports each month as if they have just begun reporting ( see attached credit reports ). Each month the previous month 's history is not reflecting ; hence, giving the perception that the account entry was just recently added. THIS IS DECEIT AT ITS FINEST. This account is erroneous in nature as I never signed a contract with this company, yet they say I had terms of 1 month with them. Additionally, I was never informed nor received any communication from this company prior to them inserting it on my credit reports. XXXX does not report any payment history on XXXX and XXXX as well as cite a totally different open date among the 3 bureaus. Lastly, if this company can falsely report the entry each month on XXXX as if it was just reported and blatantly omit the other previous history since they are claiming/alleging a debt was owed since 2016, as well as the mere fact that their claim lacks veracity. What documents provide my original signature and reflect where I agreed to pay the alleged debt to them? Where is a copy of the financial responsibility page if this is truly my medical debt as reflected on my credit report? This entry should be deleted immediately as XXXX and XXXX as well as XXXX and XXXX are violating my consumer rights.
11/17/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22102	Web
On XX/XX/2022, I pulled my credit, and saw that XXXX is reporting several accounts on my report. Account : XXXX, alleged debt : {$1000.00} Account : XXXX, alleged debt : {$310.00} Account : XXXX, alleged debt : {$1500.00} On XX/XX/2022, I sent XXXX a letter requesting the below information : XXXX. Breakdown of fees including any medical charges and collection costs XXXX. A copy of my signature with the providers of service to release my medical information to you XXXX. Cease any credit bureau reporting until the alleged debt has been validated by me. I received a letter from XXXX dated XX/XX/2022 without providing me the information I requested to validate these alleged debts. Per the XXXX Collection Laws and FDCPA, the information that I have requested is not to their discretion and/or whatever they see fit, they are to comply, but they chose to violate my rights. So, on XX/XX/2022, I sent them another letter demanding a cease of the accounts and delete them off my credit reports immediately. However, I received another letter from them dated XX/XX/2022 completing ignoring my letter and sending me the same generic letter they previously sent that was dated XX/XX/2022. I was asking for validation, not verification. I am demanding that they cease collection and delete these accounts off my credit reports.
01/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	ID 83634	Web
I put in a complaint on XX/XX/XXXX Complaint Number XXXX which states as follows On XX/XX/XXXX I sent a letter to XXXX, XXXX and XXXX about ARS XXXX with a follow up on XX/XX/XXXX and XX/XX/XXXX. I have yet to get anything from anyone but XXXX which was only a letter with the total charges coming to {$1000.00} but my credit report lists a total of {$510.00}. No information of the first delinquency provided. I have also reached out directly to ARS to verify the account is mine and along with what the charges are for on XX/XX/XXXX and have gotten no response about this debt. ARS responded on XX/XX/XXXX stating they sent me a initial validation notice on XX/XX/XXXX which again I never received and they didnt respond to any of my letters they also stated they did on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They sent no attachments on the complaint as proof and then I received numerous letters which I have also attached here where they now have a validation notice that is dated XX/XX/XXXX and then another letter dated XX/XX/XXXX and XX/XX/XXXX saying it was verified. Obviously this company is making false statements and also not providing the correct FRCA compliance date to the Credit reporting agency or giving me any information on how this is mine or what the charges are for.
11/17/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22102	Web
On XX/XX/2022, I pulled my credit, and saw that ARS is reporting several accounts on my report. Account : XXXX, alleged debt : {$1000.00} Account : XXXX, alleged debt : {$310.00} Account : XXXX, alleged debt : {$1500.00} On XX/XX/2022, I sent ARS a letter requesting the below information : XXXX. Breakdown of fees including any medical charges and collection costs XXXX. A copy of my signature with the providers of service to release my medical information to you XXXX. Cease any credit bureau reporting until the alleged debt has been validated by me. I received a letter from ARS dated XX/XX/2022 without providing me the information I requested to validate these alleged debts. Per the HIPAA Collection Laws and FDCPA, the information that I have requested is not to their discretion and/or whatever they see fit, they are to comply, but they chose to violate my rights. So, on XX/XX/2022, I sent them another letter demanding a cease of the accounts and delete them off my credit reports immediately. However, I received another letter from them dated XX/XX/2022 completing ignoring my letter and sending me the same generic letter they previously sent that was dated XX/XX/2022. I was asking for validation, not verification. I am demanding that they cease collection and delete these accounts off my credit reports.
10/13/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 08094	Web
I was seen at XXXX XXXX ( now owned by XXXX XXXX ) clinic on XX/XX/2019. All I received from the visit was a prescription for an antibiotic, and nothing else was rendered from the service. There were no diagnostic tests, no lab work, no useful medical advice given at my visit. Few weeks later I received a surprise bill of XXXX dollars from XXXX XXXX. I paid the unfair, unjust price of XXXX dollars. Then few weeks later I received another bill from the nurse practitioner for XXXX dollars. Her company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wrongfully, double billed which is affecting my credit history. I disputed the bill with the provider, and then surprisingly they passed the bill to a debt collector. I disputed the bill with the initial debt collecter and they said they will take care of the bill. Then I received a notification from another debt collector ( present debt collector ) for the same bill. I disputed the bill with the present debt collector but they resorted to placing the bill on my credit report. For the extent of the medical service I received, I have become a victim of fraudulent billing, wrongful charges, double billed and an extreme version of price gouging on a service in which I was not notified of the charges at the time of transaction. The debt collector is ARS Account Resolution service.
03/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43085	Web
To Whom It May Concern, The reason for my dispute is XXXX # 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, XXXX XXXX XXXX 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 ) XXXX XXXX XXXX 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 XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX XXXX XXXX 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. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
04/15/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07040	Web
This company has violated the FDCPA and the Fair Credit Reporting Act. They reported XXXX accounts on my credit report. I contacted both the company and the credit report agencies to demand validation of the debt they are trying to collect. Under the FDCPA and FCRA a debt collector can not report to a credit reporting agency unless and until it verifies the debt This company instead reported the accounts to experian and equifax after they had been removed from XXXX because they could not be validated. These accounts were reported to the above agencies on XX/XX/2017, and I did not receive a reply regarding my request to validate until XX/XX/2017. Not only were the accounts reported to XXXX agencies while it was being disputed, the only reply I received was a simple form letter with dates and amounts, not any verification. There was no proof of any type that this debt belonged to me as I demanded. Their was no date of verification nor any documentation of the authorized HIPAA business relationship between ARS and the original creditor. Being that I was insured at the time it is extremely important that I receive full validation of any alleged debts including services or signatures. This company has been unable to properly validate this debt and continue to report in full violation of the FDCPA and FCRA
11/26/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 22102	Web
On XX/XX/2022, I pulled my credit, and saw that ARS is reporting several accounts on my report. Account : XXXX, alleged debt : {$1000.00} Account : XXXX, alleged debt : {$310.00} Account : XXXX, alleged debt : {$1500.00} On XX/XX/2022, I sent ARS a letter requesting the below information : 1. Breakdown of fees including any medical charges and collection costs 2. A copy of my signature with the providers of service to release my medical information to them 3. Cease any credit bureau reporting until the alleged debt has been validated by me. I received a letter from ARS dated XX/XX/2022 without providing me the information I requested to validate these alleged debts. Per the HIPAA Collection Laws and FDCPA, the information that I have requested is not to their discretion and/or whatever they see fit, they are to comply, but they chose to violate my rights. So, on XX/XX/2022, I sent them another letter demanding a cease of the accounts and delete them off my credit reports immediately. However, I received another letter from them dated XX/XX/2022 completly ignoring my letter and sending me the same generic letter they previously sent that was dated XX/XX/2022. I was asking for validation, not verification. I am demanding that they cease collection and delete these accounts off my credit reports.
04/05/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32822	Web
I'm writing this complaint and there is no third party involved. To whom may concern Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account 2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. 3. Deletion from all consumer reports. 4. Delete all my personal information from your company. I'm also requesting validation ( attached ), Please be aware of filling up each line requested. ( Don't forget the Authorized Signature of Creditor ) You must return this completed form along with copies of all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form 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.
03/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19348	Web
A credit report dispute was submitted to XXXX on XX/XX/XXXX and completed XX/XX/XXXX via XXXX XXXX in regards to XXXX XXXX XXXX, XXXX. I contacted XXXX to request " debt verification '' letter because I was unfamiliar with the alleged debt they were trying to collect. I was unsuccessful, XXXX was very uncooperative so I enlisted the help of the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and forwarded supporting documentation. The XXXX acted as an intermediary and relayed my debt verification request to XXXX for a second time on XX/XX/XXXX. After some investigation we found that all the contact information on the account belonged to a totally different person. XXXX still maintained that there information was correct. More than thirty days have passed since the initial inquiry and XXXX has not been able to provide sufficient proof of alleged debt, so I am requesting that the debt for {$1100.00} from XXXX XXXX XXXX XXXX XXXX, XXXX be removed from my credit report expeditiously. Please notified XXXX that if you do not comply with this request, immediate action will be taken against them with the Federal Trade Commission and the Florida Attorney Generals office for violation of Fair Debt Collection Practices Act Section 807 ( 10 ( 11 ) and 809 ( 15 ). Civil and criminal claims will be pursued.
08/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43140	Web
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts ARS ACCOUNT RESOLUTION # XXXX, # XXXX, # XXXX, # XXXX, Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above company and I request again that proof of Claim and verification. I am filing a complaint over XXXX XXXX violation as well. I am not sure how my personal information ened up at the office of ARS ACCOUNT RESOLUTION
07/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33569	Web
There are two companies which appear on my credit reports which I have requested via mail and certified mail for them to provide me with information that these services were provided and approved by me. One of them, which services supposedly occurred in XX/XX/XXXX since XX/XX/XXXX, the other which services supposedly occurred in XX/XX/XXXX since month of XXXX. Neither of them have provided any information they continue to send me a bill that states these are my accounts but no further information to prove they are mine. Naturally, it has almost been 7 years and I can not recall if they are truly mine or even what they are for as they do not provide any details. I have written also to all three collection bureaus and nothing has occurred, until I spoke today with XXXX who advised I should file a complaint with the FDC which re-routed to you. My credit is heavily impacted by these accounts who I believe unless they prove otherwise are fraudulent and thereby causing me frustration, undue stress and limiting my credit abilities. I ask humbly for your assistance and intervention. I frankly do not understand why the bureaus are not asking for confirmation of the accounts prior to allowing them to show on the reports hurting all consumers. I appreciate anything you can do to assist. Thank you.
01/20/2020	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 349XX	Web
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
04/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 731XX	Web
XXXX XXXX XXXX ( XXXX XXXX XXXX ) has sent me XXXX fraudulent medical invoices to collect a debt that is not valid. I have received XXXX Fraudulent Medical Invoices on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Today, XX/XX/XXXX, I received a debt collection letter from HRRG and I have sent a dispute letter to HRRG. The XXXX invoices are fraudulent and state that I owe {$150.00}. I have contacted my medical provider to let them know that I have received XXXX fraudulent letters/invoices and I have filed the following complaints in the past with XXXX and FTC on XX/XX/XXXX and XX/XX/XXXX. The XXXX invoices contain misspelled words, fraudulent account numbers, and fraudulent medical provider name. The XX/XX/XXXX fraudulent invoice asked me to fill out my insurance information and credit card information. The website address listed on the invoice is XXXX I have contacted XXXX XXXX XXXX to verify if I owe a balance and I do not owe a balance, after paying a total of {$770.00} in medical bills from the XX/XX/XXXX emergency hospital visit. I have confirmed that two payments were made by me on XX/XX/XXXX for {$730.00} to the XXXX XXXX XXXX and a payment of {$39.00} was made by me to XXXX XXXX, XXXX on XX/XX/XXXX and I can provide copies of my paid medical invoices from XX/XX/XXXX emergency visit.
11/02/2021	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 77546	Web
Ars : {$2800.00} Total XXXX XXXX XXXX : {$4500.00} Specialized collection services : {$710.00} My medical information was shared with a collection agency, Account Resolution Services, XXXX XXXX XXXX & XXXX Collection services I am being charged I've attempted on two occasions sending letters to Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX XXXX for debt validation in XX/XX/XXXX and XX/XX/XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX XXXX to have authorization to collect a debt. Instead Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX XXXX has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies in XXXX XXXX and XXXX XXXX explaining that Account Resolution Services, XXXX XXXX XXXX & XXXX XXXX XXXX has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity immediately.
03/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MA 021XX	Web	Servicemember
I have tried to file a dispute with XXXX and XXXX for this debt. There are several issues that are incorrect but the debt collector 'XXXX XXXX XXXX XXXX ' has claimed their information is accurate. My bankruptcy completed on XX/XX/XXXX and I paid XXXX XXXX XXXX directly on their website with my XXXX credit card. I never received any statements beyond the first one, nor did I ever receive any collections notices because the debt was paid. As of XX/XX/XXXX a collection account appeared on my credit report saying that it was opened in XX/XX/XXXX, and that I owed 3 times as much as what I originally said directly to the hospital in XX/XX/XXXX. Not only should this debt not have gone to collections because it was already paid off, the hospital apparently sold my debt to collectors that opened a NEGATIVE remark on my report more than a year after my debt was paid. I have disputed twice to have them verify the dates but nothing has been done. If this can not be removed from my report, the least they can do is correct the dates to XX/XX/XXXX instead of XX/XX/XXXX. The collections account is still showing as OPEN on my XXXX report, although it also says discharged w/bankruptcy below that. Ica n't do much until housing/vehicle wise until this is straightened out. Please help.
03/05/2019	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 337XX	Web
XXXX is attempting to discount Consumer Protection that is available to me from complaint XXXX. I have requested that they communicate with my attorney only, yet they refuse and have not contacted. I have provided his information again in this complaint and I want them to contact him ASAP. 1. HRRG had multiple contacts with this consumer, took updated health insurance information and attempted to bill for the patient. I verbally told XXXX to stop calling me yet they called me anyways it was only later that I had put it into writing. Regardless of multiple contact info they have the revocation is a global request to cease and desist. 2. She never asked for phone calls to cease until receipt of the letter from her attorney was processed on XX/XX/2019. This is false! I verbally told them to stop yet they continued to harass and threaten me. 3. HRRG has not violated the TCPA and the consumer provided the number at the time of service. False - The use of pre-recorded messages to solicit payment and for non-emergcy purposes is a violation of TCPA. Please call my attorney as previously requested. I dont know why I must spend so many countless hours trying to correct he mistakes of this comapny. They have broken the law. I am asking that they contact my attorney.
02/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30152	Web	Servicemember
Debt possibly resulted from identity theft as HRRG claims they are the servicing agent for a physicians group called XXXX XXXX XXXX that supposedly provides ER doctors for XXXX XXXX Hospital, which in reality they do not. Another physician group provides those services and another collection agency services that group, not HRRG. I made a mistake by giving this HRRG the last XXXX digits of my Social Security Number, as I had thought initially that this was a legitimate collection agency and/or company. They are trying to collect {$1100.00} on a date that services were provided by XXXX XXXX Hospital ER and they claim they are acting as the physicians clearing house for filing medical claims as well as a collection company for their clients. HRRG claims they filed insurance claims with both XXXX and XXXX XXXX insurance, insurance I do n't even own, and the claims were both denied and now they are attempting to collect a debt, that I do not owe. I have contacted every medical company and group involved in this claim and none of them do business with HRRG and none of them use HRRG for collection. XXXX XXXX Hospital billing department has never heard of them or used them. This is a bogus fraudulent claim and a scam and these people need to be shut down and go to jail.
07/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77320	Web
O n XX/XX/XXXX , o ur daughter had a XXXX XXXX XXXX XXXX XXXX . We used XXXX to try and remove it at home. After a while, the indention was still there, so we decided to take her to XXXX XXXX XXXX . When we arrived we signed in. We looked at her toe again under the fluorescent lights at the hospital and determined that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . We told the hospital that under the lighting, we could tell that the XXXX was no longer there. Since we already signed in, they had us sign something that said we no longer needed to receive treatment from them. We went home and received a few bills a month or so later. They totaled around {$170.00}. I called the hospital to speak to the billing department. They said it was a mistake on their part and said that it was taken care of on their end. Apparently {$120.00} of the entire bill was eradicated because we have received no bills whatsoever in probably a year or so. Now, after all this time, we are getting a bill from a debt collector for {$47.00}. I called the debt collec tor, ARS, on XX/XX/XXXX and explained to them the situation and told them I wanted to dispute the debt. They told me they will continue to contact me for the debt.
03/09/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	ND 58103	Web
Getting harassed about a hospital bill that they refuse to bill to my insurace. Many calls with the bill collection agency, the hospital I visited had no effect in stopping the barrage of phone calls and mail. My three way calls between the debt collector, my insurance provider, and myself seemed to be most effective but nonetheless never stopped their pursuit to get me to pay without billing insurance. Often trying to decieve me saying it was not covered. Luckily I was smart enough to call my insurance and confirm they were never sent any claims or billing. To no avail explicitly telling them to stop harrassing me with calls and mail never stopped their relentlessness. I thought after the fourth three way call I had back in in the middle of XXXX in XXXX I thought the XXXX of dealing with HRRG was resolved. Today I woke to find another letter from said debt collection agency trying to collect money without billing my insurance. It is a bill of XXXX $ from XX/XX/XXXX. The collection agency in question is " Healthcare Revenue Recovery Group , LLC ''. The number they advised me to call, " XXXX ''. At the top it says " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' At the bottom there is a detachable portion for you to send payment to a " XXXX XXXX XXXX XXXX XXXX XXXX ''
01/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33026	Web
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is XXXX XXXX XXXX. And the third account is XXXX XXXX XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in XXXX and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
04/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 170XX	Web	Older American, Servicemember
I have tried for over a year to resolve a debt that is not mine. XXXX XXXX associates of XXXX XXXX, XXXX : XXXX XXXX in XXXX, New Jersey has been dunning me through " ARS ", Account Resolution Services, XXXX. XXXX XXXX XXXX, FL XXXX. This debt is from a fall I had on the unshoveled, icy sidewalk in front of XXXX. ( XXXX XXXX XXXX ), in XXXX, New Jersey, where I was in lockdown, as a ward of the New Jersey XXXX XXXX XXXX and indigent. I refused medical attention and then they strongarmed me to XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey XXXX. They took one x-ray and that's it. I was back in custody in less than an hour. No medication was given or prescribed. Their invoice is for {$650.00}. XXXX, as an entity attached to the XXXX XXXX XXXX is totally responsible for the debt. Can you please have this cleared up and removed from my credit report ; as I am trying to buy a house and this is the only mis-directed Billing negative on my credit report. I've tried and tried to contact both ARS and XXXX XXXX ; with never a response ; except the dunning continues. Please try to expedite this, As it is hampering my forward progress from their mis-directed Billings. Thank you, XXXX XXXX XXXX ( text only, please, as I am deaf. Or my email : XXXX XXXX
12/14/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43235	Web
To Whom It May Concern, The reason for my dispute is HRRG # 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, HRRG 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 ) HRRG 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 HRRGis 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 HRRG 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. HRRG has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
02/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73013	Web
I checked my annual credit report that I get free and noticed a company called XXXX on the report. This was around XXXX of 2018. I sent a letter certified to XXXX at their location in XXXX, Fl that was on my credit report. I asked for verification of the debt as the company they had listed I had never done any business with nor owed any debt to. I asked them to send me details such as a contract, invoice, statements sent and any verification the company took to verify and the person 's identity as I am sure this is not my debt. I received a letter back about a month later stating they had verified the debt is valid and then they started to send me invoices and statements. They never sent me any proof other than they deem the debt valid with nothing of substance. On XX/XX/XXXX I sent yet another certified letter demanding proof they had the right person. I asked for a contract showing they had the right to collect the debt on the company they are portraying to be collecting on behalf of and if they have rights to collect in my state. I also asked yet again for any proof that the debt is valid. Contract or Agreement of the debt identification used to verify said persons identity anything showing the debt is valid and belongs to me and not someone else
09/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73069	Web
I had a workplace accident on XX/XX/2019. I dislocated my shoulder. Taken by ambulance to XXXX XXXX XXXX XXXX. I was in contact with my employer 's insurance. XXXX ( XXXX, Claim XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX ) charged ME for Ambulance services, and sent the bill to Collections with ARS ACCOUNT RESOLUTIONS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX charged ME for the ER visit. I took my claim information to XXXX, but it wasn't put in their system. I visited the business office at the Eastside XXXX TWICE. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) and sent the bill into collections with XXXX XXXX XXXX / collections at XXXX XXXX XXXX # XXXX, XXXX XXXX, OK XXXX It had already been sent to Collections, and was out of their system I started getting calls from their collection agency. I explained that it was workman 's comp. I contacted XXXX 's, ( see above ) and they assured me that they would correct the situation with the collection agency. My credit score has dropped 300 points. and I've just blocked the collection calls. I was assured by XXXX 's that they would negotiate with collections. Through no fault of my own, I am being chased for this collection.
04/29/2022	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 46410	Web
These people are continuing to report inaccurate accounts on my credit! ALL OF THESE BILLS ARE PART OF SERVICES RENDERED THAT ARE NOW PART OF A MALPRACTICE LAWSUIT. DATES XX/XX/2020 - CURRENT. They added an account to my credit for {$46.00}. {$46.00} DOLLARS! AGAIN, MY LAWYER HAS SENT THEM LETTERS REPEATEDLY AFTER VERIFYING ALL OF THE ACCOUNTS THEY HAVE WITH THEM ARE PART OF A MALPRACTICE LAWSUIT. ANY DATES OF SERVICE BETWEEN XX/XX/2020 AND NOW ARE TO BE HELD, PER THE CRYSTAL CLEAR LETTER ARS and THEIR THEIR ILLITERATE CLIENTS FAIL TO READ. Any medical collections from XXXX XXXX XXXX XXXX, ARS XXXX, XXXX XXXX, or other medical related collections are being placed on my report out of spite due to pending litigation. Dates of service are XX/XX/2020 to CURRENT. These entities have chosen to ignore repeated requests from counsel to pause collection efforts until case resolution. They are also changing account numbers and balances by 1 number to report the same debt more than once on my reports. ARS has a poor XXXX rating and are under investigation for consumer fraud. I have been successful in getting these accounts removed from my XXXX report but XXXX will just keep changing account numbers and amounts to add them back like they have been doing.
08/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33025	Web
on XX/XX/XXXX and XXXX XXXX i requested that ARSAccount Resolutions send me Validation of Debt and HIPAA authorization. I asked for them to please provide a breakdown of fees including any and all collection costs and medical charges. I also asked for them to provide a copy of my signature with the provider of service to release my medical information to them. This is a medical debt legally required to be in possession of in order to collect on a medical debt. ARS Account Resolutions has done nothing but send me a letter only stating the collection costs. This is unlawful and is detroying my buying power and character a consumer. I wrote multiple letters to XXXX, XXXX, and XXXX asking for them to properly investigate ARS Account Resolutions accounts on my credit report on XXXX XXXX and XXXX XXXX also and they have not done so. I reminded them several times that these are MEDICAL ACCOUNTS, that is protected under the Health Insurance Portability and Accountability Act of XXXX Section 1173 and that By improperly verifying the ARS Resolutions account they are compliant in violating my rights. This i very Hurtful and i feel discriminated against and this is very offensive because they are blatantly disregarding my rights as a human being and consumer.
04/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43235	Web
To Whom It May Concern, The reason for my dispute is XXXX # 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, XXXX 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 ) XXXX 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 XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX 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. XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
10/21/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 79936	Web
I HAVE ASKED XXXX VARIOUS TIMES TO SEND ME THE FALLOWING 1. A copy of a Liability Agreement bearing my signature along with proof of identification presented at the time of the visit. 2. Verification the claim was submitted to my insurer within the allotted timely filing period. 3. The Explanation of Benefits received from my insurer in response to the claim verifying my responsibility for the amount billed. 4. Documentation verifying the amount owed has been deemed Patient Liability. I trust that you are aware that it is both, unlawful and unethical, to bill me for any amount of money your office is liable for. 5. Any proof that you may have that it was communicated to me that payment was expected before services were rendered I trust that you are aware you can not report this as a collection unless credit was extended to me. Credit is extended if your office regularly requires payment before rendering services and make patients aware that through receiving care on credit they would later be responsible for the unpaid amount. AS PER ( FCRA 623 ). HOW EVER THEY SENT A PHOTO COPY OF MY SUPPOSED BILL ANS SERVICES WHICH VIOLATING HIPPA IO DEMAND THAT THEY STOP COLLECTING BOGUS AMOUNTS AND REMOVE THIS INACCURATE INFORMATION IMMEDIATELY.
02/04/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63114	Web
My name is XXXX XXXX and I have been trying to get these collections off my credit report since XXXX of XXXX. Since that time I have sent 3 Certified letters 3 times to ARS, XXXX XXXX XXXX and XXXX. I sent letters because I believe that my HIPPA Rights have been violated because I do not recall giving anyone or signing anything of releasing any of my medical information to anyone. Also, I asked for validation of debt letter and never received anything. Until XX/XX/XXXX ARS sent a collection letter but it has violations on it, according to 15 USC 1692 b 2 and 15 USC 1692 b 5. To this day over 120 days later, and that was the only letter I received. I also sent them an Affidavit about the violations. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am in the process of getting a home loan and this is hurting me. I am a single parent with XXXX kids trying to make things better for us.
10/18/2022	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 328XX	Web
account resolution services XXXX bought " my '' credit file from XXXX XXXX Florida XXXX XXXX. they call XXXX XXXX XXXX times a day they mail bills and in doing so they are asking for full amount owed due to emergency room visit that are XXXX over the original amount there are XXXX collections on my XXXX and XXXX report, the problem is XXXX XXXX waived the dept because of income except for XXXX of the XXXX amount meaning that XXXX of the XXXX had a XXXX $ balance that is now XXXX $ XXXX per claim against me. further they on my credit report change the date to the current date every month making it impossible to ever fall off my record. I am in dispute status with XXXX and with XXXX over these XXXX claims but the results were that they were valid and this can not be because the dates are changing plus the forgiveness of dept in the first place by the hospital. also XXXXXXXX XXXX said Florida physicians charges as well but that this is the problem when you go the ER at XXXX XXXX you don't see a doctor ( physicians ) you see nurses practitioners so why a separate bill to see a doctor when you never saw a doctor. these XXXX injustices need to be removed from all 3 Major credit report agencies and ARCS should be fined for date changing.
09/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
Recently I received a copy of my credit report, upon reviewing my credit report I noticed XXXX XXXX XXXX XXXX had reported derogatory remarks to my credit report, XXXX hadn't sent any notice and failed to apprise me of, and afford me of my right to dispute and challenge such negative information being communicated to any third persons, per 15 USC 1681s 2 ( a ) ( 7 ). I had no knowledge of this account neither did I have an account with XXXX XXXX XXXX XXXX. On XX/XX/2018 in a good faith effort I sent XXXX XXXX XXXX XXXX a debt validation letter in accordance to Texas Finance Code 392.202 ( see attached validation request ). On XX/XX/2018 and again on XX/XX/2018 XXXX XXXX XXXX XXXX sent me a computer generated printout as an alleged verification of the alleged debt XXXX XXXX XXXX XXXX alleges I owe, ( see attached printout ). On XX/XX/2018 I again communicated with XXXX XXXX XXXX XXXX via Certified Mail, ( see attached letter ), exercising my rights under 15 USC 1692g ( a ) ( 5 ) I requested the name and address of the original creditor, my request for the information of the original creditor is not time barred and XXXX XXXX XXXX XXXX willful noncompliance has hindered my rights to obtain information of this alleged debt.
07/19/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77077	Web
First of all I was told by the police I should go to the hospital which they suggested upon seeing my condition. I was badly beaten and robbed. I was treated at the hospital as a crime victim they took my police report incident no and everything. When discharged I was told to go to a different hospital within a week to have a check up for my ear and to come back to the hospital to do some paper work for crime victim. I went to the hospital and completed and provided all the paper work needed. When debt collection company kept calling me I kept telling them what happened and they never told me I could dispute it but asked me to send them my insurance which I wasnt liable for or asked me to call crime victim compensation, upon calling them they werent of any help whatsoever. Debt collection kept calling me but never mentioned I can dispute it every time I will explain them my situation. Once I knew I can file dispute I asked them to do a dispute representative told me okay and it will be resolved within 30 days. Months pass and today I get a call again regarding the same collection as if its their first time calling me. This is having a bad impact on my credit score and I am not being able to improve it due to this collection
03/21/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 193XX	Web
I was seen at XXXX Hospital on XX/XX/XXXX for and incident where I needed XXXX XXXX XXXX XXXX XXXX XXXX. A few months after the injury healed ; I had sharp pains in that very spot. I found out that there was still XXXX XXXX XXXX XXXX. I have made numerous complaints to the hospital ( clinical complaints ). In XX/XX/XXXX I received two bills, one from the E.R and one from the physician. After MONTHS of calling ; The E.R. Bill has been taken care of due to error of the hospital. They did not bill my health insurance. I was under the impression that both bills were taken care of. I received a notice of debt collection almost a year later from XXXX debt collection stating that they are seeking {$1100.00} for that E.R visit ( physician bill ). I contacted the company to explain the situation, but they only offered me a deal for a lower amount to be paid. I called the hospital ( twice ), had a free over-the-phone consultation with a lawyer who both told me to call the collection agency, explain the situation again and provide my insurance information. I called again today, XX/XX/XXXX ( got hung up on 3 times ). I tried to explain the situation. XXXX said they can not speak to me because I SPOKE to a lawyer. I am at my whits end.
09/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 212XX	Web
I have contacted this company on 3 different occasions regarding an account they furnish in the amount of {$940.00}. This company is being grossly negligence. Despite my very specific request for them to properly validate this account they totally ignore and continually send the XXXX that they want to! I asked this company to provide me with a consent to treat or authorization form to coincide with the dates of service in question. I also requested a detailed summarized bill, and an insurance denial letter. I have always had insurance and I am not sure why this service if this bill belongs to me was not covered. This company provided me with a bootleg statement on their letterhead which is not sufficient. This company has a legal obligation to provide the requested documentation. I am tired of sending letters wasting money for the to send me the same XXXX over and over. If this matter is not resolved I will sue for damages as this account is hindering getting me the credit I deserve as I have no other accounts reporting negatively but this one. Im sure this company is used to manipulating consumers but I assure one thing you will NOT do such a thing to me. Provide the proper documentation or delete this account or be SUED!
03/21/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07731	Web
This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. The name, address, and phone # of the original creditor, since you are a third party collection agency. Proof that you are authorized to collect this debt on behalf of the original creditor. A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.
05/13/2022	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33179	Web
A company by the name of ARS Account Resolution Services has tried to falsely attempt to collect a debt on medical debts in amounts that are inaccurate and not owed. I personally contacted my insurance provider XXXX and pulled up all the claims via the online portal and spoke with a representative named XXXX ; He reassured me that these debts were in fact paid and that the amounts ARS were trying to collect on behalf of a medical service provider were indeed a result of error or negligence. I contacted ARS via telephone today XXXX, XXXX, XXXX at approximately XXXX est and spoke with a rep by the name of XXXX and I explained to her the situation and that I wanted the debt to be removed from my credit report under consumer law 15 U.S. Code 1692e ( 2 ) ( A ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. I have been disputing these debts since XXXX and it's really been an emotional strain on me and I want these resolved immediately!
03/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33161	Web
Strictly for XXXX XXXX XXXX, XXXX, XXXX, XXXX. PLEASE REMOVE ANY OTHER ADDRESS LISTED OTHER THAN THE LISTED ADDRESS THANK YOU. Here is a final letter and the final attempt to reach out to you. I would like for you to know that all letters and conversations between us have been previously recorded. I have sent in previous certified letter since XX/XX/XXXX and I havent gotten a response on my case. Your company has violated my rights within The Fair Credit Reporting Act within sections 609, 611, 612, 623, and several others. I am seeking a total of {$3000.00} for damages and the detriment to my personal credit file. Your company is reporting erroneous information and I am unaware of it. This is the final good will letter and will contact the attorney generals office in Florida, make sure your company is placed on public records file. If you think that youre going to get away with this you are wrong and I know all of my rights. I asked for several documents in XX/XX/XXXX of last year. I asked for original contracts with my signature, by law if you didnt respond within 30 days the erroneous accounts listed were to be removed and you continuously report it. XXXX XXXX XXXX THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
07/29/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23224	Web
I received a letter from Healthcare Recovery Group ( HRRG ) dated XX/XX/2019 stating that they're collecting the debt of a balance of {$1100.00} owed. Now, I didn't receive the letter until XX/XX/2019 so after reading the letter I immediately wrote a debt dispute letter. I mailed the debt dispute letter certified XX/XX/2019 and they picked it up XX/XX/2019 and part of the letter I wrote I goes like this " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to 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. '' From them receiving my letter on XX/XX/2019 on up until XX/XX/2019 I am still receiving phone calls everyday multiple times a day and yet still no validation. From my understanding, by law they're supposed to stop all debt collecting activities once a dispute is in place until it's validated or it will be considered harassment.
08/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 322XX	Web
RE : Cease and Desist ARS ACCOUNT RESOLUTIONS currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraduently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verfiication of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presense of such an officer whereby one swears to the truth of the statements in the document " XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. ) ''. I also demand proof that this corporation provides proof that I signed a contract with them. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follws : Acct : XXXX original creditor XXXX XXXX XXXX XXXX- within 30 days from receipt of this notice.
05/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33141	Web
ou are in direct violation of several sections of 15 USC 1681. Your agency has taken upon itself to report an erroneous accounts/inquiries on my credit report, which violates the same laws youre suppose to uphold. You are in clear violation of 15 USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( b ) ( 2 ). Pursuant to 15.USC.1681. ( a ) ( 4 ) you must respect a consumers right to privacy. You have violated 15.USC.1681. ( a ) ( 4 ) by violating my right to privacy by not receiving authorization or permissible purpose according to 15 U.S. Code 1681b.2. ( a ) In General - Subject to subsection ( c XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. Therefore, I am demanding that the following accounts be removed from my credit report immediately. Failure do to so will result in litigation pursuant to 15 USC 1681 ( N ) -Civil Liability for willful noncompliance and 15 USC 1681 ( O ) Civil Liability for Negligent Non Compliance. I demand that you remove the following accounts : XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/2017 AMOUNT {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$62.00}
03/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85395	Web	Servicemember
Good Afternoon, My name is XXXX XXXX and I have a medical debt ( {$2300.00} ) that my insurance company ( XXXX ) already paid. If you would like to talk to them about it, please call them at XXXX. This debt has been sent to debt collections, even though I communicated with the XXXX XXXX folks about 20 times over the last now 3 years and sent them the contact info for my insurance company. XXXX told me the hospital was trying to double bill me. I complained about this last year, as well to you all. I was in a car accident that cops determined was the other driver 's fault. I went to the hospital to get imaging done for my neck. The other driver 's insurance company promised to pay all medical debts. My XXXX was paying the debts up front and billing the other insurance company ( progressive ) for compensation. Unfortunately, I am still dealing with this and feel I am being harassed. I have tried calling the debt collection agency ( Healthcare Revenue Recovery Group - HRRG ) and they never pick up the phone. Please help me! A new billing letter was sent to me on XXXX XXXX, but I did not receive it until a couple days ago. I am stationed on XXXX XXXX in AZ right now and can be reached at XXXX. Thank you for your time.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 130XX	Web	Servicemember
I have noticed inaccurate information that may violate 42 U.S. Code 1320d-6 as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you accurately validate the alleged debt. I am unaware of the collection account referenced above. To be clear THIS IS A REQUEST FOR VALIDATION made pursuant to 15 U.S.C 1692g et seq. of the FDCPA. 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 for the release of my medical information to any third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold : Validation of debt and HIPAA authorization. Please contact XXXX XXXX XXXXARS to furnish a breakdown of fees including any collections costs and original medical charges. XXXX XXXX XXXXARS should also provide a copy of my signature with the provider of service ( s ) granting authorization to release my medical information to any third parties. Cease any credit bureau reporting until the debt has been validated as 100 % accurate.
07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34208	Web
I went to the emergency at XXXX hospital for XXXX XXXX XXXX XXXX at the time, even through I got insurance and The doctor even touch me, it just let 's me know you can go to see your primary doctor. I thought I was receive two or three bills from them and after I usually receive a lot call by different phone number who tries to make my life miserable until when I go to credit XXXX this week I saw two different bill but there is one I know {$370.00} and the other one {$120.00} I do not have too idea about it. I got a credit card from XXXX XXXX it was closed, when I receive a letter by XXXX XXXX XXXX said I have too much inactivity on this account, current or past delinquency, derogatory public record ( s ) and /or collection account ( s ) Utilization of your credit is too high an make my credit score very low like XXXX. I thought this is injustice and prejudice not because you are receive the letter from the hospital you have to do that because for XXXX dollars to make me lost everything. This is an act criminal at this pandemic virus that the time you chose to do that to me. Not only you make me on crisis with my family that mean you are closing all the opportunity I have and you close all the door for me.
10/17/2019	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OK 73135	Web
Am current on all medical provider bills, hospital bills, ER visits. Out of the blue ( XX/XX/2019 ) started receiving daily or more frequently automated phone calls with generic voice recording stating that I owe an unspecified amount of money. 1 hard copy letter came in mail, from HRRG ( Healthcare Revenue Recovery Group ) stating I owe {$210.00}, but provided no substantiation for this. Phoned my healthcare and insurance billing ( for both offices visits and hospital services 2 different billing offices ). My accounts show no outstanding amounts for anything, including emergency medicine. The amount HRRG is claiming is owed is fairly close to an amount ( grouped into a long list of other charges ) that was paid ( co-pay ) 6 months ago. Also, none of my providers, billing offices, or insurance can locate this so-called delinquent amount. I was, in fact, told to ignore it. I believe, given their poor reputation and high number of complaints ( e.g, bogus, scam ) that HRRG ( Healthcare Revenue Recovery Group ) is knowingly trying to scam money from me. They leave automated messages daily, from many different numbers. ( Ive blocked quite a few numbers at this point. ) I believe they are spoofing phone numbers.
12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77406	Web
To whom it may concern I and writing in request that action take place on these accounts reporting negatively on my credit report. I have requested that my personal information be updated. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. Acct. XXXX XXXX XXXX XXXX late 30 days XXXX Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX questionable Acct. XXXX XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX questionable Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX XXXX inaccurate Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX Original Creditors incomplete information Acct. XXXX XXXX XXXX not mine Acct. XXXXXXXX XXXX inaccurate Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
08/26/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33433	Web
A company called XXXX debt collectors has repeatedly called me stating that I owe money to a doctor I saw in the hospital. I tried to look up where this doctor practices since I have never once received a bill from there office. I tried to reach out to the hospital I was seen at to see if they had the offices information. They number they had on file was for a practice that he does not work at. I tried to look online and it states that the office he works out of it Permanently closed. I told the representative from the collection agency that I have never received a bill from the doctor of them. I asked for information on the doctors office so that I could reach out to them but they stated that they dont have any of this information. They were very rude on the phone and kept talking over me. They repeatedly call Atleast once a day. I finally picked up about a week later and I got the same answers and the same attitude from another employee. I work in a XXXX XXXX doing XXXX and I know how it works, if a XXXX calls and asks for the XXXX information they are more than willing to give that information out. As well, when I look up the collection agency all the results are stating that this is a scam.
07/12/2017	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	GA 30087	Web
since XXXX 2017 I been trying to get ARS ( Account Resolution Services ) to verify a {$8500.00} debt. As well as XXXX XXXX XXXX for {$7300.00} They have failed to verify and validate and instead had all 3 credit bureaus updated ( reaged which is illegal ) as verified but where is the verification and validation? I have not entered a contract with this company to collect for the hospital they are representing. Upon further investigation I discovered that The Texas Secretary of State maintains a Debt Collector Search that lists all debt collectors who have ever applied for a surety bond. After performing such search I have confirmed that the debt collector that has contacted me does not have an active surety bond, which means they are illegally attempting to collect debt in Texas. I move to cease collections. also I advise the debt collection agency that I intend to file a complaint with the Texas Attorney General if they fail to comply with my request. While the collection company may escape Texas civil penalties in this particular case, their violation may impede their ability to collect debt in Texas in the future because of a denied surety bond application, costing their business untold revenue.
07/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33409	Web
On XX/XX/2020, I visited the XXXX XXXX XXXX XXXX XXXX emergency room in XXXX XXXX XXXX, FL, and was treated by ER doctor XXXX XXXX. Some short time after my visit, I received a bill of just under {$700.00} from the hospital, for which I set up an online automatic payment, and have been paying ever since. About a month or so ago, I started getting daily phone calls from a company called HRRG XXXX, saying I owed {$310.00} from a medical service received on XX/XX/2020. I told them I have already set up online automatic payments directly with the hospital, and that I have not received any additional bills from them. They stated that this bill is not for the hospital itself, but for the services rendered by the doctor himself. I asked them to please send me something in writing, which they did. The letter says that company attempting to collect the money through HRRG is called XXXX XXXX XXXX, which I have never heard of, and they gave me a reference # XXXX and account # XXXX. I also have an HRRG XXXX pin # XXXX. I googled XXXX XXXX XXXX and everything is pointing to a scam. A few other people online have posted comments with similar issues to this, and how this has affected their credit score.
02/05/2019	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 XXXXX	Web
XXXX case XXXX CFPB You XXXX responded { I quote } that you are not required to have a contract with a consumer. I request the contract that you XXXX claim to have with alleged XXXX XXXX XXXX Hospital and my self services claimed provided in complete detail of service, a copies as to where I agreed to these services [ My signature on each alleged account approving of service.You XXXX stated I quote { we are not required to have a contract with the consumer I request a Copy of your contract with XXXX XXXX XXXX Hospital. I need all the enclosed documentation in detail for my investigation to possibly file a fraud case. You XXXX Subrogated yourself on to or into a contract as a third party not being on the alleged original contract. I want that contract not letter stating it was bought, traded, sold, given, to you by XXXX XXXX XXXX Hospital to you. You XXXX should have the alleged original contract with myself, XXXX XXXX XXXX and your XXXX on that contract. If you are not on this alleged contract You XXXX have no right to substitute { subrogate on to or in to a contract, A third party collector not on alleged orginal contract between a consumer and creditor can not claim that anyone owes them money
06/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Actually both XXXX and XXXX has removed them from their database due to several inaccuracies with this account, and yet I'm still waiting for XXXX to remove it. In a good faith effort to resolve the matter amicably, I must demand proof of this 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 correct any erroneous reports of this past debt as mine. I am writing to request that you please provide 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33150	Web
In accordance with the fair credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The XXXX account ARS ACCOUNT RESOLUTION S account number XXXX date opened XX/XX/XXXX balance {$1600.00} and XXXX XXXX account number XXXX date opened XX/XX/XXXX balance {$1200.00} has violated my rights. 15 USC 1681 section 602 A. 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 an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any customer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 s-2 ( a ) ( 1 ) 15 USC 1681 c ( a ) ( 5 ) 15 USC 1681 section 602 A 15 USC 1681 section 604 A section 2.
02/24/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 554XX	Web
on about XXXX I noticed that there was a collection account on my credit report : Account Resolution Services ( ARS ) on my XXXX and XXXX credit report. I called XXXX and reported that this account was not my account and that I never conducted any business with ARS, and that ARS should be removed from my account. To my surprise XXXX removed ARS off of my credit report. XXXX I sent a Certified letter to XXXX and ARS at XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX asking ARS to validate that we had any contractual agreement, or that I did any business with ARS. I have yet to receive a response from Account Resolution Services. About a week later ARS was back on my credit report. I called XXXX and reported that ARS was back on my credit report, this time XXXX did not remove ARS off of my credit report and told me that they could not remove ARS as of before. I also sent certified letter to XXXX on XXXX Disputing Account Resolution Services. I called XXXX and requested that ARS be removed from my credit report and that ARS actions are having a negative impact to my financial livelihood. Due to the erroneous actions of ARS I am unable to obtain loans and I am unable to refinance my property.
11/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	LA 707XX	Web
On XXXX/XXXX/XXXX I requested proper validation and verification or removal of this account. Please note : I am requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence that I have a legal obligation to pay you. Please provide the following : Detail of what the money you say I owe is for How the amount you claim owed was calculated Verify that the legal statute of limitations is still in effect Copy of your agreement with the original creditor Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) Provided a copy of any judgment you have received, if applicable Identify the original creditor Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent Please ACT IMMEDIATELY as I am sure you are aware that reporting invalidated information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue your collection issues.
10/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 071XX	Web
XXXX XXXX # XXXX, XXXX XXXX # XXXX, and ARS Account Resolution # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/2022 and I am yet to get a response Regarding this debt from XXXX XXXX ARS Account Resolution, and XXXX XXXX The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
09/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43231	Web
I have reviewed my Credit report and found several account unrecognized items from your office ARS # XXXX. I don't remember doing any business or having having a contract for services.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, ARS 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 ) ARS 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 ARS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ARS 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.ARS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
06/18/2015	No	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	NY 14206	Web
HRRG collections contacted me about XXXX medical bills they say I owe XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. I asked them to send me the statements since my I was insured and the bills exceeded my max insurance deductible. I still have n't received anything in the mail. the other day outsource contacted me about the same dates. saying I owe {$1300.00} and HRRG is saying I owe {$2500.00}. HRRG then called me today saying what I owe and when I asked why there was difference the woman got hostel and started yelling at me then I asked for the medical bill so I can take it to my insurance company and ask why I did n't get notified and why it exceeds my deductible. and the woman starts yelling at me and saying that sent this last year she was screaming something I need to contact someone else about and the company I do n't know she was yelling at me so much I did n't understand. I just want proof of what I owe and why. Not to be treated like a child and screamed at. both companies are claiming there collecting for the hospital. and when I to the HRRG lady this she said she mistaken she was collecting for the doctors not the hospital. at that point i hung up just seemed like a scam.
04/24/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 774XX	Web
In review of my XXXX credit report on XX/XX/, I noticed a " collection '' account being reported by a company by the name of ARS Account Resolution. I do not know who this company is and why they have placed a collection on my credit file. I'm requesting that they " Validate '' this debt by providing me with the following : * Provide me with a copy of my HIPPA release from the medical creditor that releases my medical information to you, therefore by providing such information they are in violation of my HIPPA rights. * Contract : provide me with a contract agreement between ARS ACCOUNT RESOLUTION and XXXX XXXX, bearing my signature agreeing to any extension of credit, etc. * Delinquency : the first date of delinquency in accordance with FCRA sec 623 ( a ) ( 5 ) ( a ) ( b ). * Original documents to show details of charges A summary of all account activities, including all payments made, late charges, interest, dates of payments received, date of payments posted, charges made and date of charges posted. Please do not provide me with a " Verification '' of debt, but Validation within the guidelines of the Fair Debt Collection Practice Act 15 USC 1692g ( a ) ( 1-5 ) ( b ).
02/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 015XX	Web
ARS Account Resolution is a debt collector attempting to collect upon a fraudulent account. In XX/XX/XXXX they reported this debt to the credit bureaus. No notice was given of purchase. No notice was given of my consumer rights in violation of the FDCPA and FCRA. XX/XX/XXXX I sent them a 93A Demand Notice via certified mail requesting validation of their claim and immediate removal of the account from my credit report. Under " Massachusetts General Laws 209 CMR 18.17 : Unfair Practices : A debt collector may not use unconscionable means to collect or attempt to collect any debt ... ( 11 ) For a debt collector to report to a consumer agency on its transactions or experiences with a debtor in the debt collector 's name. '' They failed to reply whatsoever. I disputed this account with the bureaus. ARS claimed validation yet none was received in violation of the FCRA. In XX/XX/XXXX I sent them a second 93A Demand notice via certified mail. They failed to reply again. In XX/XX/XXXX I sent a third and final 93A Demand notice via certified mail. Again no reply. I am asking for immediate removal of this account from my credit reports and investigation into this company for fraud.
04/19/2018	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	GA 30016	Web
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Account # Balances of XXXX and XXXX are unverified by this company To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. { Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
05/04/2017	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	OK 74011	Web
This is a medical account to my XXXX , XXXX XXXX XXXX , XXXX . The account was paid to his office at XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX , OK, on or about XXXX XXXX , XXXX . This account was originally with XXXX XXXX XXXX , XXXX , OK. The complete file, cancelled checks, and educational materials on correct claims filing were presented in person at their office downtown on XXXX XXXX XXXX At that time, it was agreed by all parties that this case in its entirety was closed and satisfied per contract on all parts. Now, this account keeps reappearing at various times on various credit reporting agencies both national and local. This is a gross violation of the Fair Credit Reporting Act and I have also advised these agencies repeatedly. I expect justice to be carried out, I expect these to be removed from my credit report permanently, and I expect punishment to the full extent of the law to these agencies for repeatedly violating the Fair Credit Reporting Act and my personal rights. I also expect my credit reports to be completely and forever expunged of these items as they have been satisfied for more than three years.
12/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 338XX	Web
I requested verification of this debt from this collection agency all they did was send me another collection letter stating that I owe them {$1100.00} This company put a collection on all 3 of my credit reports without verifying or proving that I owe this debt. This company has failed to send me any documents stating that I Owe this debt. Its not a surprise that ARS has an F rating with the XXXX XXXX XXXX because their a company that's practicing illegal practices. If I did Owe anything it was never to Account Resolution Services! I never had a contractual agreement with this company. Collection Agencies buy debt as an investment which is Unjust Enrichment. If This is my debt please Validate that this is indeed my Debt Show me proper documents proving that I Owe Account Resolution Services {$1100.00}. Account Resolution Services are denying Me and millions of other consumers validation of debt requests. ARS are in Violation of Fair Debt Collection Practices Act. The FDCPA supports my right to demand a Validation of debt, Documentary proof that I owe exactly what ARS is claiming i owe. Please delete this inaccurate misleading collection off of all 3 of my credit reports.
08/27/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34208	Web
I had two visits to two separate hospitals in XXXX 2017. Both owned by XXXX XXXX XXXX. Both use the same debt, and collections agency, XXXX. I was approved for a financial assistance program for my first hospital visit ( XXXX XXXX XXXX ), making that visit cost nothing. This assistance program also covered the ER visit to the XXXX XXXX ( XXXX XXXX XXXX XXXX ), however not the Dr 's bill, which I was given a letter totalling XXXX. Approximately 1 month later, I was given another letter stating that I now owed XXXX, due to the company stating that the " Dr. From the first hospital decided not to go through the financial assistance program '' and I was now required to pay an extra {$600.00} From the first visit, which was already taken care of months prior. After asking to speak to a supervisor, the rep on the phone kept asking why, and would not put me through to one. I then told them I would have to look into this myself. I have not contacted them since. I am an employee in the XXXX XXXX at the first hospital I was seen at, and have spoken with the provider I had on that visit. He himself has stated that he has never said any such thing about reneging on this bill.
06/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, ARS ACCOUNT RESOLUTION. I did not open or authorize the accounts that you report a balance of {$1700.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
05/31/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	TX 76039	Web
ARS ACCOUNT RESOLUTION Account XXXX Information on this item has been updated. Please review your report for the details. Hide Details After Before ARS ACCOUNT RESOLUTION S Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$660.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX $ 0 Monthly Payment {$660.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$660.00} Balance Updated XX/XX/XXXX This is a bill when i was involved in a car wreck all parties and my attorney involved in this was suppose to have this resolve have try numerous times contacting them This was not left up to my debt i have explain and talk to this bill collector they constantly gives me the run around and in direct numerous my attorney also should have reach out to them but they constantly reports it after speaking with XXXX she said due to privacy she couldnt provide her badge information that it should not be reporting after 2 years its still reporting to my credit as i owe they should have received they money from the other parties involved in the auto mobile accident
11/10/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33407	Web
I received notice that you verified certain items on my credit report from the following companies. 1. Ars Account resolution Please tell me how you did that. Who did you talk to at the original grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Dont provide the generic response of how you use various methods. Tellme exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will these trade lines be past the reporting timeframe? Dont provide the generic 7 years response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So which is it? Supply your response within 15 days or delete the trade lines Best regards XXXX XXXX
07/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33023	Web
Previous complaint number XXXX. In response to your answer : ARS, Account Resolution Services is a third party debt collector. We are not a billing agency. We do not have the explanation of benefits from the consumer 's carrier, nor are we required to possess that documentation. The consumer does not need an explanation of benefits to inquired as to the processing of the claims in question. The consumer can contact their carrier, provide the dates of service in question, and the carrier can advise the consumer of the claim status. My response to you is that I contacted my insurance carrier and I was told that in order for them to know what bills I am claiming to be in collection, they need to get an invoice from the medical billing department. Obviously I do n't have a bill because I never got one because I provided my insurance information, so the insurance carrier ca n't check if they paid it or denied the claim, if I do n't send them the bill, this is all you need to get from the hospital. Then they look at the invoice dates the medical provider sent them and they will be able to find in their system the bills in question, what was paid and what was not.
12/27/2018	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	WA 99352	Web
I got repeated calls from a company that only identified themselves as " XXXX '' wanting to discuss a personal issue with me, but before they would discuss it I would have to provide personal identifying information such as a birth date. I refused on the grounds I do not give out such information to strangers on the phone and hung up. These calls persisted and they would never tell me what it was about. At some point I discovered XXXX was a debt collector and called them. I instructed them that pursuant to the Fair Debt Collection Practices Act, XXXX was to ONLY contact me by mail in writing and not to call under ANY circumstances.. They never contacted me by mail, but continued to call, contrary to my recorded instructions. On XX/XX/XXXX I again called XXXX and repeated my instructions, pursuant to the Fair Debt Collection Practices Act, to contact me by mail. I did not receive any mailings, so I called XXXX today, XX/XX/XXXX, and asked if they had mailed me anything. The answer was NO, even tho they had promised to do so on XX/XX/XXXX. XXXX is violating the Fair Debt Collection Practices Act by repeatedly calling me after being instructed not to do so.
09/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33324	Web
While checking my credit report I noticed three collections by a company called ARS that i was unfamiliar with. I disputed these collections with XXXX, and XXXX and they both replied that they contacted the creditor and the creditor verified the debt so I asked for proof which both bureaus replied that they are not required to prove anything. I then mailed a certified letter to ARS requesting proof of the debts n the form of an original aggrement, or a proof of a right to the debt, or even so much as the process as to how the bill was calculated, to which I was simply replied a letter for each collection claim that listed my name an account number and an amount with no other information to verify the debts after I sent a clear notice to provide me evidence. Afterwards I recontacted both XXXX, and XXXX, to redispute on the premise that it is not my debt if evidence can not be drawn up, I feel as if I am being personally victimized by ARS on my credit report for debts that are not owed to them or any party for that matter, and I feel discouraged that the credit bureaus who control many aspects of my personal finances are so negligent about my information.
01/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73109	Web
account resolution services is reporting 4 different accounts on XXXX and XXXX that I do not owe. first account is for {$720.00}. opened XX/XX/XXXX, I disputed this account with them and they yet have sent any validation to this account. such as an agreement that would have my signature and a photo copy of my ID. second account is being reported for {$480.00} opened XX/XX/XXXX XXXX again disputed they have not sent no validation such as a signed agreement and copy of ID. Third account {$190.00} opened date XX/XX/XXXX XXXX no validation with this account. forth account {$510.00}. opened XX/XX/XXXX they have not validated this account. I have disputed all four of these accounts and they continue to report these accounts with out proving that these are my accounts, they are oppressing my credit report in an attempt to force me to pay which is not mine. since they have not provide any proof I will be force to file a fraud affidavit against account resolution services upon they out come of this investigation. they are in possession of my personal information with out justify why they have it and are using it to force me to pay what I believe I don't owe.
11/13/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 73127	Web
I have asked XXXX to validate the debt they are trying to collect on, find attach what they send me every time I request validation I have ask them to send me the contact information to the original creditor, I have ask that they send me a contract with my signature, in which case I have received neither of what I have requested, I do receive that they have verified with there client and I need to pay. These letters they send does not meet validation required by the fair credit reporting act, this is the same information they send to the credit bureaus. so not only is XXXX is in violation of FCRA so is XXXX. on top of not validating these accounts, there showing that I have owed {$80.00} as of XX/XX/XXXX, but in there letter they are stating the service date is XX/XX/XXXX which is re ageing this unvalidate debt, which again is a violation of FCRA, The other account is reported as in debt as of XX/XX/XXXX, in there letter they state {$480.00} service date of XX/XX/XXXX again re aging a debt. find there letter if they would like to see all letter which are same sent to me but different dates, there has not been no proof sent that these are my accounts.
08/05/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 32771	Web
I had complained in the past, case number XXXX. This company, without giving nay proof, gave statement to you guys to get the case closed. As per their statement, I never received any document. You should ask them to send you guys their documents and attached it here in this complaint. This was company 's response, but never Any Document was received by me. They need to send the Document to you guys. The client they are claiming, I had contacted them, they didn't have any past due record. " Company 's Response We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX XXXX and XXXX, is a provider of emergency room physician services at XXXX XXXX XXXX XXXX XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$1400.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer 's minor child on XX/XX/XXXX. We have verified with our client that he information being reported is accurate, and have reported the account as in dispute with the credit bureaus. We have requested that validation of the debt be mailed to the consumer. '' Need to be stopped.
03/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web
When reviewing my credit report from all 3 major bureaus last year in XX/XX/XXXXI noticed 3 collection accounts for medical bills that I had no knowledge of. I asked all 3 bureaus to remove them, The only bureau XXXX after investigating was kind enough to remove the item. I am in the process of applying for a mortgage and this is a problem in being approved by a lender. The collection Agency information is listed below. XXXX XXXX XXXX XXXX They show 2 addresses On the letter head is XXXX XXXX XXXX XXXX, Ohio XXXX The envelope XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX I am enclosing documents showing how I have attempted since XX/XX/XXXX to obtain any information on this alleged debt and all I get is a piece of paper with 3 amounts and no documentation. XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter to XXXX regarding identity fraud XX/XX/XXXX - Letter to XXXX XX/XX/XXXX - Letter from XXXX to me with no detailed information As you can see I have asked for information regarding these debts which are not mine numerous times.They should be removed from my credit reports. Thank you
12/29/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CO 80920	Web
ARS Account Resolution Services our of XXXX and XXXX is trying to collect on a Medical Debt that they refuse to validate for me. I have asked them and emailed them several times to supply me with the original signed document stating that I requested medical services. Going one step further since this is a medical debt I have asked for the signed HIPAA release form stating that I gave permission to the doctors to share or disclose any of my medical file which includes but not limited to Name, Address, Social Security number, Medical XXXX and even billing amounts. All this information is to be protected under HIPAA and this company is in direct violation of that. I also call them and tell them that I am going to record my call, and they hang up on me. I do this for my protection. They also tell me they do not have on record the original creditor or doctors name or number for me to call myself to verify this debt. But ARS will send me a letter stating that they have confirmed this debt which is impossible. They have put this on my Credit Reports as well without following proper collection procedures and ignoring my requests for physical verification.
01/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 19007	Web
I submitted a dispute with XXXX over two medical debts listed by XXXX XXXX. One, in the amount of XXXX has been removed from my credit report on XX/XX/XXXX, the other for XXXX hasn't yet been removed. The dispute says it's still being investigated but they are debts to the same medical practice, so both should have been removed, the dates of service are one month apart. The practice that reported the debts is located in New Jersey and medical debts are removed after five years. Also, my credit score should have gone up by XXXX points due to the removal of one collection debt but it has actually been lowered by XXXX points. No other issues can be attributed to the lower score. In XXXX of XXXX, my XXXX score was approximately XXXX, when I paid off and paid down credit card debt my score dropped to approximately XXXX. It seems that no matter how I try, XXXX is not using an equal reporting scale as XXXX XXXX or XXXX. My score for those two agencies are in the XXXX. I have tried several times to find out how to get a fair score from XXXX, but not one customer service representative can help and will not connect me with someone who could.
01/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32789	Web
I was notified by a credit monitoring website that I had a medical debt that went into collections on and around XX/XX/. However I did not recognize the collection agency ( ARS Account Resolution ), the amount of XXXX, nor the original creditor XXXX XXXXXXXX XXXX XXXX XXXX. It was supposedly for an medical emergency service but I nor any family member went to the XXXXXXXX XXXX this past year. Furthermore, I do not recognize the supposed location where this medical emergency occurred. I was not surprise to find out XXXX XXXX XXXX XXXX XXXX did NOT produce a website page result in a XXXX search. Next when I went to inquiry and reach out to the ARS Account Resolution, it became apparent to me that this was a complete fraud and was simply an attempt to defraud money for services that were never rendered. I am now very concerned that my identity has been stolen as this person/persons had sensitive information. It is unfortunate that there are people out there attempting to fraudulently steal money from people who may be vulnerable to these types of schemes. Please advise as this has completely ruined my otherwise excellent credit score.
07/20/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL XXXXX	Web
I started receiving phone calls from HRRG on XX/XX/2020 and continue to receive calls on a weekly basis and sometime multiple times a week. An automated computer leaves a message to please call them. " These calls are an attempt to collect a debt. '' When I speak to them, they do not have my name or number in their system and do not know why I am getting the calls. As these calls continued, I called and asked to speak with a supervisor. Not surprisingly I was hung up on. The last time I spoke to the company on XX/XX/2020, I spoke with XXXX who identified himself as a supervisor. After I explained my situation with XXXX, he asked all the same questions of my name and number and assured me I was not in their system. He placed me on hold several times and returned to assure me he was working on getting to the bottom of what was going on. He then returned to the call to tell me everything should be taken care of. The calls continue to this day. To be clear I have no outstanding debt and owe this company nothing. They can not explain why they continue to call me. Whether this is a " computer glitch '' or not, they need to make it stop.
02/24/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 19114	Web
I received medical services that resulted in a hospital bill and physician bill. I was told by my insurance company at the time that I only owed the deductible and co-insurance, which I paid. XXXX XXXX XXXX XXXX Number : XXXX Member ID Number : XXXX XXXX described my benefits and how much I owed for the services. They covered 90 % of the bill & 10 % was my responsibility. They told me that I owed my deductible and co-insurance payment which totaled {$230.00}. Please see the attached paperwork confirming that I paid what my insurance company said I owed. Furthermore, my insurance company claims that they never received a bill for these services and required an itemized bill in order to make payment. Despite my efforts, it seems that this never happened, and I do not feel that I should suffer for something that was not my responsibility. These services were covered under my insurance and were n't my responsibility. I request that this account be deleted and removed from credit. I have done everything in my power to reconcile the charges that I was responsible for and do not intend paying charges that are not rightfully mine.
03/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 18045	Web
On XX/XX/2021 - ( 5 ) debt validation request letters were sent by certified mail to ARS Account Resolution Services because I believe my HIPAA rights were violated. The debt validation request letters specifically requested that ARS provide a 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 ARS, and to cease any credit bureau reporting until the debt was validated by me. First and foremost, ARS neglected to cease any credit bureau reporting. It took several weeks before a response was sent by ARS, but they continued to report to the credit bureaus completely neglecting my request. ARS sent 3 letters back to me with NONE of the information I requested in the 5 debt validation letters I sent by certified mail. The letters ARS sent only presented a bill identical to the bills they've sent in the past attempting to collect a debt. Within the letter, I stated clearly that withholding the information ARS received from any medical provider could be a violation of my rights, which they disregarded and neglected.
11/30/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 79928	Web
My wife had been receiving numerous calls from this number in the mornings but would leave a voicemail. She tried to reach back but they would not answer. She finally answered the call this morning. It was a lady claiming to be from Account Resolution Services. She asked my wife about information pertaining to my XXXX year old. She kept insisting on getting my XXXX year old 's birthdate but my wife was trying to see what the call was about before releasing any information. She kept demanding the birthdate and was rude about it and told her that she would notate that my wife was refusing service then hung up. I called the number which is XXXX. A lady answered but I don't know if it was the same lady. I told her they called my wife about it and asked what company she was calling from. She responded " ASR Account Resolution Services. '' I asked why they would be trying to contact my wife about my XXXX year old. She said that they might have an account with them and asked for my wife 's number. I asked what kind of account would a XXXX year old have. There was silence for about 5 seconds then hung up the phone. Very suspicous
08/11/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33404	Web
Despite Multiple written requests, the unverified Collections still remain on my credit report. It's my understanding that under the FCRA they have to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''? No one has provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). of the FCRA. Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). And Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' I have no idea who they are and I do not believe I owe this alleged medical debt. They are also reporting that I made payments on this account to XXXX? WHERE?! SHOW ME WHEN, HOW, WHERE! They have not provided Proof it belongs to me. And they continue to report this erroneous information.
10/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 331XX	Web
HRRG is a debt collection company who has been harassing me by mail and phone calls to pay a debt they claim I have with them by way of an XXXX who worked at the XXXX XXXX XXXX where I had my XXXX removed in XXXX 2022. After my visit at XXXX XXXX I quickly received a medical for the total procedure of my visit that included XXXX XXXX in the amount of {$7600.00}. The total bill was {$74000.00} from which I was required to pay {$2500.00} after adjustment. I paid this total bill by credit card on XX/XX/2022 and received confirmation by email. I then called the hospital a couple of weeks after and was told I didn't owe anything anymore and that my bill was " Paid in full ''. This conversation was recorded and I receive a letter shortly after to confirm. HRRG claims that I owe more than {$5000.00} for XXXX XXXX performed at XXXX XXXX for my XX/XX/2022 visit when this bill has already been paid in full. I request that HRRG stops contacting me once and for all as I am emotionally affected by their harassment and do not understand how they have access to my medical records. This is a violation of my hipaa rights.
05/16/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 086XX	Web
XXXX XXXX XXXX XXXX on XXXX XXXX , XXXX working for XXXX at XXXX XXXX XXXX , XXXX , NJ. I went to XXXX XXXX XXXX XXXX and received XXXX XXXX . I never saw a bill during that time, as my manager took me to the hospital and it was filed as Workman 's Compensation. I re call receiving one bill at my home a few months later, which I immediately took to XXXX and was told it would be taken care of. I never received any other bill or correspondence from either the hospital or eventually the collection company. I pulled my credit report on XXXX XXXX , XXXX in anticipation of beginning the home buying process. On it, there is a bill with a Accou nt Resolution Services , a collection agency, for {$810.00}, for my injury from XXXX XXXX . It was placed into collections on XXXX / XXXX / XXXX . Again, I never received any notice about the bill other tha t the one time noted above. I never received any notice that it was unpaid, would be placed in collections, o r any bills from the collection agency, nor did I ever heard that XXXX received any mail in my name on the matter.
07/27/2019	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IN 46324	Web
HHRG, a Medical debt collection agency, Has been continually harassing me daily. Its seems as if they three debt on which they are trying to collect on. HHRG isn't the original debtor and they do not have any of my signatures on the paper work. Instead of my signature it says " signature on file ''. I do not trust this company. Why would my signature be on file with them? They call me everyday from different numbers and leave a prerecorded voicemail every other day. The use of auto-dialing technology and the use of pre-recorded voicemails is illegal since it violates the TCPA and FCRA LAWS. I have verbally revoked their right to call me as I have not given them permission to call my personal cell phone. They sent a itemized bill XX/XX/XXXX and a final notice on XXXX XXXX but have not validated the debt or stopped trying to collect. HHRG 's final notice was derogatory and threating. I have 18 prerecorded voicemails saved on my phone which seems a bit extensive. I am in pursuit of recovering damages for their illegal debt collection practices. I have not been employed since XX/XX/XXXX due to a workman comp injury.
02/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and XXXXm the one who submitted a complaint on XX/XX/2022. This account ( ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. ( XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$710.00} ) ( XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} ) ( XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} ).
10/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77072	Web
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
06/11/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19320	Web
In XXXX of XXXX I was taken via ambulance to XXXX Hospital Subsequently i had numerous XXXX and was hospitalized until XXXX of XXXX. I had insurance which covered everything including the ambulance ride to the hospital. I received an invoice from XXXX XXXX XXXX XXXX Pa a few weeks later. I called my insurance company. They stated the above mentioned company incorrectly coded the billing, therefore it was rejected. I then contacted by telephone XXXX XXXX XXXX and notified them to rebill and correct the code. None of which was done. This credit account was subsequently sold to Account Resolution Services with an erroneous date of XX/XX/XXXX. I have disputed this medical invoice now for 5 years with no luck. Today i also filed a new claim with XXXX disputing the servicing dates. Account Resolution Services will not clarify or correct the dates of service/date of actual billing This account is now 8 years and 30 days on my account which is against FCRA Requirements. I would like this bad debt/medical debt to be removed from my credit report as it is the only negative remark on there. Sincerely XXXX XXXX
10/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34293	Web
The credit bureaus refused to provide their MOV ( Method of Verification ) for the XXXX Collection with ( ARS ACCOUNT RESOULUTION SERVICES ) listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account.
12/30/2019	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	FL 33015	Web
I originally submitted a dispute letter to XXXX dated XX/XX/2019, requesting validation for a collection from ARS and XXXX XXXX on my credit report. The letter was sent by certified mail/return receipt on XX/XX/2019, and delivered on XX/XX/2019, at XXXX XXXX. I NEVER received my dispute results! I only received a letter from XXXX directly dated XX/XX/2019, stating their client, XXXX XXXX XXXX, confirmed the outstanding balance without including any additional proof validating this debt belongs to me or that they own the debt. I followed up with another dispute dated XX/XX/2019, requesting XXXX XXXX method of verification for the two collections, ARS and XXXX XXXX, and a collection from XXXX XXXX, which I have disputed in the past. This letter was received by XXXX on XX/XX/2019, at XXXX XXXX. XXXX responded with a letter dated XX/XX/2019, verifying the XXXX XXXX collection as accurate, and another letter dated XX/XX/2019, stating they would not investigate the ARS and XXXX XXXX collections and FAILED to provide me once again with their method of verification procedures and validation of debt documents.
08/19/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33150	Web
Sent a Request to Validate Medical Debt. I requested two specific things 1. Please provide breakdown of fees including any collection costs and medical charges. 2. Provide a copy of my signature with the provider of service to release my medical information to you. 3. I request full documentation of what you received from the provider of service in connection with this alleged debt. This Debt Collector failed to answer the three questions listed above. Instead they sent a vague letter stating " ARS has verified this information with our client, and confirmed the outstanding balance of {$3300.00} '' The debt collector failed to provided breakdown of fees, medical services or treatment rendered, mover over they have failed to provide documentation that I gave permission for any medical or financial information to be provided to the current debt collector ( ARS ). I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. ARS has failed to Validate the Medical Debt. And they are in direct violation of HIPAA laws.
07/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43229	Web
XXXX XXXX XXXX # XXXXI have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection activesand provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim, I NEED SOME FORM OF DOCUMENTATION FOR MY REVIEW.
05/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85304	Web
I have obtained a bill for a date of XX/XX/19 for {$180.00} from ARS. I had advised ARS that this is a XXXX XXXX claim and my workers comp adjuster has reached out to them several times prior for the bill with no response. I had advised this company several times. They were extremely rude yelling on the phone advising they dont need to reach out to my XXXX XXXX claim. advised that it is against the law if they do not collect from the right source. Also advised them they had reported it on my credit and they need to remove it from my credit as it is against the law especially for a XXXX XXXX claim. The representative advised they will not do that. I had advised that i can file suite if they do not remove from credit as i have tried several times to give them the sources to collect debt from the correct party and they refuse to take the information, the representative had hung up on me each time I called. I had called and left messages for supervisors with no response. I need this to be removed from my credit as well as the agency to reach out to XXXX XXXX as my adjuster had been waiting for the bill.
06/10/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30097	Web
Contacted a representative on XX/XX/XXXX regarding a letter received about a bill previously paid more than 2.5 years earlier. Informed rep bill from XX/XX/XXXX was paid in full on XX/XX/XXXX, confirmed by their records. Asked for explanation why adjustment was made on account that created new balance as of XX/XX/XXXX. Rep could not explain, advised to contact insurance. I stated wanted to dispute balance while reviewing with insurance, rep said to send letter but I declined as the letter received stated could call to dispute. Rep stated she would note file, then Rep disconnected call. Received new letter and contacted again on XX/XX/XXXX. Reviewed entire situation again with " XXXX ''. She advised I would need to send EOB showing balance paid, after I asked for explanation why there is a balance after it was paid 2.5 years ago. She could not answer, became patronizing, then hung up the call without providing requested information. HRRG continues to call daily despite efforts to inform them this is an administrative issue where I have the documentation that the bill was paid over 2 years ago.
05/18/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77045	Web
ARS Account Resolution does not have a bond in Texas and can not legally collect a debt. They are violating the law and are completely disregarding the Fair Debt Collection Practices Act. This is my second complaint regarding this matter. ARS claimed to be a part of XXXX XXXX XXXX XXXX XXXX , although the Texa s Secretary of State does not have this information on file, which means that this company is using dishonesty as a scare tactic. Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapte r 392 and may also be a criminal offense. Tex. Fin. Code 392.402. I am in the process of filing a complaint with the BBB and the FTC for ARS Account Resolution 's BLATANT criminal behavior and underhanded attempts to try and break the law. ARS is not LEGALLY able to collect any debt in TEXAS as ARS does NOT have a surety b ond, SO THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY or I will have to move forward with legal matters for ARS 's failure to validate the debt, attempt at illegally collecting debt, and violation of HIPPA laws.
11/16/2020	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	IL 62226	Web
I have several collection accounts on my file from a collection agency named Account Resolution Services i sent a written request via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all 2020 requesting debt validation of these accounts and the above company failed to respond. Also this company is not licensed to collect in my state i have called several times and requested the company license number to look up the company all they do is transfer me to a supervisor that never answers or return my calls after leaving messages. Please be advised that i am disputing these collections due to the fact that the collection agency account resolution services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX does not currently have a valid license in illinois to collect on debts. According to the illinois department of financial and professional regulation i am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that ARS are licensed to collect debt in illinois. Your immediate response will be greatly appreciated.
08/24/2016	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	NC 273XX	Web
Hello I recieved a letter several times telling me there a collection agency looking for me too pay {$150.00} from a past medical bill when i was playing hockey in Indiana. The company is HRRG in XXXX XXXX Florida. my acct number with them is XXXX and bill is from emergency prof of Indiana. My dad made arrangement with them to pay the balance. He then stopped that payment because this company i believe illegally put this debt on my credit report, and also same exact on my dads credit report. My dad has the health insurance and i 'm a dependent. When i went to dr i was told i wont be seen unless my social security number was put on paperwork, me being XXXX i did it and now i 'm having negative credit on my credit report when it was perfect. They have been calling and i was told " you know this is yours so pay it and we can close out the file. On another occassion i was told it ca n't be held much longer and that it will go to our legal department where it will cost you more in fees. How can i have this removed from my credit file. I do n't want to be harassed anymore. Thank you XXXX XXXX
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.
10/09/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33009	Web
This is a follow up to my previous complaint regarding ARS Account Resolution 's ( ARS ) reporting of a medical bill on my credit reports. I have sent several disputes and requests for validation to ARS and the credit bureaus. However, ARS has failed to validate the debt, and stated in their response to my prior complaint that they are not obligated to send a signature or detailed statement. However, section 809 ( a ) ( 4 ) of the Federal Debt Collection Practices Act states that if the consumer notifies the debt collector that the debt is disputed, 'the debt collector will obtain verification of the debt or a copy of the judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector '. The same is re-stated in section ( b ) of the statute under the heading " disputed debts. '' Therefore, it is not enough for the debt collector to verify the debt themselves, they must also provide a copy of that verification to the consumer. Since ARS has not provided a copy of said verification, they can not continue to report this debt.
02/28/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	LA 70815	Web	Older American, Servicemember
I am a XXXX XXXX with a set income ; assigned to XXXX XXXX XXXX. I was assigned to XXXX XXXX XXXX for treatment by XXXX XXXX. All procedures were approved prior to treatment. Each doctor 's office were contacted prior to the schedule procedures the dates were set from the doctors ' office. Written authorization were issued by XXXX XXXX. I presented the papers at each visit for XXXX I stressed '' do not file with any other insurance but XXXX '' .I was ignored ; XXXX XXXX XXXX then filed the procedure with Medicare first not XXXX. Medicare denied the charges. I don't know if the charges were ever filed with XXXX. I have been turned over to the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX. ) for none payment instead.Each time I have been contacted I informed them that the procedures were filed with the wrong insurance. I have not been contacted to say that the charges were ever filed with the right insurance company by XXXX XXXX XXXX XXXX nor by the Collection agency. If I make any payment then I will not be reimbursed. I do not think the charges have ever been file at XXXX XXXX.
09/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85388	Web
XX/XX/2022 I submitted a dispute to all 3 credit bureaus concerning an inaccurate account that I discovered appearing on my credit report. ARS Reference # XXXX I also sent a direct dispute to ARS please see their attached response which is insufficent and violates the FCRA and FDCPA. I Sent a second letter to ARS on XXXX XXXX requesting deletion ARS verified this account with the credit bureaus. This inaccurate derogatory information is preventing me from closing on my pending home loan. ARS is fully aware that I do not owe any such debt yet they continue to pursue me. I was a victim of a crime in which I sustained physical injuries. I was treated at a hospital in Texas while visiting relatives. I sent ARS a copy of the police report and instructed them to have their client submit a claim to the victim restitution fund. I recently sent a copy of all this information to the hospital in hopes they will rescind this account from ARS.I will be pursuing legal action for damages against both ARS and the hospital if this matter is not immediately resolved and purged off my credit reports.
08/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 782XX	Web
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under ARS Account Resolution. I requested a validation on XX/XX/2019 as there were multiple accounts listed that I did not recognize as I have always had insurance/Medicaid that fully covers my medical and the accounts are not under my complete legal name. On XX/XX/2019 I reviewed my credit profile again as ARS Account Resolution had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the accounts are still reflecting on my report and I do not believe the accounts belong to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on these accounts and these accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that these account belong to me and that all information including my legal name are correct.
05/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
RE # XXXX Acct # XXXX This is a fraudulent medical bill put on my credit report. On XX/XX/XXXX, I faxed a request to reinvestigate the following incorrect item, which they list on my credit report ( s ) as a collection : ARS Account Resolution in the amount of {$1500.00}. The computer-generated response I received is unacceptable and I am losing patience. This information is invalid, negative, unduly, and unfair incorrect information on my credit report. As a requirement of the FCRA, they failed to provide me proof of the alleged debts validity by NOT providing me with the following : ( a ) breakdown of fees including how you calculated what they claim I owe ; ( b ) a copy of my signature on a contract or document that holds me responsible for this alleged debt : and ( c ) proof that you are licensed to collect this debt ( if valid ) in my state. Their response listing XXXX XXXX XXXX. XXXX XXXX XXXX is not enough information to validate anything. I have XXXX as my insurance provider and there is no record of me receiving treatment for any service for the date of XX/XX/XXXX.
03/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 070XX	Web
This debt collection agency is attempting to collect debt that I have no knowledge of. According to the collection on file, ARS Account Resolution based in XXXX, FL ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) is claiming I owe {$160.00} from XX/XX/2017. I was fully insured through my employer with a XXXX insurance plan and would not have incurred any medical debt during this time. This collection was reported to the three major credit bureaus ( XXXX, XXXX and XXXX ) and both XXXX and XXXX responded to my dispute stating that I had no knowledge of this debt and proceeded to delete the collection from my credit report. XXXX has responded to multiple disputes placed by me by " verifying '' the debt but they have not sent me or given me access to anything that explains how this debt is tied to me. ARS Account Resolution has not responded to several letters that I have sent them citing Section 609 of the FCRA. Having this blemish on my credit report ( especially when I have absolutely NO knowledge of it ) is hurting my credit and hindering on my financial independence.
04/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 727XX	Web
First of all I went to the hospital because of intense stomach pain, I had medicaid so it should have been covered.The original place was XXXX XXXX XXXX XXXX. The dates they had at XXXX XXXX XXXX did not match the date of the debt and I tried to sort everything out but it had already been a long time to find out why it didn't get covered as they said.I finally made an agreement with XXXX XXXX XXXX and they told me they would take it off my record if I paid an amount of XXXX on XXXX XXXX and not the XXXX as long as I made the payment that day.They lied and never took it off instead they sent it over to a different collection company I believe XXXX, still for the same amount of XXXX. I tried to dispute this but nothing was resolved.I have the receipt they sent me in my e-mail and I have proof in my bank account statement that they did get the money. Please look into this, I'm a single mom of XXXX kids and I was just trying to do the right thing and pay it this was a very big sacrifice for my family to pay that amount of money only to be robbed by them. Thank you for your time.
04/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OR 97206	Web
I was contacted by XXXX XXXX XXXX about a debt collection from charges allegedly originating on XX/XX/2018, when I was seen in an emergency room in XXXX XXXX. Their letter arrived one year after my visit and referenced an account with XXXX XXXX XXXX XXXX XXXX ( # XXXX ) for {$1100.00}. I never received even a single bill from this company. They are completely unreachable by phone, as I have made numerous attempts to acquire my original bill so I can pay the debt collectors if the money is indeed owed. XXXX provided me with no additional contact information. Over the past year, I have paid numerous providers in relation to this medical event, without issue. I have excellent credit and have never once missed a bill payment in my life. I can not believe it is legal for a company to contact me out of the blue with zero proof of a bill and demand a large sum of money. If they had simply provided me with ANY information, I would feel better about paying this money. However, their total lack of information leads me to believe I do not actually owe and this is some kind of scam.
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33407	Web
After reviewing my credit profile on XX/XX/2022 I identified discrepancy with account listed under ARS Account Resolution and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
03/11/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 354XX	Web	Servicemember
I XXXX XXXX has got into contact with XXXX ( XXXX XXXX XXXX ) about two inquiries on my credit report. I have never heard of them. The accounts have opened in XX/XX/XXXX for XXXX and the other account opened in XX/XX/XXXX. I paid the XXXX in XXXX of XXXX. When i asked if they were for the same reason and why im charged with two separate bills instead of one their answer was these are two separate bills from XXXX XXXX private doctors. I never had a private Doctor. I called XXXX XXXX XXXX XXXX a nice lady on the phone said my accounts were paid in full and i had no other bills on record. So where is this coming from. XXXX never sent out letters to pay a bill i never received information on who the private doctors are and why im getting billed for something i dont know anything about. I dont know the Doctors names dates i recived the bills or what they were for. XXXX was also know for XXXX XXXX XXXX. I dont know who this bill collector is. They are from Florida. I live in Alabama. XXXX XXXX XXXX XXXX XXXX, Fl XXXX. I paid XXXX to them. I just hope that i didnt get screwed.
11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 451XX	Web
I have four accounts from the same company on my credit report I tried to dispute it 10 times I've explained that it is not mine I have insurance. Free government insurance I would of used it. Have had same insurance for 20 years. it's from it was originally from hospital collector. It got sold to another company and I keep disputing it and they keep coming back saying it's okay which it's not because it's not mine I've put fraud I've contacted them it's been taken off my XXXX but they won't take it off my XXXX I tried to contact them multiple times so now my last resort is you it is not mine I even put in the report should I get a police report nothing ever was brought back to me I'm not taking this four accounts for a hospital visits when they're not mine this has been affecting my credit record I want this fixed please I didn't know who else to turn to thank goodness I seen that I could contact you guys to get it taken care of their name is ARS account resolution their address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX and then their phone number is XXXX
02/06/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33023	Web
NEW UPDATE! NOTICE REGARDING FAILURE TO PROVIDE SIGNED CONTRACT TO LAWFULLY VERIFY AND VALIDATE ALLEGED DEBT. On XX/XX/23 I submitted a NOTICE of DISPUTE regarding alleged debt that ACCOUNT RESOLUTION SERVICES is claiming I may owe. In that Notice of Dispute I stated as a consumer a federally protected consumer under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, the Gramm Leach Bliley Act and that I have the right to privacy. I also requested a signed contract between both parties myself and ACCOUNT RESOLUTION SERVICES to lawfully verify and validate any contracual agreement between myself and ACCOUNT RESOLUTION SERVICES. See Exhibit A PLEASE note that I did not receive any documentation or material facts regarding any claim. If you are engaging in in ANY deceptive or misrepresentation or False claim you are in Violation under the Fair Debt Collection Practices Act. If you continue to engage in any unlawful, deceptive, Identity Theft, extortion, FRAUD or Racketeering activites i will seek legal action against you. Regards, XXXX XXXX
10/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 707XX	Web
A few months ago I pulled my credit and notice XXXX XXXXXXXX XXXX is reporting a balance of {$690.00}. I've sent out letters to this company asking to verify this debt because I have insurance that covers my visits and know I should never have a bill this much. Along with a lot of other things I asked this company to send, I also asked for a copy of the hospital/dr office agreement with my signature. I have not received anything but a print out of a balance they claim I owe. My file always tend to get mixed with my sibling file a lot at the the doctors office/hospital ALL the time! How do I know that this debt is mine?? Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.
09/24/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NM 880XX	Web	Servicemember
HRRG called me approximately 6 or 7 weeks ago to collect a debt that I apparently owed to XXXX XXXX XXXX in XXXX of 2015. When I called XXXX they stated that they do not work with HRRG as a debt collection agency and that I did not owe them any money. I called HRRG back and requested that they mail me a bill so that I can see the original creditor because the lady on the phone told me that she can not give that information out. After I gave her my address she stated that she would have to note on my account that I refused to pay at that time. After receiving the bill via U.S. mail, I called them because there is still not enough information regarding who I owe and once more I was told that client information is private, and I told her that I would not be able to pay it unless I knew who I was paying. She got an attitude and firmly told me that it was only {$29.00} and that I am required to pay it. Once more I asked who I owed and she stated that it was just a physician, but she could not tell me who. Then she threatened to send it to my credit and hung up the phone.
12/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33015	Web
I received a phone call from this so called company ARS ( Account Resolution Services ) telling me that I was placed in collections for a medical debt regarding some previous visit of my son to the ER in the XXXX XXXX Hospital I explained that my son had insurance ( XXXX bc he is XXXX ) and I have never had to pay any bill or medication before. I didn't give them any information and asked for the Dr name bc I keep records of all my son 's visit to the hospital and the dates were coincident Then I called the hospital and they assured me that i didn't have any bill pending under that doctor 's name Now I'm getting a letter from the same company ( the information is at the end of this letter ) with two visits ( one is real, the other is not ) and I'm worried bc I really don't know if this could impact my credit history, which btw is not bad at all. Any help I could receive from you would be highly appreciated ACCOUNT RESOLUTION SERVICES a division of HRRG, XXXX XXXX XXXX XXXX XXXX, FL XXXX Ph : XXXX My address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
07/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08648	Web
XXXX XXXX XXXX is reporting collection accounts on my credit report when they are not authorized by having a collection agency bond in the state of NJ. I have contacted the NJ Secretary of State and was told that there is no bond on file for XXXX XXXX XXXX. They also told me that XXXX XXXX XXXX XXXX, which is the parent company of XXXX has 2 bonds that expired on XX/XX/2018. NJ state law statutes ( N.J.S.A. 45:18 et seq. ) dictates that no person can operate a collection agency, collection bureau or collection office or engage in the business of collecting or receiving payment for others of any account, bill, or other indebtedness without having a sufficient bond on file with the Secretary of State. With this newfound information I demand that all accounts being reported to my credit be deleted IMMEDIATELY as XXXX is completely breaking NJ state law and has been doing so since XX/XX/XXXX when I disputed these accounts. They are reporting 9 accounts that should all be deleted. Account Numbers are below. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
08/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 083XX	Web
Re : ARS ACCOUNT RESOLUTION I am not liable for two alleged medical debts with ARS ACCOUNT RESOLUTION ( {$1500.00} and {$1500.00} ). I do not have a contract or signed agreements with ARS ACCOUNT RESOLUTION. ARS ACCOUNT RESOLUTION has not sent me any correspondence to my address ( XXXX NJ ), but they are reporting derogatory notations on my credit report. I also did not sign authorization for my medical information to be released to ARS ACCOUNT RESOLUTION. On XX/XX/2023, I sent two separate debt validation letters to ARS ACCOUNT RESOLUTION for two separate accounts. The validation letters were mailed via certified mail and received by ARS ACCOUNT RESOLUTION on XX/XX/2023 and XX/XX/2023. ARS ACCOUNT RESOLUTION has failed to respond to my request to validate the two alleged debts. I am requesting that these alleged debts are removed immediately from my XXXX, XXXX, and XXXX reports -- due to nonexistent contract/agreement with ARS ACCOUNT RESOLUTION, failure to provide correspondence to my address, HIPPA violation ( s ), and failure to validate these alleged debts.
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30721	Web
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX # # # # # # XXXX And i DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These medical collections are violations and must be removed.
02/15/2021	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29464	Web
Was sent in the mail ( XX/XX/2020 ) from HRRG saying I owed debt to XXXXXXXX XXXX XXXX XXXX XXXX for the amount of {$1000.00} from an ER visit on XX/XX/2020 ( which did happen ). I first called HRRG and they offered me a discount in 2 payments to pay my debt because of COVID and the pandemic. This set off alarms. So I then called my hospital directly to pay what they said I owed. I paid my bill in XX/XX/2020 for {$530.00} in full ( after insurance ) and they said they had no other amount I owed to the ER but gave me the number of XXXXXXXX XXXX XXXX XXXX XXXXXXXX to see if I owed them as the ER and physicians sometimes bill separately. I called XXXXXXXX XXXX XXXX XXXX XXXXXXXX and they had no record of me in the system at all. When I spoke with the account specialist, he said he's been getting multiple calls like this about HRRG. After looking me up with last name, date of service, birthdate, etc. - there is no record of my debt and the practice of the ER and physicians billing separately ended 3 years ago. HRRG is using the pandemic as a front to collect money!
11/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32073	Web
There is a collection debt on my credit report from ARS Account Resolutions for a medical visit in the amount of XXXX. This account was supposedly opened by me on XX/XX/2021. I know for a fact I did not go to an emergency room at all in XXXX!! I never received any communication from this company about said debt proving the validity of this account. I also called my insurance company that I have through my employer and the claims department stated there are no claims filed in the month of XXXX. I have medical insurance, why would I not use it if I had went to a doctor? I disputed this with XXXX, however less than 24 hours after I opened my dispute it was rejected? The very next day after filing my dispute, this company puts the same account on my XXXX report! It had not been there previously. This is not my account! Ars account resolutions has numerous complaints against them and a lot of complaints for putting emergency room visits on consumers accounts when they never visited a hospital. I think that I would know whether or not I visited a doctor 3 months ago.
06/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30168	Web
I have complained 2 times through the Consumer Financial Protection Bureau that I have disputed and re quested debt validation from ARS for a collection they have placed on my credit report that should be deleted. On XXXX ( CFPB XXXX ) I requested debt validation and ARS responded that they could not located the account. I re requested validation on XXXX ( CFPB XXXX ) and ARS stated they were requesting documentation from the original creditor to stall again. ARS is not in compliance with FDCPA 809 ( a ) ( 3 ) ( 4 ) ( 5 ) and 809 ( b ) are in violation of this law they do not have debt validation on this amount that they claim. They have denied me access to information purposely and should cease collection until further debt is verified and ARS has not been able to do. The initial debt verification request was XXXX and it was denied- there should not be a need to request verification for documents that should be available by now- Please explain how this account was not able to be located. I also would like copies of all documentation mailed out on this account
11/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33801	Web
On XXXX XXXX, 2017, I sent a letter to XXXX XXXX XXXX ( see attached ). I requested that their office provide me with competent evidence that I had any legal obligation to pay them. Specifically, I requested that they provide me with a summary of all account activities, including all payments made, late charges, interest, date of payments received, copies of charge slips, invoices, promissory notes and other documents proving indebtness, copies of all documents sent to me regarding this account and copies of any papers that show I agreed to pay what they say I owe bearing my original signature. To no avail. I received a letter from them dated XXXX.17 ; however, it is nothing more than a mere statement their office has generated with no further explanation nor itemization of what is allegedly owed. It is obvious their records to provide verification of this debt is non-existent and they are therefore in direct violation of my consumer rights. This blanket balance has no supporting justification and therefore should not be reflected on any of my credit reports.
08/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34638	Web	Servicemember
On XX/XX/2022, I called Healthcare Revenue Recovery Group , LLC ( HHRG ), regarding an attempt to collect a debt notice that I received in which stated that I owed {$33.00}. I spoke with XXXX in which she stated that they were a debt collector trying to collect a debt that I owed to XXXX XXXX XXXX. I informed XXXX that XXXX XXXX XXXX never sent me a medical bill before HHRG 's attempt to collect notice. I was literally forced to pay a debt that I was not aware of or face further collection attempts and reporting to all national credit bureaus. On XX/XX/2022, I called the facility in which medical services were rendered by XXXX XXXX XXXX and they informed me that XXXX XXXX XXXX was already paid by them. The facility name is is XXXX XXXX XXXX. I also called my healthcare insurance provider and they informed me that the facility filed a claim for the same procedure code. And that XXXX XXXX XXXX. can not bill me for the same procedure code and same date of service. And also stated that the provider has already been paid by the facility for the contracted amount.
06/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33023	Web
This compliant is against XXXX and XXXX XXXX XXXX ( XXXX ) XXXX is reporting 5 accounts on my XXXX account that I have no knowledge of. I have contacted both companies and neither company has provide me with the information to identify the outstanding balance and that the account are mines. XXXX has continues to ignore my request. They stated off by saying my letters looked suspicious, I called and let them know that I wanted the account disputed. Now they are telling me they would not re-investigate without proof. How can I prove an item is not mines. What prove will I have. This doesn't make any sense to me. If they say the account have been verified, how was it verified. What information was provided. I have requested documentation from XXXX and all they provide was a list of the accounts. XXXX and XXXX has remove the account because XXXX didn't verify the account but XXXX is claiming the account were verified. I feel that XXXX feels I am working with a credit report company and is not taking my request serious. i have researched and know my rights.
05/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33313	Web
My name is XXXX XXXX, a federally protected consumer and Im making this complaint against ARS for committing identity theft. I have never given ARS any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC \|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 ARS 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 ARS continues its collection efforts, I will file for litigation for actual damages caused and ARS 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 CC 1-202f. Your prompt attention and response are both requested and required.
01/07/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77498	Web
On XX/XX/2018 I reported a case with COMPLAINT id # : XXXX-XXXX and XXXX-XXXX. I have already made payment of {$270.00} to XXXX XXXX , XXXX XXXX on XX/XX/2018 on behalf of XXXX XXXX Hospital in XXXX Texas and XXXX XXXX Hospital is aware of it. Though the payment I made was not refunded back to me but immediately after that payment I started receiving another mail from XXXX ( XXXX XXXX XXXX ) XXXX. XXXX XXXX, XXXX, OH XXXX asking me to pay {$240.00} for same purpose ( for visiting XXXX XXXX Hospital in XXXX Texas ). I called XXXX XXXX Hospital in XXXX Texas today and they told me my account is {$0.00} balance because I settle last 2 months. I later call the XXXX XXXX XXXX and they insisted I must pay the {$240.00} and when I tried to explain to her, she will only say your case will be reported to credit bureau. The Reference number they gave me in the mail is : XXXX and pin : XXXX and amount is {$240.00}. I am not owing XXXX XXXX Hospital in XXXX and XXXX XXXX XXXX need to delete my information from their database. Thanks for your usual support.
03/06/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AZ 85035	Web
I received statement notices from a hospital that i received patient care from, with the attending Dr 's and Dr Assistant statement reading that I owed them. They already had my Medical insurance info on file, and corresponded with me to collect money for their services. Then they reported to a collection agency without filing the claim with my insurance first. I have been so overwhelmed by this type of derogatory medical mark on my credit information. I have been depressed over this issue for awhile, and did n't know that I was the one who was n't at fault for them inadvertently making the mistake. I contacted my insurance carrier, and was advised that the hospital was n't supposed to correspond with me first, let alone have it submitted to a collection agency, that sent multiple corresponding letters. After I told them that the hospital was at fault for coming after me before contacting my insurance carrier, and then sicking a credit agency on me. Is there anything that can be done to compensate me from the agony, stress and harassment that I received?
09/30/2019	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98374	Web
Around XX/XX/2019, I went to the hospital. I have, since XX/XX/XXXX ( it is now XX/XX/XXXX ), received two to three calls a day from a debt collection agency, demanding the money for a bill I was never given. When I said that I had not received the bill ( I received a bill from the hospital, but this bill was for the physician - I never received a bill from the physician ), the debt collector on XX/XX/XXXX said, " I can confirm the last four digits of your social security number are xxxx, and this debt will seriously negatively affect your credit if you do not pay us back by XX/XX/XXXX. '' I have felt threatened, harassed, intimidated, judged, and, because of my age and lack of knowledge, discriminated against. I have been bullied, and refused information. I have been told " should haves '' when I ask questions. I " should have '' been given a bill. I " should have '' been informed about the physician policy. I can't afford the should haves, and, most importantly, I can't handle the stress of another phone call with these horrible, disgusting people.
03/12/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 34744	Web
I received a letter from the collection company called ARS Account Resolution. After reviewing my credit report, I noticed that it has indeed made it to the credit reporting agencies. I sent ARS Account Resolution a debt validation letter last month asking them to validate the debt owed from Fl XXXX XXXX XXXX XXXXXXXX XXXX, in which they did. I am aware that there was a debt from Fl XXXX XXXX XXXX XXXXXXXX XXXX but was unaware of the amount due. As the fees stated appears inaccurate. Additionally, I am allowed under the health insurance probability and accountability act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission for Fl XXXX XXXX XXXX XXXXXXXX XXXX to release my medical records to a third party. I am aware that HIPPA does allow for limited information about me to be reported but anything more is to only be revealed with the patient 's authorization. I am requesting that this medical collection be properly investigated and removed as it has been reported to all three credit reporting agencies.
01/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 14228	Web	Servicemember
I received a phone call from a XXXX, Fl number this morning ; XXXX. The individual identified himself as " XXXX '' but I had trouble understanding what company he was calling for and what about. He said he was calling regarding a debt on my son, XXXX, from an urgent care visit back in XXXX ( believe he said XX/XX/2019 ). He said my street name and asked me, I guess for identification purposes, my street address. When he mentioned " the bill, '' I said that we'd already paid it. He said that is what he was calling about, that we could go ahead and take care of it over the phone today. Combined with me not understanding him ( phone connection did not sound clear ) and what he was saying or asking, I started to think this was a scam and told " XXXX '' that I would need to call back. He said " ok '' and they would be open until XXXX tonight. I did a search online for the phone number and did not come up with anything other than one or 2 negative notes that it might be a scam. He also specifically mentioned that I have XXXX XXXX/XXXX XXXX insurance.
06/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 457XX	Web
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX Account XXXX. Original Creditor : XXXX XXXX XXXX XXXX. amount {$380.00}. XXXX XXXX Hospital in XXXX, XXXX sent a bill addressed to XXXX XXXX to my home address in XX/XX/XXXX. I immediately took the bill to their Med Rec Dept and was told another person 's account was linked to mine and I was assured it was fixed. After speaking with the dept. and researching records myself, the account belongs to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX. The collections appeared on my credit report XX/XX/XXXX. I contacted XXXX at the number above and filed the dispute with XXXX on XX/XX/XXXX. I confirmed my last name has never been XXXX and I have never lived in XXXX Public records and my credit report demonstrates this. XXXX said the XXXX Policy for the patient is XXXX, policy holder is XXXX XXXX. She said she would file the dispute yet the collection remains active on my credit report. To make matters worse, the hospital closed 2 years ago so I can not get help from them on this matter.
04/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44111	Web
I Noticed a collection from XXXX on my credit report i sent a debt validation letter certified mail ( included in this complaint ) and received a printed paper with just an amount owed and the original creditor emergency professional services. I contacted the original creditor via phone and spoke with XXXX on XX/XX/XXXX and asked for the original contract and they do not have it. So how is this debt valid if the original creditor do sent even have paperwork on this debt XXXX says i owe. Also in my dispute letter i asked XXXX for the original contract or anything bearing my signature to prove i actually owe this they did not send it. Since the original creditor do-sent have paper work i asked they remove this item from my credit report or send me something bearing my signature to prove i owe them with all the identity theft going on and with me being a victim of identity theft in the past I will not pay this debt until i receive this information. If this item is not removed i will pursue litigation and sue for XXXX $ for violation of section 809.
05/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OK XXXXX	Web
FINAL NOTICE, i have not been giving notice by this company and giving the right to dispute this debt, i will now dispute thru this site, i dont recall this debt so under fcra i am requesting that tis company provide my an document in which i agreed to pay said debt amount and my signature all on my contract, per ftc opinion letter, only a signed contract with an amount between me and the creditor is the only form of validation, This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : AN ITEMIZED STATEMENT IS NOT VALIDATION, AS I DONT CONSENT FOR THIS COMPANY TO HAVE ANY OF MY MEDICAL RECORDS CAUSE THAT TO DOES NOT VALIDATE AN ACCOUNT, AND I WILL NOT EXCEPT AN ITEMIZED STATEMENT AND NEITHER WILL THE COURTS, THE ONLY VALIDATION FOR ANY ACCOUNT IS A SIGNED CONTRACT OR AGREEMENT, ONE IN THE SAME
11/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33407	Web
I sent my letter on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I have attached the letter sent out. According to the FCRA the term Investigate consumer report means a 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. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing inaccuracies.
07/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 14220	Web
ARS reported debts on my account a few years ago. I requested validation because I knew nothing about this - ARS failed to validate with me after I sent them a registered letter. I sent this information to all three credit bureaus ( XXXX, XXXX, XXXX ) - the credit agencies removed the ARS listings. Fast forward four or so years. THE SAME listings pop up once again. once again I sent a request to ARS about these, what are they please validate. They again fail to do so. I sent this information over the the three credit agencies. XXXX deletes the listings. XXXX deletes all but one of the ars listings. XXXX deletes NONE of the listings. This is the second time they have done this, is n't it illegal to do this again after they failed to provide validation the first time? I have the receipts from the original letter to ARS that they received. I send copies to the credit reporting agencies of both the letter I sent to ARS, the tracking number and the actual USPS form showing it was received and it had been over 30 days since they received it.
08/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33064	Web
So this debt collector put a {$270.00} debt on my credit report. I have disputed it several times, they say the debt is valid to the credit agencies, but even after asking for written proof of the debt, or disputing it several times, they have not sent me ANY communication, any letters, and have NEVER contacted me once about this alleged debt. I do not know who they are, who the company they represent is, what the debt is for, nor have I ever heard of the original company. I do not know who the original company is after looking them up. It seems to be a medical company from XXXX or XXXX XXXX Florida. I have never heard of the provider or any of the doctors listed on the XXXX XXXX OF FL website that I attempted to contact. I have never been to a doctor in XXXX or XXXX XXXX, FL ( closest to me ) or the other 14 cities far from me, where the doctors are listed from in FL. They refuse to send me any communications or proof of debt for well over 2 years that I've been disputing this debt, and I want the item removed from all credit reports.
05/20/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 341XX	Web	Older American, Servicemember
My younger brother has a habit of giving my address and phone number when he goes to the hospital. This has happened sporadically in the past. I do not know his present address of phone number. About a little more than a month ago I had a call left on my answering machine from HHGR, Healthcare Revenue Recovery Group. LLC saying they were trying to collect a debt. I deleted the massage. About three weeks ago, the same message was left on my answering machine with the same message. I called the number and explained to them that the phone number they were calling was not my brother 's number. I also explained that I do not have any information about where he lives of a phone number for him. They assured that I would not be contacted again. On XXXX, XXXX/XXXX/2015, a call was left on my answering machine from HRRG saying they were calling to collect a debt. Since HRRG 's representative I talked to assured me that I would not be contacted again by them, I consider the last call from them nothing more that harassing a third party.
04/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45324	Web
I have never done business with XXXX # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency.Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
07/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43227	Web
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the the ownership and legality of this HIPPA Act Violation debt purport that I owe The accounts have been in dispute for over 3yrs. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
07/01/2023	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	IL 622XX	Web
I sent a letter on XX/XX/2022 to XXXX. Here is my tracking number ... ... ..... However the credit bureaus said they completed the investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigate consumer report means a 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 informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?
07/23/2020	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 601XX	Web
I was in the hospital with a XXXX. I had over {$600000.00} worth of medical bills. XXXX covered most of it. This was in XXXX. My brother told me a collection company called his house to collect my debt. Then today I got a letter from the same collection company in the mail. It stated that I owed {$190.00} for a doctor bill from when I was in the hospital. I told him I have been making payments on all of my bills. I wanted to know who the debt was from. He told me XXXX XXXX XXXX. I checked and I have not gotten a bill from them. I can't possibly pay a bill that was never sent to me to pay. Then they turn it over to this collection company that treated me like I was a criminal. He told me to research it myself. His job is not to tell me who was billing me or their phone number. I have no idea what this bill is for. I have no idea if it is even real. I think I should not have someone not send me a bill and then try to ruin my credit by turning it over to a collection company. That is certainly not fair and it doesn't seem legal.
10/02/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32746	Web
I had lab work done at XXXX XXXX during XX/XX/XXXX. My medical information was shared with a collection agency, Account Resolution Services, now I am be charged {$2000.00} since XX/XX/XXXX. I've attempted on two occasions sending letters to ARS for debt validation on XX/XX/XXXX, and XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for ARS to have authorization to collect a debt. Instead ARS has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies on XX/XX/XXXX, explaining that ARS has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. As of today only XXXX has corrected my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity immediately.
06/02/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 080XX	Web
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. Under federal law, I could hire an attorney to sue them at no cost to me and ask for {$1000.00} in damages, since credit bureau reporting is considered a collection activity and have failed to provide legal documentation that they are reporting this account 100 % accurate.
05/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33556	Web
XXXX - XXXX Reported XX/XX/XXXX XXXX attempted numerous times to resolve they want the whole debt paid which I never purchased this and they were unable To provide me with evidence of me purchasing such goods. I called on XX/XX/XXXX when I applied through my bank to refinance the house and this came up. XXXX XXXX XXXX. XX/XX/XXXX Reported XX/XX/XXXX. AMOUNT DUE XXXX XXXX Never purchased goods tried numerous times to dispute and no remedy. ARS Account XXXX XXXX, Fl Medical bill for services rendered unable to obtain accurate information in order to resolve. I never received a bill to pay, as well was unaware of these charges. Attempted to contact and no answer. XXXX- XXXX Reported XX/XX/XXXX. {$390.00} for school? Never registered for clases in XXXX and XXXX XXXX College is charging for a class never taken and never registered. XXXX XXXX XXXX XXXX Medical services rendered Never receive bills for this service or notice. Attempted numerous times to resolve issue and they are unwilling to remove from credit report.
12/04/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 125XX	Web
My insurance company XXXX XXXX failed to pay an emergency room doctors fee because of a clear misread of my medical coverage. After spending many months trying to resolve the issue with the insurance company and the medical biller, the outstanding bill was sent to XXXX for collection. On XX/XX/2018, XXXX Account XXXX XXXX stated that the unpaid debt would be reported to credit agencies if not paid in full. XXXX was contacted by XXXX XXXX on XX/XX/2018 ( two days later ) to let them know the account/bill was covered and was going to be paid by UHC and not to pursue the matter any further. The XXXX representative who XXXX spoke to was named XXXX. On XX/XX/2018, XXXX sent XXXX a Explanations of Benefits document showing that the bill was in fact paid in full. On XX/XX/2018, XXXX reported the unpaid debt to XXXX and XXXX. An XXXX representative stated that they are not responsible for correcting the reporting to the credit agencies. This uncollected debt now appears on my credit report. This is a clear violation of the FDCPA.
10/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77082	Web
Good afternoon. I would like to file a complaint on XXXX as well as XXXX, XXXX and XXXX. I was reviewing my credit report and discovered several medical bills in collections. I disputed the accounts XXXX and XXXX with all ( 3 ) bureaus several times and the accounts came back as verified. I sent a letter to XXXX on XX/XX/18 requesting validation. The responded on XX/XX/18, but the information mailed does not verify that either account is mine. This information could have been falsified or made up. Again I requested very specific information again, I was sent the same thing. I would like to complain on the bureaus as well. They keep verifying the information, but how if the collector can't even verify the information with me the consumer. It appears that some of the accounts were deleted for a few of the bureaus. I need both accounts deleted from all bureaus. It has been more than 60 dates and ( 2 ) attempts with no validation. I WANT BOTH ACCOUNTS REMOVED or I will be filing a suit against Collection Agency and the bureaus.
09/06/2021	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	CT 06118	Web
XXXX IS REPORTING AN ACCOUNT ON MY CONSUMER CREDIT PROFILE WHICH HAS BEEN PREVIOSULY DISPUTED AND INVALIDATED. THE FURNISHERS OF THIS INFORMATION ARE ATTEMPTING REREPORT AN INVALID DATE. PLEASE FIND ATTACHED A SCREEN. PLEASE FIND ATTACHED AS EVIDENCE A SCREEN SHOT OF THE ACCOUNT IN QUESTION ON MY CREDIT REPORT WITH THE INFORMATION THAT NEEDS TO BE DELETED HIGHLIGHTED. ALSO FIND ATTACHED MY COMPLETE CREDIT REPORT FROM XXXX. ALSO FIND ATTACHED THE LETTER WRITTEN FROM ARS TO ME WITH CONFLICTING ACCOUNT NUMBERS. this is costing me a lot of money and it is a violation of my rights under the FCRA guidelines. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I HAVE NOT CONDUCTED ANY BUSINESS TRANSACTIONS WITH THE FURNISHERS OF THIS INFORMATION. DELETE IT IMMEDIATELTY. ARS XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$55.00} Date Updated XX/XX/2021 High Balance {$55.00}
06/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75218	Web
I disputed these aligations with this company for a few months now. I've went about the situation the correct and diligent way ( following the FCRA Federal regulations ) to no avail my request was STILL not honored by this company who goes by the name " ARS '' Account Resolution Services. I was sent bills claiming that I owed three medical bills. Seeing how I've always had insurance I know indeed this debt was not actually mines. So, I disputed this account with the three credit bureaus ( XXXX XXXX, XXXX, and XXXX. Which came back quote on quote verified ... So I then sent this company ARS a verification letter according to the FCRA ( Fair Credit Reporting Act ) they had to provide a signed contract by me ( which they NEVER did ... I even offered to settle this with this company if they could provide me ANY substantial proof that this debt is and was indeed mines! Moral of the story they NEVER provided me ANY type of proof showing me ANY contract showing that I've received services from the company in which they represent.
12/04/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 125XX	Web
My insurance company XXXX XXXX failed to pay an emergency room doctors fee because of a clear misread of my medical coverage. After spending many months trying to resolve the issue with the insurance company and the medical biller, the outstanding bill was sent to XXXX for collection. On XX/XX/2018, XXXX XXXX XXXX XXXX stated that the unpaid debt would be reported to credit agencies if not paid in full. XXXX was contacted by XXXX XXXX on XX/XX/2018 ( two days later ) to let them know the account/bill was covered and was going to be paid by XXXX and not to pursue the matter any further. The XXXX representative who XXXX spoke to was named XXXX. On XX/XX/2018, XXXX sent XXXX a Explanations of Benefits document showing that the bill was in fact paid in full. On XX/XX/2018, XXXX reported the unpaid debt to XXXX and XXXX. An XXXX representative stated that they are not responsible for correcting the reporting to the credit agencies. This uncollected debt now appears on my credit report. This is a clear violation of the FDCPA.
03/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34990	Web	Older American
I was contacted by Account Resolution Services [ referred now as : ARS ] about a delinquent Medical Bill supposed incurred from 'Paragon Contracting '. When I asked 'what Doctor ' or 'medical service ' that XXXX represented, the response on XX/XX/21 was only, XXXX Contracting '. The letter also reads : ( NOTICE : SEE REVERSE FOR MORE IMPORTANT INFORMATION ) however, the reverse is a blank page. The recent contact by XXXX requested I 'settle ' a non-existing, 5 year old bill, by asking me to pay them 1/2 the amount to 'settle '. They use the Credit Report Agencies to shake people down forcing us to pay or else have ruined credit. When investigating 'Paragon ', the XXXX shows over 120 complaints regarding their demand for payment of non-existing services. ABS, their 'Bill Collector ', has over 6,000 complaints with CFPB, alone! It seems apparent that these two work together to form a Medical scam and use ruined credit to extort monies from those vulnerable. How many complaints does CFPB need before action is taken?
03/06/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75702	Web
On XXXX XXXX, 2016 I sent a letter to Account Resolution Services asking for this company to verify the debt that is said I owe {$1200.00}. I received a letter stating that the balance was confirmed, but I received no validation requested. I have already contacted all XXXX credit bureaus concerning this issue.. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Requests made to this company were to : 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. Account Resolution Services failed to comply.
04/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33021	Web
I was notified by all 3 credit bureaus that I owed a debt. I am not aware of any bills outstanding. I am considered as an indigent patient and is covered by Florida State Medicaid. Please remove all outstanding debt and refer to Florida State Medicaid laws or filing rules. I also did not give any permission for my information to be released to any third parties which is direct violation of the HIPPA law. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. XX/XX/XXXX {$560.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1000.00}
11/01/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 63122	Web
XXXX ( XXXX XXXX XXXX ) has listed an item as in collection for a service they say I received on XX/XX/XXXX and XX/XX/XXXX and I know nothing about this. I contacted XXXX and they said they could not provide me any detail as to what this was for. They told me to contact XXXX. XXXX would not give me any contact information for XXXX. I called one number I found on the internet for XXXX and they said they had no record of me. I called a different number I found for them and they said I needed to get the detail from XXXX. I told them XXXX couldn't/would n't provide me with any detail and to call XXXX XXXX at XXXX XXXX XXXX . I called XXXX XXXX and they say they don't have any invoices for me. I have disputed this with the 3 credit agencies, XXXX XXXX, XXXX and XXXX. This reporting on my credit report by XXXX has negatively affected my credit score and my ability to get credit extended to me. I believe this may be a scam as XXXX - nor anyone they refer me to can provide me any detailed information regarding this charge.
10/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43229	Web
ARS ACCOUNT RESOLUTION # XXXX This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following :
01/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 73072	Web
I have disputed a collections account from XXXX XXXX XXXX on my XXXX credit report multiple times now. With zero results, nothing has changed, despite me disputing this item multiple times over several years now. I have also asked for my consumer disclosure file for this collections account, per FCRA Section 609 ( a ) ( 1 ), multiple times and never received anything from either XXXX or XXXX. I have informed XXXX multiple times that I have never received a medical bill for this alleged debt. I have informed them that it is my right to have been given a bill for this debt, which I never was given. Therefore, I also was never given the chance to dispute this item with the original creditor or collections agency. The hospital that this was most likely billed from is notorious for sending bills directly to collections when the patient did not have insurance. I have no doubt that this is most likely the case with this debt, but there again, since I have never been issued a bill for this item, I can only speculate.
05/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43213	Web
The company stated in last response to complaint of how to take care of this debt and how to get it off my credit report. Everything that company required me to do, I did, to have it item removed. However, ARS continues to deny communications from me. They continue to give me the runaround when it involves answers based on what I have to do and if they have received it. ARS stated in their response to my earlier complaint that the debt could be removed if i was able to show insurance coverage at the time the original debt was undertaken. It should be noted that my claim all along has been that this is not my debt and I do not know who created this debt. In. No way should the action of me submitting my insurance information be taken as an admission or Acceptance of said debt. After I received ARSs response and instructions I sent them the required information theee times. ARS refuses to respond to my emails. They have said nothing pertaining to receipts of r these emails. On phone calls thru tell many XXXX XXXX
07/30/2017	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77096	Web
I have repeatedly sent complaints against ARS collection agency. Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a surety bond on file with the Secretary of State of Texas. ARS ( Account Resolution Services ) does not have an " active '' bond filed. ARS has stated they are doing business under another agency name XXXX, which also does not have an " active '' surety bond filed with the State of Texas. The results from my complaints are on file with the Consumer Financial Protection Agency. ARS ( Account Resolution Services ) is the company reporting on my credit file. I have filed a complaint with the Better Business Bureau of Ohio, as well. The company changed status of some of their accounts on my credit file from " Open '' to " Closed ''. I have also filed a fraud complaint with the Attorney General of Texas, after a follow up call with the Secretary of State of Texas. All these actions that I have taken have occurred between XXXX 2017 and XXXX 2017.
07/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 361XX	Web
On XX/XX/2018 I sent out a debt validation letter not a verification letter to XXXX XXXX XXXX asking them for validation.The letter arrived on XX/XX/2018 at XXXX the law states that collection agencies must provide proof the debt they seek to collect is accurate and they have the right to collect it.I simply stated This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION.I insisted that they provide me with competent evidence that I have any legal obligation to pay them and Validation of the debt. Also stated If invalidated all references to this account must be deleted and completely removed from all 3 major credit bureaus of my credit file and a copy of such deletion request shall be sent to me immediately. Within 30 days of me sending the letter they responded with a letter but it did not validate the debt in no possible way to prove I owe it or them. Now I'm taking the next step to get this inaccurate and non validated collection from hindering my credit file.
03/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 735XX	Web	Servicemember
I disputed a collection listed on my credit report to the original creditor, and received a letter from the original creditor which stated, my balance to be XXXX, since the hospital had failed to bill the insurance company in a timely manner. I was never responsible for this bill. I am attaching the letter sent to me from the original creditor. I also contacted the collection company XXXX, via email as well as by phone, nevertheless, this bogus collection has not been removed from my credit, but instead has been updated to be valid. I disputed this collection with XXXX, XXXX within the last 30 days. I received an update from XXXX on XX/XX/2019. The dispute resultwasthis collection is valid per XXXX and is still on my credit report, and is delaying the process for my home mtg.loan to be approved. In fact the house I wanted to purchase has just now been sold to another person. XXXX XXXX XXXX ( XXXX ) has not been removed this from my credit report. I am attaching the letter from the original creditor.
07/12/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78728	Web
I just received the response from the company ARS and they are once again not sending me any signed documents stating this debt belongs to me nor any information pertaining to show that this debt ARS is claiming is mine. Any information they have sent is just showing my name and charges received. It is still not confirming by any signature of documents or anything specific to show the debt from them is my debt. It could have been possible identity fraud due to my social security card, birth certificate, and passport were all lost together so Im trying to validate in anyway to see if this is my debt by a signature, photo in the building etc. I 've already reported my items lost and once again ARS is refusing to show me what signed documents or any information from the hospital they are collecting from that I was the one to agree to any charges. They are not even showing me the original agreement only sending a paper saying the debt is validated from another party and assuming I am the one who agreed to it.
06/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33897	Web	Servicemember
On XX/XX/2021 I notice a bankruptcy alert in my credit report, from which I was unaware of.I proceeded to call the original creditor which phone num was XXXX, ask them for information regarding the bankruptcy the lady ask for my full name but in her system I appeared to be located in Texas, which is wrong I dont. I communicate her that I couldnt be me and she asked for my social since I didnt have an account number ( because I never received letters to my house regarding the debt that I Own. She said that the only way to verify me was with my social which I denied saying it. I havent been to an ER facility in over a year plus I am not from around the area this ER is located at. I believe someone stole my identity and claimed this money, because they have my old phone number on file. I dont have any documents to upload because this people didnt even sent letters of notice otherwise I would had taken maters since the early beginning, before something like a bankruptcy under my identity would have happened.
09/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30058	Web
ARS has been reporting a collection account to XXXX for at least the last year, regarding a medical debt to XXXX XXXX XXXX for services dating from XXXX. When I look at the address ARS reported as associated with the debt, it shows an address in XXXX, XXXX XXXX, where I have never lived. This debt is n't mine. And I have never lived in XXXX XXXX or used any address there. The item does n't show on my XXXX or XXXX XXXX credit report, it only shows on XXXX. So, I disputed the debt via XXXX several times. XXXX says they contacted ARS, who " confirmed '' the debt is mine, although I was provided no information how ARS made this confirmation. How did ARS determine this was mine? Especially when the billing address is XXXX miles from where I live? ARS does n't seem interested in checking basic facts before reporting to what can effectively ruin my chances of getting loans. Despite it not being on either of my other reports, and despite nothing else on my credit indicating I 've ever lived in PXXXX XXXX.
06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 770XX	Web
UPDATED DISPUTE TO INCLUDE EVIDENCE I have attempted to dispute accounts with this company and they continue to respond with template responses that do not address the problem. I DO NOT RECOGNIZE THE ORIGINAL CREDITOR. Please send information about XXXX XXXX XXXX XXXX XXXX XXXX so I may dispute directly with them as well. Additionally, the State of Texas prohibits a third-party debt collector from engaging in debt collection unless the third-party debt collector has obtained a surety bond issued by a surety company authorized to do business in Texas as prescribed by Texas Finance Code 392.101. A copy of the bond MUST be filed with the secretary of state. The Texas Secretary of State has informed me that Account Resolution Services is NOT authorized to conduct debt collection in the State of Texas and therefore is in violation of state law ( see enclosed ). The company as an entity ( ARS ) is acting unlawfully with debt collection. The company name itself has been listed on the bond and not a DBA.
05/04/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19082	Web
The hospital & my insurance company has reach out to them and they spoke to them also but they have not pulled this out if collection saying give them 30 to 45 days I do not believe I should have to wait that long when the hospital has clarified that it was never sent and that this is not my bill because I do have insurance on file and that it was a mishap on their part!! Why should they still allow my credit to be tarnish after 2 years of harassment not one letter stating I could had the right to dispute but just forceful calls demanding pay when I tried explaining my insurance situation servals times. I call the hospital after my last argument with this company and to my avail I sure did not owe abd Im being turned down on homeowners ship due to this the other collection agency has removed theirs already and both was reached at the same time with the same information they just want to drag me and my homeowners ship process along which is not fair by law my rights has been violated from this company
03/20/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33130	Web
This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt
05/27/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 081XX	Web
I have been trying to dispute this collection for at least a year now. I have not got in contact with anyone and no body has gotten in contact with me. I had and still am being covered by XXXX. This is the only account holding me back. I would like for this collection to be removed. Thank You. : Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$940.00} {$940.00} Payment Info Original balance {$940.00} Balance {$940.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
07/01/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 287XX	Web
I received a copy of my credit report in XXXX and have been requesting verification of items on my credit report. I went through the credit bureaus to request verification for these this item on my credit report - i received NO RESPONSE from this creditor, but received their contact information from the credit bureaus. After sending the letter attached to the creditor themselves, the response that they sent me in no way verifies that this item is mine. We have always had health insurance, and i never received a bill for this item prior to requesting information after it was reported negatively on my credit report. I do n't recall ever ever being to this facility. The timing of this also does n't make sense - it has me at the same place wit hin two weeks of another. I think i would remember being to a hospital almost 2 weeks i n a row. I think that someone made a mistake and this is not mine. I also do n't see how sending a bill verifies. Is it not possible that this belongs to someone else?
09/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33029	Web
I recently discovered that I am a victim of identity theft. I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be issued or approved until the lender first verified my identity. Fortunately, in my case, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN FOUR BUSINESS DAYS!
05/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow XXXX XXXX compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
07/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 941XX	Web
I received a notice from XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX, 2017. It was a bill for medical care in Florida for someone with the same last name but different first name. I called the medical group listed and confirmed that the bill was for an XXXX year old child in Florida. I am XXXX and live in California. The medical group said that they had not provided my name or address to the debt collection agency. When I called the debt collector and explained to them that this was not my bill they first told me to 'just return the bill '. I 'm not sure how you return a bill. I was also very concerned that this would negatively impact my credit score. I pushed further and the person on the phone supposedly went to talk to a supervisor. After about a minute she came back on telling me to ignore the bill. This is either a scam or a very poorly run business. I 'm still concerned that this will impact my credit score. The company provided no information on how they got my address or information.
04/09/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43119	Web
I have an unverified account from ARS ACCOUNT RESOLUTION. I had previously disputed this account. I have never done business with ARS ACCOUNT RESOLUTION. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ARS ACCOUNT RESOLUTION provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ARS ACCOUNT RESOLUTION Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
05/27/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 43231	Web
Account resolution services has had duplicate accounts on my credit report since XXXX for medical bills that XXXX should have paid for. The duplicate amounts are : {$1000.00}, {$1000.00}, {$760.00}, and {$760.00} again. Ive disputed these and they still havent been removed. XXXX of the accounts have the same account number and just one has a different account number. XXXX accounts were opened on XX/XX/2020 and XXXX account was opened on XX/XX/2020 for the exact same amount. I asked how could I have for bills in collections with the same amounts and havent gotten an answer yet. I had one single procedure done at a hospital and Im getting billed XXXX times and its on my credit report. How is this even legal? I would like someone to please look into this for me or please explain why these duplicate bills are on my credit report. I told them this had to be some kind of medical fraud for those dates and amounts to all be IDENTICAL and obviously they do not care about ruining someones credit.
11/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43232	Web
Account Resolution Services has place a negative item on my credit report ( s ) they are attempting to collect on an alleged debt in the amount of {$1000.00} a medical bill that I have no knowledge of. The original creditor is : ( XXXX XXXX XXXX XXXX ) I DID NOT RECIEVE A WRITTEN NOTICE ABOUT THIS DEBT and was never a patient at the above mentioned medical facility. Nor was I contacted by phone or email regarding my rights to dispute this alleged debt or to request validation of this debt which are my rights as a consumer pursuant to the FCRA and the FDCPA. They may also be in violation of the HIPAA guidelines regarding 3rd party medical information. This agency took it upon themselves to just place this information on my reports without due process. Which is why I pray that CFPB will investigate this matter, and this agencies illegal collection practices. I am very distressed about this especially with the impact of Covid-19 and this item has placed harm to my good clean credit rating
07/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43229	Web
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I BELIEVE THIS IS A HIPPA ACT VIOLATION AS WELL. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
05/08/2019	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	GA 30340	Web
There is an issue with an old account that is reporting on my credit report that should not be there. I had an issue with an account that was related to an injury that happened in 2010, yet it is still reporting on my credit information. I have tried to investigate this with both the company ( XXXX ) and XXXX, yet there is an issue with this STILL showing on my credit report stating that I owe {$130.00}. This needs to be removed off my credit report, yet it is still showing up. All that I ever receive is these notices from XXXX stating that I owe this money that I do not owe. This is way past the statues of limitations regarding it showing up on my report. This alleged debt is over 9 years old, yet there is nothing that I have gotten from them that validates that this is correct debt. I had insurance at the time and this needs to be removed. I have sent SEVERAL requests to have this validated and still nothing has been resolved. This needs to be removed from my credit report at once.
10/18/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AR XXXXX	Web
I'm being harassed by a HRRG, Healthcare Revenue Recovery Group , LLC. They have contacted many times daily plus sent an invoice which was charging me for an XXXX XXXX XXXX It is labeled XXXX XXXX XXXX XXXX. It is in the amount of {$1300.00}. I called them to give them medical insurance information because their invoice stated no insurance on file. They took the information and said that they would re-file it with my medical insurance provider, XXXX. I then received another invoice several weeks later stating that XXXX had denied paying the claim. I called XXXX and asked them why and they stated that nothing had been submitted regarding that date of service, etc. This company has a parent company named XXXX, who did the exact same thing with me. They call me many times per day and it sounds like a robot, which is trying to sound human. These false claims need to be stopped and the harassing calls need to stop. There are probably many individuals that they are scamming each day.
09/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33179	Web
This is a complaint against XXXX, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
03/13/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75056	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account number : # XXXX, Account name : ARS ACCOUNT RESOLUTION, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
08/29/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	RI 028XX	Web	Servicemember
I am getting calls from a debt collector that is not registered to collect debt in the state of Rhode Island. The name of the debt collector is Healthcare XXXX XXXX XXXX XXXX XXXX ( HRRG ). I sued HRRG in XXXX for attempting to collect debt without a registration in Rhode Island so they know their behavior is wrong. For over 10 years, HRRG has attempted to collect debt in Rhode Island without a registration and that is literally a crime here. I started getting calls in XX/XX/XXXX from HRRG. These calls were robodialed to my cell phone. I don't owe HRRG any money, so I sent them a certified letter, return receipt requested in XX/XX/XXXX and in my letter I told them, " Please don't call me ... .you have the wrong number. '' HRRG kept calling me after they signed my letter. HRRG responded to my letter and demanded my credit report! It is ridiculous for a criminal like HRRG to demand a credit report from me when I told them that they have the wrong person and to leave me alone.
01/27/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 60620	Web
This bill was for a hospital stay at XXXX XXXX XXXX XXXX XXXX in 2019, but my insurance has paid this invoice to the originating company. A separate company called ARS then began calling me 2 days after the hospital stay in XXXX had ended requesting further payment for a medical debt. My insurance information was then provided again, and my insurance was notified. The company ARS continued to call me several times and then began to interrupt me and not allow me to speak during calls. One representative named XXXX also told me that it didnt matter what insurance I had, I owed them and I was going to have to pay them or they would add it on my credit. I then told them not to contact me, but I was still later contacted both by phone and by mail. My insurance has paid all necessary funds to both the hospital and all adjusters involved, and has provided receipts to this company but it has not been removed from my credit and they refuse to receive any information except a check.
11/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77047	Web
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency : XXXX XXXX XXXX Credit Reporting Agency : XXXX Debt Amount : {$3500.00} Date of Debt :? I have been disputing this debt since XX/XX/XXXX with XXXX. I have asked for verification that I did any business with XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I finally called XXXX, and they stated that the collection agency " XXXX XXXX XXXX '' has verified the account. I then called XXXX XXXX XXXX and asked them to produce something that shows this is my account. They only said that they have my name, social security and an address that I never lived. I then hung up with them and called XXXX XXXX XXXX XXXX XXXX XXXX ( the original creditor ) and asked them to produce a signature or document from the original date of service and she did n't have it and referred me back XXXX XXXX XXXX. They have not produced any item that shows this is my debt. I am requesting that this be removed from my credit report
06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77021	Web	Servicemember
Hello. XXXX XXXX, a consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). ARS Account Resolution has violated my rights. Litigation in the works now to resolve illegal matter. 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Delete this account immediately from all three major credit bureaus. Failure to do so will result in litigation. XXXX : Act # XXXX XXXX : Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Act # XXXX
07/24/2019	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	OK 73115	Web
I received a two letters from ARS that was date stamped as of XX/XX/2019 with a date of service on XX/XX/19 from XXXX XXXX of XXXX, one has a balance of {$1000.00} and the other has a balance of {$1100.00} that states they verified the information and confirmed the balances are correct. I responded on XX/XX/2019 with a certified investigation letter asking for more information on these debt. ARS sent the exact two same letters out again with a date stamp of XX/XX/2019 with no valid proof this debt belongs to me. As I stated in the original investigation letter my rights per the Fair Credit Reporting Act, is to challenge anything I am not sure is accurate and request for valid proof. Also according to 15 U.S.C. Sec 1681i, if they aren't able to provide proof of these account they aren't able to collect or report them to credit reporting bureau. Which all of this is to be completed per the Fair Credit Reporting Act within 30 days of the date they receive my letter.
11/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33596	Web
XXXX is reporting a balance of {$260.00} on all 3 bureaus. I sent several letters to get more information on the debt and to get proper validation to no avail. I called the bureaus directly and XXXX to get proper documentation of proof of debt. Neither bureau or XXXX were able to provide me with proof or the debt validation. They just said it was a medical bill from 2019 from XXXX XXXX and that's the only information they can provide as they don't have anything else. I have tried to get a proper verification and haven't been able to. I have worked really hard to keep my credit clean and this is hanging in there. I have no problem paying for something is mine. I have no recollection of such debt/account and they can't give me anything either. XXXX advise me to file a complaint with you. In addition, the bureaus continue to change the day of last activity on a debt from 2019. They change the date of last activity to the current month resetting the clock every time.
04/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53051	Web	Older American
The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment RoboCall They call numerous times Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts. No verification of this debt. They are supposed to send within 5 days a written communication and they have not. Calls repeatedly throughout the day. Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past years, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.
07/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 330XX	Web
On XX/XX/XXXX, I received a updated request on a dispute I filed with my credit bureau XXXX XXXX XXXX in regards to a debt collection from XXXX. I attested that the debt was not correct and the information provided could not be verified due to multiple reasons. I have made several attempts to contact the debt collector entity ( ARS Acc Resolutions ) to provide more detail in regards to the case and unfortunately all attempts were unsuccessful. On XX/XX/XXXX XXXX has decided to closed the dispute and claims that the debt has been verified and accurate. As stated in the recommendations in the following of the dispute. I have made an additional two attempts to contact ARS solutions and on both attempts the representative disconnected the call and placed me on hold for the third attempt. I am completely unsure of how to get any additional information in regards to the status of this case and would just like any further information before submitting any payments.
12/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	WY 82007	Web	Servicemember
I got a bill from HCFS Healthcare Financial Services LLC, XXXX BILLING CENTER, XXXX , XXXX, OH XXXX The bill amount is {$38.00}. It says that the bill is for services provided to me at XXXX. It does n't say when what kind of services. The bill does n't show which location exactly the services was provided to me, it does n't mention any city name and neither does it spell right the name of the hospital correctly. It does n't say the date that service was provided to me. The bill looks fake because I always get bill directly to my Hospital account. I called billing service of my hospital, the billing services told me that I do n't owe them any bill at all and they always post bill at my hospital account billing summary. They do n't send third party to collect my hospital bill. When I verified with my hospital billing department, they told me that they do n't have any business with HCSF Healthcare Financial Services , LLC XXXX BILLING CENTER XXXX XXXX OH XXXX
01/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77379	Web
ARS Account Resolution has reported a collection account to my consumer credit file.I do not owe this alleged debt! This is a legal matter and a letter of protection was placed on this account in XXXX of 2019 by my attorney XXXX XXXX. Second, ARS Account Resolution HAS NOT SENT any written notice of collection to me at all. ARS Account Resolution is violation of the FDCPA! If ARS Account Resolution has the right to collect in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUAL DOCUMENTS INCLUDING THE LEGAL LETTER OF PROTECTION stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt in question in which ARS Account Resolution has reported to my consumer credit file. ARS Account Resolution has no legal right to attempt to collect a debt as this does not belong to me. Again, ARS Account Resolution has not validated this debt nor sent me any notice of collection
09/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 14225	Web
ARS appeared on my credit report. It shows a medical bill from mercy hospital. I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS medicaiad and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked ARS for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXXl really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.
06/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45011	Web
XXXX has shown up on my credit report for the last 4 years. It states I had an emergency room visit in XXXX of 2015 and that my insurance did not cover the cost. Which is {$460.00}. I have contacted several different people within the XXXX network of XXXX ohio and no one has an outstanding bill for me. Or a record of the visit. I do not recall seeking emergency treatment at that time, and if I had I have had health insurance for XXXX solid years. I have disputed this account with XXXX with equifax, XXXX XXXX, and experian, as well as the bbb. Their only comment when I contacted them was that since it shows on my credit report, I owe. I have not received a formal XXXX from any hospital or health insurance claim. And I do not believe XXXX is handling this situation In the correct way. This is destroying my credit, and is highly inaccurate. The dates, amounts, and place are not right. And no one has been able to tell me exactly what I am Being charged for.
01/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60438	Web
On XX/XX/2021, I reviewed my credit file for any updates on my XXXX, XXXX and XXXX credit files, but what I noticed was that ARS had added another XXXX Accounts - XXXX XXXX, without issuing a notice to me or documentation showing proof of the claim, so that I could have my insurance company billed correctly. The current account on my credit files is for XXXX # XXXX in the amount of {$900.00}, along with my last request for compliant, that was closed by CFPB # XXXX, dated XXXX, in the amount of {$470.00}. Again, they have yet to issue proof of the claim for the XXXX Bills, provide proof that they provided documentation, since they claim to be the original creditor. I believe once again this agency has violated my rights as a Consumer ; the right to have the information be accurate and be informed of any debts on my credit before giving me the right to dispute before altering my credit files, per the FCRA. My next step is to the Attorney General Office.
05/03/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 95206	Web
Hi, It shows in my credit that I owe {$720.00} and it was opened on XXXX XXXX . The name of the creditor is called ARS Account Resolution. The second creditor that is charging me money on creditor is charging me {$2200.00} and it was opened XXXX XXXX . The creditor 's name s called XXXX XXXX XXXX . I did not take my daughter to the hospital during the months that is shows in my credit reporting. I have been false accused of taking her. Can you please ask them to check the signature of who signed the release medical information? Also, ask them to print me the ID that was used when the person went to the hospital? I do not understand why I am being charging of something I did not do. I just want the creditors to fix this issue they are accusing me of. I hope you can remove these XXXX charges out of my credit which are the amounts {$720.00} and {$2200.00}. Thank you for taking the time to read my complaint. sincerely, XXXX XXXX XXXX
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33407	Web
I have tried to resolve issues with Account Resolution Services ( ARS ) a number of times and it still is reporting on all 3 of the credit bureaus. In my last attempt I sent a certified letter ( number XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/2023 to ARS asking them to send me a mutually signed novation with regard to the alleged debt. They have yet to respond ( about 5 months ) and they have 3 accounts still listed all for the same amount {$970.00}. Even if they still think they have a valid claim, which I do not think they can validate it, plus their non-response to my letter constitutes an agreement where they are barred from legal action to the alleged accounts, [ 15 USC sec 1692e ( 8 ) ] states that they must, minimally, inform the credit bureaus that the debt is disputed. I am uploading the letter that I sent plus the green return receipt card for the certified letter as proof that they received it. Thank you in advance for your assistance
03/26/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77071	Web
Hello, I am reporting ARS Account Resolution Services. I sent two letter asking for verification of debt and they will not send me the information I asked for. It is a repeated hetter stating : " As you are already aware, ARS represents XXXX who provide services in healthcare facilities throughout the country. In response to your request for verification of debt we have listed the amount below. ARS has verified this information with our client. ARS denies there are any inaccuracies in the account balance reported to the credit bureaus. '' I sent the verification letter XX/XX/21 and they sent a letter XX/XX/21 not giving enough time to properly verify this account nor sending me the contracts and documents of proof that I asked for twice. ARS continously fails in giving me documents pertaining to this account. I have called and apoke tonrude representatives who will not help in verifying this alledged account. Their practices are shady and unethical.
01/30/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33331	Web
ARS is a medical collection agency that has been sending me collection letters for {$1000.00}. I sent the a letter requesting the address of the medical provider so I can go there in person to check why am I getting collection letter and instead they responded that they represent physicians who provide services in healthcare facilities throughout the country. And then they mentioned that in response to my request for verification of debt they have listed this information : Creditor : XXXX XXXX XXXX Account XXXX Amount owed {$1000.00} Service date XX/XX/2016. Not only are they not sending me the signed medical registration I requested from them. But as you can see, there response is vague. I don't know who XXXX XXXX XXXX is to g and investigate myself and they don't give me address, name of doctor or telephone number to the medical facility. And also if the service was 2016, why are they violating statute of limitation law if there time expired.
12/11/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34953	Web
My husband and I have not been home for quite some time due to the past hurricane activity these past few months, the damage that was incurred to our home, and the fact that I am currently XXXX and giving birth XX/XX/2017. I have not received any notice pertaining to this debt and have not been given an opportunity to rectify it prior to this debt being reported on my credit report. My insurance deductible and copays have been met for my policy, it is impossible for me to owe a balance at this point in time. This collection account needs to be validated and I deserved an opportunity to dispute it before my credit was ruined by these third-party fiscal parasites. I am currently in my last trimester and due to give birth in two days, the stress that is being placed upon me by these devious tactics is undeserved. I promise you that if I experience any complications with my baby due to this anxiety you will most certainly be hearing from my attorney.
06/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85009	Web
Hello I have repeatedly asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. To provide proof under the Fair Debt Collections Practices Act ( FDCPA ) to provide proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding me to pay this debt. There has been no signature or any type of paperwork on what is owed. I have not got any response from the company besides a plain paper with amount owed. This is hurting my credit score and causing problems with my finances, I believe not showing proof is against the law from collection practices. Please stop reporting this account to the credit bureaus if you can not provide any proof to me.I have certified records of the letters that have been sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have not been shown for months any kind of proof this is my account. Thank you
10/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77018	Web
After looking at my credit report in XX/XX/2018 I found a medical debt on the report I did not recognize. I sent the debt collector a Demand for Verification by Certified mail Return Receipt demanding verification. The debt collector did not respond within 30 days. In fact they still have provided no verification. I spoke to a representative of the company on XX/XX/2018 and asked where the information was being sent. She informed me that the letters were being sent to an address I did not have and have not had for over two years. In the validation letter my address appears in BOLD print on all 3 pages and under the signature. Yet they did not respond to that address. They did not list the debt as disputed on my credit report during the validation period. I spoke with the President of the company and I explained that his company failed to respond and asked that the report be removed from my credit bureaus reports. He stated he couldn't do that.
12/11/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44070	Web
XXXX Account solutions has been reporting accounts in the total sum of {$3200.00} for four separate accounts. Two of these accounts were also reported by another agency in the same amounts which was inaccurate. I have previously communicated with this creditor in the past requesting validity of this debt and had not received a response. In order to track communication with this creditor so that I can get the information I have been requesting, I sent them a certified letter asking for validity of this debt. I sent this letter via certified mail on XX/XX/XXXX that was delivered on XX/XX/XXXX and received correspondence via letter from this creditor on XX/XX/XXXX. They did not respond to any of my validation requests and have not provided me sufficient information. This information is inaccurate. I have done my due diligence in trying to rectify this situation and they are not willing to work with me or provide me with the necessary information.
12/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32927	Web
I received several collection notices from XXXX ( XXXX XXXX XXXX ) and responded immediately to dispute the alleged debt. I asked for the documentation relating to the alleged debt ( actual bill, signed copy of any document that obligated me to become indebted to the creditor, proof that XXXX owned the debt, and registration and licensing documents showing they are registered with the State of Florida to lawfully collect debts in the State of Florida as required pursuant to Florida Statute 559.715 ). XXXX refuses to send the documents, including the licensing and registration documents showing they are legally operating in the State of Florida ( XXXX is located in Ohio ). XXXX has admitted they don't have the licensing or registration in the State of Florida. In each of my responses to XXXX I continue to ask for the above mentioned documentation yet they refuse to produce them. Can you please look into this company 's practices. Thank you
06/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33025	Web
account resolution servi is reporting to XXXX, XXXX and XXXX that i owe them {$780.00} {$710.00}, i am not sure how they got these calculations because i never did business with them. i been disputing this account since 2018 and haven't gotten any response from them besides a attempt to collect on the alleged debt. they had 30 days to complete the re-investigation, yet they have failed to respond its been 2 months any Further delays are inexcusable. i am looking to get custody of my kids and need to move to a bigger apartment but this one account is holding me back. I have been more than patient with this company. It is unfair to my kids and I, it's like I have no rights over my report. please remove this account from my credit report they have no provided me anything to support the fact that i owe them money. They need to successfully discharge the debt or seek a different type of remedy besides ruining my credit. account number XXXX XXXX
04/27/2022	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 19082	Web
The DOS was XXXX none of my hospital bills were NEVER SENT to my insurance XXXX XXXX XXXX XXXX the collection agency keep harassing me telling me to pay I try explaining that I never reciprocate the bills they were mailing to an old address the hospital also listed me as SELF PAY with all my insurance information on file I contacted the Hospital XXXX and they confirmed they never sent to XXXX!! XXXX contacted both hospital and agencies requesting them to put these account on hold on XXXX they have still been calling me and sending letters with new dates of open debts so they are still reporting as if this was updated debt whn two representatives spoke to me and the insurance company stating it was on hold the hospital billing department call me saying they pulled it from collection but the collection company called me after all these conversation with hospital and collectors still asking for payment I reach out to management team no reply
03/07/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 77406	Web
Due to the fact that my choice above on why this is a false statement case if not above for me to choose. I have to explain my case here below. and I am just picking one so I can file this case.I file a case with the CFPB in XX/XX/2016 case number ( XXXX ) on Account Resolution Services. They replied back that they are registered and bonded by the State of Texas to collect debt. That is a false statement that they reported on my credit report. I have the proof that they are not in legal standing with the State of Texas they should be removed from my credit report. On the grounds of Services because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State.
11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77053	Web
Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
07/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08861	Web
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information it has been over 30 days and i still have no response. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. Collection ARS Account Resolution : Balance : {$1000.00} Collection ARS Account Resolution : Balance : {$1000.00} Collection ARS Account Resolution : Balance : {$1500.00} I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
06/19/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32839	Web
This is the second complaint I have filed against this company. They continuously report a debt that has already been paid. I have requested validation that this was not paid and they have failed to do so. I have requested a bill supporting the charges for the services they claim have not been paid and they have failed to do so. I provided my proof showing the bill has been paid in full TWICE via mail and fax and this company has failed to remove their collection from my credit reports. ARS keeps sending me a letter with an invoice number and an amount owed and as I have told them multiple times THAT IS NOT VALIDATION! At this point if this is not removed I will be seeking legal representation for misrepresentation. This company continues to violate my rights under the Fair Credit Reporting Act by not providing me what I have requested. If ARS can not provide valid documents showing this was not paid, then I want it removed immediately.
01/17/2019	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 XXXXX	Web
Requested from XXXX XXXX XXXX exhibit C date XX/XX/2018 they could not show any evidence on this alleged account but claimed they bought it, no contract no evidence its my account they then reported CRA 's with out proper validation as I requested.I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all it's mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certification in testimony that the alleged account presented in Exhibit C are in fact compliant and not subterfuge?
11/05/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32792	Web
ACCOUNT NAME ARS ACCOUNT RESOLUTION XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
11/05/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32792	Web
ACCOUNT NAME ARS ACCOUNT RESOLUTION XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
07/30/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33167	Web
I have sent 2 certified letters requesting the validity of this debt they have yet to reply or give me my request for all accounts listed below. The dates the letters were sent XX/XX/XXXX & XX/XX/XXXX. They were both signed and returned stating someone signed for them at the company. I have left 3 messages for a supervisor no one has called me back. I have disputed this VIA XXXX they have not sent back the correct information. ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$870.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$870.00} ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00}
07/05/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77396	Web
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Account Resolutions Services. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Account Resolutions Services. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of Account Resolutions Services.
07/05/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77396	Web
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Account Resolutions Services. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Account Resolutions Services. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of Account Resolutions Services.
03/21/2018	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 77082	Web
I have contacted XXXX XXXX XXXX regarding Account # XXXX & XXXX at the address listed below via certified mail on XX/XX/XXXX and XX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts and nothing showing any signature or authorization. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) XXXX is not bonded with the state of Texas to collect any debt. Collection Agency Information XXXX Account Type Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
10/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 707XX	Web
I recently pulled my credit and notice XXXX XXXX XXXX is reporting a balance of {$1100.00}. I've sent four letters to this company asking to verify this debt. Along with a lot of other things I asked this company to send, I also asked for a copy of the hospital agreement with my signature. I have not received anything but a print out of a balance they claim I owe. I am a twin and they mix our files up at the doctors office/hospital ALL the time! How do I know that this debt is mine?? Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.
10/24/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33024	Web
ARS ACCOUNT RESOLUTION Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
04/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 62002	Web	Servicemember
I've wrote to all 3 credit bureaus to address some errors i've found on XX/XX/2020. As a result of this dispute the information came back verified. In which I totally disagree with. So I followed the steps as directed by XXXX that I could dispute this item directly with the furnisher. So I wrote an letter to Account Resolution Services requesting to validate this debt they have listed on my credit report. They responded with a print out with vauge information. I asked how can I or anyone determine that this can belong to anyone. I've been scammed before this exact same way! So I sent a follow up letter on XX/XX/20. Please provide this information and what were they methods? So that I may compare them with my records. This company has failed to respond to reinvestigate this matter, but continue to report on my credit report as resolved but consumer disputes. I am XXXX Veteran. All of my medical needs are handle by XXXX VA Hospital.
05/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web	Servicemember
XXXX XXXX has been reporting to all three credit bureaus since XX/XX/XXXX. I have been requesting this company to verify the debt they claim I owe them. I have disputed with all three credit bureaus and none have provided documentation. ARS collection company has sent me a letter stating they understand I am disputing the information to be verified and they just stated in the letter that it was verified and mine. They state on my credit report that the original creditor is XXXX XXXX XXXX XXXX XXXX which I have no knowledge of ever being seen by anyone by this name. Further more I was working and had medical insurance through both my employer and a secondary insurance plan with the VA because I am veteran. This has been going on for 5 months now and really causing a hardship because of this inaccurate information on my credit reports. XXXX actually removed the debt on XX/XX/XXXX but added it back to credit profile on XX/XX/XXXX.
05/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33169	Web	Servicemember
I pulled a copy of my credit profile through XXXX and saw that a collection account regarding account # XXXX and XXXX which ARS Account Resolution claim I owe {$1300.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. 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 ) fr om your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
11/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34142	Web
XX/XX/2020, I received a letter by mail stating I owed a debt and that was an attempt to collect this debt. Healthcare revenue Recovery Group ( HRRG ) is the company stating I owe this debt. I will be sending a similar letter to the major credit bureaus as well. I have sent two letters to them and I have still not received a response from them and it will be a month from my dated letter, and I have not received a letter or response from either company. This is not fair as these companies are reporting these debts on my credit report, harming it without validating and proving this debt belongs to me. I have asked them to validate these letters. They do not provide the information I am asking of them. I have sent them a failure to validate that this debt belongs to me. I have attempted two times. One gives them 30 days and the second time gives them 15 days to gather their information as they are failing to validate this debt.
05/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22980	Web
I went into the XXXX room back in 2018 and was fully insured. Under my insurance plan, the deductible had already been satisfied so the visit should either be covered or paid up to 80 % as per my XXXX XXXX XXXX at the time. I spoke with an ARS representative and said this information was correctly filed by XXXX XXXX XXXX XXXX but I still owed the full amount of my visit. The rep told me that I could not speak with them and I could only go through ARS to resolve this discrepancy. Since this was an error on XXXX XXXX XXXX XXXX, they should be held accountable for incorrectly filing the claim which has now impacted my credit score for over 3 years at this point. I estimate with the higher interest rates I have paid due to this having an adverse affecting my score is roughly $ 15,000-20,000. The only reason I was able to find this debt was due to me running a personal credit report to find out why my credit score won't change.
07/11/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78728	Web
I was checking my credit report when a company called XXXX XXXX XXXX XXXX XXXX PA showed up as a derogatory remark on my report. I contacted all XXXX credit bureaus to try to get information on what this account was and they told me to contact them. I did and they informed me it was from a previous visit from their hospital. I informed them I am not sure who they were and what the charges were in regards to and if they could submit information or proof, such as a form I signed or anything and nothing was sent. I contacted my credit bureaus to dispute the services and charges due to I never signed anything with this company and they removed themselves from my XXXX report but stayed on my XXXX and XXXX . I went through the dispute process again and asked to submit documentation of what i signed wi th ARS showing I owed them and still nothing has been sent to me. This has been ongoing since XXXX XXXX .
09/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08060	Web
Ive just reviewed my credit report and noticed the following inaccurate items. I understand that before any account or information can be furnished to the credit bureaus ; all information and accounts must be 100 % accurate, verifiable, and properly validated. I am not disputing the existence of this debt, but I am denying that I am the responsible debtor. I am also aware that mistakes happen, I believe these accounts can belong to someone else with a similar name or with my information used without my consent either from the furnisher itself or an individual. I am demanding physical documentation with my signature or any lagally binding instruments that can prove my connection to these erroneous entries. Failure to fully verify that these accounts are accurate is a violation of the FCRA and must be removed or it will continue to damage my ability to obtain additional credit from this point forward. ARS ACCOUNT RESOLUTION
10/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32707	Web
ARS Resources has failed to comply with Fair Debt Collection Practices Act, 15USC 1692g Sec.809 ( b ) and should be penalized by false statements to CFPB. No letters were ever sent to my consistent dwelling of 6 years, there was a data breach publicized due to XXXX XXXX negligence during the period in question and this 3rd party collection agency has failed to provide any evidence of its response for a verdict to be rendered. I have requested to be provided with copies of any papers that show that I agreed to pay ARS. Prove the statue of limitations has not expired on these accounts. ARS is a licensed medical provider equipped to solicit finance for thus stated services rendered. Provide me with ARS license numbers and registered agent providing statements for VALIDATION made pursuant to the above named Title and section. Im considering a FTC complaint against XXXX due to failure to comply with laws and statues mentioned.
12/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33137	Web
On XX/XX/2019 I received a collection notice from Account Resolution Services, stating that I owed a debt that I did not recognize and was informed I had 30 days to dispute the validity of the debt. On XX/XX/2019 I sent a debt validation letter, requesting information on the original creditor, including but not limited to -- name, address, amount owed, and a copy of the original contract. On XX/XX/2019, I received a response that I deemed insufficient. On XX/XX/2019, I sent another debt validation to Account Resolution Services, since I do not owe this debt. The responded XX/XX/2019, and again, the details they provided were inadequate. They have failed to provide sufficient documentation that this debt is mine, namely they have not been able to provide the original contract. I have contacted the three credit bureaus to dispute this debt and would like you also to be aware of their lack of cooperation regarding this matter.
07/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33023	Web
Previous complaint number XXXX. Company responded to the complaint with the following : There is no question that the consumer provided insurance information on the dates of service in question XX/XX/XXXX andXX/XX/XXXX, however, the consumer 's carrier denied payment for the claims. We have flagged the accounts as in dispute, and have provided the consumer with the required validation. We have verified with our client that the information being reported is accurate. My response to new complaint : If my insurance carrier denied payment for the claims you mentioned, this means that they notify you and they notify me. They never notified me, if they had notified me I would have investigated the reason back in XXXX. Therefore, I am sure that they notified you, so you have documents to back it up. Please provide those documents so I can contact the insurance carrier to investigate why they denied the claim and did not notify me.
11/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AR 724XX	Web
I sent a certified procedural verification letter tracking # XXXX delivered and signed by XXXX XXXX XXXX XXXX from USPS on XX/XX/19 and has been 30 days since they received the letter. I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that E-oscar is unacceptable for verification. However, I have not received any response at all from XXXX and I have not received any information from anyone to verify these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
10/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
A few weeks ago I got a call from the XXXX XXXX XXXX XXXX collections. I have no medical debt that I know of. Although my name matches their records, they confirmed that my birthdate did not match their records. We also established that I did not live at a XXXX XXXX, CA address. I was told that the information discussed would be noted, and I expected that I would not be getting more calls. This evening I got another call from the same company. I let them know that I thought that I would be removed from their call list since I am not person they are looking for. I gave them my birthdate again and XXXX confirmed that my birthdate did not match their records. But, instead of telling me that this issue was resolved she told me that my phone number was the one that was given, that they do not remove numbers from the call list, and good luck. Since this is not my debt, I did not ask for the date or about the amount owed.
01/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20011	Web
The Healthcare Revenue Recovery Group ( HRRG, aka XXXX XXXX ) has been billing me for a payment that is not my responsibility since XX/XX/XXXX. I suffered a medical emergency in Michigan and was taken to the Emergency Department at XXXX Hospital in XXXX, MI on XX/XX/XXXX. At this time, I was fully covered for healthcare under XXXX serving as my healthcare provider. I learned that XXXX had been repeatedly denying my claim for {$1100.00} and HRRG has since been harrassing me with phone calls ( which I continued to receive while I was out of the country for a XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX ). I repeatedly paid HRRG/ XXXX XXXX several payments of {$96.00} per month between XX/XX/XXXX-XX/XX/XXXX and informed them that I had an insurance plan with XXXX . They confirmed this information, billed XXXX and received payment from XXXX yet are denying that they did so and are continuing to bill me in the amount of {$850.00}.
08/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KY 40160	Web
I have tried to send numerous letters disputing inaccurate information reporting to my credit reports, I got the letters back saying the address on file is incorrect. I sent them certified mail with receipt. I have copies of the letters, it 's to the collection accounts on my credit reports. The addresses and information is incorrect, I tried contacting the credit agencies but I have n't had any luck with them. I keep getting responses back telling me that the information on my credit file is correct when the information they send me is n't correct the addresses that is being reported is incorrect. I used google to locate a address for some of the accounts on my reports that listed a number with the address. This should be removed off of my credit reports due to inaccurate information on my credit reports, this is on my Transunion Credit report and XXXX credit report. XXXX reports have inaccurate information on them.
08/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH XXXXX	Web	Older American
Account Resolution Services ( ARS ) has been calling my cell phone on and off for the past six months in an effort to collect a medical debt that is owed by the person who was previously assigned to the cell phone number that I now have ; that cell phone number was randomly assigned to me by XXXX on XXXX XXXX, when I purchased my new cell phone from them. I do not know who that person is ( they are trying to contact ) nor his whereabouts. I have on numerous occasions asked ARS to stop calling my newly issued cell phone number, but they laugh at me and tell me to have a nice day. I have previously filed complaints with the cfpb, the OH AG 's office, and the DNC registry ; yet, ARS continues to call my cell phone number. For example, they have called my cell phone number five times so far this month - and, we are barely past mid-month. I am XX/XX/XXXX and consider these calls to be harassing and a form of XXXX abuse.
05/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
ARS Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above.
08/27/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 225XX	Web
have received illegal post correspondence from HHRG regarding The Fair Debt Collection Practices Act 15USC 1692 states that the bill has the following listed violations. 15USC1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails 15USC1692D ( 2 ) language the natural consequence of which is to abuse the hearer or reader. 15USC1605 ( a ) Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of ALL charges. 15USC1692F ( 7 ) Communicating with a consumer regarding a debt by post card. 15USC1692e ( 2 ) ( a ) the amount of any debt. 15USC1692b ( 2 ) not state that such consumer owes any debt HHRG has not responded to any correspondence since my first certified attempt on the collection of fines. HHRG XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX
03/12/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33069	Web
XXXX is reporting an account on my credit report that I have no knowledge of. I have asked them multiple to provide me detail about this account such as doctor name, full account details, documents with my signature, etc. The only thing they have sent me was a type letter from them. This does not provide me any information to research the account. Furthermore, the letter was sent to a family member address and not mines. I have family members with similar name, and I believe this account may belong to one of them. XXXX has not sent anything I have asked for, yet they continue to report on my credit report stating the account is accurate. Its obvious that have not research it because the address is even incorrect. Also, I have the right to know what they are collecting to confirm if the charges are correct. I need this account removed from my file immediately. XXXX is violating my rights and damaging my credit.
06/01/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44070	Web
I have collections account reported by ARS Account Resolution. The original creditor for all of these are XXXX XXXX XXXX XXXX . I have not obtained validity of any debt or any communication from the original creditor. I have had insurance during this period. I have tried calling the original creditor and have not been able to get in touch with someone that can assist me. I do not know who this company is and what services I am being asked to pay for. This has been on my credit report for some time now and I was not aware of this organization. Date of Delinquency : XX/XX/XXXX ; Date Assigned : XX/XX/XXXX ; Amount : {$610.00} Date of Delinquency : XX/XX/XXXX ; Date Assigned : XX/XX/XXXX ; Amount : {$910.00} Date of Delinquency : XX/XX/XXXX ; Date Assigned : XX/XX/XXXX ; Amount : {$1000.00} Date of Delinquency : XX/XX/XXXX ; Date Assigned : XX/XX/XXXX ; Amount : {$610.00} Thank you!
05/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70508	Web	Servicemember
On XXXX XXXX , XXXX , I pulled my credit report and notice a medical collection from XXXX XXXX XXXX XXXX that does not belong to me. I attempted to contact and dispute this with XXXX acknowledging the debt not being mine, yet they sent an itemized invoice under their letterhead. I, then, disputed this account again with the company on a later date notifying them the account is not mine, and the information provided is a violation to HIPPA la ws for sharing someone 's medical information. I have no dealings with this company, nor have I signed any contract with them. If what they provided were mine, they are in violation of HIPPA by obtaining/purchasing medical information as a third party from a medical facility. Continuing to report false information about me is slander and I have no problem and will seek legal actions and punitive damages for the hardship this allege debt is causing me.
10/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78753	Web
ARS is attempting to collect a debt that I have repeatedly notified them that I do not owe. This has been disputed and documented several times however they refuse to remove these debts from my credit report. I have requested validation and method of validation as well as disputed with the credit bureas yet these inaccurate and fraudulent debts continue to report. I have no knowledge of who ARS is or any debt owed to them nor has any PROOF been submitted to me. In addition upon research on their collection agency, I found out that they are not registered to collect any debts in the state of Texas yet they continue to fraudulently post these alleged debts on my credit report stating that it meets FCRA requirements. These alleged medical debts also violate HIPAA privacy rights The alleged debts are as follows : ACCOUNT # XXXX {$560.00} XXXX {$930.00} XXXX {$930.00} XXXX {$480.00} XXXX {$130.00} XXXX {$200.00}
07/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32746	Web
To whom it may concern, I sent out a debt validation letter to ARS Collection agency. asking for them to validate the debt the say I owed them. This is the following things I asked them to validate and verify : 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 ; Date of alleged services List of services/procedures performed Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Provide a copy of my signature from the provider showing my request to release information to you Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. I only received a letter stating my balance. I will upload the letter This is a FDCPA violation and also FCRA violation.
09/06/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA XXXXX	Web
ARS Account Resolution, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Three unauthorized credit inquiries for medical bills in the amount of {$340.00}, {$290.00}, and {$970.00}. XXXX XXXX. XXXX XXXX is using my social security number to advance funding and conceal fraud with my medical bill from my XXXX on XXXX, mortgage and income tax fraud with XXXX for property address XXXX XXXX XXXX, XXXX, VA XXXX, knowledge of IRS Valuation XXXX forms that were sent to the IRS, check fraud payments with XXXX that has resulted in a {$170.00} million class action suit revenue that is due from the IRS, fraud of phone bills payment with XXXX XXXX, and forgery and fraud with XXXX and XXXX XXXX XXXX, and knowledge of XXXX letter that was sent on XX/XX/XXXX, fraud with XXXX, and release of information from the City of XXXX XXXX XXXX Department. I am imposing a {$560000.00} denied participation fee for this entity. XXXX XXXX XXXX
12/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32832	Web
I have requested debt validation from ARS collection in regards to XXXX accounts I supposedly have with them. One for {$1600.00}, another for {$440.00}. and the last for {$390.00}. I sent out my first debt validation letter at the end of XX/XX/XXXX2021 and what I received in response from this company was a bill dated XX/XX/XXXX with someone else 's name on it. Showing with only two of the three accounts, but the one not on the bill ( {$1600.00} ) shows on my credit report from them. I sent out a second debt validation letter on XX/XX/XXXX, this time certified mail. It shows picked up on XX/XX/XXXX. I have not received further response from this company on the required information I am asking for. I do not have knowledge where these bills are coming from and what they are for. They continued to show up on all XXXX credit bureaus and want them to be removed if they are not providing any information to me
01/21/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 891XX	Web
On XX/XX/17, I sent a certified letter to ( XXXX ) XXXX XXXX XXXX, in regards to an alleged debt that I owe. I do n't recognize this debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. I received a letter back, showing a total of 3 different accounts from XXXX of Nevada, I have no idea who they are!!! I asked them for written validation of the debt reporting on my credit bureaus for {$36.00}. Now this letter is showing 3 accounts, {$36.00}, {$19.00} and {$19.00}, the letter states all 3 accounts are delinquent and may have been reported to the credit bureaus. I still have n't received the written validation for the alleged debts. In addition, ( XXXX ) XXXX XXXX XXXX has reported this alleged debt of {$36.00} to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of the debt.
01/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33604	Web
On XXXX I mailed a debt validation letter to ARS Account Resolution, and they failed to validate a debt at my request. Account # XXXX I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( INPHYNET CONTRACTING SRV LLC ) 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 twofold and as follows : Validation of Debt and HIPPA Authorization - Please provide a 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 debt has been validated by me
03/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32955	Web	Servicemember
I was checking my credit to make sure everything was ok before I went to the car dealership. I opened my XXXX report via the website and went through all the tabs. When I got to the debt collection tab it listed a debt of {$1500.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX. The collection agency is ARS ACCOUNT RESOLUTION in XXXX FLORIDA. This Is not my debt. I have a fraud alert, and a credit freeze on my credit. I don't know how this ended up on my credit. I did a XXXX search of the creditor name, and it appears to be a doctors office in Pennsylvania or Texas. I have never lived in either state. I am retired from the Military, and I get free medical care from the VA, and use XXXX. I have never had to pay anything that, and it is not mine. I called ARS, the collections agency and they stated they have no record of my name or ssn. How could this happen? This could ruin my credit. Please remove this ASAP!
12/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 731XX	Web
There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : ARS ACCOUNT RESOLUTION XXXX XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
04/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
Last year 2017, I notice that XXXX XXXX XXXX was reporting several collections on my credit report. I have disputed these accounts several times directly with the credit bureaus, they responded that the collection agency has verified the accounts as belonging to me. However I have not received any physical proof of how these accounts were proved to as belonging to me despite my numerous request. Disputes directly to the credit bureau were sent XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 and as of date no physical proof of how these accounts were verified were sent to me. I even went further to contact the collection agency directly and request validation of debt as of date this company has failed to respond to my numerous request and also continuous to consistently report negative and inaccurate information. Request for the debt to be validated was sent via certified mail XX/XX/2017.
07/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OK 731XX	Web
There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : ARS ACCOUNT RESOLUTION XXXX XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
05/06/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WY 824XX	Web
ARS ACCOUNT RESOLUTION at address ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has been sending me collection notices in the amount of ( {$800.00} ) 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. I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. In accordance with the Fair Credit Reporting Act, XXXX Account ( that goes by ) : ARS ACCOUNT RESOLUTION, ARS ACCOUNT RESOLUTION SERVICES, ACCOUNT RESOLUTION SERVICE, and ARS ACCOUNT RESOLUTION SERVICE, 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
08/08/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48111	Web
Healthcare Revenue Recovery Group ( HRRG ). An agency claiming to be a Medical bill collection agency, are in fact a complete fraud and are stealing money. They have harassed me for months now. They are part of fraudulent entities within the continental United States acting as legitimate bill collectors, where they have harvested information from health providers. They collect the private user data and then use a company to produce mass mailers to collect the money In XX/XX/XXXX, I had a hospital bill that was paid ( late ) but directly to the Hospital. I started receiving letters and call from HRRG in XX/XX/XXXX. The latest letter being dated XX/XX/XXXX and a phone call 3 or 4 times a day since XXXX of XXXX. A simple XXXX search of this company will verify that they are a fraud. HRRG XXXX XXXX XXXX XXXXl XXXX, FL XXXX XXXX XXXX XXXX With a mailing address of XXXX XXXX XXXX XXXX, OH XXXX
04/18/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA XXXXX	Web
I joined XXXX in the beginning of XX/XX/XXXX. They sent validation request on my behalf to XXXX. I then sent my own validation letter ( 2nd request ) on XX/XX/XXXX via USPS Certified Mail. In the letter I requested definitive proof that the debt they are trying to collect is indeed mine. I have yet to receive the requested validation, instead I have gotten the SAME EXACT response letter 3 times now, saying the debt has been VERIFIED. On XX/XX/XXXX I submitted my first complaint to your office because the mandatory 30 day waiting period lapsed ( Complaint # XXXX ). XXXX then responded that they did in fact validate the debt, which is absolutely false, ( attached are copies of our communications. ) I sent my THIRD request for validation via USPS Certified mail on XX/XX/XXXX. Surprise, surprise! I got the SAME letter again. This debt has NOT been properly validated and I want PROOF that it is mine.
07/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23234	Web	Servicemember
My complaint is against ARS Account Resolution for 13 medical billings on my credit report. This is re-aging of accounts which is not a legal practice. For this unlawful practice I requested that they remove accounts from my report, they refused. I also disputed the items through each credit bureau requesting they advise the agency of these unlawful practices. Some were removed from XXXX and XXXX. XXXX did not remove any. I also am filing a complaint XXXX actually allowed the collection agency to correct the dates after I submitted my dispute for re-aging of the accounts unlawful practice an. I contacted all three bureaus and complained and resubmitted the disputes for unlawful re-aging, awaiting outcome. My complaint extends to all 3 credit bureaus for not handling my dispute properly and once the problem was pointed out by me by calling not complying with my request to have them removed.
04/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78750	Web	Servicemember
I have Fraud Alert on all 3 credit bureau. On XXXX XXXX 2019 I received an emil that 2 collection accounts were added by XXXX XXXX XXXX ( XXXX ). I contacted XXXX several time, they have very rude agents. I have attempted to to clear this up and get removed from my credit report but they keep telling me that they do not have any accounts under my name or SSN. Please see attached credit report showing 2 collections from XXXX. I then contacted the original creditor XXXX XXXX XXXX XXXX XXXX XXXX ' ( XXXX XXXX XXXX XXXX XXXX XXXX ), talk to them several times but each time they told me that they do not have any accounts in their system under my name of SSN. I've just found out that XXXX has hundreds of similar complaints The XXXX has given XXXX a rating of F. They have damaged my credit, caused me severe headache and emotional distress. I will take them to Small Claims Court for damages.
10/28/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33025	Web
Weekly I am receiving calls from this company that identifies itself as HRRG ( Phone : XXXX ), and he insists that I must give personal information, when I refuse they hang up the call. Today I decided to attend them and find out what it was about and she told me that from my visit to the XXXX on XX/XX/2019, I was left with a debt of {$240.00}. I clarified that I did not leave any debt from that visit, first because my insurance was from the company and it covered me 100 % and that I also contacted the Hospital at that time so as not to leave any debt. To which he replied that the debt was now with XXXX XXXX XXXX. I told him that I do not recognize any debt with this place and how it was that first it was from the Hospital and now with this company. When I asked him for more information about this company, he replied that I must give him more personal information, so I hung up the call.
11/29/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60620	Web
This company has never been given consent by me to communicate with me regarding an alleged debt, nor to furnish information to my consumer report. Doing so, without my consent is an infringement upon my privacy and a direct violation of federal laws. 15 USC 1692c ( a ) as well as 15 USC 1681b ( 2 ). I am demanding that this company delete this account from my consumer report and Cease and Desist any and all communication with me as it relates to the collection of any alleged debt ( s ) by/through all means except for the United States Post Office . This company furnished this same account/information to my consumer report TWICE!! No consent is identity theft. I will also be filing a complaint with my states attorney general, Florida 's state attorney general, the XXXX XXXX XXXX as well as the U.S. Department of Health and Human Services for possible HIPPA and privacy rule violations.
02/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 105XX	Web
On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX. On XX/XX/XXXX I wrote a second letter. on XX/XX/XXXX I called the company and asked for clarification on the debt and was not given any information about the debt or if my correspondences have been received. The company has not provided an accounting of what money I owe. The company has not provided an explanation of how they calculated what I owe. The company has not provided any documentation to prove what I owe. The company has not identified the original creditor nor provided their current contact information. The company has not provided proof that they are licensed to collet this debt in my state of New York The company has not provided me with the contact information for their registered Agent for Service of Process Even though I have disputed this debt, the company has not removed this debt from the credit reporting agencies
02/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60193	Web
I paid XXXX XXXX XXXX HRRG on XX/XX/2018 a medical debt which I had disputed. I felt like it was easier to just pay them. However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXXHRRG. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months. Some of the recent calls came from : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. The HHRG is an alias for XXXX XXXX XXXX. The HRRG website is hosted on the same webserver as XXXX. HRRG and XXXX both operate from XXXX, FL and XXXX, OH. I confirmed on XX/XX/XXXX that the HRRGXXXX debt was paid during two separate calls. I was told that it would be updated and the calls would stop. However the calls continue to persist daily at all times.
02/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 984XX	Web
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or REMOVED IMMEDIATELY Account Name : ARS ACCOUNT RESOLUTION Account Number XXXX Date Opened XX/XX/2017 Balance {$910.00}
02/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
I disputed by fax and through the CFPB, XXXX in there response state they do not need to show any documentation I requested, they fall under the FDCPA guide lines but state they above the law .Again I request the documentation enclosed { in detail for each question } I have not receivded any confirmation on how you have verified the alleged accounts as of XX/XX/2019 as you stated in your response, please send a copy of return receipt that you sent and I received any documentation you claim I have no right to.All documentation again enclosed for you to answer for my investigation If you refuse then this claim is frivolous and i demand it be removed at once there should be no reason for you not to give the information in detail .I may file a complaint with the state medical board on your client and the FTC. CFPB please read there response they have a lot of complaints filed against them
06/08/2021	No	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33511	Web
On XX/XX/21, A man with a very thick accent called to say they were sending me letters to my home ( where I no longer live ). That they are trying to help in a situation with my daughter and just need me to verify some information. I asked several times, what type of company is this. What services do you provide. He kept evading the questions. He just kept repeating we are calling to help in a situation with your daughter and then said her name. The caller kept pressing me about the verifying some personal information. I finally said " XXXX '' as to indicate the house numbers to my former address. He then proceeded to say this is ... ... .and we are attempting to collect a debt. I told him what he did was illegal and I hung up. The company Healthcare Revenue Recovery Group. The phone number XXXX. The crazy part? My daughter has XXXX XXXX and XXXX XXXX and was covered under XXXX.
01/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL XXXXX	Web
I HAVE BEEN DISPUTING AND COMPLAINING ABOUT THIS COMPANY ARS ACCOUNT RESOLUTION TO XXXX FOR THE PAST FEW YEARS NOW, THEY HAVE BEEN ILLEGALLY ADDING AND RE-CREATING OLD CHARGES THAT I AM NOT AWARE OF FOR OVER 10 YRS NOW. ARS KEEPS EACH YEAR RE-CREATING THESE SAME OLD CHARGES THAT SHOULD HAVE BEEN REMOVED OFF OF MY CREDIT LONG BEFORE NOW. ARS HAS JUST FLAGGED MY ACCOUNT WITH XXXX THIS YEAR XXXX ADDING A NEW CHARGE OF : XXXX OPENED ON XX/XX/XXXX?? ARS HAS BEEN ADDING CHARGES THAT ARE OLD AND RE-CREATING AS IF NEW TO KEEP MY FILE NEGATIVE AND DELINQUENT THIS SHOULD BE ILLEGAL, AT TIMES OPENING 2 ACCOUNTS IN THE SAME YEAR, ON 2 DIFFERENT OCCASIONS. DATES : XX/XX/XXXX XXXX, XX/XX/XXXX {$2100.00} AND XX/XX/XXXX XXXX ( SAME YEAR ) : XX/XX/XXXX {$1300.00} AND XX/XX/XXXX XXXX ( SAME YEAR ), XX/XX/XXXX {$1400.00}, XX/XX/XXXX {$1800.00}. PLEASE INVESTIGATE ARS OLD CHARGES RE-APPEARING AS NEW
11/01/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33024	Web
The collection account I am referring to is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX The problem is, is that I was never notified and according to the Fair Debt Collection Practices Act, 15 USC 169 2g Sec. 809 ( b ), I done owe this collection agency anything. The don't have an original application no Proof of this debt that they say I owe. They are continually moving the date back on all three of my credit reports, XXXX, XXXX, XXXX XXXX. If fact they are show two account on three of my credits reports. The first account number is XXXX XXXX for the amount XXXX the second account is XXXX for the amount of XXXX. They are an third party and they have Lack of Standing to pursue me on false accusations. I am harassed by them calling me all of the time. I request that these accounts be removed from my credit reports, ASAP after your investigation has been completed.
05/31/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MD 212XX	Web
I have on several different occassions try and reconcile this matter with this company. I was not in the XXXX XXXX on the date of service this company is alleging. I have sent several requests asking them to provide me with some documentation that I signed that would implicate me being present on this date of service. They failed to provide me any documentation. Whenever I go to the XXXX XXXX or doctors office I always sign something for a consent to treat or an insurance form. This company can not and did not provide me with anything.They failed to provide me with a proper invoice. They typed up an account on their company letter head with the information they want me to believe is factual according to the conversations I have with this company they are not the original creditor so how are they providing me with an invoice on their letterhead anyway? Makes no sense.
12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 770XX	Web
I sent A letter to this company ARS account resolution collection advising them The account they are claiming A XXXX balance on does not belong to me & was A result of FRAUD! Tjis account is showing under my maiden name XXXX XXXX and I have not had that last name since XXXX. I was A victim of identity theft and requested debt verification because this is A fraudulent account. I AM NOT REQUESTING A BILL but legal verification that this debt belongs to me XXXX XXXX & I am requesting ALL credit reporting be deleted since this company has failed to provide adequate proof this debt belongs to me. I would like to pursue litigation! This company has refused to remove this account from all consumer reporting agencies which was A RESULT OF ID THEFT after they where properly notified! I would like it noted that I would like all communications written as I will keep copies for litigation.
05/06/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33025	Web
On XX/XX/XXXX I submitted a compliant with case # XXXX through the XXXX and ARS removed the delinquent account from my credit reports because they were unable to provide any original documents with my signatures on it. Now a year later they went ahead and put the information on my credit again, without providing any of the original information I requested or any new information. Gain I submitted a letter requesting copies if original documents showing I indeed owe this amount. I sent this letter certified mail, which they received XX/XX/XXXX. ARS has never communicated with any of the information i requested. Furthermore, ARS has put this collection on my credit reports before even sending out any letter to me to allow me to dispute the debt. The only reason I know of the debt is because i check my credit reports monthly. ARS violates the law and continues to get away with it
03/10/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33127	Web
Good Morning, A third party collection agency by the name of XXXX XXXX XXXX is affecting my credit monthly and it has now become so ludicrous that I was advised by XXXX to file a complaint. As of today there are three debts in the amounts of {$1300.00}, {$930.00} and {$950.00} that was placed on my credit back last year which caused my credit score to decrease drastically at that point. Every month XXXX XXXX XXXX has been purposely deleting and then re-adding the debts back which in return causes my credit score to decline even more. XXXX and XXXX have both looked into this issue and have blocked this Agency for placing anything on my credit all together. XXXX have failed a misuse claim as well. XXXX has performed this tatic on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and once again on XX/XX/XXXX. I ask that you look into this a resolve this within a timely manner.
08/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33916	Web
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, I have 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 verification or proof of my mailing address but 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 XXXX this action might constitute fraud under both federal and state laws.
03/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32726	Web
I've disputed this account several times because I have no knowledge of these accounts ( 2 ) with this collection company. I have always had insurance and so I sent them a certified letter on XX/XX/2021 and it was hand delivered to an actual person on XX/XX/2021 at XXXX. In this letter I requested for the company to send the appropriate proof that they are attempting to collect from the correct person. I also asked form them to provide in writing what the money they say I owe is for with a full break down of the calculation and provide copies of any documents with my signature stating I agreed to pay them what they say I owe. I have yet to receive any documents or response to my letter. I am requesting the account be properly validated as mine or be deleted immediately from my credit reports. I should not be held responsible for something that can not be proved as mine.
02/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60193	Web
I paid XXXX XXXX XXXX XXXX on XX/XX/2018 a medical debt which I had disputed. I felt like it was easier to just pay them. However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXX. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months. Some of the recent calls came from : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. The XXXX is an alias for XXXX XXXX XXXX. The XXXX website is hosted on the same webserver as XXXX. XXXX and XXXX both operate from XXXX, FL and XXXX, OH. I confirmed on XXXX that the XXXX debt was paid during two separate calls. I was told that it would be updated and the calls would stop. However the calls continue to persist daily at all times.
07/29/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33578	Web
I discovered upon XXXX credit report that i am being charged a duplicate medical bill created upon same day. When attempting to call the creditor to resolve the situation i was spoken to in hostilities and had phone hang up in my face. The account reads as ARS ACCOUNT RESOLUTION XXXX owing XXXX dollars on XXXX ( original creditor is XXXX XXXX XXXX ). I had medical insurance in any event. This account is duplicate to ARS ACCOUNT RESOLUTION XXXX owing XXXX dollars on XXXX. I contacted the collection agency at XXXX who was a XXXX female providing the most disrespectful tones and hostilities against me the complainant. I do not owe this duplicate bill and it is unfair as well fraud. In fact the XXXX representative would not produce any evidence of any detail reasoning for any the the two duplicate unfair debts. I hope to get this resolved as it has damaged my credit status.
12/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 622XX	Web
In regards to Account Resolution Account # XXXX I understand they said they mailed the proof of validation to me but I just recently found out that someone was stealing my mail. I would like proof of validation. If possible could it be sent via mail and also uploaded in the company 's response. A clear break down of the fees and charges. Not just a bill with my address but a clear breakdown of the alleged charges. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my information to you. I request full documentation of what you have received from the provider of service in connection with this alleged 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.
05/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33177	Web
ARS has 2 collections listed on my XXXX and XXXX credit report Both listed as opened on Opened XX/XX/XXXX {$440.00} Original creditor : XXXX XXXX Ars Opened XX/XX/XXXX {$1400.00} Original creditor : XXXX XXXX XXXX XXXX I never open an account with either creditor, neither did I gave anyone authorization to open an account on my behalf, nor do I know what each of those places are. I had previously requested validation and none was sent, seeing that none was sent I filed a complaint with XXXX on XX/XX/XXXX XXXX CASE # : XXXX seeing that the place kept insisting on saying that the debts where mine even without validation I also filed an FTC case for fraud on XXXX FTC Report Number XXXX. The company still claims that the debts are mine when they're are not I want both of these debts to be remove from my credit file as they're not mine and my credit report to be updated.
04/24/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
**This is not an Duplicate Complaint. Follow up from Complaint # XXXX There is no need place an " Dispute '' on this account your claiming is mine. The aforementioned credit collection agency representing whomever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX , XXXX and XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ARS Account Resolution does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) the y need to retract this from my credit file immediately.
02/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08861	Web
On XX/XX/2019 I filed a police report because I noticed fraudulent activity on my credit report. This is an on going issue with fraud on my identity. I have multiple fraudulent accounts that still remain on my credit report and due to these fraudulent accounts my credit report has been negatively impacted severely. These three credit bureaus, ( XXXX, XXXX, and XXXX ) have been reporting fraudulent accounts without the proper legal validation as per the Federal government. Once my identity was exposed, fraud has been reoccurring from the lack of proper screening by XXXX, XXXX, and XXXX on these non validated accounts.. Before I proceed to litigation and start my filing of an order to show cause through the courts, I demand these fraudulent accounts be removed immediately. I have been advised by my local police department to file these complaints as the next step.
03/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	RI 02908	Web
ARS ACCOUNT RESOLUTIONS INC. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me the following 4 collections for the last few years. 1.Account # XXXX for {$990.00} 2.Account # XXXX for {$940.00} 3.Account # XXXX for {$1500.00} 4.Account # XXXX for {$860.00} The collections have been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. I've been actively disputing these charges since last XXXX, and was able to get them removed from my credit report later last year due to them not being able to verify the debt. Unfortunately they were reinserted without notice or verification. This last dispute was the final straw. As they continued to send me no proper verification. These charges are currently on my XXXX and XXXX but not on XXXX. Its been a mess.
07/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 17046	Web
On XX/XX/2020, ACCOUNT RESOLUTION SERVICES ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX FL, XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sol and I am no longer responsible for the account. I've written a goodwill letter, called multiple times and provided proof of fraud activity goin on my name. I was told from one agent it will be removed and I have received no efforts.Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature doesnt not validate the debt and anybody can send me a bill and say its mine. According to the FCRA, ( ACCOUNT RESOLUTION SERVICES ) has violated my rights as a consumer and im requesting legal action to remove this account immediately.
12/20/2017	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 774XX	Web
Upon review of my credit report I noticed XXXX XXXX XXXX XXXX reporting an alleged debt. I searched the Texas Secretary of State 's website to verify they are bonded and legally able to collect a debt in Texas, for which they are not. I conducted my search by name and address ; the address search yielded the registered and bonded company name of XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX was not listed as a registered dba as required by the secretary of state. I sent a letter to XXXX requesting they remove their reporting and cease their attempts of collecting this alleged debt, for they are operating against the Texas Finance Code for not meeting the bond requirements, and for misrepresenting their company and trying to collect monies under another name other then the true business name. XXXX did not honor my request, yet responded by sending a statement.
10/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33023	Web
The beginning of XXXX a dispute was submitted by XXXX to have collections removed by XXXX XXXX XXXX as the collections do not belong to me. I received an email from XXXX on XX/XX/XXXX that my XXXXn dispute results were ready. I viewed the report and the three collections were in fact " DELETED '' from my report. Fast forward to XXXX XXXX XXXX, with no notice received from XXXX XXXX XXXX, the accounts have since been added back to my XXXX credit report. There are three separate amounts appearing on my report, XXXX XXXX XXXX- {$280.00}, XXXX XXXX XXXX- {$37.00} and XXXX XXXX XXXX- {$980.00}. I have since reached out to XXXX today, XX/XX/XXXX and was told " yes they were added back to your report ''. Now, I have not received any notice from XXXX XXXX XXXX or XXXX stating that these accounts would be added back to my credit report. This is unacceptable.
09/28/2021	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 735XX	Web	Servicemember
I have been receiving medical bills monthly and phone calls for over a year, stating that I owe money for XXXX XXXX provided. I have my health insurance EOB 's for all dates listed that show the patients responsibility is XXXX. I have sent them copies of my EOB 's via the mail and email, but they say that they have not seen them. The are threatening to send the information to collections and damage my credit. I have also contacted my insurance company several times on this issue and they said that I do not owe this money. My insurance representative has also called them on two occasions ( XX/XX/XXXX & XX/XX/XXXX ) and relayed to them that the I do not owe the money, but they keep saying that I do. I am listing the dates and amounts that they are asking for below : XX/XX/XXXX {$420.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00}
02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33160	Web
On XXXX XXXX, 2021, Account Resolution Services add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 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 :
02/08/2019	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 770XX	Web
Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The following company does not have a surety bond on file with the State of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. Company name : XXXX XXXX XXXX, a division of XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX
03/07/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
ARS sent me a letter stating that I owed for three medical accounts in which I had no knowledge of on XXXX. The letter stated I had until XXXX to request verfication/validation of debt. I responded via cerified letter which was recieved by ARS on XXXX. I then recieved a response back with no other information other than the account number and balance which was in the orginal letter sent to me. I responded back to that letter, via certified which was recieved by ARS on XXXX requesting additional information regarding this debt no just account number and balance with no other details which I originally requested in the letter sent to them on XXXX. Instead of responding, ARS placed these accounts on my credit file. This is clear violations of my consumer rights and ARS didn't respond to my letter giving me the information I needed to validate debt.
11/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 954XX	Web
XXXX, XXXX XXXX XXXX refuses to remove a medical debt for an urgent care bill that I disputed based on the following : 1. The debt was for an urgent care facility in XXXX, Arizona, a town I have never visited. XXXX XXXX XXXX XXXX XXXX 2. The debt was for services that were not in any way related to me for a date in XX/XX/XXXX. I wrote and disputed the charge in XX/XX/XXXX. 3. in looking online with search engines, there are a number of consumer reviews that fraudulent bills come out of that location and XXXX tries to extort money to settle these claims. 3. The XXXX account person refused to remove the debt, despite proof that the debt was not mine, without a POLICE REPORT. The local police are not going to waste their time with a police report for a debt in Arizona for {$250.00}. This was meant to be a barrier to me and make me pay the money.
10/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70816	Web
I filed a complaint about 2 weeks ago regarding this account after requesting debt validation in XXXX and still have n't recieved anything. This account is constantly flagging my account as collections DAILY and it is affecting my credit score negatively. I am not sure how that is even possible because i have NEVER done business with NOR have i ever been contacted by this company. Furthermore, this account is listed under medical and i am more than 100 % sure i have NEVER given a doctor 's office or medical facility any permission to share my Medical information. This is clearly a violation of not on my FRCA rights but also my Hippa rights. I demand XXXX to furnish me with a medical release form and a contract bearing my signature stating that i have done any business with them or i will be filing a complaint with my local government agencies.
04/21/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 333XX	Web
After reviewing my credit report, I discovered that a collection agency called Account Resolution Service is pursuing me for an outstanding balance of {$630.00}, with a collection date of XX/XX/2021. According to their report, I visited XXXX XXXX XXXX XXXX on that date, but I have never been there or had any business with them. Upon further investigation, I discovered that many others have also been wrongly sent to collections by this company for services they never received or were not billed for. This fraudulent activity is damaging not only my credit score but also the credit scores of numerous others. It is imperative that this company is reported and held accountable for their actions. They have call me endless times to my phone number and I continue to tell them I do not know this place and they continue to persue with harassment calls.
11/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77479	Web
Account Resolution Services is claiming that i owe money to their collection agency. I have asked them dozens of times to verify that i owe this invoice but they can not produce an actual invoice or any form of proof that there is any invoices from the company that allegedly hired ARS to collect this money. I have also contacted that company as well and they claim that they do not have any record of my name in their system or any invoices ever due in my name. I have notified ARS of this several dozen times and also sent them a certified letter in regards to this matter, but ARS still refuses to provide any evidence of an invoice. Furhtermore, ARS also failed to comply with SEC.809 ( A ) that states that ARS has to mail me notice of debt within 5 days of initial contact. ARS is refusing to provide evidence or remove this from my credit report.
03/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43229	Web
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.
03/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43229	Web
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.
03/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33610	Web	Servicemember
I wrote a certified letter on XX/XX/XXXX, to the collection agency after seeing them reporting on my credit report. In that letter I specifically requested to : Please also provide the following information for my records. What the money you say I owe is for. I also need evidence of the original debt that bears my signature, as well as a complete account history, including any charges added for collection activity. Provide me with copies of any papers that show I agreed to pay what you say I owe Lastly, Im requesting evidence of your authorization in this alleged matter. I received a letter back on XX/XX/XXXX without any of this information instead they sent me a computer print-out that does not even have my signature. I sent them a letter on XX/XX/XXXX explaining this information and to delete all negative marks from my credit report.
07/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	SC 29720	Web
Account Resolution Services has listed an account on my TransUnion credit report stating I owe them money from XX/XX/2011. 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. Account Resolution Services 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.
06/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above. Do not contact me, or any third parties regarding this debt. Furthermore, I formally dispute the validity of this debt. Please provide me with documentation that supports why you believe this debt belongs to me, and why you believe I owe this {$100.00} amount. Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc. You are also notified that should any adverse information be placed against my credit reports, appropriate actions will be taken under the federal Fair Credit Reporting Act ( FCRA ). Thank you for your attention to this matter.
10/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30310	Web
I checked my most recent credit report on XX/XX/19. I noticed a collection from ARS resolution for XXXX and XXXX $ that does not belong to me. This account is from Ohio i moved from ohio 8 years ago and i have free health insurance from the government i have provided proof below. This company never once sent me a letter letting me know my right under the fair credit reporting act to dispute, that is a violation of the debt collection act. I will not pay this account if i am not provided an original contract bearing my signature not a bill those are easily made. They have been reporting this false information on my credit report. I called the original creditor that is listed on my credit report they dont even have an original contract so how can this company collect on this debt with no contract. They are just trying to get money from me.
01/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33326	Web
You are suggesting in response to CFPB complaint XXXX-XXXX that this a bill from emergency room physicians for services provided during a hospital visit and is separate from hospital payment. This prohibited practice is called " balance billing '' and is contrary to Florida Statute 627.64194 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance billing is ILLEGAL in the State of Florida. Please delete this claim from XXXX. From this point on, any reporting of this claim to a credit reporting agency will be in violation of Federal law 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. Knowingly and willingly reporting an illegal or invalid claim puts XXXX XXXX XXXX at risk for damages and all attorney 's fees. At this point, I am only requesting that you delete this claim from XXXX.
08/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 775XX	Web
XXXX XXXX XXXX HAVE INSERTED A COLLECTION ACCOUNT IN THE AMOUNT OF {$390.00} AS OF XX/XX/2018. THIS ACCOUNT DOES NOT BELONG TO ME AND IS A RESULT OF IDENTITY THEFT. XXXX IS REPRESENTING XXXX XXXX XXXX WHO IVE NEVER HAD ANY OBILIGATION TO PAY NOR HAVE I EVER HAD ANY DEALING WITH XXXX OR WITH XXXX XXXX XXXX SO HOW IN THE HECK COULD I POSSIBLE OWE EITHER ANY MONIES. I HAVE NEVER HEARD OF EITHER COMPANY UNTIL MY REPORT WAS REVIEWED. XXXX NEVER EVEN SENT A NOTICE TO LET ME KNOW THAT THIS ACCOUNT WAS BEING INSERTED INTO MY CREDIT FILE OR LET ME KNOW THAT I HAD A RIGHT TO DISPUTE BEFORE IT WAS INSERTED. XXXX HAS VIOLATED THE LAW. I HAVE NEVER EVEN SIGNED ANY FORMS TO RELEASE ANY MEDICAL INFORMATION TO ANY COMPANY AS THIS IS NOW A VIOLATION OF HIPPA. XXXX HAS NOT SIGNED CONTRACT OR LEGAL DOCUMENT BEARING MY SIGNATURE THAT THIS ACCOUNT IS MINE.
06/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
Whom It May Concern : This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above. Do not contact me, or any third parties regarding this debt. Furthermore, I formally dispute the validity of this debt. Please provide me with documentation that supports why you believe this debt belongs to me, and why you believe I owe this {$76.00} amount. Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc. You are also notified that should any adverse information be placed against my credit reports, appropriate actions will be taken under the federal Fair Credit Reporting Act ( FCRA ). Thank you for your attention to this matter.
03/14/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 770XX	Web
Complaint ID # XXXX Name reporting on credit Report : XXXX XXXX XXXX XXXX XXXX are attempting to collect a debt. I have sent letters to this company requesting verification that this debt is mine and to provide proof of such. This has never been provided nor was I sent a letter prior to this account being placed on my credit report. When I sent letters to the credit bureaus all I was supplied with was a general letter that this debt belongs to me, but no proof nothing in writing, no copies of letters, nothing. This is both a violation of Fair Debt Collecting and a violation of Fair Credit Reporting to not verify accurate information. XXXX can not provide any information to me, I have never been seen by a physician or doctor that they are attempting to collect on a debt from 2013. This needs to be removed from my credit file immediately.
06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 344XX	Web
Account Resolution Services is attempting to collect a debt that does not belong to me. Account Resolution Services is reporting a delinquent collection account to XXXX XXXX and XXXX that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail on XX/XX/2021, as well as faxed them a copy the same day at XXXX ( See attached confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Account Resolution Services. I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.
06/25/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 37918	Web
In XXXX 2015, I paid in full a medical bill on my husbands behalf. While on the phone, the agent stated there was a second bill and collected as well on that account. In XXXX 2015, I discovered the second bill she collected on was not my husbands. Same name, but different states, different birthdates, and different social security names. I have been trying for over XXXX weeks to get a refund of the money I paid to another individuals bill. I have sent in a copy of my husbands drivers license to prove it is in fact not him, copies of the payments I made, and have made countless attempts to talk to a supervisor. No one will return my calls or let me speak with a supervisor. Not only have they given me demographical information for another individual which violates HIPPA, but have been neglectful to correct a situation that they caused.
08/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33055	Web	Servicemember
I reached out to Account Resolution Services a division of HRRG, LLC in XX/XX/2021 requesting that they validate a medical debt they had placed on my credit report. I received a correspondence from them dated XX/XX/2021, which did not provide any proof of validation. I then sent them a certified letter which was signed for on XX/XX/2021, again asking for them to validate the debt. They sent a correspondence identical to the first one on XX/XX/2021, which did not provide the information that I requested as proof of validation regarding the debt belonging to me. On, XX/XX/2021, two certified letters were sent to them, one advising them again to validate the debt, as well as a Failure to Validate the debt correspondence. I received a third correspondence which was identical to the first two where they still failed to validate the debt.
07/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32811	Web
On XX/XX/2021, I sent a debt validation letter via certified mail with return receipt to ARS Account resolution at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX requesting Debt validation. Tracking # XXXX shows it was received and signed for. Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and ARS Account Resolution has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company.
11/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23666	Web	Servicemember
I recently discovered a discrepancy on my credit report with an outstanding balance that I did not recognized. I called the collection agency ARS at XXXX and I was told that someone in Florida received medical on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX room in XXXX XXXX Florida using my SSN. At the time that the services were rendered, I was and is still living in Virginia. The account numbers that I was given are account # XXXX for {$560.00}, account # XXXX for {$280.00}, account # XXXX for {$280.00} and account # XXXX in the amount of {$290.00}. These charges are fraudulent and they are causing some issues for me. Upon the conclusion of my call to the creditor the representative at ARS advised to file a report concerning the matter with the Federal Trade Commission which I did immediately XX/XX/XXXX.
05/14/2020	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NJ 080XX	Web
I continue to receive automated messages from HRRG collection company to call them. I mailed a letter regarding the debt they are attempting to collect with proof the account was paid other than a {$50.00} portion that was unwarranted and per the hospital that recorded the debt would be waived. I haven't received anything in writing in about 6 months. Every day at least once I get a call from HRRG with an automated message to call them. The numbers show up under peoples names and various other business unrelated to them ( XXXX was the most recent ) so clearly they are hiding their identitiy. When I mailed the letter, I asked them for confirmation in writing and of course received nothing other than the non stop calls. I have tried blocking the calls now but they keep coming up with other local numbers. I just want them to go away.
04/04/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 30106	Web
This has been a constant long overdrawn situation! I have had this company add medical bills on my credit report then take them off and add them again. I also received an alert from my fico indicating that a new collection has been added to XXXX without any knowledge or verification or validation. I have sent the credit bureaus multiple letters to please SHOW ME ACTUAL PROOF that I signed or used an insurance card or was seen in such known facility. The letter from ARS does not indicate such thing.. these same collections has been removed in XX/XX/XXXX and added back. I want proof or delete them.. I have asked numerous of times. I have also uploaded the correspondence received from ars the service dates are not matching what was placed on my credit! Please send me validation of records.. from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
04/15/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33162	Web
According to ARS COLLECTION SERVICES, there is a debt under account # XXXX for ( {$1000.00} ) and account # XXXX for ( {$740.00} ) .These accounts were previously disputed 3 times with all 3 credit bureaus. The accounts were never validated and yet they still remain on my credit report. I never had any services rendered from ARS for them to collect a debt from me. ARS COLLECTION SERVICES failed to validate the debt by providing me with a breakdown of charges, diagnosis, and/or procedure for services rendered. In addition, the original creditor, XXXX XXXX XXXX released my medical records to this third-party collection agency without my knowledge or a signed release authorization. My HIPAA rights have been violated and I demand you close and remove this from my credit report immediately or I will take legal actions on this matter.
09/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43207	Web
Recently while conducting a monitor of my credit report I discovered that ACCOUNT RESOLUTION SERVI # XXXXhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ACCOUNT RESOLUTION SERVICES to access my personal medical information from or to a third party. I demand they produce a valid copy or original copy of my signature for my review. I dont remember every having done any business with this company.
12/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77429	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 ACCOUNT RESOLUTION SERVICES. 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.
12/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33183	Web
XXXX was paid by me and my insurance companIes. I had XXXX XXXX XXXX XXXX XXXX first and a hospital indemnity secondary insurance. I reached my maximum out of pocket prior to being treated at XXXX. Which means my insurance would pay for 100 % of my medical bills because I had already spent {$4000.00} in medical bills. The lady at XXXX lied about verifying my insurance, because she informed me I needed to pay a {$1200.00} copay ( which was absolutely false ). I was given no other choice because I needed to be operated. XXXX was paid over {$50000.00} by XXXX XXXX XXXX XXXX XXXX first. Eventually they even refunded me over {$700.00} because of the mistake they made in regards to my insurance. I also never received any information regarding this debt in writing nor from my surgeon during post op visits, he is affiliated to XXXX.
06/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07801	Web	Servicemember
Greetings, I received a letter stating, the accounts below were verified in which disputes still arise to exist for the following : 1. ARS ACCOUNT RESOLUTION # XXXX I did not authorize for the original creditor to release any private medical information to any third party. Please be advise ; this goes against HIPAA under a violation as Im allowed to dispute when it involves PHI ( Protected Health Information ). This needs to be removed from my report immediately. 2. ARS ACCOUNT RESOLUTION # XXXX This also goes against the violation of HIPAA in which I have every right to dispute the PHI obtained by all unauthorized third parties. Without privacy forms filled out nor granted ; the original creditor was not given permission to release PHI ( Protected Health Information ). This needs to be removed from my report immediately.
09/25/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 08021	Web	Servicemember
ARS account resolutions also noted as XXXX XXXX XXXX of XXXX in the amount of {$1200.00} on my credit report since XXXX should be removed. I am not aware of who or what this medical item is and have NOT been to a hospital since XXXX. I had medical insurance thru my company at that time, this all medical items from XXXX were paid thru insurance. This company has never contacted me via phone, nor have I ever received anything via Mail about owing such a large medical bill since I was never hospitalized. I never received notification of owing such a bill from this company and there is definitely not enough information from the listed details ( no details of debt, who bill is for, details of creditor not dates of service indicated ). Please remove from my credit report and lost this company as fraudulent. THANK you in advance.
02/06/2023	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	FL 33023	Web
Hello, To whom this may concern I have sent letters out on the XX/XX/2023 to remove all incorrect information on my credit, I provided ARS with a letter demanding the original contractor or letter of agreeance stating that I signed a consent form for their collection agency to take over to my contract, I even provided proof of identification ensuring that it is I requesting these hard inquiries be removed immediately from their reports and my credit report. In each letter I stated that I would like to receive my proof of reassurance by mail addressed to the address printed on the letters and I also gave them 30 days to do so and by law since they have not been in contacted with me within those 30 days assuring that they are entitled to remove all incorrect information and hard inquiries from my credit report immediately.
01/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32746	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 collection found within my credit report are not related to any transaction that I made I am alleging that a person or company without authorization used my personal identifying information to apply for goods services or Money and was successful in creating and some accounts. All is being investigated by the FTC
11/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 44135	Web
I have asked this company to remove their information from my credit report on several occasions. I had XXXX state insurance from XXXX during the time that University XXXX decided not to charge me for services. " XXXX '' sent my hospital bill to this company and since then, I have been asking this company to please relieve of my this debt since the hospital did not do their part in charging my insurance. I have asked ARS to relieve me of this debt since I will not ever be able to pay it. They do not contact you other than to tell you " NO ''. They do not answer the phone and if they do, they refuse to speak to people like human beings. My phone calls always feel so belittling and helpless with this company. The XXXX has several complaints against them. I don't know how they are still in service as a company.
11/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD XXXXX	Web	Servicemember
I have mailed letters, called in multiple times to dispute a collections account that is listing false information in my name. The company is XXXX XXXX XXXX. I have mailed 3 letters to this company since XXXX of 2017 requesting proof this account belongs to me and have yet to hear back from this company. XXXX has not sent me any proof by mail or by phone why this account is still showing on my credit report other than it is validated by my name. That 's it. This account should n't be on my credit simply because I never received anything in the mail stating I owe this money or that I even had a collection account. I need this invalid account taken off of my credit immediately. XXXX is not even contacting my by my address to even show me proof this account is valid with my signature and that it actually belongs to me.
11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33169	Web
In accordance with the fair credit reporting act ARS Account Resolution ( Account number 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 Section 2 also states a Consumer Reporting Agency can not furnish an account without written instructions. 15 U.S.C 1681c- ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
11/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	ME 047XX	Web
On or around XX/XX/2021 I, XXXX XXXX, XXXX, wrote and submitted a dispute letter with Account Resolution Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, concerning medical debt in the amount of {$1200.00} reported to the XXXX major credit reporting agencies. This letter was written after two failed attempts at contacting this company by phone to dispute the debt and the collection associates refused to speak and hung up. This debt was incurred by no fault of my own, i do not owe it, I did not give permission to ARS to collect my medical records nor did I sign a h.i.p.a form, nor did i enter into any written, verbal, or electronic contract with ARS at any time concerning this debt in any way. They were instructed to delete and remove this debt from the XXXX credit reporting agencies and my personal credit report.
09/17/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 07728	Web
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Balance : {$43.00} Original Creditor : XXXX
06/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33321	Web
This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified ''. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account.
03/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
I do not owe this debt. I asked for information under the fair reporting act. Also requested on a number of occasions information to verify account information pursuant to [ Section 609 ]. All lawful verifiable information must include the signature of party in contractual agreement. The contract must be valid pursuant to NJ State law as well as to the Uniform Commercial Code. This company refuses to provide proper documentation and verifiable information pursuant to law and are in violation. The document forwarded to XXXX XXXX XXXX 's agency did not offer a signature, nor a copy of any verifiable information and must be removed. A cease and desist must be in order. This company 's practice is obstructive to my ability to obtain credit and they do not have my permission or authorization to report to any bureau.
03/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60652	Web
I received a letter from ARS in XXXX about a medical bill of {$290.00}. I responded to them within the 30 period asking for Validation of this alleged debt I have no knowledge of and they sent a letter stating they validated it with the original owner but according to the FDCPA they have to validate the debt to me if I requested it within the 30 days of the letter. I sent another letter responding to the second letter and they still failed to comply with my first letter asking for name and address of original owner also a breakdown of procedures they claim I had done and if they legally were assigned or owned the debt and there license to collect in my state. I just received another letter today stating the same thing from the second letter that they validated it with the original owner! Thats not good enough!
09/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33168	Web
XX/XX/2018 - Received a letter from XXXX XXXX XXXX which was supposed to be verification of debt. It was a simple letter with the medical accounts, dollar amounts, and original creditors. XX/XX/2018 - Received the same letter as validation for the medical accounts. XX/XX/2018 - I sent a letter to XXXX XXXX XXXX requesting information to verify they were the correct company responsible for the debt, licensed in my state, contact information for each person who verified the debt, a copy of the document that I originally signed with the hospital, procedures used to verify the accuracy and completeness of the info. XX/XX/2018 - Sent another letter to XXXX XXXX XXXX stating that they didn't provide what I asked for as form of validation. I have received another more than the document they originally sent.
06/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23435	Web	Servicemember
This company have been charge me for this amount for awhile, I try to contact them many times. Also I hire a lawyers and pay lot of money, submit disputes and not responses from the bureau. I am a military spouse, mu husband XXXX XXXX so I have 100 % medical insurance, also I have medical insurance from my job a real good insurance a premium one. Why I been charge from this company something that is not belong to me. Their response was that the hospital charge me, but the truth is I use Military Hospitals to been seem by doctors and my XXXX doctors are on XXXX. Im absolutely desperate because this have been in my records and ruin my credit History and because I didn't have acknowledge about my credit History was like this now I recurring to here for help. I don't think is fair all this situation. HELP PLEASE
01/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07644	Web
XXXX XXXX XXXX has been harassing me and family memebers about oustanding debts they purchased but are not mine. Since they are medical bills and we all sign for treatment all I ask for is my authorization of services but they furnish nothing. They are rude and completely violate the Fair Credit Reporting Act. My next step is contacting the State Attorney General. Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX Account XXXX XXXX $ XX/XX/XXXX These are not mine and they can not provide proof that they are so I request they delete these from my credit reports from the 3 XXXX XXXX and XXXX XXXX. These false collections are severely hurting my families well being because I can not obtain credit due to XXXX and their false activities.
12/27/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AR 723XX	Web
The company states the I owe a debt with 2 different accounts. The accounts need to be verified. I don't want a statement. I want my contract with this company for the 2 accounts with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The accounts have several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the accounts from my report. I DO NOT give my consent to this company to report anything on my credit report. Delete the two accounts starting with the numbers XXXX, XXXX as soon as possible.
10/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43068	Web
Upon doing research on my credit report, it appears that ARS is reporting 2 collections under my name for act # XXXX and # XXXX. I've contacted this company multiple times on numerous occasions for validation and they are not responding to me. I have never done business with them, and I do not have a signed contract. I have the right to demand to see a signed contract between ARS and myself. I have never received any correspondence from this company to give me time to validate my debt and this company has failed to respond to any of my letters that I sent out to them. The mentioned accounts are from XX/XX/XXXX for {$1900.00} and the other is from XX/XX/XXXX for {$880.00}. Because this company failed to follow the law the mentioned accounts need to be removed from my report at all credit reporting agencies.
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33020	Web
N Accordance with the fair credit act XXXX account # XXXX, XXXX, XXXX, has violated my rights. XXXX, XXXX XXXX, ARS 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
03/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77020	Web
I did research on XXXX XXXX XXXX and I found that Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a XXXX bond on file with the XXXX of State of Texas. As of XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) bond status for the State of Texas shows Canceled Close. This indicates that they are not legally allowed to attempt to collect any debts in the State of Texas. XXXX XXXX XXXX, XXXX ( XXXX ) is the company reporting on my credit file for the amount of ( {$920.00} ). I reached out to the company via certified mail multiple about the debt not belonging to me and also that that they are not legally allowed to report in the state of Texas. I have filed a fraud complaint with the Attorney General of Texas, after a follow up call with the XXXX of State of Texas.
07/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA XXXXX	Web
I sent a debt validation letter to the company ARS Account Resolution on XXXX, XXXX XXXX requesting validation of the account currenting reporting to my credit. I requested a signed document from said provider showing that I was releasing my medical information to a third party company. As well as a signed document showing that I was financially responsible for the debt they claim I owe. They responded with a letter dated XX/XX/2021 only listing the account numbers and amounts claimed to be due. They were given 30 days to provide the requested information and have failed to do so in the allotted time. I will send a copy of the letter sent as well as the a copy of the letter received from the company. They are in violation of HIPPA and should not have any access to any of my medical records or accounts.
07/22/2022	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77532	Web	Servicemember
I've made several attempts to have these medical bills removed. By sending letters to the bureaus and letting them know that it is inaccurate and needed to be removed. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything.medical bills more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; These two bills in the amount of {$1800.00} and {$2000.00} are in collection with ARS and the medical bill is coming from the company listed above.
05/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44121	Web
On XX/XX/XXXX, XXXX And XXXX both received a final warning and fourth dispute letter of violation of the Fair Credit Act without accurately verifying any of the accounts belonging to me. I've never received any paper correspondences from XXXX or XXXX this entire dispute process ( only electronic notifications that the accounts had been verified ). On XX/XX/XXXX, XXXX received an offer of settlement before litigation and fourth dispute letter in regards to the ARS account to be DELETED from my credit due to not being in compliance with FCRA Section 609 ( a ) ( 1 ) ( A ) & 611 ( 5 ) ( a ). On XX/XX/XXXX, XXXX deleted the account but inserted it back on to my credit report on XX/XX/XXXX. On XX/XX/XXXX, XXXX deleted the account but inserted it back on my credit report for a SECOND TIME on XX/XX/XXXX.
10/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60438	Web
Reference : ARS ( ACCOUNT RESOLUTION SERVICE ) - {$470.00} On XX/XX/XXXX, I applied for an apartment and was told I had negative collections on my credit files. I was not aware of any collections and contact the credit bureaus XXXX, XXXX and XXXX and advised that the account do not belong to me, nor had I ever been notified about any past due account with this company. All three bureaus came back with the account had been verified. I was never contacted by any one nor can they validate that the accounts belong to me. I am waiting for some kind of documentation from the creditor or collection agency, so that I can dispute the debt, but as of today XX/XX/XXXX, have not been contacted in writing and it has been thirty ( 30 ) days, since I disputed the entries on my credit files. Thank you XXXX XXXX
06/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08075	Web
Went to check on my credit report to find two debt collections mentioned. Wrote letters to both around Winter XXXX. One of the collections removed the mark but the other does not. I keep writing them letters asking for verification or proof that this debt is mine. Called twice as well and written a total of 6 letters over a period of 6 months. Each time they send back the same letter stating the amount of XXXX is due for an emergency room I can not find online. When I called they gave me a random date in XX/XX/XXXX and said I used my Car insurance. the only time I used my car insurance was back in XXXX and that was handled by insurance as I was hit by another driver. I have written to them that a complain would be submitted if they can't provide proof that this debt is mine, so that is where I'm at.
06/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 080XX	Web
I received a medical collection bill in XXXX addressed to XXXX XXXX , I contacted XXXX on XXXX and spoke to XXXX who advised they need to resubmit the bill as XXXX XXXX . Since then I have received several calls from XXXX . When I mention the bill needs to be resubmitted they say it was resubmitted, however the bills they send me still say XXXX XXXX . On XXXX XXXX , XXXX around XXXX I faxed a copy of an E.O.B advising XXXX that this bill was paid. Fax was sent to XXXX , XXXX and XXXX On XXXX XXXX XXXX , around XXXX AM my husband spoke to XXXX who advised it would take 3 days to processif it had been received. On XXXX XXXX , around XXXX my husband called back to confirm receipt, she spoke to XXXX XXXX who advised him to call back on XXXX
04/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77449	Web
I dispute this collection, whether it be my wife or myself we TOLD the hospital billing when admitted That they MUST use services ( doctors, tests etc ) that our insurance covers. All my collections are medical just like this. With all we pay for insurance and copays this is not right. I need these removed I will never pay these. Please help as this really stinks Medical collection accounts can be part of a credit report, but for privacy reasons, certain types of info is blocked from the reports provided to lenders. Medical collection accounts can be part of a credit report. However, for privacy reasons information that identifies the specific illness, type of treatment or the service provider is blocked from the credit reports provided to lenders or other businesses. Thank You, XXXX XXXX XXXX
11/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78242	Web
On XX/XX/18 I sent XXXX a letter asking them to validate these alleged debts. On XXXX XXXX I received a letter from them saying they didn't see any inaccuracies on their end. As you can see in the letter of validation I sent them they didn't provide me with anything I had requested. XXXX failed to validate the alleged debt. Also, XXXX is also NOT allowed to be collecting debts in the state of Texas. They don't have a bond or a license in the state of Texas. Not only has this company been reporting to each credit bureau every month, they are still trying to collect this alleged debt when they legally are not allowed to in my state. I attached all the letters and a screen shot of the Texas Secretary of State website showing this company is Not legally allowed to be collecting debts in my state.
03/30/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77090	Web
Never received any information or documents stating that i owe the debt.They did not contact me by phone at all. I checked my credit report and i was confused about this item that was reporting on my report. This is a violation of my rights, and i will take to them to court if i have to. I am all ready talking to a lawyer and if they dont reply we are going to move forward, because they have no proof that they tried to reach me by phone because they dont have my number. Because their is no way i owe a doctor bill because i have always had insurance when going to the Doctor so i know i never had a doctor bill that went to collections and its says XX/XX/2013 and why would they try and put it on my credit report now. When they dont have my address. So we know by that they never tried to contact me.
01/10/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43016	Web
The company has reported 1 single debt in the amount of {$48.00} to all three credit bureaus as a NEW debt collection account under new account numbers on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX when in fact there is only 1 single account for a medical debt that actually was paid in full by a financial assistance program. By reporting this single account to the credit bureaus as a new debt multiple times rather than as a single account that is outstanding over a longer period of time, it is causing a greater amount of damage to my credit rating. I have spoken to the three credit bureaus and they have referred me back to XXXX XXXX XXXX, stating that the collection agency has to be the group that fixes this mistake. XXXX however refuses to fix this matter and refers me back to teh credit bureaus.
07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77075	Web
I have disputed this collect agency several times. It has 3 different collections on my report from the same agency. I dont even know what this collection is. I disputed one maybe less than a year ago. It went away. And now recently, they added the same collection again! All 3 times. This is not my account. They are harassing and calling my number. This is a disturbance. I do not know where these 3 collections came from. Who are these people. It says its from XXXX XXXX XXXX XXXX XXXX, something about Medical. I have not seen a doctor in 6 years. I do not have knowledge of these accounts. Collection Agency : 1. ARS Account Resolution. {$1600.00} XX/XX/XXXX 2. ARS Account Resolution. {$1500.00} XX/XX/XXXX ( recent one they added on ) 3. ARS Account Resolution. {$950.00} XX/XX/XXXX XX/XX/XXXX
10/19/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 10009	Web
I had a hospital visit two years ago for XXXX. My insurance and my parents covered all the medical expenses. About a year ago, out of nowhere, a debt collection agency ( ARS Account Resolution Services ) started contacting me for a supposed debt of {$640.00}. They however, refused to provide me with any verified documents, itemized bills or any documentation from the hospital or doctors at all. They have been harassing me with phone calls and threatening to ruin my credit ( Which they have already done and I am in the process of fighting ). I have contacted my insurance and they have assured me that they paid their portion fully. I have contacted the hospital, and they can not verify this agencies claims. I would like this matter resolved and would like the harassment and threats to stop.
09/28/2019	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 Investigation took more than 30 days	TX 770XX	Web
ARS ACCOUNT RESOLUTIONS are still reporting information on credit without doing their due diligence. Per the FCRA a debt collector must notify you in writing allowing you the opportunity to dispute or at least investigate prior to placing any items on your credit report. I Was never notified that ARS was attempting to collect on a medical debt from XX/XX/XXXX by a third party. Per statute of limitations in the state of Texas there is a four year time limit with regard to this in the court of law. Recently I checked my consumer reports and disputed this on XX/XX/XXXX and ARS was supposed to investigate this. It has been over 30 days and I never received a response or any documentation regarding my dispute. If this is not removed I am prepared to take legal action against this company.
11/08/2017	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33023	Web
Received communication from XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and XXXX XXXX, XXXX as responses for my disputes of the debt. Prior to this I had never received communication of my right to dispute, nor was I notified of an initial claim of debt into collections. They have provided details of debt in which they claim I owe, however for account number XXXX, it is past the statute of limitation for the state of Florida and they are still attempting to solicit payment from me. Proof of this statement is at the bottom of their validation of debt with the statement, " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' This is a clear violation of my rights as a resident of Florida and I am reporting them as I feel this is against the law.
09/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77075	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XXXX XXXX, 2021. Here is the tracking XXXX XXXX XXXX XXXX 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.
01/29/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33029	Web
I opened a dispute to the credit bureau regards a debt reflected in my credit report " XXXX '' under the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX few days later I received a phone call from that collection company asking to pay off that debt. I told them the same that I stated to XXXX, I haven't heard from this company either about the debt, that I have a health insurance that pay most part of my bills and I always pay my copays on time. I mention this company was violating my HIPPA rights. I also asked copy of all the documents that this collection company claims I am in debt including the document they said I signed to waive my HIPPA rights. I provided them my email. I never received the promised email with all that information.
01/22/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$710.00} ; ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00}
10/26/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 34207	Web
I have five different accounts on my credit report saying that I owe them money for medical bills from XXXX XXXX hospital. For one I never went to XXXX XXXX hospital on or even around these dates and even if I did which I didnt I had XXXX which paid for every medical expense I had. I think someone must have gotten a hold of my information and use it. I have a bad credit score because of this and its not fair because this isnt even from me and its thousands of dollars. Please help me. This is affecting my life making it to where I cant even build my credit due to these fraudulent accounts. They are with XXXX XXXX XXXX and XXXX XXXX XXXX. And some of them are even recent and I have been to that hospital in at least five years or more. And I had XXXX from XXXX to XXXX. Please help me.
09/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31021	Web
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated. I have reviewed my insurance statements and even my personal health chart and I never saw any dr XXXX XX/XX/22 as they have falsely stated on my report.
08/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KY 40245	Web
I recently pulled my credit report and discovered that a collection agency ( XXXX XXXX XXXX ) was reporting against my report and indicating that I had a debt which in fact is not my debt. I contacted ARs and they informed me that they are were not reporting information on me to XXXX. They claimed that XXXX is wrongly matching their record to me. So i contacted XXXX and they opened a disputed case for me with ARS. XXXX claimed that they only report what ARS submits to them. ARS says that this type of matching mistake by the reporting bureaus is common. The disputed item was removed but now it has reappeared on my report. I find XXXX unwilling to even discuss the possibility that they are matching to me by mistake. they also are not very cooperative when i have called them by phone.
06/03/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33313	Web
Two dept collection agencies ; Account Resolution Service, XXXX XXXX XXXX, have been reporting unverified and invalid information to all three major credit bureaus, creating a highly negative impact on my credit score. The agency Account Resolution Service reported a collection in the amount of {$1400.00} and the agency XXXX XXXX reported a collection in the amount of {$780.00}. I reached out to both agencies via certified mail in effort to request that they validate the dept in question. The letters were sent out on XX/XX/2020. I then allowed the collection agencies 30 days to respond to my letter. It is now XX/XX/2020. This exceeds the 30 days I allowed for the agencies to respond. I would like further assistance in the validation or removal of these items from my credit report.
09/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77025	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX 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.
09/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77044	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX 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.
09/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77034	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX 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.
09/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77080	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX 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.
09/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77071	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX 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.
09/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77388	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX 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.
09/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77489	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX 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.
09/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77489	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX 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.
08/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX 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.
07/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77044	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX 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.
05/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77089	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX 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.
09/27/2018	No	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	NJ XXXXX	Web	Older American
DEAR CFPB : This matter is in regards of a debt collector that uses several phone numbers to contact me. I explain the debt collector that i need the fallowing information : 1 ) verification of the debt. 2 ) tp provide me with names and adresses of the original creditor. 3 ) tp provide me with days, dates, bills, from the original creditor. 4 ) provide me with the policy number on my insurance card. Further more i explain and i spoke with the debt collector male who refused to give me his name. And I told Him : 1 ) DO NOT CALL ME ANY MORE. Its against State and Feral laws. DO NOT CALL. 2 ) DO NOT HARRAS ME ANY MORE.3 ) DO NOT THRETENING ME ANY MORE. Date collector wrote me a letter XX/XX/2018. Date i wrote the collector answering Him : XX/XX/2018. Thank you. Very Truly yours ...
01/10/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93292	Web
I received a letter of collection from HRRG XXXX XXXX XXXX XXXX, Florida XXXX stating that a creditor, " XXXX XXXX XXXX reported that I owed monies for XXXX accounts. I checked yesterday with my health care provider billing department if I have an outstanding balance, or anything in collection or even anything owed to a Contracting Service provider and they said I have a {$0.00} ( XXXX ) balance. That I owe nothing. These stated balances are BOGUS and are nothing more than an EXTORTED demand for money that I do NOT owe. Furthermore, I have not been to a doctor for any procedures for quite some time, nothing more than a routine doctors appointment and certainly no " Off Site '' procedures. I have researched this matter on XXXX and there are many other people with the same problem.
09/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77075	Web
have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX 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.
12/20/2019	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OH 43082	Web
Repeated phone calls from XXXX XXXX to XX/XX/2019. The calls occur twice a day at XXXX and in the afternoon between XXXX. The phone calls come in on different numbers with the same area code that my cell is registered in ( XXXX ). The calls always leave a recorded message claiming " This is HRRG calling. Please return our call XXXX. HRRG is a debt collector and any information obtained will be used during that call. '' I have checked my medical bills and have no outstanding debt. I have blocked several numbers that were used for these calls. The most recent calls came through on numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I've registered my phone number on the national " do not call list '' on XX/XX/2019 and have received phone calls from HRRG since that time.
03/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 770XX	Web
XXXX XXXX XXXX are attempting to collect a debt. I have sent letters to this company requesting verification that this debt is mine and to provide proof of such. This has never been provided nor was I sent a letter prior to this account being placed on my credit report. When I sent letters to the credit bureaus all I was supplied with was a general letter that this debt belongs to me, but no proof nothing in writing, no copies of letters, nothing. This is both a violation of Fair Debt Collecting and a violation of Fair Credit Reporting to not verify accurate information. XXXX can not provide any information to me, I have never been seen by a physician or doctor that they are attempting to collect on a debt from 2013. This needs to be removed from my credit file immediately.
07/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 452XX	Web
I have medical debt from XXXX XXXX XXXX XXXX (? ) 3 of the debts were covered by insurance at that time. They refuse to seek payment for same. The MAIN concern is that the debt was sold from one agency to another agency, - ARS. ARS has listed the collection again from XXXX to forward EVERY month in an attempt to re-age the debt. I tried calling them. It did no good. The {$810.00} amount is the one they report every month. That debt was not covered by insurance. I am not disputing that I owe it. However, the debt is from XXXX/XXXX/XXXX. ARS has re-listed the debt/collection as if it were new. It is not. I believe this practice is referred to as re-aging and is an illegal practice. Just because they bought the debt from another agency does not start the clock over ... Please help!
02/27/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 91040	Web
Received a collection letter. After googling the name of the company that claims that I owe them for medical services, it appears this company is located in Fl, which I 've never been to. In addition, it appears they 're a XXXX office, I do not have children. On XX/XX/XXXX I replied to their XXXX requesting information on the services im being charged for including date and place. On XX/XX/XXXX I received a 2nd letter, which is the same as the 1st one. On XX/XX/XXXX, I called the XXXX and in order to verified the acct or provide any info they requested my ss # and birthdate information which I refused to provide. I spoke to a rep name XXXX. I checked my credit report with all XXXX bureaus, and it shows XXXX collections. Please investigate, as I am 100 % sure this is just a scam.
08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 43206	Web
This has been an ongoing issue with ARs for several years the last several months I have reported this company for incorrectly reporting to my credit report that this debt is outstanding and still owed ARS stated that they would look into it and determine my coverage of XXXX at the time if they received my XXXX number they received my XXXX number for nearly 3 months now and have still made no action I have followed every step and request that they have provided in their response to my previous complaints ARS will not respond to my emails they will not respond to my calls with regarding to taking care of this inaccuracy on my credit report ARS will not take action they have every information that they need from me however will not follow up will not take any action on this issue
02/17/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 775XX	Web
According to the Fair Debt Collections Practices Act a third party collection agency must be bonded in the state where they are attempting to collect a debt. ARS ( Account Resolution Services ) located at XXXX XXXX XXXX in XXXX, Florida XXXX is reporting a medical collection in the amount of {$530.00} on my credit report, but they are not bonded in my state of residence ( Texas ) to collect debts, therefore, this should be removed immediately from my credit report and they should stop any collection attempts immediately. I have contacted them at least three times and each time I tell them that I have checked with the Secretary of State in Texas and confirmed that they are not bonded they simply transfer me to a voicemail, yet this collection remains on all three credit reports.
04/17/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77053	Web
Account Resolution Servi # XXXX is fraudulently trying to collect from me another XXXX dollars since XX/XX/XXXX and I already paid them. I recall paying this XXXX dollars at least two times but I can not find the other checks. This fraudulent agencies need to be stop by the government. They know that banks only keep back records for seven years and some people do not keep their records. I keep all records. That is why they need to be stop from collecting fraudulent charges back to seven years. I paid the XXXX primary care physician XXXX dollars on XX/XX/XXXX. I paid them with check number XXXX since XX/XX/XXXX. I gave that information before to that company but they still want more money from me. Guess what? they are not going to get it because I already paid that account.
07/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33024	Web
I was checking my three credit bureaus reports on XX/XX/XXXX and noticed a tradeline unknown to me listed as collections. Company : XXXX XXXX XXXX. Stated Date Assigned : XX/XX/XXXX. Stated Amount Owed : {$1300.00}. To challenge the reporting and compliance on listed account that is being reported on my credit report with incorrect/missing info. Data that appears on terminal screens to credit bureaus centre and collection agencies operators may have masking dynamically applied based on user security permissions. Not based on consumer reporting.This improper procedure is highly damaging to any consumer. Also I am very litigious in small claims court and forwarding today in contacting DEPARTMENT OF BANKING to investigate ACCOUNT RESOLUTION SERVICES. for FDCPA, FCPA also FCRA.
12/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 351XX	Web
I Have not received proof of bill, The Consumer Credit Reporting Act Requires anything on a credit report for the person when asked to provide proof of debt including full break down of charges, This has not been supplied to me, It is also against the law for this person to have my medical record since I have not given them access under HIPPAM they are therefore not allowed to view my medical information, I request that they immediately cease all activities and remove my record from their system and remove the report from my credit report as they are not allowed to have it there with being able to prove exactly what it was for and service rendered with a break down. It is showing they Sold to them by XXXX XXXX XXXX XXXX, and It was listed as them before on my credit report
02/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 320XX	Web
Sent letter on XX/XX/22 notifying ars of non compliance with the FDCPA They received my letter on XX/XX/22 I received a response on XX/XX/22 This letter did not address the non compliance of the FDCPA. Letter was a verification of debt. Sent double email to XXXX on XX/XX/22 with attention for legal department Now submitting cfpb complaint on XX/XX/22 XX/XX/22 Received email from XXXX XXXX ( XXXX ). Attached was 3 pdf letters standing they sent a request to XXXX XXXX, XXXX to delete the accounts from my credit report. He did not address my monetary relief of {$4000.00} for non compliance of the FDCPA. Submiting to credit reporting agencies to delete accounts are a action form for admission of guilt. Now waiting for my check. Attached will be my letter and the 3 pdfs
02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30909	Web
I am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, XXXX, and XXXX informing them that I am a victim of identity theft. Someone opened a credit card, got medical service, and a loan under my SSN. They also made fraudlent inquiries on my report as well. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. XXXX unaware of any of this. I'm asking XXXX, XXXX, and XXXX to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.
03/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34741	Web
ARS Account Resolution has placed an unpaid medical collection account on my credit reports. On numerous occasions, I've requested proof of debt, a statement or breakdown of charges/fees owed from the hospital, and/or contract bearing my signature yet ARS have provided nothing of the sort. I received a response letter to my request simply stating my name, social security number, an amount owed of {$1600.00}, and the name of the hospital which is inadequate. I do not recall this particular hospital visit and is simply requesting adequate proof that can substantiate the alleged debt so that I may review all the charges to ensure that they reflect the services I allegedly received. This matter is seriously injuring my credit profile/scores, in the midst of a pandemic no less.
03/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44112	Web	Servicemember
On XX/XX/2020 I received an alert that an ARS Collections company put a collections on my report for {$530.00}. I do not have any debt and certainly not with any collections company. I have contacted the company for validation of this debt and they are not able to provide it. Now I have a negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from this company, for a debt that I don't owe, which is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, since they can not validate the debt, they must request that all credit reporting agencies delete the entry. This has caused my score to decrease by 40 points and with the Pandemic of COVID-19 I need my credit for business purposes which may hurt my small business.
06/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94560	Web
For the past 6 months I have tried to communicate with XXXX in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XX/XX/XXXX if the following 3 accounts are not deleted by XX/XX/XXXX. I have already waited 6 months!! XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX ARS ACCOUNT RESOLUTION Account Number XXXX
12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32211	Web
I owed some medical debt to a company that sold the debt to a collection agency. The debt is from 2019 and should have been paid by my medical insurance company which the original creditor failed to do. The Collection company has been reporting the debt as recently missed payments and are reporting each month as a missed payment which according to the Fair Credit Reporting Act is not allowed. The only person who can report missed payments are the original creditor who the debt originated with. After contacting the company, they continue to report monthly missed payments which is affecting my credit. I also asked for the company to verify the debt almost a year ago and they have still not done so. The credit reporting bureaus have also failed to verify the debt as well.
03/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77530	Web
I was given this information thru my XXXX App and seen an account that I don't recognize. I called XXXX and was given the credit reporting agency who had recently concluded on my dispute that the information was accurate. So I tried contacting XXXX XXXX and was repeatedly hung up on for days. They will not furnish any information regarding this alleged account that was supposedly opened in 2007. I made my intentions known that I wanted a description in writing of how the investigation into proving accuracy was conducted. This credit reporting agency is who I want to file the complaint against because I don't believe they have effectively investigated this account. I have no knowledge of this account and was only trying to obtain more information on the original creditor.
02/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33147	Web
I have made Several disputes with the credit reporting agency about the account is being reported inaccurately Open. The account has been " CLOSED '' since XX/XX/XXXX. The account appeared open after a dispute of a newly added account by the collection Agency XXXX. On XX/XX/XXXX the accounts suddenly was reported to the credit bureau as " OPEN ''. I have made an dispute. My credit file was corrected, The accounts appeared Closed on XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX XXXX reported the account as " OPEN '' right after i have corrected that it was inaccurately Reported as Open. I have made another dispute.. My credit file was corrected, The accounts appeared closed on XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX XXXX reported my accounts as open again. What can be done here?
06/05/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43224	Web
I do not have a contractual agreement with Account Resolution Service ( ARS ) they have the following accounts # XXXX, # XXXX, # XXXX, # XXXX These account are in violation of HIPPA ACT .I had previously disputed this account. I have never done business with XXXX to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX and I believe it is a HIPPA Act violation. I request that XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt.
09/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77006	Web
I have reported a Health Information Privacy Complaint against the hospital or physician due to releasing private medical information and company charging someone elses insurance. This debt is a result of identity theft where they charged another persons ( My sisters ) insurance company ( XXXX ) instead of my insurance company ( XXXX XXXX ). XXXX and XXXX were aware of this prior to any surgeries or procedures. Because this debt is a result of identity theft and hippa violation ( an XXXX report has been made with XXXX ), I will be suing both the XXXX, XXXX, and collection agency as this fraud issue is now effecting my personal life/credit and agency refuses to acknowledge legal consequences by removing this from my credit report and conducting their own investigation.
01/20/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77379	Web
ARS Account Resolution has reported a collection account to my consumer credit file. Account Resolution HAS NOT SENT any written notice of collection to me at all. If ARS Account Resolution has the right to collect in accordance with the FDCPA This is a request for FULL validation of this account. This includes ALL CONTRACTUAL DOCUMENTS stating and proving that I am responsible for this account and that I agreed to and authorized the alleged debt in question to become collectable by ARS Account Resolution which has reported to my consumer credit file. ARS Account Resolution has no legal right to attempt to collect this alleged debt. ARS needs to validate the address that they have on file as Account Resolution HAS NOT SENT any written notice of collection to me at all
06/14/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 14220	Web
Hello . ARS collection agency. First appeared on my credit report monitoring as an alert, many listings for the same amount. Never received notice in the mail. Sent them a request for validation. Never received an answer. Sent that information to XXXX XXXX XXXX XXXX . All XXXX agencies removed the listings. Fast forward two years later, again I get a notice from credit monitoring saying these have AGAIN appeared on my credit report. Disputed with XXXX XXXX XXXX XXXX . Again sent request to validate the debt - tracked of course though the USPS. They again failed to validate the debt. Still not removed from XXXX XXXX XXXX XXXX . I do n't recognize the account and they did not se nd validation of the debt. Not sure what to do at this point.
09/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77489	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XXXX XXXX, 2021. Here is the tracking 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.
12/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 700XX	Web
To Whom It May Concern, This letter is a formal complaint that XXXX is reporting inaccurate and incomplete credit information on my Credit Report. Please remove the following inaccurate personal information : Also known as XXXX XXXX XXXX, XXXX XXXX Address 2 : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address 3 : XXXX XXXX XXXX XXXX, LA XXXX Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : ARS ACCOUNT RESOLUTION XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
04/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 328XX	Web
ARS Account Resolution has claimed I am in debt for {$110.00} on XX/XX/2002 and flagged my credit account with multiple credit bureaus for " collections '' effectively dropping my credit score by XXXX points. When I was contacted YEARS ago about paying a medical bill, I informed the woman on the phone that the bill was covered by my insurance through XXXX XXXX, and said I needed proof of debt by mail so I could dispute it properly or pay it if my healthcare provider confirmed it was still outstanding debt. I heard nothing back from ARS since then, and never received any proof of debt through paper, or any other mode of communication like I asked for. Years later a collection account is opened and all relevant credit bureaus now have record that I have unpaid debt.
09/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33314	Web
Good evening, ARS is reporting a medical account on my credit that I do not owe. I reached out to them on several occasions most recently on XX/XX/2020 and XX/XX/2020. I requested a HIPPA release, detailed bill of the services rendered and statements showing explanation of amount that include what was covered by insurance. On XX/XX/2020, ARS sent me a letter simply saying they " verified '' the debt. They did not send me any documents proving how they verified it. They simply stated the account number and amount they claim. I have reached out to my insurance and no claims have been filed that insurance has not covered 100 %. ARS is reporting a debt I do not owe. I am requesting they cease their collection and delete this account from all credit reporting agencies.
07/27/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77036	Web
On XX/XX/2019 I disputed the ARS Account Resolutions account # XXXX with all 3 bureaus. ARS Account Resolution verified that this account was being reported 100 % legally and accurately. I know that this isn't true. So I sent a letter to ARS Account Resolutions via certified mail ( tracking XXXX XXXX XXXX XXXX XXXX ) requesting proof of the alleged debt, including the alleged contract or other instrument bearing my signature and complete account history, including any charges added for collection activity amongst other things. It has been past 30 days since the letter was delivered to ARS Account Resolutions. They have failed to provide me proof that this debt is valid. They have not removed the account from my credit reports. They are in violation of the FDCPA.
07/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77060	Web
I disputed this error ( debt that I do not owe ) XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. This agency never responded on either dispute. They finally responded when I filed a complaint but still did not resolve this matter, claiming that they could not find the account and needed me to provide them with more information. I have provided my name, my social security number, my birthday and my address. The burden of proof is not on me. This erroneous debt is defaming my name and causing me to be denied for credit. By the laws of the finance code Sec 392 their time to respond or investigate is up. If this company needed more information they could have requested that from me when I first disputed this error. I need this deleted from my credit file immediately!
09/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33319	Web	Older American, Servicemember
For a few years now, two collections accounts from this company ( XXXX for {$710.00}, and XXXX for {$780.00} ) have sat on my credit report, negatively affecting my credit and FICO scores. I do not know where this debt came from, I am unfamiliar with this company and I have had no known dealings or contracts with this company. I don't know where this negative information is coming from. There is no paperwork, account information/ number provided to me anywhere or anytime to support why this debt even appears on my credit report. It is a phantom debt on my credit report. This company has a terrible XXXX rating and I am submitting a complaint to that agency as well. They have a habit of placing phantom, random collection accounts on consumers credit reports.
04/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 79912	Web	Servicemember
Hello, I had to go to the emergency room for my XXXX XXXX very suddenly. I felt that something was wrong, and when I got to the emergency room they ran some tests and sent them to my doctor. They also gave me an XXXX. My husband was in the XXXX at the time, and we had XXXX. I gave the hospital all the information they needed for our insurance. XXXX covers two visits to the emergency room if they are out of the network, which that was our first time. We thought everything was covered, until we got a call from the debt collector. almost 6 months later. We said XXXX paid it. They said no. We called XXXX. They said they did cover it. I can not afford to pay XXXX dollars to get this off my credit report, and I need to very badly because it is effecting me.
09/29/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30106	Web
I have contacted ARS at the phone number XXXX regarding multiple accounts listed on my credit report, they are all listing duplicate and re-aging on my credit file. I have a seeked a lawyer as this info is damaging. There are three accounts listed {$29.00}, {$74.00}, {$1000.00}. I have asked over and over to please send info and prove how I owe the debts amount. I have yet to receive anything. I spoke with an agent name XXXX back in XXXX XXXX who advised she will have a lawyer contact me and open up a lawsuit if I dont send a check and address it to XXXX XXXX XXXX XXXX XXXX FL XXXX. I also called other times where agents advised they will not resend anything to me. At this point I want to pursue with a law suit for these so called alleged charges from XXXX
07/29/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77079	Web
I have a collection account listed on my credit report ( all XXXX - XXXX, XXXX, and XXXX ) - reported by Account Resolution Services on behalf of a medical debt not specified. From a search conducted on Texas 's treasury site, Account Resolution Services is not licensed to collect in the state of Texas there fore I am disputing this collection account. Please have the collector verify their bond number to collect debts in Texas as the screenshot I have attached, do not match the contact details listed on my credit report for Account Resolution Services. If indeed, they are licensed why are they collecting under a DBA or different name not listed on the license/bond with the state? Account Resolution Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
08/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32771	Web
" ARS Account Resolution '' is reporting on my credit that I have balance of {$1400.00} for Original Creditor " XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ''. I never visited any of such places, so I search and called " XXXX XXXX XXXXXXXX '' XXXX XXXX office and billing team. They do not have any record of mine. I think these guys ( Collection Agency ) has somehow got some of my some info and trying to fraud with it. It's been going for some times as, I got attention only when I saw another fraud of similar nature by another company named " XXXX XXXXXXXX XXXX ''. I am going to put complaint of that company in other complain as they are showing their Original Originator as " XXXX XXXX '' while I never visited XXXX XXXX for decades or any medical facilities.
05/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 604XX	Web
This company XXXX said I owe them {$450.00} for a debt that isn't mine from a medical facility I never heard from or ever been too. I currently have been a victim of identity theft and this is clearly a result from that. This company is rude and is fraudulent and have many complaints on them. The facility that the agency claimed contact them don't have no recognition of me in they system because again, I never been there and thy don't even use that company for collection. I have disputed this with all three credit places to remove this because its not me. It literally popped up on my credit report as new information. They put me in collection for info that is not mine. Be aware of this company they are trying to debate that this is me and clearly its not.
09/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33712	Web	Servicemember
I have submitted disputes through XXXX they have not sent me a contract showing they lent me something or provided service to me and I agreed to do business with them, that it needs to be deleted. I have told them that any contract with you has to be between the accuser and you with both of your signatures. I have no knowledge of this company, have never contracted with them, they are strangers to any transaction with you and are not qualified to claim you owe them something under the Doctrine of Subrogation. I have disputed this with XXXX and the other bureaus and the other XXXX have deleted it. I have demanded validation from the accuser/furnisher and they have not validated with any proof of a contractual agreement between me and them. The company is
09/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AP XXXXX	Web	Servicemember
I received notification on my credit report that I had a collections account. I submitted a dispute through XXXX, and XXXX and results came back that the collections agency stated the debt was accurate. Company name is XXXX XXXX XXXX XXXX from my credit report, date opened XX/XX/2017. They are stating amount owed is {$1500.00} past due, Term 1 month. I have disputed this account again, notifying them that I have no knowledge of this account, nor did I receive services from XXXX XXXX XXXX TX XXXX which is the name of the company that is listed on my credit report. I asked them to verify the information and they have not properly verified. I was not notified in writing of this account. Requesting your assistance to have this removed from my credit report.
12/09/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77433	Web
XXXX XXXX is not legally authorized to collect debt in the state of Texas. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Based on the information filed with the Office of the Secretary of State, the bond for this company has been cancelled, and therefore they are not legally able to attempt debt collection within the state of Texas, where I reside, and can not report these false negative items to the credit bureaus. Please remove this item from my credit report for all 3 bureaus asap and stop contacting me.
10/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33009	Web
I have sent several disputes to the collection agency and to the bureaus regarding a medical debt that ARS Account Resolution continues to report on my credit reports. I have asked the collection agency to validate the debt by providing me a signed agreement for services, and a detailed billing history of this account as proof that the account belongs to me and was not already paid by my insurance company. To date, ARS has either ignored my requests or only sent the same payment invoice created by their company. ARS continues to report the account without legally validating the debt as required by the Federal Debt Collections Practices Act and the Fair Credit Reporting Act, which requires that information reported by accurate, complete and verifiable.
05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 770XX	Web
I disputed a medical collection with ARS that was reporting on XXXX and XXXX and requested validation under the guidelines set forth by the FDCPA, Texas Finance Code and HIPAA. ARS responded but did not send any documentation to support their claim that I owe the amount reported. A demand for removal was sent to ARS and they received it on XX/XX/2021. However, instead of removing it as they should have per federal and state law, they opted to report the disputed account to XXXX. This act has severely damaged my credit reporting and is concerning since each account newly reported was in dispute. I have attached documentation to show that the dispute had not been resolved and this act may have possibly violated several consumer protection laws.
02/24/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32303	Web
i received a threatening letter in the mall from HRRG for a medical bill related to my XXXX son. I have XXXX and PAY NO MEDICAL BILLS at all. These service dates are associated with the XXXX of my son, which was XX/XX/2019. I called the number included in the letter and was rudely handled then hung up on one of the female agents. I called back and requested a supervisor. The young lady who answered claimed she is the supervisor. Her name was XXXX. I recorded the call to send to the news, the FL attorney general, the US attorney general, as well as filed a complaint with the CFPB, FCC and FTC as well as a Florida XXXX Complaint. You all are attempting to collect a debt not owed and has been taken care of by state of florida XXXX program.
07/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 08054	Web
I contacted ARS on XXXX/XXXX/2015 to dispute an item they placed on my credit file. I sent them a dispute letter asking them to provide me with information on this debt with my signature agreeing to this debt. XXXX days went by, they sent nothing. According to federal law and the FDCPA they were suppose to remove this item. They did not. I then sent them a letter on XXXX/XXXX/2015 asking them to cease all communication with myself and XXXX, XXXX, and XXXX. They have failed to do that as well which violates The Fair Debt Collection Practices Act. If they contact myself or ANY of the XXXX Credit Bureaus regarding anything concerning me I will immediately contact FL Attorney General XXXX XXXX directly as well as file a complaint with the XXXX.
09/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33837	Web
I have disputed a medical debt that ARS says I owe. I have repeatedly requested in the last year documentation and signatures to verify this information. The company has refused to provide anything after several attempts at communication and dispute with the CRAs including XXXX XXXX as well as directly. According to the FCRA this is a violation of federal law to continue to report this inaccurate information. I have not been to an ER. This has adversely affected my credit my score and my interest and my ability to obtain credit. I am again requesting any and all documentation and or signatures that claim I am responsible for this debt if not I would like it removed immediately or action to be taken in the form of a a lawsuit and or fine.
07/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 334XX	Web	Servicemember
i checked my credit report and ARS account resolution was listed on my report and i reached out to this company to provide me details on this account and they were unable to verify my information and i never received any notice from this company. I have the same exact name as my father and son and they were unable to verify my information correctly and yet they are still on my credit report reporting negative unverified information! This is hurting my credit score during a global pandemic and i'm unable to get credit when i need it the most to help my family during this time. This is against the FCRA to place unverified information on a consumers report and they didn't even send out any notices pertaining to this account. Unfair!
06/21/2022	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	TX 77530	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
06/17/2021	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 32810	Web
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the alleged accounts presented in exhibit C are in fact compliant and not subterfuge? ( *copied from affidavit attached* )
03/02/2021	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 Their investigation did not fix an error on your report	CA 90062	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
06/29/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 75218	Web
Company ACCOUNT RESOLUTION SERVICES CLAIMED THAT THEY'VE CLOSED AND DELETED REFERENCED ACCOUNT NUMBER XXXX BUT IN FACT THAT'S A LIE! THEY RESOLD THIS ACCOUNT TO COLLECTION COMPANY " XXXX XXXX XXXX '' I'VE ATTACHED SCREENSHOT FROM PREVIOUS COMPLAINT ABOUT THIS COMPANY STATING THAT THIS ACCOUNT XXXX WAS CLOSED AND DELETED THIS WAS NOT THE CASE. THEREFORE I'M PROVIDING PROOF OF THERE LIES. AND SEEING HOW THEY'VE OUT RIGHT LIED TO THE CFPB BY MAKING FALSE CLAIMS OF FRAUDULENT DELETION IS AGAINST FEDERAL LAW! THAT'S VIOLATING MY RIGHTS AND DISRESPECTFUL TO THE CFPB 'S INTELLIGENCE! THESE THREE REFERENCED ACCOUNTS NEED TO BE DELETED IMMEDIATELY OR I'LL DEFINITELY TAKE LEGAL ACTION. Delete account 's from my credit report : XXXX XXXX XXXX
06/18/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78130	Web
ARS ( account resolution services ) did not verify what they are stating that I owe all it says is you owe this much to us for services at a company. They would tell me nothing more then that. The refuse to tell me what services I had or how much these services I supposedly had were. No one can tell me why I owe that much or what I owe that much for. But they keep sending me letters that it is valid and I do owe them. They refused to remove it several times. Furthermore they only sent me letters saying it was valid debt after 30+ days from receiving my validation letter. So they should have removed it on this alone. I cant work with them and they give me no information other then paying them they dont offer any information or solutions
12/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77075	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 XXXX XXXX XXXX. 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.
07/10/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 73013	Web
I called and spoke with 2 people from the original creditor and I was told that the several debts I have with ARS have not been filed to my insurance because they didnt have the information needed to file. I asked if they tried contacting the hospital that sent my insurance or if they tried contacting me and they said and I quote Were a national company, we dont have time to make calls like that. All of these amounts are invalid as they were not filed with my insurance. I contacted the creditor and asked if these could be fixed and they said no because I should have given my insurance information EVEN THOUGH the hospital was supposed to do so. I would like these debts removed from my credit report as they were not appropriately filed.
08/26/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
On XX/XX/2018 in a good faith effort I sent XXXX XXXX XXXX XXXXXXXX a validation of debt letter ( see attached validation letter ) for an alleged debt that was reporting on my XXXX, XXXX and XXXX reports. XXXX XXXX XXXX XXXX never sent any mail stating that was a debt collector attempting to collect this alleged debt, I only found out about such debt by review my credit report. In the debt validation letter I requested that XXXX XXXX XXXX XXXXXXXX give me the name, telephone number and address of original creditor along with other competent documents that give proves that I owe the alleged debt, XXXX XXXX XXXX XXXXXXXX has not responded to my debt validation letter, but yet still reporting this alleged debt to the credit bureaus.
03/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85710	Web
I asked for VALIDATION DATION. I only received the same piece of paper with an account number and an amount on XXXX, letterhead. I have NO KNOWLEDGE of this debt ( I have ALWAYS had state insurance that paid a 100 % of my costs ) Therefore I would like some type of proof that this debt it in fact mine. If you can not provide me with that, this account needs to be deleted from my credit report. I have asked for validation in the past & After asking all accounts were transferred to another collector, except this one. The new collector could not provide validation and removed the items from my report. Im guessing you all cant provide validation either. Yes you say you will send it and send me a piece of paper that XXXX typed themselves.
07/24/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	DE 198XX	Web	Older American
In 2010 I went to the emergency room. I gave them my insurance card and all pertinent information. I received a notice from my health insurance company that the claim was submitted but to the wrong address ( state ) -- it should have been submitted to PA. The insurance company sent them a letter DETAILING how to correctly submit the claim. I called and went over all the information again and explained their error. THEY RESUBMITTED TO THE WRONG STATE AGAIN. They were contacted again and the claim was NEVER RESUBMITTED. I have NEVER been without health insurance in my life. I have already disputed this on my credit several years ago and nothing was done except to put a comment " account in dispute ''. Thank you for all your help. XXXX
08/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33617	Web
I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.
01/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
OnXX/XX/XXXX/2017, AND XX/XX/XXXX/2017 ; I submitted an complaint regarding XXXX XXXX XXXX. This company has not been following any of the following laws, FCRA, OR FDCPA. I disputed this debt on XX/XX/XXXX/2015 with XXXX Dispute # XXXX and this debt was agreed to be removed and deleted from my credit file XX/XX/XXXX/2015, they only remove the debt from XXXX reporting bureau, but have disagree to remove and delete this debt from from XXXX, and XXXX Credit file. They just recently report my account on XX/XX/XXXX/2018 as open charge off. I have called to this company to provide me with the original contract from the original creditors, they have refused to do so without me obtaining an legal Attorney. This is a voilation of my right.
07/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32810	Web
I contacted CFPB regarding Account Resolutions of XXXX XXXX XXXX, XXXX, FL XXXX as they were reporting an unvalidated alleged debt and violating HIPPA also by reporting. They were to remove the account in its ENTIRETY from my credit report because it is also a FDCPA violation. They continue to report this account in violation of HIPPA and FDCPA, but now they are reporting as PAID, which it was never PAID, and as CLOSED, but they never provided validation that the debt was ACCURATE or REAL. They continue to report this and it needs to be removed. They have never provided additional or verified account level documentation as requested. They are currently in willful noncompliance of the FDCPA and violating my rights by doing so.
10/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
COMPLAINT AGAINST : ARS ACCOUNT RESOLUTION = XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX AMOUNT IS : {$1500.00} SINCE XX/XX/2020 I HAVE BEEN SENDING DOCUMENTATIONS SUPPORTING THAT THIS DEBT IN THIS COLLECTION COMPANY IS NOT MINE.ALL REQUIRED DOCUMENTS BEEN RECEIVED BY THEM ALONG WITH WEEKLY REQUESTS TO REMOVE THE DEROGATORY COLLECTION DEBT FROM ALL 3 CREDIT BUREAUS. I HAD 27 COLLECTIONS RESULTED THE IDENTITY THEFT IVE ENDURED AND THEY ALL WORKED WITH ME AND TERMINATED THE DEPILATORIES REPORTING TO THE BUREAUS EXCEPT THIS COLLECTION. I'M IN THE MIDDLE OF CLOSING ON A HOUSE AND THAT STOPS ME FROM MOVING FORWARD. I AM WILLING TO TAKE ANY LEGAL ACTIONS AGAINST THIS COMPANY IF NECESSARY. THANK YOU SO MUCH XXXX XXXX
11/17/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 622XX	Web
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Account Resolution Services, amounts of XXXX, XXXX, and XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. [ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days. Please send me the written contract with my WET INK autograph that I have with YOUR company, as I do not recall having any contract
04/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32818	Web
In XXXX my XXXX year d son had XXXX testing. He has Medicaid and always has since birth. The testing was to be covered by his Medicaid as all testing and medications are. We referred and advised his insurance would be accepted. I received a bill for my son a year after the exam and advised that it was covered by insurance and that he was a minor and should not receive a bill. Now XXXX while I am in the process of closing on my first home a collection has appeared for this very bill. Which one doesnt belong to me and two was to be paid by Medicaid. I never received a bill in my name regarding this collection nor did I ever receive a phone call. Now Im am in jeopardy of losing my home over a bill that was covered by Medicaid.
05/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33615	Web
I have been asking this company to send me copies of the original Medical bills, with my signature and amount date of service to verify this is my account since XX/XX/XXXX this agency has continue to not to provide this information. I have sent several certified letters requesting validation an they will not provide me copies of my original bill however they sent a letter stating they verified the debt. The company continue to verify the debt with all three credit bureaus which has cause mean to have credit issues regarding these medical bills. I have contacted them in XX/XX/XXXX by phone and was told they can't provide me the original Medical record an they refuse to remove this information, they are a third-party company.
08/28/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33064	Web
Since approximately XX/XX/2020, the company HRRG or Healthcare Recovery Group has been calling my phone with an automated system in an apparent attempt to collect a debt. When I speak with them, I am informed they have no information on me or my telephone number. I currently have no outstanding debts and have no idea why this company is calling me. These calls occur almost on a weekly basis. I have ask them to stop calling and to remove my number from their system. They assure me they have taken the number out of their system yet the calls continue. I have filed complaints with their company, the state and the XXXX. The calls continue. I am asking the CFPB to assist in making this unwarranted And unwanted harassment stop.
05/24/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 125XX	Web
I mailed letters to every collection agency on my credit report. I had insurance and am being charged for medical expenses. I tried to call and fix the issue, I mailed letters. When I go to dispute every one on XXXX it doesnt allow me to go through because it says I answered the security questions wrong. They are questions like who did I open a car loan with in XX/XX/XXXX and what bank account did I open in XX/XX/XXXX and I dont know if someone is using my name, but I answered all of the questions right and it said my answers dont match their records. This is crazy. I am XXXX years old and XXXX and trying to clear up these crazy and unknown debts and collections and I cant even go through with it. Please someone help me.
03/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 07601	Web
ARS is reporting a debt of {$1500.00} on my credit report however I do not owe this debt. I have reached out to the XXXX XXXX XXXX, which was the hospital I was seen at in XX/XX/XXXX and they stated that I do not owe {$1500.00}. Also someone from the hospitals billing department called the insurance company XX/XX/XXXX at XXXX letting them know that I dont owe {$1500.00}. I have also called my insurance company that I had at the time which is XXXX and they told me nothing in their systems states that I owe that amount. I reached out to the collection agencies about three times now and they still refusing to remove this debt or provide any validation or proof of this debt. Also they have hung up in my face several times.
04/23/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33511	Web
XX/XX/2018 i contacted XXXX in reference to two accounts being reported as bad debt..i first asked them to furnish me with the original application showing my signature..Rep said she didn't have to SHOW that i told her according to fdcpa A debt has to be proven she said their is no such thing ... 2nd i asked when did i come to agreement with XXXX to have access to my medical records..i advised her i need proof of such occurrence..she placed me on hold..a supervisor got on the line stating if debt was not paid they could garnish my wages even sue me i asked for this in writing they disconnected the call.. I called back another representative came on the line and immediately said we refuse to talk to you and disconnected
10/28/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 074XX	Web
On Friday XXXX/XXXX/XXXX I was in receipt of a phone message alllegedly from XXXX stating that needed to call a phone number XXXX to discuss a debt that I do not have nor was any other information given about any so called debt I might have. I believe this was an attempt to coerce me into giving private information to sources that use such information illegally. My concern is that such organizations give false information out and this gets picked up by credit agencies and create false reports hat cause me to be denied emplyment or creatre false reports tha tlower ratings in other areas. AT NO TIME WAS ANY DOCUMENTS EVER PROVIDED SUCH AS A BILL OR OTHER REPORT INDICATING THAT I OWED ANYONE ANYTHING IN THIS MATTER
07/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MD 20886	Web
HRRG contacted me informing me that I had an outstanding debt for emergency room services from XXXX. I contacted the hospital they told me the charge was with and the hospital said I did not have an outstanding debt. I asked HRRG to contact my insurance company to see if they had not paid an invoice of some sort. HRRG informed me that the insurance company never responded. I asked HRRG to send me an invoice for the amount due. I received the invoice from HRRG which clearly states the balance was paid by the insurance company and that my personal amount due is {$0.00}. They have continued to call me from different numbers to harass me, asking for personal information, and not acknowledging that the debt has been paid.
09/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44137	Web
A Collection account was added to my consumer credit report by Account Resolutions Services. The account was for a medical account that I did not owe. The account was from XXXX. At the time I had Medicaid and the account should have been taken care of by Medicaid. I disputed the account with ARS several times over the phone and they refuse to remove the account until they heard from Medicaid. I let them know they were reporting inaccurate information on my consumer reports and that they had no right to do so. While the account was on my consumer report for over two years. That negatively affected my character and my ability to receive financing. I wasn't able to rent an apartment because my credit score was too low.
08/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33162	Web
I tried contacting this company via mail and phone with no success this debit is false and affecting my livelihood. This letter is to notify you that you have posted a " Consumer Dispute Statement '' on my credit report that is preventing me from obtaining mortgage financing. While it is my right to post a consumer statement on my credit report with credit reporting agencies. The account history information reporting on my credit profile with the three major credit reporting agencies ( XXXX, XXXX and XXXX ) for the accounts listed above are reporting accurately and are not in dispute. Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company.
02/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 080XX	Web
Conversations via phone and mail were held by power of attorneys and XXXX representatives. They have failed to verify or validate their claim according to law. When identity theft was suggested, they removed a few of the reports from the bureau but not all. This situation dates back beyond the statute of limitations of any debt. This is the final attempt to have XXXX cease and desist before we pursue litigation for false reports, libel, and other violations of the FTC and the FCRA. The claim now is dated for XX/XX/2018. Clearly XXXX continues to not only falsey report an invalidated claim, but unlawfully renewing a claim which they initially dated a decade ago. C/O XXXX Account Claims # 's XXXX,XXXX,XXXX,XXXX
05/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77075	Web
The aforementioned credit collection agency representing whomever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX , XXXX and XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ARS Account Resolution does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they nee d to retract this from my credit file immediately.
11/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34761	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Here is the account that needs to investigate and remove from my personal credit file : ARS ACCOUNT RESOLUTION - XXXX
02/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
I sent ARS Account Resolution Services a letter on XX/XX/XXXX requesting they verify the validity of debts reported on my credit report. They have failed to respond or provide me such verification. I checked my credit report today and they have added yet ANOTHER account to my credit report between XX/XX/XXXX and XX/XX/XXXX. In which I did NOT receive any notices which they are required to do : Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to your report. The collection agency is ARS. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXX Upon further research of this company I have found that they are not licensed in the state of Florida to collect debts in which I have proof of.
08/15/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33055	Web
Hello I am having an issue with a series of multiple medical collections being reported against my consumer credit files by a company that refuses to process my disputes. They have yet to verify anything, even though I have asked them for the better part of 1 year. These accounts are reflected against XXXX, XXXX and XXXX and are stamped as " meets FCRA requirements '' but none do as none have been documented to me. I contend that they are not mine and the company reporting them has failed to investigate the matter as directed by myself in compliance with my rights under FDCPA/FCRA. I have been given the run around for a long time and am asking for mediation by this federal agency in addressing this matter.
08/24/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 77082	Web
Good afternoon. I have disputed several Medical collections on my credit report and each and every time the information comes back as verified. For starters, I should not have any unresolved medical bills. Furthermore, how are the Credit Bureaus verifying the information? HIPAA laws restrict certain parts of my medical files. My personal medical information can not be released to the Collection Agency without my consent and I dont recall signing an agreement with the Collection Agency. Its it the Credit Bureaus responsibility to verify information before inserting it in my Credit Report. I want this unverified, incorrect information removed immediately for all ( 3 ) Bureaus. The accounts have been highlighted.
05/07/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	SC 294XX	Web
To date I have received at least 10 calls on my cell phone from HRRG Collections which XXXX says collects medical debts. I do not have any medical debt and nor do I owe anyone for anything. They mask the calls to look like local calls and all the messages say do not delete this message and please call XXXX. XXXX says this is a company that used questionable tactics and do not contact them. They will harass you and increase the money they say you owe. I reported this twice to the XXXX Fraud Hotline and temporarily the calls stopped but always seem to start again. I always enter the number and block it on my cell phone but they change the number they are calling from and call again. I want these calls to stop
04/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web
I am a victim of identity theft. I got an alert today stating that I had a new account on my credit report from ARS Account Resolution for a medical debt from a hospital in XXXX New York. I have never been to an emergency room in any state let alone New York. I have never done business with this hospital and this debt is not mine. This debt is either being reported as a mistake or a result of the ongoing identity theft but regardless this debt does not belong to me. I was asked by the credit bureaus to send in an updated FTC identity theft affidavit for this specific collection account which I have done and submitted to the FTC. A copy of the report which was filed with the FTC is attached to this complaint.
01/15/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34234	Web
XXXXXXXX XXXX XXXXXXXX Amount {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have disputed with these companies how my rights was violated by HIPPA, I have no communication with the reporting company that this was a collection for my report and I have not given them consent to report on my credit profile because it was not formally verified AND the companies has not submitted any supporting documents that is was my account. I have demanded physical evidence from XXXX and XXXX but they have not sent any evidence to confirm this account meets the FCRA. They have also not responded to many unauthorized inquires that was not removed from my account.
11/07/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33511	Web
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you verified the accuracy of this alleged debt, but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER.According to the law, you must comply when a consumer requests a debt validation letter. This time to make it easier for you. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. You only have within 7 days to complete this request, failingthat, you need to clear my records.
01/14/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NY 14225	Web
I have sent letters for over a month ago and I have not received any documentation from the Credit Bureaus Section 809 stated ( 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.
06/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OK 731XX	Web
Ive sent several letters to these collection agencies to show me proof of accurate debt because my HIPPA rights haven been violated. I believe your company has violated several of my consumer rights. Specifically, you fail to validate a debt at my request, which is a FCRA violation and you continue to report a disputed that to the credit bureaus. Not only have you ignored my prior request for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. As you may be aware, Estoppel by silence legally means that you had a duty but to speak but failed to do so therefore, that must mean you agree with me that the debt is false. I will use the XXXX in my defense.
06/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
Pursuant to 15 USC 1692. ( a ) ( e ) and 15 USC 1692a. ( 4 ) Account Resolution Services is in violation of the following, but NOT limited to : 15 USC 1692b. ( 2 ) ; 15 USC 1692b. ( 5 ) ; 15 USC 1692c. ( a ) Account Resolution Services has been notified of these above mentioned violations and more via certified mail. They are attempting to collect a debt that is not theirs to collect, and a debt that is not owed by law, because I am, the consumer, and the creditor. Therefore any additional attempts to collect on this alleged debt is now considered fraud. If ARS doesn't comply with federal law they will be held accountable for willful non compliance as stated in my address certified mail correspondence.
12/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OH 44107	Web
Account Resolution Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, Phone XXXX has fraudulently filed a debt claim against me the consumer stating that i obtained services from XXXX XXXX XXXX on or about XXXX/XXXX/XX/XX/XXXX I hereby assert that i did not receive any medical services from XXXX XXXX XXXX in XXXX, Ohio XXXX whatsoever, and that i personally contacted XXXX XXXX XXXX who confirmed that they do not have any record of my receiving any medical services from they agency on or about XXXX/XXXX/XX/XX/XXXX. I requested for the collection agency to forward me a copy of the bill of the alleged services via written dispute to them as well as to XXXX and XXXX during XXXX of XXXX but to no avail.
03/29/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 770XX	Web
I have repeatedly sent out complaints about XXXX collection agency. Texas requires all collection agencies attempting to collect debt or reporting on consumer reports to have a surety bond on file with the secretary of the state of Texas. XXXX ( XXXX XXXX XXXX ) does not have an active surety bond filed. The results of my complaint are on file with the XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) is the company filing on my credit file. I Have Filed a complaint with the XXXX XXXX XXXX Of Ohio, as well. I have also filed a fraud complaint with the attorney general of Texas, after a follow up call with the XXXX XXXX XXXX of Texas. All of these actions have taken place between XX/XX/XXXX and XX/XX/XXXX.
06/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79927	Web
I have requested multiple times for this account XXXX to be investigated properly with the original creditor and I'll I get is a response that the " data furnisher '' has verified the account. Yet the account being reported does not have any information on who the creditor is? Contact information? On some of my request I have asked who and how the account was verified to make sure it was not dont through what is known as the XXXX system or similar to it which does not constitute proper validation. I have also requested if the Reporting Agency XXXX has HIPPA release to hold such information since it is a medical account and again have failed to provide such, I will also follow a complaint with HHS.gov
01/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70560	Web
I regularly monitor my credit reports due to identity theft that Ive been having is I deal with for several years. I got an alert that there was a collection for a doctor in Florida, but I havent been to any doctors there or even been to that state in many years. I contacted the collection agency and sent them copies of my ID theft report and police report. I even sent them proof of where it was at the time the person who was impersonating me was seen at the hospital. They still refused to remove the fraudulent debt from my credit file. I then contacted the credit bureaus and sent them the same information. All they did was notate that it met FCRA requirements, but its still showing on my reports.
03/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32810	Web
ARS Account Resolution FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX {$53.00} - XX/XX/2018 The debt has been paid twice! One credit bureau removed the debt ; however, the other hasn't! I have placed several calls, sent certified letter and my attempts has been unsuccessful! Yes the amount is {$53.00} but this debt is showing as derogatory credit and I would like it removed because it was paid in full! The company cashed the money order ; however, never removed the debt! I am asking for your assistance to have the company remove the balance immediately! I can provide a copy of the certified document and my request to XXXX balance! Thanks in advance! All your assistance is greatly appreciated!
12/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web	Servicemember
I've tried to correct the fraud in my name with this collection agency numerous times and they continue to insist that it's owned by me. When I ask them to provide proof of my signature and or photos of the ID or driver licence used for each individual charge, they've have not done so. These are not my account. These accounts were used fraudulently. Both XXXX and XXXX have removed them from my credit report after XXXX XXXX XXXX provided no proof. However, XXXX has allowed them to just said that they've verified the fraud account without showing any proof. Please help me with this matter. The bills total {$100.00} and {$82.00}. Unfortunately, I don't know what date these accounts were used or made.
07/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA XXXXX	Web
I initially mailed a VALIDATION letter to ARS in XXXX of this year ( 2021 ). I only received vague information on their letterhead, nothing proving that the debt could be for me. Next, I submitted a second letter specifically asking for validation, proof ( documents bearing my signature, statements, etc ) and method of verification etc. They in return sent the same letter again. I would like to receive the proper validation I am due by law. If they can not support their claim I would like this collection to be ceased from reporting to the bureaus and also removed from my credit report. This is my last step before going to my hometown court house to initiate a small claims case against HRRG dba ARS.
07/12/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK XXXXX	Web
I have dispute this account and they have not provided proof that I owe said amount or contract from there client show I agreed to pay said amount with my signature, but they have report to my credit report as a finial and only notice they will receive : if they don't provide a written contract with my signature I don't consent for them to get my medical report for that doesn't validate a debt nor does a itemized statement the contract should comply with Oklahoma truth in lending laws which requires a signature on a contract amount disclosed for services finance charges if any amount due. I do intent to file in Oklahoma court and sue for {$1000.00} per report that its been place on credit repoert
04/01/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30294	Web
The FDCPA has been violated by XXXX and the Parent company. I've repeatedly requested that this be removed from my credit report as well as requested information validating the debt and your company has refuses. On XX/XX/2014, my son XXXX XXXX was treated for a XXXX at XXXX XXXX. The insurance provider, XXXX paid the medical provider {$820.00} at discounted rate according to the XXXX XXXX XXXX network Agreement. However, the medical provider group for physicians sent my information to a collection agency and I informed them about the issue to remove it from my credit report and they refused to remove it or validate the debt, if any owed on the account. The account need to be removed immediately.
09/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
Account Resolution Services is not treating me fairly and is breaking the law. I am a victim of identity theft ; my reference number with the FTC is XXXX, and this company is demanding payment for deletion even though the debt was a product of fraud. They are calling me harrasing me in fact after I demanded they cease all contact with me. I want them to remove their collections from XXXX and XXXX. They never sent me a bill or letter before the collection was reported to the CRA 'S and they know that but still demand payment for deletion. Also when I disputed the collection with XXXX they did not ceace collection attempts and reporting to the CRA 's. They will not stop harrasing me. Please help me
11/30/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	SC 29906	Web
The collection company HRRG, has left several messages on voicemail by an angry man who demands I call the number back with no details on why hes calling. On XX/XX/22 at XXXX HRRG called me and I returned the call. I talked to someone on the phone they said I owed a medical debt, but she was rude. I told them I dont want to deal with them and also contacted them on their website XXXX XXXX I rather them take other legal actions than to call further. Hrrg repeatedly called my phone again on XX/XX/22 at XXXX, XXXX, XXXX, XXXX, XXXX. I understand they contacted me about a debt, but that was excessive and I had to turn on a spam killer, because I was at work and couldnt receive calls from my manager.
04/26/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77063	Web
I request debt validation fro m ARS whe n I noticed it appeared on my credit reports. I never received any notification from this company, and it was showing up as a medical debt which should never be the case, because I have health insurance. I sent my initial request on XXXX XXXX XXXX They responded without providing debt validation. They provided not documentation with my signature or any paperwork showing that I agreed to this debt. I sent a follow-up notice on XXXX XXXX XXXX stating that this debt had not been properly validated and that I wanted it removed from all of my credit reports. They have not responded, nor has the collection been removed from my credit reports.
03/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75227	Web
XXXX contacted me via mail and phone. They say I have a pst due debt from XXXX XXXX XXXX XXXX ( never received a bill from this particular company -- XXXX it and it does not exist -- first red flag ). The bill was allegedly from my hospital visit back in XX/XX/2017, which all but one bill from that hospital visit has been paid in full. I have researched this business and it seems to be a scam. They called me as well, the lady was extremely aggressive and wanted me to give identifying information about myself so that they could open my account. I told her I would not be giving identifying information about myself because I believed this was a scam. The woman then yelled at me and then hung up.
10/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34983	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ACCOUNT RESOLUTION SERVICES ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/19 Balance {$2200.00} ACCOUNT RESOLUTION SERVICES ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/19 Balance {$1400.00}
09/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77018	Web
There is a medical collection on my credit report that I do not believe I owe. I have disputed the debt with the credit bureaus, and the only response received was that the debt met FCRA guidelines. I then sent a HIPAA request for validation of the debt to Account Resolution Services XX/XX/XXXX and I have yet to receive a response. I have no idea what this debt is for, and I have no knowledge of the service provider. This misreporting is hurting my credit, and the collection agency is not providing me with validation of this debt. Collection Agency : Account Resolution Services Provider : ARS XXXX XXXX XXXX Date of collection : XX/XX/XXXX Account Number : XXXX Amount of Debt : {$2000.00}
10/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NY 142XX	Web
I was in a car accident XXXX XXXX and after I received all of my medical bills including my medical bills that was charged to me for my insurance company to handle/pay for me and I have my paper trail of that in my files on my car insurance app so I dont understand why this place is trying to add this on my report with that has already been handled by my insurance company already this 2year line that has been affecting my credit and I am LIVID about it because this bs has BEEN handled not this bs isnt doing nothing be affecting the XXXX out of my credit. My hospital and ambulance bill has BEEN paid by my insurance company and it shows and when I look this up its not real XXXX? What is that?
10/18/2021	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 33168	Web
On XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX has reported on my account, collection agency ARS added a derogatory remark on my credit report per XXXX XXXX and XXXX. Upon, further research, this account was transferred/sold and I was not provided with any documentation of proof that I am responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ARS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
05/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33405	Web
I had a notification from my credit reporting agencies indication a major action. So I looked into it. Come to find out I have a collection on me for a " medical '' bill. Problem is, I haven't been to any medical professional, hospital, emergency room or anything relating to that in over 15 years! I am in an active dispute with the 3 credit reporting agencies. Now over a year ago I did misplace my wallet. And it was found and mailed to me. Money was missing but otherwise seemed untouched. I didn't think anything of it at the time. Maybe this could be a pending result of that? I'm not sure. But I know this debt isn't mine because the services they claim, I haven't used such in over 15 years!
09/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32757	Web	Servicemember
I was taken to the hospital I was employed at, we have insurance thru this same hospital, all insurance claims were to be sent to our hospitals insurance carrier i never received a invoice for anything then all of sudden when checking out my credit report this doctors group had sent it to collections, now it appears on my credit report twice as the first collection company sold it to another, this is not right, I paid my copay for the services rendered and if you look up the history of this doctors group they do this all the time, several complaints have been filed against this group, which basically all they are a traveling doctors to fill in when hospitals have shortage of medical staff.
02/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 95620	Web	Older American
I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus. I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof. XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX First time contacting this agency was XX/XX/XXXX. They sent me a print out but no signature. The latest letter I sent was on XX/XX/XXXX.
06/05/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32839	Web
I attempted to file a dispute with ARS Resolutions on XXXX XXXX , XXXX based on a debt that was already paid. I requested validation from the company supporting it was unpaid and they were unable to provide documentation all they could provide was a invoice number and balance on XXXX XXXX . This is not validation. I submitted a letter to all XXXX bureaus showing the debt was paid as of XXXX XXXX XXXX but this company refuses to acknowledge the payment. I called ARS on XXXX XXXX and they began to provide info on my doctor visit which they should not have as it is a violation of my HIPPA rights. I am requesting this debt be removed immediately as I do not owe it.
02/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32221	Web
I advised ARS Account Resolutions that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They have yet to remove the debt. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. One of the items is for {$58.00}! When calling the company today they advised they will not remove the debt and I need to pay it or charges will be filed against me. I want all 3 items removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.
07/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36117	Web
Last year or so I received a collection account on my credit by ARS Account Resolution in the amount of {$430.00} without notification and in which I have no knowledge of. I disputed the account and it was removed from my credit report. This past XXXX the account was placed on my credit report again without warning/notification. I have not received any type of communication from this company regarding this debt before the account was placed on my credit report. I tried to have the company to validate the debt in which to this day I have not received any type of correspondence. I 'm receiving notifications that the debt was removed from my report only to be added back shortly after.
01/24/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92040	Web
I have made numerous attempts to contact the Healthcare Revenue Recovery Group , LLC, after they sent me a notice of a potential debt. They advised me to email them. I did so multiple times to multiple email addresses. They have never replied nor confirmed they received my message. On their letter they advise emailing XXXX, I have emailed that address over 4 times to no avail. They also suggest emailing XXXX, I have emailed that address 3 times and gotten nothing back. They suggest calling ( XXXX ) XXXX, both in the letter and on their website. When you call this number you hear a statement which says the line is not in service. They have not made it possible to be contacted.
06/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34758	Web
I have attempted to resolve this matter and inform the ARS Account Resolution Services this debt is not owed by me and requested strict proof according to the FCPA, Section 609 ( a ) ( 1 ) ( A ). I never received a copy of the contract, agreement or any things with my signature proving this debt belonging to me. I have NOT received services as implied. I strongly believe this debt belongs to someone else and I have expressed this to ARS Account Resolution Services multiple times., this debt is a fraudulent. They continue to ignore my request for proof of debt they have ONLY sent me a copy of their invoice but have failed to provide strict proof of the debt as demanded numerous times.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 92104	Web	Servicemember
I was recently billed a debt collection reference number XXXX from XXXX XXXX XXXX in the amount of a {$420.00} it says it is from a debt owed by XXXX XXXX XXXX account number XXXX this is from an emergency room visit I dont remember which hospital that I actually had a workers comp I do not know why they have now put it in collections against me I do not need that on my credit report because it was something covered under his Workers Comp. I got injured at work they gave the Workers Comp. information I gave the Workers Comp. form to my former employer and there should not be a debt owed to this account I am now complaining that this is now harming me by bashing on my credit history
09/26/2019	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 34748	Web
I am complaining about the collection agency, HRRG. Unfortunatley, I did not forsee this problem and don't have a list of dates. However, it started in around XX/XX/2019 with mail correspondence. I called and explained that I had been unemployed and seeking work for some time and could not possibly pay the bill. I could not make payments, I am not shirking my responsibility, but I simply am barely surviving right now. HRRG then proceeded to bombard me with mail. Quickly they moved on to daily collection calls, sometimes twice a day. The calls have been going on since at least XX/XX/XXXX. I don't know what to do. I would love to find a job and pay the thing. Anyone need a bookkeeper?
02/08/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MA 019XX	Web
Received debt collect bill from Account Resolution Services a debt collection agency, on XX/XX/XXXX about charges from XXXX. The provider makes no sense, I called ars twice to get more details, but they refuse to disclose info, was told i need a lawyer. I also requested in writing via snail mail who sent them this debt, no answer. I believe it is an attempt at a fraudulent collection, as i had insurance in all of XXXX, and my insurance company never received any bill from provider shown in ars collection attempt. I am asking consumer finance, to please retrieve relevant specific information about original debt, or request ars remove collection attempt, or i will take legal action.
08/10/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33027	Web
Company has violated several of my rights under FDCPA. I have tried on multiple occasions to remedy these issues with the company but they refuse to cease from reporting false information to my consumer credit file. I have included not only a dispute to cease all communication with me to this company but i have also included a invoice and stated the laws that this company has violated my rights as a consumer for far too long. My ideal solution would be for this company to pay the invoice in full for inconvenience and humiliation they have caused me and to remove all information they have reported on my credit file and from the 3 main bureaus database as well as soon as possible.
04/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77521	Web
There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively. XXXX XXXX XXXX Repossessed no balance due! Account never fulfilled XXXX XXXX- Never Opened ( fraud ) XXXX XXXX- never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX- Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!
12/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77356	Web
On XX/XX/2018 I submitted a complaint against XXXX XXXX XXXX XXXX for a debt that was not verified. The company responded stating they had sent debt verification and the debt was valid. As of this date, I still have not received validation of the debt other than an invoice received, on their letterhead, showing the amount due. I have received no copies of the original invoices, no proof that the company is legally entitled to collect the debt, no proof that the company is contractually able to collect the debt on behalf of the original creditor, nor proof that the debt belongs to me. The company continues to falsely claim that they have met their oblications under the FDCPA.
04/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77089	Web
I am being hounded for a medical debt by a company that is not bonded in the state I reside in XXXX Texas XXXX. After numerous attempts to have them validate the debt with written proof that I am in an agreement with their company specifically ( XXXX XXXX XXXX ) they failed to do so and only sent general information in the form of a bill for the account that I am not familiar with as I have no knowledge of this debt. I am asking that this account be removed from all credit reporting bureaus immediately due to this fact. My account number with the company is - XXXX. Please confirm receipt of this request an I look forward to its ' immediate removal. Thank you XXXX XXXX
02/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85212	Web	Servicemember
Referecnce CFPB Complaint : XXXX and XXXX This company has NOT provided any validation of the debt in question. Written proof from the provider and Debt Collection Company have been requested multiple times and no infomration has been provided. The debt company is in within the terms of FDCPA and FCRA. Mulitple requests have been made and no proof has been provided. I will continue to dispute this alleged debt with the collection company via the CFPB and all Major Credit Reporting Companies until the collection company removes the debt from my credit report. They have clearly violated and not followed the rules set forth from regarding the FDCPA and FCRA Regulations.
08/25/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 90804	Web
I spoke to a customer service representative over the phone ( recorded conversation ) regarding a medical bill I had for ~ {$700.00}. She told me that once I paid them, they actually offered me a settlement amount, they would update the debt as being reconciled and have the collection item removed from my credit. Upon me paying them, I believe on XX/XX/2017, I received updates from the credit bureaus stating that the collection item is open the very next day. I receive credit report update alerts. I called to follow up with them to have this problem fixed, and they are n't honoring what they told me. I just want the company to update my credit report per our agreement.
12/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33594	Web
My medical bill from XXXX XXXX dated XX/XX/2018 was written off through XXXX both from the hospital and the attending physicians. The original credit XXXX XXXX XXXX also wrote off this bill to XXXX and they sent an email on XXXX to ARS telling them that the debt is not owed and to remove the debt from my credit reports. ARS continued and continues to report this debt as VERIFIED AND ACCURATE AND CONTINUES TO REPORT FALSE INFO TO THE CREDIT BUREAUS. I have disputed this account many time and they continue to cause me great emotional harm and financial harm. I am now seeking attorney advise on possible lawsuit. I do not owe this debt and it should have been deleted already
03/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NY 125XX	Web
I recently looked at my credit reports and noticed a collection on there from a collection agency known as ARS account resolution. The original creditor name is XXXX XXXX XXXX XXXX NY and the date assigned is XX/XX/XXXX, The date of the first delinquency is XX/XX/XXXX. The amount owed is {$740.00}. I have never used this medical location and don't know how they got my information. Also there is an address on my credit report that does not belong to me, XXXX XXXX XXXX, XXXX, NY XXXX. I contacted the collection agency and they said that there is someone else 's birthday that was not matching mine. I contacted XXXX and XXXX and they said the file a dispute through the CFPB.
12/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 45356	Web
This company has repeatedly called me over a debt that I do not owe. They have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I wrote them and letter and explained to them that I do not owe this debt and told them to stop contacting me. I spoke to them 2 times when they called and explained to them that I do not owe this bill. They refuse to stop harassing me. My daughters mom took her to the dr and she signed the finacial responsibility and I explained this to them and told them to call her. They told me that they are calling me because I have insurance on my daughter. I am not responsible for this and I want the harassment to stop.
04/13/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 13502	Web
ARS Account resolutions are forcing new to make payment on a debt that is not mine to begin and that I never received emergency service ambulance from any company they threatened to damage my credit despite the fact I send them information that I did have insurance so there is no way your were not paid for service if it were true I fax them the document but they end up sending to collection for something I am unaware or know about it on top I have health insurance. Amount is {$460.00} or emergency service that I never received or was sick. I dispute with XXXX they still kept the collection while all other credit report agency XXXX XXXX and XXXX removed the collection.
08/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 305XX	Web
XX/XX/XXXX I was a passenger riding with an associate and a lady hit us in the back, by the time we arrived in Tennessee which is where we were headed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I went to the XXXX XXXX ( XXXX ) to get checked I did mention I was a victim but that I also had insurance because I was XXXX. Fast forward to a collection agency calling me in XXXX over a {$1000.00} bill so I am on XXXX so I start paying {$10.00} a month but Ive asked why my visit wasnt covered. A few days ago a collection agent told me that my XXXX bill was paid by charity so I still have yet to receive a debt validation letter or a letter for me to dispute this because its wrong
07/29/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 23238	Web
Called ARS ( Account Resolution Services ) about 2 medical bills to work on paying off. after I called they told me that I owed almost XXXX even thou on the credit report the two bill are XXXX and XXXX. They can not show me proof of all these nor will they remove the others from my credit. I'm not goin to pay for items I never got or received just so they can make more money. the interesting thing also is that they show to have two accounts at the XXXX and two at the XXXX and then these few random small amounts. it looks like they just copied/duplicated the bill and changed account number just to collect more. why do you keep letting the scam artist stay in business.
01/24/2018	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
To XXXX, XXXX, XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts XXXX, XXXX, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.
01/31/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 954XX	Web
I was in the hospital in XXXX of 2015 I XXXX, I was taken to XXXX hospital in XXXX, Calif and XXXX to the XXXX in XXXX, XXXX where there I was in a XXXX for three weeks. I am a XXXX patient and they have paid all of my bills and pre approved my stay. I received a bill from Healthcare Revenue Recovery group. Stating that I owe XXXX and if I do not pay it in 30 days they are going to file a judgment against me. I have called them at first they were not going to give me the creditor information, I have called all XXXX hospitals and physicians and all have said I have a XXXX balance. I do n't know what this is but a scam, and now they have my information please help me.
05/15/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94043	Web
I received a letter of debt collection from a company named HRRG, who claimed to collect XXXX amounts of medical debt on behalf of creditor XXXX XXXX XXXX . XXXX in total of {$64.00}. My son did go for an emergency visit on the date listed in the letter, however if my memory does n't go wrong, my son was covered by the medical insurance, and I have paid the out-of-network part with my credit card in the hospital. I have not received any phone calls or letter from the hospital after the visit almo st six months ago. Hence I did not know what this letter comes from, especially they did not state the specific provider and the location of the service.
04/28/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 94560	Web
About 60 days ago to be exact i viewed my credit report and noticed an account on there from the company i am filing this complaint against .... ARS ACCOUNT RESOLUTION. I was not aware of the debt because i was never notified by them or the original creditor. It says on my credit it is for medical but i have insurance? I sent them a certified letter on XXXX XXXX and i still have not heard back from them and the account is still listed on my credit. I do n't understand how they can post a account on my credit that is not mine and or post an account on my credit without validating the debt first to even see if it were mine or to offer some type of resolution.
07/05/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08080	Web
I sent Account Resolutions Services a debt validation letter in hopes that they will furnish any documentation stating that the debt was mine. In response they sent me a letter basically stating " This debt is valid ''. There were no attached signatures stating I was in a contractual agreement with this company or the original creditor. I was not sent an itemized statement. I also asked if they could not furnish any signatures or contracts that it should be removed from the credit reporting agencies and they still are reporting negative information on my file. I would like them to provide this information or remove the negative information from my credit report.
05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43206	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
12/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
I'm a QMB [ Qualified Medicare Beneficiary ]. Under federal law, a Medicare provider can not collect my Medicare premiums, deductibles, coinsurance, or copayments. This is true whether it's Original Medicare or a Medicare Advantage plan. I'm in a low-income situation for Medicare. So there apparently is some confusion about how billing is supposed to work. I'm not supposed to be billed by providers under this program. So, I've consistently received bills and was confused as to why. So I reached out to Medicare and they pointed me here to get assistance. I have various dates and collection companies seeking to settle accounts that I shouldn't have been billed for.
08/23/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70454	Web
I attempted to make a payment in full on a credit card and requested a receipt, the company refused to provide a receipt only a confirmation number. When I told them that would not suffice as my HSA card requires a receipt I was told that they will not provide one. My only recourse is to call back in three day wait on hold again for several minutes to request another copy of the statement but again they would provide no receipt. I am unsure of laws regarding billing companies but I know a retail establishment must provide a receipt and have never had an issue such as this before. If I agree to make a payment I should be given proof of said payment being made.
06/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77089	Web
ARS Account Resolution Services has reported a collection account to my credit file in the amount of {$69.00} to my XXXX credit file. ARS Account Resolution Services has never sent me a notice of collection to notify me of any alleged debt. Therefore, attempting to collect and report this debt to the credit bureaus is a violation of the FDCPA. This debt is not valid thus ARS Account Resolution Services has no legal right to report this to my credit and attempt to collect a debt. I never authorized any debt in the amount that XXXX XXXX is reporting. By reporting a debt to my credit without validation ARS Account Resolution Services is in violation of the FCRA.
05/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	RI 02908	Web
ARS ACCOUNT RESOLUTIONS INC. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me the following 3 collections for the last few years. XXXX # XXXX for {$990.00} XXXX # XXXX for {$940.00} XXXX # XXXX for {$1500.00}. The collections have been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. I've been actively disputing these charges since last XXXXThese charges are currently on my XXXX and XXXX but not on XXXX I sent a hiippa dispute letter on XX/XX/2021. Its been 30 days, no response. I have sent in 30 day notice to comply to both bureaus today.
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	NJ XXXXX	Web
I am XXXX XXXX XXXX person, I have SSA and XXXX coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.
06/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web
I XXXX XXXX never enter any consumer credit transaction with ARS ACCOUNT RESOLUTION for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer 's right to privacy. By ARS ACCOUNT RESOLUTION obtaining my personal information without my consent they have committed fraud and identity thief and I have filed an FTC complaint and attached it below. ARS ACCOUNT RESOLUTION furnishing this allege debt to my consumer report they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can not do business with anybody else due to ARS ACCOUNT RESOLUTION reporting this allege debt to my consumer 's reports.
01/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85226	Web
I have informed the Credit Reporting Agencies on XX/XX/XXXX of the inaccuracies and have asked them to have the Collection companies remove them from my report. I explained how I had medical insurance at the time and the insurance company paid 90 % of the bills. However, they refused to pay these smaller bills claiming I had secondary insurance ( which was inaccurate ) Now, I still have not heard back from XXXX regarding my request. Plus, my other complaint is by filing a complaint/request with XXXX they have lowered my score by over 20 points. I do not understand ... XXXX XXXX XXXX XXXX ( Collections ) XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00}
10/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 327XX	Web
I attempted to get a home equity loan and the following information prevented that. XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. There are Five ( 5 ) accounts listed on their report, all medical bills. I advised that I did not use hospitals or doctors. I requested XXXX, under Section 609 ( a ) ( 1 ) ( A ), physical verification of the original signed certified contract between myself and the and the companies. I did not receive verification, only a letter stating that I know that it is me. Several of the accounts had the exact same amount for services. They continue to add new accounts without verifying that is me.
05/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
This company violated the law. As I stated I have kept close documentation and records of all communication and action taken on this account with the company. XXXX failed to report account as disputed within the le gal 30 day tim e frame. They have no sent validation of the account nor my signature showing contractual obligations binding me to this account within the legal allowe d 15 days to provide proof. The account also is incompletely reporting and not following XXXX XXXX compliance. I will be filing a lawsuit with the court closest to me against this company seeking up to {$1000.00} for each violation as well as attorney and court fees.
01/29/2019	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94619	Web
I have been called almost every day, sometimes multiple times a day by XXXX XXXX XXXX XXXX. They call me from at least 5 different numbers, and only sometimes leave a pre-recorded voicemail on my cell phone. I haven't received any kind on information from them regarding what the debt is, who its from, or any other kind of information. The consistent phone calls just one day started. I have just recently found out about writing a debt verification letter, and a cease and desist of communication, and will be sending out those letters asap. I have also just started not deleting my voicemails from this company as a proof of their harassment and persistence.
07/16/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 79936	Web
Ive been trying to fix my credit or get credit because i have no history. So when i get notifications about my credit i check them right away. On XX/XX/2020 i got a notification that an account has been updated on XXXX that my credit had dropped so i immediately checked and there was a high impact in collections. ACCOUNT RESOLUTION SERVI is the collection company and the account was open XX/XX/2020. I haven't been sick seen or been to a Er/physician in 2 yrs nor have i had health insurance since XXXX when i was on XXXX. I have never received a letter or phone call or anything having to do with this company till XX/XX/2020 when it appeared on my credit.
05/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77016	Web
There was an credit that was opened on XX/XX/2014 by XXXX XXXX XXXX. This account was created by XXXX XXXX XXXX XXXX XXXX XXXX. I was admitted into XXXX XXXX XXXX XXXX. Seen by XXXX XXXX physicians. When i was billed the hospital awarded me charity and I was only responsible for {$25.00}. I called hospital and they informed me i wouldn't and shouldn't receive any other bills because I wasn't liable. XXXX XXXX sent out a letter to me and the XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX. XXXX XXXX XXXX informed me they did not care and wouldn't remove the account they wanted money. The most unprofessional conversation I have ever had.
08/01/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80015	Web
MY NAME IS XXXX XXXX ( XXXX ) I HAVE BEEN PLACED IN COLLECTIONS WITH XXXX XXXX FOR A MEDICAL DEBT FOR MY DAUGHTER XXXX XXXX XXXX DATE OF BIRTH XX/XX/XXXX WHO WAS COVERED UNDER MEDICAID FOR DATE OF SERVICE XX/XX/XXXX. I HAVE SENT EVERY DOCUMENT AVAIL INCLUDING LETTER OF ELIGIBILITY SHOWING SHE WAS COVERED ON THIS DATE AND THEY WILL NOT REMOVE FROM COLLECTIONS OR DELETE FROM MY CREDIT WHICH IS OUT OF COMPLIANCE. I NEVER RECIEVED NOTIFICATION OF THE BILL OR BEING PLACED IN COLLECTIONS. I JUST WANT THIS REMOVED AND MY STATUS UPDATED WITH THE CREDIT COMPANIES AS I AM NOT LIABLE FOR THIS DEBT.ORIGIONAL DEBT IS WITH REGIOGAL MEDICAL LAB IN XXXX OKLAHOMA
10/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77459	Web
I have been disputing this account for some time now with Account Resolution Services. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. 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. I am sure there is a law that proves it.
10/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
I have been disputing this account for some time now with Account Resolution Services. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. 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. I am sure there is a law that proves it.
04/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33009	Web
I sent a debt validation letter requesting the complete accounting and evidence of the alleged debts to ARS Account Resolution Services on XX/XX/ 2021 for account numbers # XXXX and # XXXX ( letter is attached ). ARS did not provide a complete accounting and evidence of the debt ( letter is attached ). I demand they delete the accounts because they are reducing my credit score and are unable to validate the debt. They are causing me to pay higher interest rates for a debt they can not validate. If they do not remove these accounts, I will have to sue them under the Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act.
11/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MA 021XX	Web
I was contacted by Healthcare Revenue Recovery Group by mail, on XX/XX/2021 and identified the debt as a balance of {$65.00} from creditor FL XXXX XXXX XXXX XXXX XXXX. I sent a certified letter on XX/XX/2021 responding to their inquiry and challenging the validity of the debt as I had already paid it. This letter was never responded to, nor did the company attempt to contact me beyond the original debt collection letter. This was later erroneously reported as a debt to the credit agencies thus damaging my credit fraudulently for a debt that was never verified. I have attached the proof of delivery along with the certified letter that was sent.
03/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33313	Web
Several attempts made dispute XXXX XXXX with all 3 bureaus from the time frame of XX/XX/XXXX to present. All agencies responded that the account was verified. I then requested each agency provide physical proof of verification that was used to verify account as of date no documents have been received as of yet. I went a step further to request directly that XXXX validate the collection account reporting on file. This request was sent certified mailed confirmation shows it was received XX/XX/XXXX. However as of date XXXX has failed to validate debt, respond to my request and they continue to report inaccurate information that I have no knowledge of.
10/21/2020	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 33024	Web
I disputed the debt with ARS ACCOUNT RESOLUTION XXXX. They are still reporting it on my account. I have never received validation of the debt according to the Fair Debt Collection Practices Act. ARS ACCOUNT RESOLUTION is a debt collector. They are not a creditor and have never lent me any money. They are trying to extort me by reporting an account on my CREDIT report as if they are a creditor. They are not a creditor and have no license to provide credit to anyone. They are damaging my credit score and not permitting me to buy a home without having to buy my rate due to my low credit score. They need to delete the negative tradeline on my account.
03/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90049	Web
In XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) a debt collector for XXXX XXXX XXXX of Texas. I called their office to tell them that this debt was not mine and I have not stayed in Texas. I followed-up this telephone call with a letter dated XX/XX/XXXX. On XX/XX/XXXX I received another letter from XXXX requesting additional amounts due to their same client. On XX/XX/XXXX, I again sent a letter to them informing them that this was not my debt. On XX/XX/XXXX I received another letter from XXXX offering to settle the above debt within 10 days. They obviously have ignored my telephone call and letters.
08/01/2023	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 Investigation took more than 30 days	FL 33029	Web
This company ARS keeps reporting this medical bill which does not belong to me and they refuse to show proof that the debt belongs to me or was incurred by me. I have made multiple attempts at getting in contact with them and getting something from them in writing to no avail. They are hurting my credit report and score and keeping me from being able to grow my business because of this inaccurate account. I have sent them a letter requesting debt validation SEVERAL times with no response. Then I sent a failure to respond letter and still nothing. Please assist me in getting them to remove this account off of my credit report thank you very much.
12/26/2021	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	AZ 85017	Web
I recently checked my Credit Report on XXXX XXXX and I found an old debt has been re-inserted as new. I've reached out numerous times via US mail ( in XXXX & XXXX ) and I have sent letters informing them the debt is old and should be re-moved however they keep adding it. If you take a look at the screenshots I took you'll see 3 images. In report.jpg you will see it says " XXXX XXXX XXXX {$970.00} Opened XXXX '' If you check the other screenshots XXXX & XXXX you will see this {$970.00} debt was originally assigned XX/XX/XXXX The Arizona Statute of Limitations on Medical debt like this is 6 years. This should be ERASED from my report immediately
12/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33021	Web
Over the years, Ive been a victim of identity theft and/or fraudulent activity with the use of Debit cards, medical, and more. I have been disputing this item on my report from ARS resolutions. The debt is {$1800.00}. I am not aware of this debt which was supposed to take place in XXXX of XXXX. It showed up on my credit report XX/XX/XXXX. Ive been disputing this item and XXXX have not removed it. It it not accurate. I also filed a complaint with a Florida police department via online just to show proof that I did take the proper steps to get this resolved. I am currently fixing my credit and this is not helping. Please remove immediately. Thanks
05/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08618	Web
XXXX XXXX XXXX has 11 accounts totaling of {$8000.00} on my credit report for my soon from XXXX my son had nj family care Medicaid at that time and I cant even check with Medicaid to confirm the dates because I have not had custody of my son they cant even speak to me. My son has been in his fathers custody. This information is on my credit report I attempted to solve this issue with XXXX and they told me to work it out with the father so he can help me pay the debt the father has a restraining order on me and I can not work anything out with him. I am disputing this and will get a lawyer if this is not removed. I will be filling a police report
04/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07111	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. On XX/XX/ a cfpb complaint was submitted for validation of documents, on XX/XX/ the company responded but did not provide any documents that i asked for. This must be removed from my credit report because they couldn't validate. ( Chain of custody ) ( Purchase agreement ) ( Swear under penalty and perjury you were present during the alleged debt ) ( Master Bill of Sale )
11/12/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 44146	Web
Have previously attempted to have this company validate the date and remove collections from credit bureaus. Upon further investigation I have found the original creditor was negligent in their billing practices and this bill should have been covered under workers compensation. Because I am a patient with this hospital my insurance was billed without my authorization as this was a workers comp claim. The time to submit the claim under workers comp had passed and they attempted to bill me instead of correct the error. This collections agency could not validate the information as requested because I should have not been billed in the first place.
03/06/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	NJ 080XX	Web
ARS Account Resolution Services is in violation of the FDCPA Section 807, codified at 15 U.S.C. Section 1692e ( 14 ). ARS Account Resolution Services is a alternate name for Healtcare Revenue Recovery Group, LLC, and the FDCPA clearly states that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ... ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ''
02/01/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77014	Web
In XX/XX/XXXXI sent a debt validation letter to XXXX XXXX XXXX. I asked them for proof that They were bonded to collect debt in the state of Texas and validation of this account. They sent me a bill. They did not send validation of said account. I then contacted the Texas Secretary of State. They verified that XXXX XXXX XXXX is not bonded to collect debt in this state. Texas Section 392.101 prohibits third party debt collectors from engaging in debt collection unless they have obtained a surety bond and filed a copy with the Office of the Secretary of state. XXXX has has not done this. XXXX XXXX XXXX are in clear violation of Section 392.101
12/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32701	Web
ARS ACCOUNT RESOLUTION has two accounts open for medical bill ( office visit to urgent care ) The office visit was paid in cash but never noted in their system. There was an issue with an employee at that office & believe this was done in retaliation. My insurance paid the urgent care its cost but the urgent care still charge me a bill without my knowledge then sent it to collections without ever contacting me. The collection agency was originally -- XXXX XXXX XXXX XXXX then sold it to ARS ACCOUNT RESOLUTION -- - who have an account open without my knowledge of a debt that isn't a debt and was paid for already! i have proof from my insurance.
07/25/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33127	Web
i have sent account resolution services 2 validation letters disputing this debt. i have no knowledge of owing ars/ account resolution services or the creditor XXXX XXXX XXXX any outstanding bill for services or products. the collection company rerfuses to comply with HIPPA validation letter and respond with proper DOCUMENTS pertaining to this alleged debt i have no knowledge of. Im dispiting this alleged debt but the collection company account resolution services continues to violate the FCRA BY CONTINUING TO REPORT THIS ALLEGED DEBT TO THE 3 CREDIT REPORTING COMPANY AFTER I HAVE SENT MULTIPLE REQUESTS. MY LAST WRITTEN DISPUTE WAS ON X/X/17.
11/05/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	KS 668XX	Web	Servicemember
I began receiving notices about this alleged debt in late XX/XX/XXXX from two different debt collections agencies. After written correspondence with one collector, they dropped the debt as they were not able to explain to me any sort of verification that it was valid. Since then, I have sent certified letters on multiple dates throughout XX/XX/XXXX & XX/XX/XXXX to ARS trying to get the company to verify this debt as it is reporting on my credit files. The company has only responded with automated letters without providing me any information about the alleged debts. Thus far, as of XX/XX/XXXX, the company has stopped responding to my letters.
10/07/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK XXXXX	Web
I have contacted Account Resolution Services numerous times concerning an alleged debt that they have reported as mine that I do not believe I owe. My legal counsel has also contacted them to request verification and documentation of the debt. However, they have tried to stone wall everyone and refuse to provide any verification other than to simply say it is owed. They are required by law to verify and document any debt and they refuse. They will not provide the name and contact info for the original creditor. Their actions and conduct violate numerous state and federal laws relating to debt collection. They are also in violation of XXXX.
04/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32208	Web
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way. Also, there are multiple account numbers but with different balances, I don't recognize
10/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60409	Web
I requested validation not verification on account number XXXX. I have received a response that clearly violates my rights according to HIPPA. ARS Resolution Collection Agency. Didn't not provide me a HIPPA release that release my medical information to them. Therefore by providing such information they are in violation of my HIPAA rights. I urge you to take this extremely seriously i will seek every legal remedy available to me. And file suit against the the credit bureaus who's also responsible for reporting bad information which is a Violations. As i have documented my case without any errors I encourage a response from you expeditiously
11/09/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33009	Web
After numerous attempts to contact XXXX and XXXX of company reporting on both agencies, the said company " Account Resolution Service '' A.K.A " ARS '' listed on my credit consumer reports will be removed and then reappear weeks later. Cat and Mouse game. " ARS '' is now reporting as an original creditor, fraud! I have never signed a contract nor do I have acknowledgement of any service, product or repair with " ARS ''. I have informed XXXX and XXXX of this information, but still remains? Is it fraudulent of ARS to report as an original creditor when they are not? Also, why is n't ARS showing me a signature page that I have requested?
09/30/2018	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 319XX	Web
I had a workers comp visited ( XX/XX/XXXX ) that had to be approved by the adjuster before I could even go to therapy. XXXX never contacted me until I moved two years later. ( XX/XX/XXXX) I asked them to contact XXXX & to please stop calling me. They were interfering with my job. Well they kept calling and telling me this is my bill & they now call from multiple numbers, multiple times a day. They dont even leave voicemails anymore. I am tired. I cant answer my phone because I maybe told about a bill that isnt mines its very stressful. I have to block all the numbers they call from so my phone isnt ringing all day & my battery doesnt die.
05/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77536	Web
On XX/XX/2018 I wrote a Validation Letter to XXXX XXXX and sent the letter via email to XXXX, and XXXX requesting additional information about a medial debt. More specifically I requested which doctor, or facility I was seen at, and an original bill or detailed statement of procedure preformed. One day later, XXXX sent me a letter with the same information that I already had but XXXX still couldn't tell me where I was seen, or what medical service was preformed. I am currently writing XXXX an email that references XXXX Circuit Court of Appeals, XXXX v. XXXX, to give them an example of how the court gives the interpretation of verification.
01/31/2023	Yes	Debt collection Medical debt	False statements or representation Told you not to respond to a lawsuit they filed against you	FL 33065	Web
I reviewed my consumer reports and noticed that i had a debt added to my credit that doesnt belong to me in fact this debt has violated the CFPB LAWS 15 U.S CODE SECTION 1681 A ( 3 ) restrictions on sharing medical debt. 15 u.S CODE 1692 e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. These companies reporting his false debt are also discriminating against me and our hurting my chances to move foward in purchasing a property for me and my children. By law any debt that is not 100 % accurate should be removed and i have requested that on several diffrent occasions!
12/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19401	Web
XXXX XXXX XXXX XXXX has been reporting a debt on my credit since 2015. I have continuously tried to contact this company in regards to information they are providing on my credit report. I have sent out several letters within the past couple months and received no response. I have also had some mail come back undeliverable to their address which was obtained through the information they have provided on my credit report. I have continually asked for information regarding what this debt is and have received no verification, validation, nothing. By failing to provide this information this company is violating the Fair Credit Reporting Act.
10/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 320XX	Web
I checked my credit after being denied multiple times for a new auto loan. I noticed an account for ARS ACCOUNT RESOLUTION in the amount of {$96.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.
09/13/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 081XX	Web
HIPAA VIOLATION : Collection Agent : ARS ACCOUNT RESOLUTION Provider of Service : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX**** According to a recent copy of my credit report ARS ACCOUNT RESOLUTION has been reporting an alleged debt owed by me, which is causing severe damage to my credit report.under the HEALTH INSURANCE PORTABILITY and ACCOUNTABILITY ACT ( HIPAA ) I am allowed to protect my privacy and medical records from third parties.I do not recall giving my permission to XXXX XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party I am not asking for a verification or validation of this account.
05/11/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 334XX	Web
I have asked ARS Account Resolution to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 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 XXXX 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.
02/12/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33020	Web
On XX/XX/XXXX, XXXX ARS ACCOUNT RESOLUTI added a derogatory mark on my XXXX credit report per XXXX XXXX. Upon further research, Debtors creditor did NOT verify this collection. Also, there was NO written form of communication, contract or SIGNATURE for this accused debt at all. A billed without a signature does NOT validate the debt. According to the FCRA. ARS ACCOUNT RESOLUTION has violated my rights as a consumer and per the HIPAA/PHI law and I am requesting legal action to remove this account immediately from my report. I have also sent certified letters to this company and they have failed to validate a debt that is not mine.
03/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77379	Web
The aforementioned credit collection agency representing Account Resolution Services has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Account Resolution Services does not have any documentation, they need to retract this from my credit file immediately.
03/08/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web
On XX/XX/2018 I sent this company a letter stating that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I received nothing back from them and they removed this item from my credit report that was account number XXXX for {$1800.00}. Now they have placed this item back onto my credit report under account number XXXX. for {$1800.00}. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I am demanding they remove all of these accounts from my credit report from all three bureaus.
07/21/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 14220	Web
ARS - listing debts I do not owe - asked for validation - they did not provide - these were removed from my credit reports three years ago - Now they all popped up on my reports again - I 've sent them another request to validate - they did not do so. I sent this information to XXXX - they refuse to remove the non validated item for the second time.. - They removed it the first time - once ARS fails to validate and the credit reporting agencies - ( XXXX, XXXX, XXXX ) remove the notation, because ARS failed to validate and violated the law, then how in XXXX do they put it back on my credit report again?!? Can I sue them for this?
08/18/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34207	Web
I SENT DEBT VALIDATION LETTERS TO EACH OF THESE COLLECTION AGENCY, ACCOUNT RESOLUTION SERVICES, AND XXXX XXXX XXXX ON XX/XX/XXXX. THESE AGENCIES HAS FAILED TO VALIDATE MY DEBT. INSTEAD, THEY SENT A LIST OF MEDICAL RECORDS WHICH I KNOW IS A DIRECT VIOLATION OF HIPPA REGULATIONS. I NEVER SIGNED A HIPPA FORM AUTHORIZING THEM TO HAVE ACCESS TO THIS INFORMATION. PLEASE DELETE THIS INFORMATION FROM MY CREDIT FILE AND CEASE ALL COLLECTION ACTIVITIES IMMEDIATELY. ACCOUNT RESOLUTION SERVICES XXXX. ) XX/XX/XXXX {$140.00} XXXX. ) XX/XX/XXXX {$140.00} CHARGED TWICE XXXX. ) XX/XX/XXXX {$150.00} XXXX XXXX XXXX XXXX. ) XX/XX/XXXX {$650.00}
11/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77429	Web
I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. I do not recall any of these accounts. I need this problem fixed asap. I demand these accounts to be deleted immediately or I file litigation due to the stress you caused me. Section 611 ( a ) it is plainly stated a failure to investigate these items 30 days gives a reason to immediately remove those items from my credit report. I have a attached a cease and desist demanding them the items needed to validate till then those items have been brought about I will need this account to be deleted immediately.
11/02/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ACCOUNT RESOLUTION SERVICES does not have any documentation, they need to retract this from my credit file immediately.
02/24/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85212	Web	Servicemember
ARS ACCOUNT RESOLUTION, has attemtped to collect a eronous debt from XXXX XXXX XXXX XXXX for {$350.00} since XX/XX/XXXX. This amount in question was paid directly to the Doctor 's office in question in late XX/XX/XXXX prior to ARS ever taking the account. I have tried mulitple times to dispute the amount in question directly with the ARS as well as disputed the charges via XXXX and XXXX XXXX. ARS continues to show this debt/collection on my credit report negatively. They are showing and attempting to collect in error and refuse to remove this from my account. I have also advised ARS of a Cease and Desist back in XX/XX/XXXX.
07/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web	Servicemember
I contacted ARS twice in XX/XX/2021 and in XX/XX/2021 requesting validation of this debt. This debt is Outdated according to the Statute of Limitation in the state of Florida. ARS refuses to provide information that validates this debt that keeps getting RESOLD from company to company because the debt can not be validated. I have requested Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you It has been over 60 days and NO RESPONSE
03/24/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 076XX	Web
It is a medical collection from an XXXX office that was part of my XXXX XXXX. I had XXXX insurances at the time of the procedure in XXXX and they did not send ir they it late to my secondary insurance does they were not paid as per my previous insurance company. They put this collection without any written notification to me stating that I owe anything. I was just surprised that I am being harassed by this collection agency ARS account resolutions stating that I owe XXXX XXXX XXXX which has a lot of complaints same as mine. Please help me remove this collection from my report as I am not responsible for this. Thank you.
12/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43609	Web
ARS is in violation of FCRA, FDCPA as well as HIPPA laws! This company has not provided proof that I owe them any debt by way of contract. They also are in violation of the Gramm-leach-Bliley Act for sharing my information with anyone before getting my prior expressed permission or giving me the option to opt-out of third party sharing of any alleged debt/information. They are also furnishing this alleged debt ( account : XXXX ) inconsistently on all 3 credit bureaus which is a violation that can be remedied with an immediate deletion of the account and no reinsertion! This account is causing severe damage to my finances!
08/09/2022	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	DE 19720	Web
I contacted ARS consumer reporting agency to freeze my consumer report. I was told I needed to send my state issued ID and a utility bill to prove my identity. Im already a victim of identity theft. I explained I wanted to freeze my report. To no avail was I able to do it over the phone or online without sending other detailed info about myself. I asked to speak with a supervisor or manager and more than once I was told that without sending that info I wouldnt be able to speak with anyone. After giving my social security number date of birth and address and still couldnt get a security freeze placed on my consumer report.
07/24/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33023	Web
In reference to previous complaint number XXXX. The collection agency has responded the following : Our client, XXXX XXXX XXXX XXXX XXXX is a provider of XXXX XXXX XXXX XXXX at XXXX XXXX Hospital in XXXX, FL. The accounts in question are not for the hospital ( facility ), but rather the physician. The consumer can contact her insurance carrier, provide the dates of service in question ( this information has already been provided to the consumer, and is part of a previous response to this complaint ) and inquire as to the status of the emergency room physician claims that correspond to the facility charges on those dates.
04/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43081	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.
08/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33596	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.
01/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 177XX	Web
Collection company is attempting to collect a hospital bill which was already paid by the patients health insurance company. Collection company repeatedly, fraudulently, verifies that the debt is correct even after being notified by patients health insurance company as well as patient 's mother that debt was paid. EOB showing payment amount and in network participating provider documentation have been provided by health insurance and damaged individual. Collection company is currently causing significant monetary damages to consumer by way of reduction of credit score/denial of credit due to this fraudulently publishing.
11/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77471	Web
I mailed certified registered letters to ARS asking for a DEBT VALIDATION letter for all the accounts that show on my credit report with all three credit bureaus. ARS in turn sent me VERIFICATION letters that contain medical account numbers that are attached to medical/healthcare facilities and has my name attached to them as well. This is a direct violation of HIPPA regulations including but not limited to the 18 HIPPA Identifiers. I never signed a HIPPA form authorizing them ( ARS ) to have this information. I am attaching the letters I sent ARS and the responses they sent me in this complaint. Thank you XXXX XXXX
06/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 431XX	Web	Servicemember
On XX/XX/2022, I contacted ARS Account Resolution S, by mail with an affidavit for validation. I asked for validation of this debt and method of verification, because this is not my debt at all. I have a very common name, and my credit report is suffering because of this. I asked them to remove this from my report, and they have not. The amount owed is {$1200.00}. They sent me a letter back with a name amount owed and account number. They did not validate this was my debt or give their method of verification. Its been over 30 days, and I am requesting this is removed off of my credit report via section 611 of the FCRA.
07/28/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	WV 253XX	Web
I was contacted through text from ARS. They mentioned they would be willing to take XXXX % for my debt. I texted the number back because it did not mention the company name. I called the company to get more information, and they stated the name of the debt. I wanted to call them back so I could see how much I could afford to pay, and to see if I could check the status of the delinquent account. The representative repeatedly stated that if I hung out, then she would no longer be able to offer this. I then told her that was okay, and I would call them back after I checked on some things. She said thank you and hung up.
09/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33024	Web
I have received collections notifications from XXXX XXXX services on multiple occasions. I am not aware or do not owe any amount of debt. I have Florida State XXXX and all payments were completed by the state. I am an indigent patient and I have contacted the collections agency on numerous occasions by mail. I am still repeatedly harassed by agents. These issues still exist and I am still getting notified. XX/XX/XXXX {$1000.00} XX/XX/XXXX {$560.00}, {$770.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1800.00}, XXXX
07/02/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77073	Web
After checking my credit report I noticed that a debt from ARS was placed on my credit. I then proceeded to see if they were licensed in the State of Texas to collect on a debt. As I check the website with the name of the company and address on my report. I searched and it gave me no results. On XX/XX/XXXX I mailed a certified debt validation letter to ARS. I tracked the letter which was received on XX/XX/XXXX. In the letter I advised that they had 30 days to respond to the letter. I gave them a couple of days later to send me the info back. Today is XX/XX/XXXX and I still have n't received anything from the company.
02/08/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	NJ 07666	Web
I had an outstanding medical bill from hospital emergency technicians. They said they did not receive insurance info. I resubmitted info 2 times to the billing company. I receive a collections notice for the amount. I get scared and pay the outstanding balance. I was assured by the collectors that I would be able to get a reimbursement from my insurance companies. I call my insurance and they said a claim was never filed. I call back and give the information so they can call the insurance company. A week passes and i call back and now they have no information on my account and hang up the phone after taking my money.
12/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37830	Web
I have repeatedly disputed with the company INPT CONSLT OF FL, Their are charges found on my credit report that are fraudulent. The dispute states always comes back as " verified as accurate. I can prove during the time of these charges I didn't live in the state of Florida, and I can prove I was living and working in the state of tn. By court records of XXXX and irs verification of employment. I do not know who used my social to go to several hospitals in Florida but most of the other accounts have been taken off my credit report. this one is a XXXX $ collection that was opened on XXXX XXXX, 2018 ( 2 yrs, 2 mos ).
11/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33409	Web
On XX/XX/2020 and XX/XX/2020 XXXX add a derogatory mark on my credit report pre XXXX XXXX, XXXX and XXXX XXXX. Upon further research, this account was transferred and I am not responsible for the account. Debtor 's creditor did not verify this account. Also, there was no written from of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FAIR CREDIT REPORTING ACT ARS has violated my rights as a consumer and I am requesting legal action to remove this account immediately. Thank you
02/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33584	Web
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX fails to provide evidence and verification of debt they are attempting to collect. XXXX XXXX PIN XXXX Amount {$1700.00} for XXXX XXXX XXXX Account # XXXX Date of Service : XX/XX/XXXX Asked for evidence of debt ( copy of bill, doctor name, etc ) on XX/XX/XXXX and again on XX/XX/XXXX. They continue to report on all three credit bureaus that I am delinquent. Consumer 's Desired Resolution : Proof of Debt, copy of billing or invoice for service on XX/XX/XXXX, doctor 's name, patient name. I need evidence that this is legitimate debt.
02/19/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43147	Web
On XX/XX/2018, Account Resolution Service added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Account Resolution Service has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
07/16/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07621	Web
Collection Agency ARS ACCOUNT RESOLUTION with account # XXXX. Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$990.00} Amount {$990.00}. Collection Agency Removed only debt out my file but kept one of them which is affecting my credit score and not allowing me to get the best Mortgage Rates for My Home Refinance. the Clearly stated on the last Complaint that the Debt isn't mine and that it belong to a XXXX. that XXXX is my son and he is covered under his XXXX umbrella insurance Policy. up to this day the Debt Remains in my file and its affecting me
01/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77084	Web
The account reporting on my credit report has been illegally re-aged. I have never entered into any kind of agreement with this collection agency. They insist on furnishing information that is inaccurate, illegally reaged. They do not respond when contacted. they only verify the account as accurate with the credit bureaus. They are in violation of the XXXX XXXX Code as third party debt collector. I have confirmed they do not have a surety bond on file according to the secretary of state according to the address listed on my credit report. However, they continue to report this alleged debt on my credit report.
10/30/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MS 38654	Web
ARS ( Account Resolution Service ) continues to have listed and will not remove from the credit bureaus XXXX debts that I do not believe are mine. I have sent them multiple request to verify these debts and all they are sending me are their " form '' letters that say I owe a debt. I have repeatedly ask for a " signed document '' and they have not/will not provide any such documentation. If I had any such paperwork, it would help prove the validity of the charge. I do not believe it is mine and I also suspect that it may have been filed incorrectly under medicare/medicaid for another hospital related incident.
10/29/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NC 27610	Web
After hours pediatrics has refused to remove a debt that has been paid and satisfied by the insurance companies. My son was seen at an urgent care and at the time had 2 insurance companies. XXXX was primary and paid according to contract. The 2nd company was XXXX XXXX and paid to contract leaving no patient responsibility. According to the doctors office, XXXX paid incorrectly and are now billing me. The issue is a contractual issue and although Ive provided the eobs from the company verifying there isnt any patient responsibility this company has decided to do what they want to do. reference number XXXX
01/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43147	Web
On XX/XX/2020, ACCOUNT RESOLUTION XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, ACCOUNT RESOLUTION XXXXI has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
03/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77090	Web
I have sent several debt validation letters over four times and each time this company has failed to properly validate my debt. Instead, they sent a notice with the amount owed, hospital, and service date with my name which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. On the following dates I received a nonvalid response from this creditor failing to properly validate the debt : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
04/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43214	Web
On XX/XX/2023, XXXX XXXX XXXXXXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
07/26/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 334XX	Web
I have asked ARS Account Resolution 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 on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX 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.
05/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33606	Web
Collections ARS ACCOUNT RESOLUTI Opened 2019XXXX {$280.00} ARS ACCOUNT RESOLUTI Opened 2019XXXX {$530.00} I received a letter from ARS and correspondence by email that all of my debt from ARS would be removed from all 3 credit bureaus, these two accounts are still showing up with XXXX and XXXX... I have called these companies and they said that ARS has to be the one to give permission to delete these accounts..I am asking that ARS get in touch with these 2 companies and have the debt removed..this issue has been going on for months. Above shows the 2 accounts that are still showing on my credit reports.
01/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	ID 83634	Web
Reached out to ARS to ask for Validation and they continue to say they have. After reviewing the information and after constantly asking ARS for this information on XX/XX/XXXX after claiming they did on XX/XX/XXXX. Asked them to provide the original documentation and still to this day have not gotten a copy of that letter. Have asked them multiple times for even if they had the rights of owning or right to pursue in my state which is now Idaho and never answered. I went on the Idaho collection verification website and see that they are not even licensed in the state of Idaho to attempt to collect a debt
02/05/2019	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 337XX	Web
I have asked that this company not communicate with me yet they call me on my cell phone using pre-recorded messages and leave voicemails. I do not like this at all they've called me over 6 times. They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message. This is my second complaint and I haven't gotten a response.
07/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33023	Web
I have 2 medical collections on my credit report that are a result of identity theft. The name of the collection agency that the debts were sold to is Account Resolution Services ( ARS ) and this is the company that has been harassing me to pay a debt that is not mine. The dates they were opened and the amounts of these 2 collections are as followed : ( XXXX ) {$1300.00} and ( XXXX ) {$980.00}. Ive made several attempts disputing and informing ARS under the FCRA that this is not my debt and that they need to remove it immediately. These attempts date back to XX/XX/XXXX but yet nothing has been removed.
04/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web
I disputed the validity of the account from XXXX - XXXX XXXX XXXX on XX/XX/19 with the credit bureaus. They said that the debt was verified and did not remove it. On XX/XX/19 I sent a letter to XXXX directly requesting them to provide me with validation of the debt such as a contract with my signature and an account summary. On XX/XX/19 I received a letter from XXXX stating that the debt was " verified ''. I did not ask for verification I asked for validation. They did not send any of the validation documents to prove that I owe this debt. I want this account removed from my credit reports immediately.
03/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY XXXXX	Web	Servicemember
On XX/XX/XXXX I filed a complaint against Account from XXXX XXXX XXXX for placing what I believed was a fraudulent account on my credit reports for XXXX XXXX XXXX XXXX XXXX. I noted that my health insurance covers 100 % of my medical expenses. I tagged the account as account is fraud. XXXX XXXX XXXX REPLIED IDENTIFYING THE ACCOUNT HOLDER as XXXX AND CLAIMED IN THEIR RESPONSE THAT MY INSURANCE COMPANY DID NOT PAY THIS BILL. XXXX XXXX XXXX provided inaccurate and false information in their reply to my CFPB complaint. My insurance company DID IN FACT pay the {$36.00} on XX/XX/XXXX. SEE ATTACHED EOB.
04/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32707	Web	Servicemember
On XX/XX/2021 I sent certified letters to ARS ACCOUNT RESOLUTIONS requesting that they validate the debts that they have placed on my credit reports. They have violated several of my consumer rights. Failed to validate a debt at my request. They have continued to report a disputed debt .I requested that they follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature what they sent me does not validate per my request account # XXXX
02/08/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 450XX	Web
Every week day for the past 2 week these people have been calling me every morning telling me they're collecting a debt for HRRG, but they call from a different phone number EVERYTIME and tell me to call this toll free number to get back to them. They won't tell me who the debt is for, they just state they need my credit info so they can take out what's owed but even then they won't tell me how much so I've stopped communicating with them. I reached out to everyone who I could possibly think of that might have submitted this debt and was told everything was fine. I just want these phone calls to stop.
06/28/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AL 35613	Web
I have asked ARS to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect 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.
08/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33126	Web
On XX/XX/2017, ARS ACCOUNT RESOLUTION added a Derogatory Mark on my credit report per XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, ARS ACCOUNT RESOLUTION has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.
11/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33160	Web	Older American
I am the victim of people of bad faith. I never received anything from them, neither invoices, nor reminder since the address they were using was false. when i finally received a letter from their service through my postman i immediately contacted them, paid and received payment confirmation on XX/XX/XXXX at the correct address. How could I pay an invoice that I do not receive. and this is valid for the whole ARS file. ( 6 ) It seems to me that my dispute is perfectly founded and I request the total erasure of these inscriptions. I am considering hiring a lawyer but I am awaiting your decisions.
02/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53142	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX is currently reporting two collection account to my credit bureau. After contacting XXXX, I was told that the debt does not belong to me but, rather my XXXX sister. Being XXXX, we do share the same birthdate. According to the rep from XXXX, the error will not be corrected until my sister pays the debt. I have disputed the debt with all three bureaus but XXXX will not correct my credit bureau report and remove collection accounts. XXXX has also stated that they can not send me supporting information since the account is not mine.
01/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77073	Web
On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX XXXX about a medical bill that was disputed back on XX/XX/XXXX that the validation of the debit wasnt mines. The company was unsuccessful at validating this debt they didnt have a contract or my signature they couldnt prove anything and the debt was removed. I receive a letter in the mail on XX/XX/XXXX and I wrote the letter telling them the debt doesnt belong to me and they sent a letter back stating a account number and balance no contract no nothing so now today they added this debt to my credit report without proving once again this debt is mines
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 336XX	Web
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. XX/XX/XXXX XXXX XXXX XXXX This account was in XXXX. It was closed out and reopened. 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 XXXX XXXX XXXX XXXX ( Keeps opening and closing the account as well as the dates continue to change, I have disputed this account multiple times. Spoke with XXXX XXXX, XXXX and XXXX. It is still on my account. )
01/03/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33060	Web
HRRG contacted me on my cell phone and left recorded message saying they were a debt collector and I needed to call them back at XXXX XXXX. I called back from my house phone and girl ask for my cell phone # to look up what the debt was. I gave it to her and she stated that there was no info on me. She ask for my social security # .... I said absolutely not. This ended the phone call. They had no reason to call or ask for my SSN. I do not have any outstanding bills. This struck me as a fishing for personal info call. The # that called my cell phone XXXX and ask me to call back on XXXX. Thank you.
01/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 480XX	Web
To whom it may concern, I XXXX XXXX, the natural living man recieved correspondence from HRRG XX/XX/23 via U.S. mail regarding an unknown alleged debt. I have never done business with HRRG, I HAVE NOT SIGNED ANY CONTRACT WITH HRRG. I have never given consent for HRRG to house, store, nor share my personal/private information. I dispute the validity of this alleged debt, I demand validation for the alleged debt pursuant FDCPA FCRA guidelines. I have never authorized HRRG to access my private/personal information and do not know what this company is regarding to any alleged debt said to be owed.
05/09/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ XXXXX	Web
XXXX has a collection account on my XXXX credit report that was paid back on XX/XX/2016, I went to dispute this item to remove it from my credit report it came back not paid so I went to dispute this with them asking for them to prove that they own the debt to send me purchase agreement with a bill of sale or signed agreement with the original creditor then I ask for them to send me prove that I owe the debt like signed document they failed to comply to my request. I send them two certified letters and refuse to take it off my credit report. and they changed the account on credit report too.
08/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44012	Web
I have 2 invalid accounts from XXXX XXXX XXXX on my XXXX credit report. One is for {$200.00} and one is for {$50.00}. I have done proper disputes on these accounts with XXXX beginning XX/XX/2018. I also filed a request for debt validation from XXXX XXXX XXXX on XX/XX/2018. XXXX has not verified these accounts or identified the original healthcare provider, and continue to verify these false unknown medical accounts to XXXX, the only credit reporting agency reporting this information. Verifying information to credit reporting agencies without proper validation is a violation of consumer laws.
02/10/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32832	Web
I owe medical debt due to a XXXX XXXX and XXXX will not stop calling me even after I explained I would set up a payment plan when I could but untill then please stop calling. I lost my job during covid and have frequent panic attacks often having to be hospitalized. They have called up to XXXX times in XXXX day from different numbers and then hang up on me. This is causing so much XXXX I don't know how to get them to stop calling and give me some time to get a job. I have job interviews set up and will catch up on this medical debt but the completely XXXX you and then hang up on you.
06/28/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73107	Web
I requested the validation of debt with ARS. I recently received a letter back stating that they contacted their client and they verified the debt. And at the middle part of the letter, they listed out the debt, provider, amount of the bill and the date ( which clearly shows that the debt is out of the statute of limitations to collect. The does state that they will continue to report as delinquent on my credit report. The funny thing about this debt, Is I don't know any more about this debt and this collection company re-age it, so it looks like a brand new collection on my credit report!
12/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 454XX	Web
I contacted XXXX XXXX XXXX on multiple ocassions. I have repeatedly told them this is not a personal debt it is a debt covered by Workers compensation because it was a result of an injury from work. Ive provided them with the correct information for them to bill Workers Compensation but they are refusing to bill. Ive called the office where the services were rendered to me and they said in their system workers compensation did cover that bill. I dont know why they keep putting it on my credit ... its starting to upset me the bill has been paid and Im tired of seeing them put it on my credit
04/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33837	Web
I pulled my credit in the beginning of XX/XX/XXXX. I noticed a debt of {$1000.00}. ARS resolution trying to collect. On XX/XX/XXXX, I sent a letter to ARS account Resolution asking them to validate this debt by providing contract bearing my personal signature as well as procedures of service provided. On XX/XX/XXXX ARS resolution sent a letter that state the debt owe with no validation. On XX/XX/XXXX, I sent another letter : Failure to validate the debt- I receive a copy of the same previous letter. ARS resolution failed to validate the debt. I am asking for Validation, not Verification
05/15/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 080XX	Web
Your options do not include the problem in this issue. This XXXX procedure was in mid XX/XX/XXXX. It became past due no later than XX/XX/XXXX. It was submitted to Account Resolution Services in XX/XX/XXXX. Federal law requires that this item can not remain on my credit files after XXXX years from the first delinquency prior to Charge off. That means the date of obsolescence on this debt would have been XX/XX/XXXX. I disputed this with XXXX, XXXX and XXXX XXXX accordingly. This means they sent this to the Account Resolution Services and they returned the dispute leaving it on my files.
08/18/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34953	Web
After several exhausting attempts to resolve this matter, ARS account resolution is reporting debts that I do not owe. This matter is affecting me emotionally and financially. ARS account resolution has failed to validate this debt directly to me, and only verify it with the credit bureau whenever disputed. ARS account resolution have no signed agreements between me and the stated party that they claim to represent which would make me responsible for this alleged debt. This is my last attempt to resolve this matter, otherwise they leave me no choice but to seek litigation. Final attempt.
05/31/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32746	Web
I have no knowledge of original debt now hav I been contact by original office saying I owed any amount, all my medical should be covered by my insurance, so I have no idea how I should even owe this, ARS Showed up on my credit report with no attempt to contact me saying I owe this money, I believe my medical information was sold with out my permission and ARS is attempting to collect money fraudulently, which seems to be a common complaint about this company, I have never sign any contracts with ARS saying I would pay them any money, and as per HIPPA my rights have been violated by ars
07/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85335	Web	Servicemember
A collection agency called me told me i owed this debt didn't tell me any information except that it was a hospital bill. Got scared and started paying. Learned that they were supposed to send me a letter if i asked and tell me i could dispute, which they never did. Asked the man for a letter. He yelled at me saying if i wanted more information I could ask the hospital. Continued to call frequently. I called and got a supervisor told them what happened. Now i get automated calls at XXXX XXXX every weekday. Constantly from different numbers so i can't block them. The company name is XXXX
09/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 080XX	Web	Servicemember
Account Resolution Services ( ARS ), used communication tactics in the beginning by blocking my number, blocking me from online access to a debt that I tried to research, when asked of them to verify my debt. Also they tried to get me to identify myself over the phone without giving me the opportunity of verifying their company. I wrote them a DEBT VALIDATION LETTER, and they did not validate my debt through the original debtor and mailing me that information so they violated Section 809 Validation of Debts [ 15 USC 1692g ] Chain letter by dates are attached with mailed signed receipts.
08/05/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32244	Web
I already talked to XXXX emergency services regarding rhis matter. They are trying to collect my medical bills through my old insurance i use 5 years ago. I told them i already have a new insurance and gave my insuramce information and they told me they will fix it. But i checked my current if they claim it but they have not fix it. Then i recieved a letter from a debt collector. So it is between XXXX and my insurance. Coz they promise they will call my current insurance but they didnt! And fyi its hard to get a hold of them. And fyi i have my conversation with them. I screenshot it!
05/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 741XX	Web
I have sent numerous debt validation notices to XXXX XXXX XXXX they say I owe XXXX, I never received a response back from the creditor. As per the ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
04/29/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29720	Web
I'm XXXX XXXX, natural person received a collection letter dated XX/XX/2022 from Healthcare Revenue Recovery Group stating I owe a debt of {$180.00} and {$85.00}. I do not know who Healthcare Revenue Recovery Group is or how they got my private information. They violated my privacy rights and did not have my prior consent to contact me about a debt pursuant to 15 usc 1692c ( a ). They are violating my consumer rights pursuant to Fair Debt Collection Practices Act 15 usc 1692. I disputed this letter on XX/XX/2022. They caused me to be stressed out. I haven't heard anything from them.
07/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32211	Web	Servicemember
On XX/XX/2021, I received a SETTLEMENT OFFER from ARS ( HRRG, LLC ) that included the option to settle a balance of {$1800.00} for a one-time payment of {$910.00}. I was not interested in paying it because I did not believe the debt was mine. IF it was a medical debt, Id always had insurance ; therefore, my insurance company shouldve been billed. Please provide the name and address of the original creditor. Also, this debt was reported to the credit bureaus and negatively affected my credit/credit score. Provide verification of this debt because I wholeheartedly dispute its validity.
05/18/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48146	Web
I received a surprise bill from a hospital from last year. I have health insurance thru the state of Michigan and behavioral health benefits thru the state. I was in the hospital and then received a huge bill out of no -where. They did not inform me while i was there that the provider was out of network or not covered. This constitutes " surprise billing ' and is illegal in Michigan. They have to notify you if its not covered. Now they are sending it to a collection company called HRRG.I have submitted the bill and a complaint to the Michigan department of health and human services.
02/04/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 32824	Web
This is FRAUD! The ACCOUNT RESOLUTION SERVICES has attempted to collect various DIFFERENT AMOUNTS and has opened new report ( s ). I will be taking legal action against any and all in concert with these company ( ies ) in this report. Furthermore, I have notified all Reporting Agency ( ies ) that the name is XXXX XXXX XXXX! Any other name other than XXXX XXXX XXXX is FRAUD! XXXX XXXX, XXXX XXXX XXXX and various addresses that have been attached to the reports are INCORRECT. I am entitled to exercise my rights and i waive no rights! All reports must be removed! Contact XXXX
03/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32209	Web
XXXX XXXX XXXX and XXXX I have reached out to the company and debt collector and I have also made a dispute. XX/XX/XXXX I have reached out to the company and to the debt collector and I have also made a dispute. XX/XX/XXXX XXXX and XXXX I have reached out to the company and the debt collector and I have also made a dispute. XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and the debt collector and I have also made a dispute. XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and to the debt collector I have also made a dispute
06/23/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08104	Web
I have recently received a copy of my credit report ( copy attached ) and noticed an item being reported by ARS ACCOUNT RESOLUTION ... .... {$57.00} After reviewing, I sent notice ( copy attached ) requesting proof of me authorizing release of my medical records to them under HEALTH INSURANCE PORTABILITY ACT. I have not gotten any response from ARS ACCOUNT RESOLUTION and my most recent credit report shows that they continue to report this item in clear violation of HIPAA. I am allowed to protect my medical records from third parties and I do not recall giving my permission to them.
08/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48092	Web	Servicemember
HRRG has sent me multiple fraudulent medical invoices to collect a debt that is not valid. HRRG fraudulently backdated the letter sent to me ( dated XX/XX/2021 ), on the letter it stated I have 30 days to respond in which I still responded within the time frame even though I received the letter on XX/XX/2021. HRRG ( Healthcare Revenue Recovery Group ) has violated 12 FDCPA consumer laws within their letter to me attempting to collect an alleged debt. The alleged debt amount is {$1300.00}, which is not mine. I have attached the documents below that I sent in correspondence to HRRG.
03/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19115	Web
In XXXX, I started an account with XXXX in order to begin my credit repair journey, they dispute collection accounts on your behalf.They sent my initial dispute on the validity of this alleged debt to XXXX XXXX XXXX I received a letter ( attached ) from XXXX XXXX XXXX on XX/XX/XXXX, with no proper validation listed. I then sent my second written request for validation via USPS Certified Mail ( # XXXX ) on XX/XX/XXXX. Delivery confirmation was sent to me on XX/XX/XXXX. I have yet to receive any further correspondence with XXXX and it has now been more than the necessary 30 days.
11/03/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77018	Web
I submitted my initial complaint to CFPB ( XXXX ) due to Account Resolution Services violating the Fair Credit Reporting Act and not providing me with validation of a medical debt that of which I have no knowledge. ARS responded XX/XX/2022 stating they sent debt verification in the past, which is not the case ; and then acknowledged that they should have sent something more substantial. ARS indicated that they would be providing the verification of debt as required under FCRA. It has been well over 30 days and ARS has not complied and no verification of debt has been provided.
09/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32208	Web
On XX/XX/22 a account in the amount of {$950.00} appeared in my credit report from a company called Account Resolution Services. I have never heard of or been contacted ( neither by phone or mail ) from this company. I called the company to inquire about the debt however the information that they provide was general and not enough to determine that this was my debt. Also I did not have any previous communication with this company prior to them putting the account on my credit report therefore I had no time to request a verification of debt prior to it hurting my credit score.
04/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
ARS ACCOUNT RESOLUTION # XXXX is violating my consumer rights by reporting negatively on my credit report. ARS ACCOUNT RESOLUTION # XXXX This is a direct violation of my consumer rights!! They are debt collectors not licensed in the state of Florida to collect debt, I've asked accounts to be removed by both EXXXX and ARS ACCOUNT RESOLUTION both have failed to removed the erroneous accounts from my report. This is my last and final warning before legal action is taken and LAWSUIT will be filed for violating my rights. I'll also be reporting them to the FDCPA as well.
10/24/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32751	Web
I have been receiving repeated phone calls from Account Resolution Services. I received 12 calls on XX/XX/2019, 29 calls on XX/XX/2019, 12 calls on XX/XX/2019 and 9 calls on XX/XX/2019 and that is in the month of XX/XX/XXXX. I called XXXX at XXXX XXXX and asked to speak with a supervisor and was xfered to a voicemail. I called back at XXXX XXXX spoke to XXXX at ext XXXX who explained to me that they only called once and I asked about speaking with a supervisor then she begin to go through her script of debt collection. I understand there are laws regarding this. Please help
03/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33334	Web
The last thing I did with anything on my credit was file my income tax I got an email about 20 mins ago saying my credit report went down I look at where I owe this money and its tell me this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX with this name company account resolution service I have know clue of me owing this money and the last job I worked for was XXXX XXXX XXXX doing deliveries and a juice bar called XXXX XXXX XXXX so I dont know where this money saying that I owe coming from I paid all my debt before I even applied for a credit card check my records
08/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 120XX	Web
I received a letter stating it was a follow up letter from ARS ( never received first letter ) that I had 15 days to validate this debt before they started reporting to the credit bureaus. So I immediately sent them a debt valadition letter certified mail stating they needed to verify this because the original bill was already paid. I never received any other bill from XXXX XXXX XXXX. They received it on XXXX XXXX 2017 and failed to validate this alleged debt that was owed before reporting to the credit bureaus. Which is against the Fair Debt Collection Practices Act FDCPA.
11/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OR 97211	Web	Older American
XXXX immediately after I answered an ARS Resolutions call re : a medical collection that I have no idea what company the supposed bill/company says I owe ARS PUT THIS CHARGE OF {$320.00} on my credit reports! I have never received one piece of paper re : this bill! They have neglected to send one! I need this off my REPORTS ASAP as I am applying for housing! I had a XXXX credit score & this brought it down to XXXX! I have been on XXXX FOR YEARS so this is a fraudulent charge! I also read that any day the government is deleting all medical debt under {$500.00}. Please help!
05/12/2020	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32812	Web	Servicemember
Continue calls under unknown caller. Say they are from HRRG? Tried to call but they were unable to verify my information leading to my concern if they were legitimate. Attempted to go to the website but this required a PIN which has yet to be disclosed to me? No letter or email has been sent. They have called almost daily about this in the last 2 weeks and left voicemails without other ways of contacting them except calling back a number. I do not feel this is safe and I do not know what this is in regards to which is my right. I appreciate any advise regarding the above.
12/18/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	KY XXXXX	Web
Continuously calling me, telling me that my full payments are due the day of the call, telling me that I need to pay them now, I have repeatedly told them that if they just send me the bill I can make payments, continue to tell me it 's due right now, I tell them that I do n't have the money today until I get my paycheck, then they continued to ask me when I get my paycheck, telling me that when I do get it I need to call in on the phone and pay because they do not send paper statements, which is false because I have a bill from them that I just got in the mail yesterday.
07/14/2022	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	FL 32233	Web
XXXX attempted to contact ARS . Asked me to provide DOB and I said I would not until I confirmed the debt and validity of the company that has been harassing me. I asked these questions to confirm validity of ARS : Their name Company name Address Call-back phone number Website URL State license number, if available as not all states license collectors XXXX gave her name but then said she did not know why I was asking here these questions and hung up on me. Called back again same date. Said I would not share my DOB until I had my questions answered. XXXX hung up on me.
08/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 120XX	Web
I received a letter stating it was a follow up letter from XXXX ( never received first letter ) that I had 15 days to validate this debt before they started reporting to the credit bureaus. So I immediately sent them a debt valadition letter certified mail stating they needed to verify this because the original bill was already paid. I never received any other bill from XXXX XXXX XXXX. They received it on XX/XX/XXXX and failed to validate this alleged debt that was owed before reporting to the credit bureaus. Which is against the Fair Debt Collection Practices Act FDCPA.
06/02/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33610	Web
I am contacting you to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that these accounts and information listed below are not reported on my consumer report. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I urgently request that you remove these accounts and information from my consumer report without delay, as they are in direct violation of multiple laws. I expect immediate action to rectify this situation.
09/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33027	Web
In reference to dispute number XXXX This company has stated that it has verified the debt that they claim I owe. I am requesting the CFPB to hold this company liable of identity theft if they are not able to produce the following. 1. A sworn statement by me giving permission for this company to report this alleged debt. 2. A copy of my wet signature showing that I agree. 3. Any letter showing that I have given this company permissible purpose to report this. If this company can't produce this then they have stolen my identity to create a false debt without consent.
09/02/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08002	Web
At the end of XXXX, the place where I'll been worked, close theirs doors after bankruptcy. I'll been looking desperate for a job with any sauced.I explained to the hospital my situation, they never told me that the hospital have a program for low or none people income qualification to pay off or portion of deb.Not to long ago I heard from someone else. It's sad that some people don't do their job in a proper way. XX/XX/XXXX, deb {$430.00}. XX/XX/XXXX, deb {$840.00}. I ask for Deletes To old Institution don't give me any help or orientation to help me with this debs.
04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77388	Web
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX and XXXX XXXX have violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an 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 and purpose. I need these accounts removed from my credit report immediately and an updated copy of my credit report sent to my current address.
06/09/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33604	Web
I have contacted this company via certified mail on XXXX 1 7sending a HIPAA letter requesting VALIDATION of this debt. The company, in turn, responded with a VERIFICATION letter which does not validate this debt. I have not signed any documents with this company allowing them to have my medical information, nor have I entered any contract as to why this debt would be owed to them. I have no knowledge of this company and am in need of validation of the information. I will send out another HIPAA letter requesting VALIDATION of debt and f ile a complaint with the BBB.
09/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 79938	Web	Servicemember
On XX/XX/XXXX I was billed {$210.00} by the XXXX XXXX XXXX, and later that month, they tried to bill me again. I went to the XXXX XXXX and showed them the bank statement, and they told me it should be taken care of. A month later, I started receiving letters from this collection agency saying that I owed them a ridiculous amount of money for that debt. I called them and told them the bill was paid in full at the clinic, but they continued to harass me with letters. Now they have impacted my credit report with this action and I have tried everything to fix this issue.
08/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33181	Web
ARS Account Resolution is reporting an account on my credit report. I sent them a letter letting them know that I do not have past present or future business with them. I also asked them to sent me the agreement or contract if they feel otherwise. To this day they still have not provided those documents. It is very disheartening that ARS Account Resolution would not only ignore what i asked for but continue to report this account on my consumer report after being notified of my disagreement. I have a right to proof of this alleged debt they are attempting to collect.
12/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19446	Web
On XX/XX/2019, I sent a letter to ARS after they bought one of my medical collections, asking for validation of the debt they say I owe. According to the FCRA, which they must follow as collectors, they were to provide me with a list of information that was included in my initial letter. Instead, of responding correctly, they BROKE THE LAW and only sent me the creditor, account number, and the amount I supposedly owe. I am outraged that this company is not being upheld to the laws written out in the FCRA. I have attached my original letter and their response below.
06/13/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 080XX	Web
To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), 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-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
01/20/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32225	Web
Im not sure if I chose the correct option for this matter, but I received a collection notice in the mail from ARS ACCOUNT RESOLUTION on XX/XX/21 in regards to an alleged debt. I sent a validation letter certified during the dunning period on XX/XX/21 that shows delivered as of XX/XX/21 at XXXX XXXX. However, I recently reviewed my credit report and noticed that ARS reported this account without sending the requested information to validate this alleged debt. This collection agency failed to acknowledge my request for validation, and completely ignored my request.
06/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32828	Web
As far back as XX/XX/XXXX I requested debt validation from ARS in which I did not receive a response. On XX/XX/XXXX I sent them a letter notifying them that the account has not been removed which is a violation they should have deleted the account, investigate the account, and provide me validation of the debt. I received no correspondence from the company. I then took a closer look at my credit report and it also appears that they re-aged the alleged debt because the date of last activity reports XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ).
11/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33407	Web
I sent out a 609 letter to XXXX XXXX XXXX to validate the alleged debt i owe XX/XX/2018 via USPS certified mail they received it on XX/XX/2018 at XXXX they responded back in between XX/XX/2018 to XX/XX/2018 with alleged validated debt information back dated to XX/XX/2018. the information is incorrect and not valid debt due to is not showing sufficient enough information to prove the debt indeed belongs to me. it just shows a bill from the original medical provider that i never rendered services from. please help me correct this and hopes of getting this settled.
04/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77845	Web
ARS Account Resolution Service account # XXXX Creditor XXXX XXXX XXXX XXXX XXXX PA Amount {$1500.00} date XX/XX/17 I sent a certified letter asking to validate my debt because I have the right to have it validated. They failed to do so by sending me a letter in response with what I owe and has my name on it. That is it. I'm asking to have this debt removed from all credit bureaus that this debt is reporting to. They failed to validate my right as, Fair Debt Collection Practices Act, section 809-Validation of debts [ 15 USU 1692g ]. Thank you. XXXX XXXX XXXX
07/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CA 94123	Web
My health insurance did not pay the claim originally because of the way it was submitted. I contacted the insurance co. And they resubmitted it and paid the claim in XXXX XXXX. I contacted the collection agency recently to ask them to contact the credit bureaus to say the collection was an error. They told me their client sent them an email in XXXX XXXX saying to continue to try to collect. I spoke with a representative on XXXX/XXXX/XXXX and they told me to fax the paid claim statement which I did. I just looked the account up online and it says I owe {$20.00}
05/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77060	Web
This agency is reporting an error on my credit file. I had medical coverage and met my deductible. This medical bill was paid by my insurance. I disputed this erroneous account with them on XXXX XXXX, 2015 and never received a response. I attempted to contact them again in XX/XX/XXXX and, again, received no response. After doing some research I discovered that ARS is not bonded to collect in the state of Texas. The account was actually deleted from XXXX but when I viewed my credit report recently and it has been reported on there again. Is that is even legal?
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30016	Web
In accordance with fair credit reporting act convergent account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX violated my rights. 15 USC1681 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 purpose.
04/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33444	Web
I have tried to contact ARS Account Resolution Services several times. They refuse to correct there errors. They are consistently reporting an accurate information on my credit report. Every letter that I have sent to them, The company refuse to even take the time to response to what in the letter. instead they send the same documents to me over and over. I am tried to call and talk to them but ARS still reporting an accurate information on my credit report, which is costing me thousand of dollars. They are claiming that I owe {$930.00} that I do not owe.
07/20/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77373	Web
I have tried to contact this company at the address provided to get information regarding this debt. This company has not provided me with a proper mailing address. And this company is not license to collect in the state of Texas. I 've checked with the Secretary of State of Texas and they have no company with this name as a legit company here. So I ask that with the information I am providing that you demand this company to remove their derogatory and false debt from all of my credit reports. XXXX, XXXX XXXX, and XXXX immediately. this company is a fake.
09/30/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33167	Web
I have sent several letter to Account Resolution Services ARS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fl. All 3 letters were sent VIA US postal services Certified Mail and receipt were returned. I have asked that they proved a letter of validation however they keep sending me bills. 1st letter sent XX/XX/2019 next letter XX/XX/19 and last letter sent XX/XX/19 I have attached one letter of what I have sent. And ever time I send a letter they update it on my credit report with new amounts that decreased my over credit score with all three bureaus.
03/10/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33027	Web
I have been disputing this information since XX/XX/XXXX I sent a dispute out on XX/XX/XXXX which included a affidavit that has yet to be responded to. By law as a natural living human I have not waived any of my rights I am stating that my rights are reserved under UCC 1-308. I have proof that the affidavit was sent from my recent dispute number ( XXXX ) ( XXXX ) ( XXXX ) I will also be providing the police report that I have sent multiple times with this document as well this is the final step I am taking before seeking litigation against XXXX and ARS.
03/13/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 180XX	Web
I was not informed that I can dispute anything, I tried multiple times to settle this with no response from the collection company. I was never informed I can dispute this debt, nor was I informed that this debt was being sold. So, I never gave my permission to sell my debt. At this point I would like this to be removed from my credit. I have no credit and want to build, that is why I have been trying to reach out to settle this, with this on my credit, my credit is growing slower. If this can be resolved, it would be amazing for me right now. Thank you
03/16/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07203	Web
I have no idea who this company is, and why they are trying to get {$1100.00} from me, when I try to communicate with them, I am put on hold for over hours, or call is disconnected, or even I am told someone will get back to me. I have been on XXXX since XX/XX/2010, the kind that all of my medical debts are paid, I have told them either they have the wrong person, or someone used my name. they refuse to give me any information, and they keep putting this on my credit report every few months, which gives a negative reaction to my score. This has to stop.
04/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	ND 582XX	Web
The debt in question is a debt I have no prior knowledge of. I have initiated multiple disputes with this debt collection agency. The debt collection agency continues to neglect to send me any form of verification or legitimacy of this debt. I am completely unaware of the original creditor, the debt collection agency, or any account where I owe stated amount. This agency has reported this debt to all major credit reporting bureaus without my acknowledgment of said debt and/or without verifying the debt belongs to me. I do not believe this debt is mine.
01/10/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33611	Web
I have been paying a medical bill and I just made the last payment, yet a company is calling me telling me I owe a medical debt. I told them I just made the last payment so I don't owe anything. They said " well we have a debt in your name and you need to pay it ''. I said I want you to send me an itemized list of the debt that you say that I owe. They said " we can certainly do that and send you an itemized list ''. It has now been 10 days, I still have not received any letter or itemized list. And now they are calling me again saying I owe this debt.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77021	Web
Credit collection agency reporting medical bill due. I did not have a XXXX XXXX XXXX XXXX bill this year. They show I had a charge in XX/XX/2023. I have medical insurance anytime I go to hospital. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.
04/10/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 12603	Web
Contacted XXXX collection and requested copy of bill from XXXX XXXX XXXX. Numerous requests and never received bill or anything regarding date of service or services performed. Contacted XXXX XXXX XXXX and was told they XXXX had sold the account on XXXX XXXX 2017, and as far as they are concerned, this account is closed and XXXX now owns the debt. I have insurance that could possibly pay this bill, but without any proof of services performed, by what XXXX, nothing can be done. All credit agencies have removed this account with the exception of XXXX.
09/27/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 70810	Web
Upon reviewing my credit report i noticed TWO DUPLICATE accounts that is listed under MEDICAL. Under hippa my medical information is protected. This same account is being sold time after time. I feel violated in the worse way possible. Where 's the medical release form? Why does a third party collection agency have my information? XXXX XXXX XXXX needs to IMMEDIATELY furnish me with a medical release form or remove these accounts. I take my privacy and my rights serious. I will also be filing a lawsuit against the original creditor that sold this debt.
11/12/2021	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 34759	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on ARS ACCOUNT RESOLUTION XXXX Balance {$300.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
07/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 723XX	Web
I recently review a copy of my credit report and I realize that as a consumer Account Resolution Services is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. I have attached my ID to help identify me and my FTC report.
11/02/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33916	Web
I have reach out to ARS Account Resolutions / XXXX XXXX XXXX XX/XX/2020 and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement XX/XX/2020. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of these accounts. There also reporting two separate account numbers for the same accounts My credit score has been affected. I am asking for this item to be removed from my credit report.
10/04/2022	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	FL 331XX	Web
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
12/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 711XX	Web	Servicemember
I have several delinquent accounts being reported on my credit report. I have full XXXX coverage, I don't even recall going to the doctor as much. I notified XXXX, XXXX, and XXXX, all XXXX insurers told me that no bills were ever submitted. I never received any bills either. If I were my insurance company would have paid them in full. If you look at one agency they removed a dispute I filled out, but left the rest. I want all negative accounts removed immediately. They can contact my insurance company as I did, and find out that I owe nothing. XXXX
05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77056	Web
This account does not belong to me. It appears fraudulent in nature. I am requestion that you send any copies of any documents that you used to verified that this account belongs to me. If you can not provide such documentation, I ask that you stop reporting this account as it is causing me undue mental and financial duress. I demand a copy of any records that you have about this account that bear my name. Also, I would like the copy of any document bearing my wet ink signature, that may have been use to authorize any transaction under my name.
09/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32826	Web
Beginning of XX/XX/XXXX the collection agency ARS sent me information on a debt that I have repeatedly stated I do not owe. They are stating that they verified services were rendered but that did not confirm that these services were also actually covered through the finance committee of the hospital after determination my needing assistance. I have provided the confirmation of this through the letter that the Florida Hospital sent me. This letter shows the patient responsibility which is me as {$0.00} for services rendered on the date XX/XX/XXXX.
05/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 22191	Web
greetings! i keep receiving a debt collection letter from ARS stating i owed {$960.00} during covid i went to the emergency room at XXXX XXXX in XXXX virginia and the bill was paid in full by the owner of the company i work for like in a week or 10 days after i was at the hospital i sent an email to XXXX asking why they put me in collection but all i got was an email stating case is closed went to buy a car a couple of weeks ago and the guy at the dealer told me about my credit report showing the collection issues which damaged the transaction
03/24/2022	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33461	Web
I contacted the debt collection agency, ARS Account Resolution, XX/XX/2022 around XXXX pm EST, asking about 4 collections that appear on my XXXX credit report. I did not know where these debts came from but I was looking to settle them because they were so low in price. The debt collector could not find 3 of the debts and didn't have any recollection of 3 of the debts. They were only able to locate one of the debts that I paid. They are scamming me. They gave me two numbers to other companies who were clueless about the debts ARS claimed I owed.
09/27/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70816	Web
Upon reviewing my credit report i noticed an account that is listed under MEDICAL. Under hippa my medical information is protected. This same account is being sold time after time. I feel violated in the worse way possible. Where 's the medical release form? Why does a third party collection agency have my information? ARS Account Resolution needs to IMMEDIATELY furnish me with a medical release form or remove this account. I take my privacy and my rights serious. I will also be filing a lawsuit against the original creditor that sold this debt.
05/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32810	Web
ARS - Account Resolutions of XXXX XXXX XXXX XXXX, FL XXXX has refused to VALIDATE a debt that they ALLEGE that I owe. I also believe that they are in violation of HIPPA as they are alleging a medical debt and I have never hearf of these people prior to this and have not been provided with proper documentation as required by law. I have also never signed a HIPPA release with this company. They continue to report this debt without any account level documentation, and I have sent requests 3 times. They are illegally reporting information about me.
09/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33023	Web
I have been trying to resolve this problem with this cvollection agency with no aval. The original creditor charged the wrong insurance company, I spoke to them and gave him again the correct health insurance to be paid. I sent to XXXX copy of my card insurance to get paid but yet still reporting wrong information on my credit report. They just ignored my request ( XXXX ) and didn't even call their client to see if they got paid already. like I told you before My insurance will pay this bill, the hospital billed the wrong insurance company.
05/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 949XX	Web	Older American
XXXX/XXXX/08 I went to the clinic for stitches. I asked if they accepted XXXX XXXX and was told they did.XXXX XXXX XXXX paid them {$190.00} on XXXX/XXXX/08. I paid them the {$21.00} which was my obligation. When they billed me {$190.00} I contacted my insurance co. and they sent a letter to XXXX XXXX telling him he had been paid the negotiated fee he had agreed to in his participation agreement. He then turned it over to ARS ; I sent them letters and a copy of the explanation XXXX XXXX XXXX had sent to XXXX XXXX and me but it was never removed.
01/24/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 34761	Web
After reviewing my credit report, I noticed an amount on my credit stating that was owed XXXX from ARS ( ACCOUNT RESOLUTION SERVICES ). On my credit, ARS is claiming that there was a service received from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, on XX/XX/XXXX for {$1400.00}. I sent ARS a letter on XX/XX/XXXX, to VALIDATE this and provide me with competent evidence that I have any legal obligation to pay ARS. ARS ( ACCOUNT RESOLUTION SERVICES ) sent me back a letter on XX/XX/XXXX, only VERIFYING the alleged amount owed. That is not what I asked for.
12/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73071	Web
This debt that ( I don '' t recognize ) has been reporting on my credit report. on XX/XX/2019 I drew up a request for validation form along with a returned receipt and certified it. a little over two weeks later ARS sent back a letter stating ' this is an attempt to collect a debt ' with just an account number and that I allegedly owe {$200.00} to XXXX XXXX XXXX XXXX. ARS failed to send me proper documents stating that I owe this alleged debt. still to this day they are still reporting this on my credit report and its hurting my score.
09/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34983	Web
ARS ( Account Resolution Service ) has not shown or validated that I owe this bill or verified I owe this debt. The company has only provided date of service on XX/XX/XXXX with an outstanding bill of {$1200.00}. This is not adequate proof that I owe this bill. However, I have proof of a XXXX outstanding balance related to the service date of XX/XX/XXXX. Therefore I do not owe. I have attached the documentation. I wish to have this removed from XXXX, XXXX, and XXXX credit reports immediately and for ARS to stop contacting me. Thank you.
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77459	Web
Account was previously reported to CFPB and ARS responded stating that the account in question was opened on XX/XX/2020. However, ARS is reporting this account as opened on XX/XX/2020 on XXXX and XXXX. They are reporting the account as opened and closed on my report. Also there are other inaccuracies and erroneous reporting that I have mentioned in my last dispute to the credit bureaus. Copies have been mailed and faxed to ARS. This reporting violates my rights and need to be removed from my credit report immediately as stated by the FCRA.
03/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28214	Web
ARS. In XXXX Florida states that I have a medical bill in a state that I've not lived in at the time they are stating I lived in Ohio there is no way I could have went to where they are claiming I have contacted them omg they are so sp rude told me if I didn't pay they are just going to sell to someone else and hung up on me. I've disputed on my credit report still no help. I'm hoping and praying you can help me with this rude company. They are advising that I have 2 accounts in there office Date XX/XX/2016 Amount 1. {$850.00} 2 {$570.00}
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. DELETE AND REMOVE. DO NOT REPORT, RE-REPORT, TRANSFER OR SELL. SEND PROOF OF A ORIGINAL CONTRACT BETWEEN ME AND SAID CREDITOR/COLLECTIONS SO THAT I MY INSPECT MY " WET INK ; SIGNATURE. IF NO CONTRACT. NO NEED TO INVESTIGATE, RE-INVESTIGATE PLEASE DELETE, REMOVE AND UPDATE TO ALL 3 CREDIT BEAUS WITH PROOF OF SERVICE.
09/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33013	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
09/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33614	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
09/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33018	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
09/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33012	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
08/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33029	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
08/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33614	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
08/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33032	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
02/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web
I already have disputed this account multiple times for the last XXXX months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from XXXX bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
07/23/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45011	Web
ARS is a debt collection company that claims I owe {$460.00} for an unknown medical debt. They say XXXX XXXX XXXX is a billing agency for XXXX XXXX hospitals in XXXX ohio. While I have contacted BOTH places, the debt ARS claims does not exist to the original billing company. This collection has been in constant dispute. Further damaging my credit with their constant reporting to all three credit bureaus. I believe that a medical debt completely unknown to me was sold to this agency for pennies, and is over 5 years old at this point.
09/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08053	Web
The collection company said that the hospital had a contracted Dr. on duty the night my daughter was seen at the hospital. They said health insurance paid the hospital bill but not the separate Dr. bill. The hospital is no longer in business. I ca n't get a hold of them to fight this bill and I am desperately working to improve my credit. To add insult to injury I was n't even the person who took her to the hospital that night almost 5 or 6 yrs ago so I did n't even sign the paperwork. Their are approximately XXXX separate accounts.
05/20/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33313	Web	Servicemember
This collection agency has not identified what debts are owed nor to whom. My hospital visits were supposedly processed by a social worker whom stated that I would not need to pay for my stay, medication, nor anything related to healthcare due to me me being indigent and homeless. I have attempted several times to contact the debtor and ask for a breakdown of the bills in question and have not received a response. I have also disputed based on not having enough information to identify the debt and they have failed to respond to me.
10/31/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	SC 29360	Web
I did n't receive a notice of right to dispute. I sent XXXX ACCOUNT RESOLUTION a letter over 30 days ago about this account and the original creditor information and have n't not received any information. Also, I wanted this collection agency provide proof that they have been given the right to collect the debt or they have purchased this debt. Per FCRA, I have the right to sue this collector for reporting negative information without validating and providing false information. If this account is not deleted I will file a lawsuit.
01/21/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33162	Web
XX/XX/2020 they sent me information that was not ask for i ask for agreement saying i have obligation to pay any debt and teems and conditions of any agreement and a verified true accounting of debt saying XXXX XXXX owe. I want them to remove this negative information from my credit report. And stop trying to harass me for any debt i don't owe and if so send me agreement or contract binding me. The company account resolution service should not report me to any credit bureau if we don't have any agreement. This harming my profile.
03/31/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77063	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
05/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 61032	Web
On XXXX I checked my credit report through XXXX XXXX and I have over {$9000.00} in debt to a combination of XXXX XXXX, XXXX XXXX XXXX, and Account Resolution Services. These all are indicating that they are out of the XXXX XXXX Area, several seem to be d/t medical services provided that I did not receive. The account dates range from XXXX. Of note, my father passed away in XXXX and he did live in the XXXX XXXX area, so it is likely that my information was used for these debts either fraudulently or because I was his next of kin.
02/26/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33166	Web
ARS Account Resolution XX/XX/2021 {$1100.00} XXXX is the companys number, This debt is not mine, I have zero knowledge of this debt and have not done any business with any companys to which I owe anything. I dont know how they got my information, i believe they are committing identity fraud and some how obtained my private information. This is affecting my financial life ruining my credit by placing a debt collection on my personal account. I have zero knowledge of the account. Need collection and account removed immediately.
09/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94025	Web
XXXX wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called XXXX and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( ARS and XXXX ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).
10/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
This company XXXX XXXX Account Resolution Services has been reporting alleged debts, but has not/ can not give me validation or verification for any of these alleged debts. They continue to attempt to collect by publishing it with credit reporting agencies, which is a violation of my rights under FDCPA, their duties under the same and I have sent them a second request to validate and verify this and identify themselves with their EIN so that I can inquire with the IRS if they have requests funds under my name ( FRAUDULENTLY ).
03/13/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77084	Web
In accordance with fair credit reporting fact XXXX account XXXX has violated my right 15 USC 1684 section I have right to privacy 15 USC 1687section 604 A section 2 it also states a consumer furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card open -end consumer credit plan as late for any purpose I don't know how the used my name in on medicine insurance I'm XXXX my insurance pays most my bills I never received a {$2000.00} ever my bills never been over {$50.00}
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 Investigation took more than 30 days	FL 33161	Web
I filed a dispute to validate the accounts on my credit report. It has been over 30 days and I have not received any investigation results to validate this debt. This account was sold/transferred, and I am no longer responsible for the account. There was NO written agreement, signature, or contract with this company. A bill without a signature does not validate the debt and anybody can send a bill and says its mine. According to FCRA, ARS has violated my rights. I am requesting legal action to remove this account immediately.
03/30/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32703	Web
They are reporting 11 times the same company a dollar or two off. I asked for proof of debt and they only provided account numbers. Some times they reported I was serviced I didn't live in Florida and it could not be me. They have been unable to provide me with proof it was me. I always have insurance so I wouldn't owe anyway. They are destroying my life and it's not fair to report me. How can these stay on my report when I am disputing. I have been fighting these people long enough. They are literally causing severe stress.
11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43085	Web
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX
11/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60188	Web
When I first found out about the debt, I call the hospital and told them that I did present my medical insurance to the person taking the information along with my id. I was told that the wrong code was used and that they will try again to submit payment. I did not hear anything back until I saw it on my credit. I call the collector and was told that I was responsible for the debt. I sent a copy of my medical insurance proving I have coverage. I am here today because I was directed to contact this agency for addition help.
03/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33160	Web
I have received letters of an amount owed XXXX} from a clinic that I never went to, someone used my identity for the services of that company, I have tried for more than a year to talk and resolve the situation and it has not been possible. The invoice was successfully disputed and withdrawn from XXXX and XXXX after investigations that prove that the debt does not belong to me, however experian continues to reflect the collection, I need this debt to be removed, it affects my credit and my opportunities to take out a loan
07/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32839	Web
Hello Ive requested on several occasions XXXX debts are validated from XXXX XXXX and XXXX or be removed for being falsely posted on my credit. They have all failed to validate the debt or remove the collections from my credit file. I sent two rounds of letters, once on XX/XX/ and also on XX/XX/ requesting the medical records be validated or removed and neither has been done. There are several medical records on my report that I need to be validated or removed, its about 11 collection accounts that need to be rectified.
02/18/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34741	Web
I dont know know this company, and they have harassed me several times ; I have repeatedly asked to them explanation of the collection and to send a letter to my current address validating the debt and explain the charges. They have not done so. I have offered to pay this debt in full if they are willing to remove this derogatory remark even though I dont believe I owe us this debt, they have however, refused to answer me after that as well. They continue to harass me without explanation or whom the original creditor was.
04/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	LA 700XX	Web
I never received a bill from the Ohio Emergency Room and the amount is incorrect, I had insurance at the time with XXXX XXXX XXXX XXXX and they were to pay in full. ARS Account Resolution : XXXX is reporting incorrect information to XXXX, XXXX, and XXXX. On XX/XX/2019, I reached out to the collections company to dispute the bill and they have been no help. This is a unfair situation because I am receiving a derogatory mark on my my credit score and I am having a hard time getting a mortgage for a house for me and my kids.
10/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34953	Web
I downloaded the XXXX app. I seen that my credit score was very low. I checked what was bringing my credit down and it was some medical debt bills that was not me going. These are the following : ARS Account Resolution dated XX/XX/XXXX for the amount of {$1000.00}, ARS Account Resolution dated XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$870.00}, XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$600.00}, and XXXX XXXX XXXX. dated XX/XX/XXXX for the amount of {$1300.00}.
09/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30809	Web
I spoke with the company on XX/XX/XXXX that I have never received a bill for the said amount that appeared on my credit file on XX/XX/XXXX from a balance due in XXXX of XXXX. The rep gave me the address that they sent the letter to which I have not lived in over 10 years. My current address has been updated with the post office for over 5 years for my current address. I am disputing this being reported on my credit file as the company never notified me that there is a balance due nor have a received any contact by phone.
06/26/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OH 45236	Web
XXXX has been using different phone numbers and calls me multiple times a day and has not left any voicemails. At one point I answered and asked why no messages were being left and they said they were not allowed to leave messages. I asked them how they intended to inform me to call them back if no message was left. Especially since the number can be different each time they call. I also informed them I was unable to talk because I am at work and unable to be on my personal phone as my job requires me to be on the phone.
06/07/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32773	Web
On XX/XX/2021 I sent a letter to Account Resolution Services requesting that they validate the debt in question and they failed to validate the debt they simply sent me an account summary on their letter head. On XX/XX/2021 I sent them a letter notifying them that the information provided does not substantiate that the debt belongs to me. I asked them for specific information about this debt and the failed to furnish the information and continue to report on my credit without doing an actual investigation of this debt.
07/21/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 463XX	Web
Account Resolution Services, which I hold no contract nor have I recievedservices reported a collection account against my social security number XXXX XXXX XXXX in the amount of {$690.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verification of the debt and account however the business failedt to provide adequate proof. Considering this business does not have a contract with me for goods or services they provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
04/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I have been contacting this company for almost 2 years and informing them that I do not owe for this debt. I went to the emergency room due to XXXX XXXX but due to an extended wait time I left the emergency room and was never seen by any physician. The company agreed by phone to remove the debt several times but has failed to do so, in fact the company has posted this debt under my credit file! I need this matter addressed with CFPB because attempts to rectify it on my own have been unsuccessful. Please advise!
09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 338XX	Web
I reviewed my credit report on XX/XX/XXXX and found out I had 12 inquiries and only 2 where autorized and valid, Also I have collections i have no knowledge about, i also saw duplicate collections from a so called XXXX XXXX XXXXXXXX I have requested multiple times for a investagation, resolution & correction with proper actions this has not been taken place under the fair credit act. I have showing collections of some medical by ARS ACCOUNT RESOLUTION this i have no knowledge and believe i being scamed on collection
09/07/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 278XX	Web
A debt was reported on all of my credit reports from Account Resolution Services in the amount of {$730.00} open on XX/XX/2019. I sent a HIPAA authorization and a validation to this company on XX/XX/2019. They started calling me everyday, different times of the day after receiving letter. I also checked my state 's secretary and this company is not licensed in North Carolina to collect. They also sent me a bill for a hospital in XXXX, NY I have not been to nor does have my name as the patient seen at this hospital.
06/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08054	Web
According to ARS, there is a medical debt associated with my name that I am completely unaware of. I want to clarify that I have health insurance, and on XX/XX/2019, I was not sick nor did I visit any doctors. Despite disputing this issue with the credit bureaus, I have not been successful in resolving it. The office mentioned in the report is unfamiliar to me, and there is no evidence such as signed contracts or hospital bills that link me to this debt. I want to emphasize that I was not ill at any point in 2019.
08/03/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33334	Web
ARS has violated my privacy. Your company has reported three hospital bills negatively on my consumer report. Neglecting my right to privacy has lead to me being denied treatment when gravely needed. Pursuant 15 USC 1681c ( 6 ) this furnished information should not include specific identifiers such as the name, address or nature of services provided. This error has undermined my confidence as a consumer because you are furnishing information that has caused me to experience discrimination based on health matters.
03/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 080XX	Web
I was sent to the emergency room sometime last year and received treatment at XXXX XXXX and XXXX center. My health insurance XXXX covered my medical treatment expenses while I was there, however I ended up seeing on my credit report that I supposedly owed a debt to XXXX XXXX XXXX XXXX XXXX XXXX which was opened without my knowledge on XX/XX/2021. It appears that ACCOUNT RESOLUTION SERVICE is the company that is now alleging that I owe this debt to them which was already paid for by my health insurance company.
11/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 45342	Web
On XX/XX/2022 I received a debt verification letter from your company. In response to that letter, on XX/XX/2022 sent certified mail, within my rights according to the FDCPA I sent a validation of debt letter requesting specific information on the alleged debt. On XX/XX/2022 I received the same letter with no additional documents failing to honor my written request concerning the validity of the alleged debt which from my understanding is a violation to the FDCPA. How is the alleged debt validated and verified?
08/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43232	Web
My name is XXXX XXXX and on XX/XX/2020 and XX/XX/2020 I sent a letter disputing a collection account asking for verifiable evidence that the XXXX collection accounts they are inaccurately reporting. The name of the collection agency is ARS Account Resolution, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida. The company has not been able to produce verifying evidence of the debt bearing my signature which is the legal way of a method of verification. They continuously send the same pre-drafted response.
04/23/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27560	Web	Servicemember
In XX/XX/2018 I wrote correspondence to XXXX XXXX XXXX XXXX XXXX XXXX regarding an account under ARS Account Resolution for {$190.00} showing on my credit report. I disputed that this account was not mine and that I carried medical insurance during XX/XX/2018 I request iim proof of any debt owed and i never received a response. This remains on my credit report and is not legit. Please help me get this debt removed or proof of the account mailed to me. If you need anything from me, please call me ( XXXX ) XXXX.
12/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	DC 20009	Web
XXXX called me out of the blue on XX/XX/XXXX about an amount supposedly owed to an ER doctor in XXXX XXXX, Rhode Island. I had already received an EOB from my insurance company saying that I owed nothing. I asked the person on the phone to send me a copy of the bill which they never did. I continue to received daily robotic phone calls from all different numbers. I have spoken again to my insurance company and they say I don't owe anything and if this company sends a bill to forward it to my insurance company.
01/12/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 33056	Web
I have disputed this several times and was never sent any validation for this account. This debt does not belong to me. I have requested documentation verifying that this debt belongs to me and I have not received it. I would appreciate this company provide the information that they used to verify me as the owner of this account or delete this negative account from all three credit bureaus as soon as possible. They have 5 different negative accounts on one Report and 3 different negative on the other report.
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 14220	Web
To whom it may concern : I am writing to inform you about an error I noticed on my XXXX credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of item being XXXX I have disputed this accounts several times over the past few months. I never received any response from these companies. I have asked for validation and repeatedly stated these accounts are fraudulent. I am requesting that you remove this information from my credit report. Thank you for your help
09/17/2019	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 731XX	Web
Service date I'd XX/XX/19. Total balance is XXXX. HRRG is the company that keeps sending me letters. I have spoken to them letting them know this was a job related injury and I also spoke with the hospital on day of service letting them know this was a workman 's comp matter. I have called administration at the hospital. They told me they would send my ex employer the bill but instead they sent me the bill an now have collections sending me bills over and over. HRRG stated they couldn't do nothing about it
03/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70816	Web
For the last 3 months ( XX/XX/2018-XX/XX/2018-XX/XX/2018 ) I have contacted XXXX XXXX XXXX about a two debts reporting on my credit report that I owe the amount of {$950.00} and {$610.00}. I have requested them to provide me with a copy of any viable evidence, bearing my signature in which they have failed to do. I'm enclosing the certified letter that were sent to them and the response letters I received from XXXX. Each time they have sent me the same letter just change the date not validating my request.
08/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30341	Web
MY DAUGHTER WENT TO ER. THEY WROTE DOWN WRONG INSURANCE CARD NUMBER. UNKNOWN TO ME WAS TURNED OVER TO COLLECTIONS AND I CAN NOT GET A MORTGAGE. I CALLED ARS THEY REFUSED TO CALL MY INSURANCE. I FINALLY GOT A DEBT DELETION LETTER WHICH I USED TO UPDATE MY DESPITE WITH THE CREDIT AGENCIES BUT DESPITE INCLUDING THE LETTER IN MY REQUEST ARS STILL CLAIMED THAT THE DEBT WAS ACTIVE AND THE CREDIT AGENCIES STILL POSTING THE DEBT AND I CAN NOT GET A MORTGAGE AS THIS KILLED MY CREDIT RATING FOR A BILL I NEVER OWED.
02/24/2020	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34761	Web	Servicemember
HRRG collection agency calls my phone repeatedly. 8-10 calls a day. They called me at XXXX a few days ago. I already spoke with them and explained my child had insurance and the hospital failed to bill correctly. To stop calling. The calls are all day and evening. They always call from a different number so I can block the calls. Its getting out of control. So far today they have called 10 times. Its XXXX. The calls started and XXXX. They will probably call and 5-6 times. Sometime they call back to back.
02/16/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19149	Web
For the past year, I have continuously disputed the referenced account with the three credit bureaus. All medical bills should have been covered by my health insurance at the time. I was receiving medical assistance through the state of Pennsylvania during the DOS. This bill is not my responsibility. I sent several disputes to the agencies and they have failed to provide validation of the debt, the account was removed from two of the credit bureaus but it is still being reported on my XXXX credit report.
05/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 723XX	Web
I consumer XXXX XXXX recently reviewed a copy of my credit report and I understand that ARS is violating my rights as a consumer. I didn't give ARS permission to have my personal information. This is a medical debt I have a right to privacy and that is being violated. ARS knows why and when this transaction could have happened. I am not going to continue to have my rights violated, my character defamed, and/or my privacy not being respected. You can have this debt but you should not have my information.
04/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 19082	Web	Servicemember
Account Resolution Services sent me a collection letter for a hospital visit from XX/XX/XXXX with XXXX XXXX XXXX XXXX. My insurance paid this bill on XX/XX/XXXX. ARS opened this account on XX/XX/XXXX. I have disputed this account as paid before going into collection ever since receiving the initial letter from ARS. Both ARS and the XXXX main credit bureaus have ignored me. I recently sent ARS a copy of the paid bill on XX/XX/XXXX. I have yet to receive a response from ARS. I have attached the paid bill.
08/11/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08104	Web
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. Assignment clause Notarized letter of debt purchase Signed contract from original creditor Copy of license to collect in my state legally *Copy of signed HIPPA form They are saying it is verified but where's my proof? What methods are you using to verify?
02/29/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33570	Web	Servicemember
My credit report currently shows account # XXXX from ARS Account Resolution for the amount of {$780.00}. I had Veterans insurance at the time of service. The insurance should have been billed correctly so payment can be made instead of damaging my credit. Why damage my credit when you can go directly to the insurance on file for payment? If payment is delayed my personal credit shouldn't be damaged because the VA takes a long time to process payment. Bill insurance and remove from my credit immediately!
12/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
XXXX XXXX stated they stopped collection on my account. I would like XXXX XXXX to provide me with a letter stating the facts. The letter should address : -Date they sent account out of their offices -Reason they sent account out of their offices -To whom they sold account to - That they no longer have rights to account and I am not responsible for any payments to them This account is being pursued by multiple collection agencies and I had already disputed it being mine previously. This is not my debt.
07/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 531XX	Web
Keep getting calls. I called the number today because I know I do n't owe any money to anyone. I have had someone previously use my phone number and have had debt collection agencies calling my house looking for a person I do not know so I figured this XXXX was starting again. I have police reports filed with the XXXX department. I called the number. They will not give me any info. I have never received any bills in the mail so I know I owe no.money. I told them to stop calling me. They were very rude.
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45414	Web
XXXX XXXX XXXX / orig creditor XXXX XXXX AMOUNT OWED - XXXX Date account opened XX/XX/2018 ARS ACCOUNT RESOLUTION AMOUNT OWED- {$690.00} Dates opened XX/XX/2018 Ive asked both these debt collectors to remove this from my credit report nothing has changed Ive reached out to all 3 major credit bureaus and disputed vigorously still nothing has been done Ive sent credit letters with proof that I was incarcerated at the time of these accounts being opened, now Im being challenged to produce a police report
04/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33055	Web
XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX opened a collection account on XX/XX/2022 in the amount of {$780.00} in my name. They have used a collection agency called Account Resolution Servi to attempt to collect this fake debt. I have never heard of this company before. I do not know why they are trying to charge me for something when I have never used their services before. There are reviews from multiples people stating they have been victims of these false collection scams before by this company.
02/16/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 750XX	Web
According to the State Licensing Requirements the debt collectors that is collecting on my debt for Ars Account Resolution using address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.
05/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33150	Web
I have had Medicaid coverage for her he past three years, since XX/XX/XXXX. There is collection account that is reported on my credit report for XX/XX/XXXX for {$930.00}. I have contacted the collection company and the credit bureaus and requested for this to be removed from my credit. I have also provided them with evidence that I was fully covered with Medicaid during that period. Unfortunately, they have not addressed the request. I contacted XXXX, XXXX, and XXXX XXXX XXXX on this, but to no avail.
08/02/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	GA 31021	Web
I found this an entry on my consumer credit report from ARS. I have no idea what this debt is and attempts to have it verifified have been unsuccessful. In addition the debt reports with a balance of {$670.00} and a start date of XX/XX/XXXX on XXXX and XXXX, but reports from the same company with a balance of {$6500.00} on XXXX and a start date of XX/XX/XXXX. In addition it is listed twice on XXXX. This is unfair and illegal credit reporting. This company has failed to provide any verification of debt
02/01/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33606	Web
I am in a massive medical malpractice lawsuit with XXXX XXXX and therefore I will not owe these debts..There is a total of {$2200.00} that needs to be removed. My attorney is aware of these charges and said I will not owe them..so please remove these debts from my credit report. XXXX XXXX XXXX {$1200.00} and XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXXl {$280.00} and ARS Account Resolution {$190.00}. The accounts are with : ARS Account Resolution of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/22/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NJ 088XX	Web
I sent the company HRRG a letter below is the letter that I have sent them. Healthcare Revenue Recovery Group , LLC XXXX. XXXX XXXX XXXX, FL XXXX To Whom it may concern. Please do not call every day. I understand I owe you money but calling me 3-4 days in a row is annoying. Your payment site doesnt allow you to set up weekly payments only single payments. Also, you can not set up future payments on your website. The company has not stop calling me. When the company calls, it is recorded message.
02/15/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07631	Web
They reached out me by mail to collect on behalf of a debt I do not have any recollection of. Ars Account Resolution has failed to verify the debt by not sending me a copy of the last bill from the original service provider so I can verify the debt. In addition, I have not signed any documentation giving consent for my personal health information to be released nor utilized by ars. ARS is currently illegally attempting to collect from me on behalf of a debt in a state in which they are not licensed.
01/27/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 328XX	Web
I have contacted account resolution services a couple of times in the last month and on XX/XX/2022 to have my debt verified. I have also sent out a debt validation letter on XXXXEach time I have contacted I'm presented with a service for a fee to dispute the debt which is not what I am asking for. I've been trying to have the debt information verified once it is a valid debt I wanted to proceed with making a payment for deletion. I have not been successful upon doing so. I just want to move forward.
06/29/2020	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 33055	Web
I am receiving a derogatory/negative remark on my credit report for this creditor for money I do not owe. I am unaware of this account and monies owed. This creditor is negatively and incorrectly impacting my credit report for a balance of {$1000.00}. I ask that this be removed once and for all. I did try to contact this creditor and advised them I am not responsible for this debt however, they have not removed this account from my credit report which is intentionally negatively impacting my score.
09/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32818	Web
The company does not have a contact number via my credit report. XXXX has confirmed this also each of the 6 times I disputed the account. I constantly request to have a bill sent to my house or email or even a phone call. But i never get anything. I dont know this creditor. Ive never heard anything about them or from them. There is no contact information. This was not me. The amount for {$590.00} thats saying I owe, I do not. I dont not know this fraudulent company nor how they got my information
04/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78750	Web	Servicemember
Previously filed a complaint against the same Debt Collector : XXXX They responded to CFPB with false information. They also indicated that they have requested credit bureau to delete the account. I have spoken with credit bureau, they have researched and said they have not received any requests from this collection agency to delete the account. The also mentioned that they usually received requests immediately and accounts are deleted imeediately BUT in this case they do not have any requests.
08/09/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 14086	Web
I have blocked multiple phone numbers that this company has called me from. I have received over 7 calls in one day from this company. I have repeatedly asked to be put on a do not call list. they call and say nothing and then hang up on me. I call them and when I ask them to stop contacting me they intentionally hang up on me before I can say put me on the do not call list. these tactics are illegal and a violation of my rights and I will be seeking legal action if the contact does not cease.
08/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33168	Web
I asked the company for a request that was two-fold ; submit my right to waive XXXX regarding communication with a third-party and second, to verify debt via signature, documentation, and information necessary to establish verification and validation of debt. The company submitted an account number with my name on it, which was not the necessary information requested to negate fraud concerning my identity as I am unaware of said debt.They continue to negatively report information without proof.
06/04/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95834	Web
I was seen by a doctor in a emergency room. My insurance paid the debt in full. The doctor tried to balance bill me in error. I sent the explanation of benefits to the debt collector to prove I did not owe the debt in question. They keep telling me that they are waiting for the original creditors response. I have been waiting over 30 days for them to remove this from my credit report ( since sending E.O.B ). The account is over 2 years old and I have been disputing this account for over 1 year.
12/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34983	Web
I have asked Account Resolution Service to send me validation of these debts they continue to report to the XXXX major credit bureaus. They have failed to send me anything that is contractual binding of me to pay this debt instead I got a letter on their letter head stating I 'm to pay this debt. How can a company, just say you owe something without any supporting signed documentation? I 'm writing to you for relief from Account Resolution contuining to report false information and exhortation.
08/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32277	Web
Im accordance with the fair credit reporting act XXXX {$100.00}, XXXX {$150.00}, and ACCOUNT RESOLUTION SERVICES {$1200.00}. Has violated my rights. 15 U S C 1681 section 602 A.states I have the right to privacy. 15 U S C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U C S 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
03/30/2019	No	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 337XX	Web
I have asked HRRQ 2-3 times now via the CFPB to stop calling yet they continue to call me post-revocation of consent and are using automated pre-recorded messages. I HAVE ASKED 3 TIMES NOW FOR THEIR COMPLIANCE OFFICER TO REACH OUT TO MY AUTHORIZED REPRESENTATIVE XXXX XXXX AND HAVE GOTTEN NO RESPONSE OVER 60+ DAYS NOW. CONTACT XXXX XXXX XXXX XXXX. THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
08/31/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32811	Web
ARS refuses to abide by any rules and regulations listed under FCRA or FDCPA. In the previous complaint they stated Our client, XXXX XXXX XXXX/XXXX XXXX XXXX, is a provider of XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX, FL. Which means that you are attempting to collect money on an account that you bought from someone else. This account does not belong to you and there for I am not legally obligated to pay ARS anything. Proof of debt owed, does not mean ARS has the right to collect on a debt.
06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 770XX	Web
ARS ACCOUNT RESOLUTION has continued to put an account on my credit report. I have no idea what it is for, nor have I received any mail from this collection agency. It was opened on XX/XX/XXXX. It now shows on my report as a collection account stating {$1.00}, XXXX past due as of XX/XX/XXXX. I have disputed the account through experian and attempted to reach out to the collection agency for supporting documentation. I am now reaching out to your company for some support. Thank you kindly.
03/15/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33617	Web
It was brought to my attention that I received XXXX XXXX at XXXX XXXX Hospital on XXXX through a third party called XXXX XXXX XXXX whom sent my account to collections to a company called XXXX XXXX XXXX. I was just advised by the hospital that the XXXX XXXX brought my balance to a zero balance for all services rendered during my stay at that time. As a result the account on my credit report under account number XXXX was charged off and has a XXXX balance instead of a balance of {$1800.00}.
09/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33407	Web
in XXXX of 2021, I received a copy of my credit report and ARS was reporting a collection on it. I reached out to ARS in an attempt to dispute the matter and asked them to verify the account they believed belonged to me. The company in turn send me an internal bill with none of the method of validation I asked for. No signed contract, no itemized bill for goods or services they claimed to have provided to me. I don't know who this company is and don't remember doing any business with them.
10/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77044	Web
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.
06/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33351	Web
I asked ARS for a debt verification certified mail with return receipt and they resent me the same information without proof the debt was mine. I sent a second verification letter and they resent me the same information no change. I decided to file a case with the XXXX XXXX XXXX and they sided with me. I sent this information to ARS and they resent me the same information. I will now forward a cease and desist letter to them as well as a report to the consumer financial protection bureau.
08/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77471	Web
I have been disputing this collection debt from ARS. I have asked them to provide proof that this is my debt. How old is out? Where is it from? Who did they purchase it from? They do not respond and just keep putting it on my credit report. I have asked for them to remove and they will not. The constant calls are becoming too much. They do not provide me with any information as to what this debt is. This has been going on for years now and they keep putting new stuff on my credit report.
01/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60411	Web	Servicemember
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from this company.. I requested that they validate the alleged debt but they could not. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. They have been unable to provide this information and I am now asking that they remove this debt from my account.
05/15/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19904	Web
Received a collection notice at my work address XX/XX/23 for dept not associated with me. Tried twice to contact the company and I provided them with the notice ID from the collection notice. They would not proceed without me giving them my personal details and this is not my debt so I was not comfortable with giving them my personal details. I attempted to verify that my day of birth was # # in order to know they likely had my info and they would not proceed then needed all my details.
11/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 28786	Web
I went to a medical facility for treatment and incurred a debt. At the time I requested to pay my portion but was told it had to be filed with my insurance first. I never received a bill, an EOB from XXXX, nor any phone calls or emails informing me of my owed portion. I only became aware of it, when I checked my credit report to notice my score had dropped some XXXX points. I was never given the chance to pay the debt, and even when I pay it now my XXXX XXXX will be affected for months.
07/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32839	Web
I receive a response from this company that simply telling me that the call they call their sister company and they dept was accurate and Im not satisfied with that so Ill challenge this company to show me proof of Id social or signature or any other documents that was use to validate this dept Ill like this in writing by mail or email! And if this company fail to provide all proof to show that this Debt is 100 % accurate Ill ask for them to remove this account under the fair credit act
08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33952	Web	Servicemember
I have noticed new collections on my credit reports and these Medical bills reported without any notice. No calls, no mail, nothing. According to the collection law they must meet guidelines before reporting to the credit bureaus. I was unemployed at the time these bills were acquired and should have been filed with the medical facilities for assistance for payments. I have never received a call, bill or any information from them and now it's with collections and on my credit reports.
07/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76010	Web
on XX/XX/2022 I SENT OUT A VERIFICATION LETTER AND A VALIDATION LETTER AND THEY SENT BACK LETTER ON XX/XX/2022 STATING THAT THEY CLIENT HAD VERIFIED IT WITH THE CLIENT AD SENT A BILL AS VERIFICATION .... ON XX/XX/2022 I SENT A LETTER ASKING THEM TO PROVIDE ME METHOD THEY USED TO VERIFY ..... I ALSO ASKED FOR THEM TO SEND ME ALL DOCUMENTATION WITH MY SIGNATURE ON IT ... .... AND THEY CONTINUE TO SEND THE SAME BILL SAYING THAT IS HAS BEEN VERIFIED BUT NO DOCUMENTATION TO SUPPORT THE DEBT
03/29/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 125XX	Web	Older American
The phone calls are coming in each day. They are robocalls which claim a debt. But when I have gone to the 800 phone number to discuss it, I am given a series of questions to sell me products. There is NO WAY to speak to someone. The numbers rotate each day so are impossible to block. Among them are XXXX, XXXX XXXX XXXX and XXXX. But there are countless more. The 800 number I was given to call was XXXX, I misdialed the first time and got the same treatment at this 800 number : XXXX.
04/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 852XX	Web
Ive reached out to the collection company with no success. Ive tried disputing several times with no success. Ive also asked the collection company to provide contact information of the alleged creditor so I may discuss with the source. They state they do not have that XXXXnformation or refuse to provide it. How am I being charge or held accountable for an alleged service that I can not verify. This is misuse of treatment and unfair. I demand I get a valid opportunity to dispute this
09/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32707	Web
ARS an unknown establishment obtained my information illegally ( Violates Hippa Privacy Act ). XXXX reported ARS account # XXXX - {$150.00} and ARS account # XXXX - {$37.00}. I disputed thus stated items according to FCRA and obtained a letter from XXXX and was render a verdict of validated debt. XXXX never produced required evidence from ARS that was in the initial dispute because there is no validity to this debt. Fair Debt Collections Practices Act, 15 USC 1692g Sec 809 ( b ).
08/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I have reached out to ARS and the hospital in regards to this debt in the amount of {$1100.00}. I would like to know exactly what the charge is for. So long as it is a legitimate charge, I am happy to pay it. However, I will not pay anything If I do not know what I am paying for. I have asked for months for them to provide the bill to me. I know which hospital they say the bill is from and my husband works at the XXXX. No one is able to give us information about this particular bill.
02/15/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NJ XXXXX	Web
The company below says I owe this and is threantening me to ruin my credit if i dont pay. XXXX XXXX XXXX XXXX Collection Department / Agency / Attorney Closed XX/XX/XXXX {$850.00} 1 Month {$850.00} Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX Collection Account Closed XX/XX/XXXX {$850.00} Unpaid MEDICAL Unpaid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Open XX/XX/XXXX {$850.00}
05/30/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77338	Web
Account Resolution Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Amount XXXX was paid to XXXX XXXX XXXX XXXX XXXX XXXX Date open XXXX / XXXX / 2012 Talked to XXXX and I was told that I do not owe any payments to them, called ARS and told them so they can remove from my credit report, as of today they still have this on my credit report wanting me to pay them. Also XXXX XXXX XXXX XXXX do not use collections agencys
03/23/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 334XX	Web
This debt was not mine, I had it removed from XXXX credit reports while it was under the name of a different collections agency. Now, I am getting harassed by a new company called XXXX regarding this previously deleted account. I feel very uneasy about this issue. I was yelled at over the phone, and was told that I am basically a bad person for not paying my " debt '' by the collector. I do not deserve to be treated this way, especially for a debt that I had been cleared of already.
09/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30168	Web
Account Resolution Services has refused to give me the address or contact information of XXXX. There are no records or phone number found for this company. I have never rendered services from a company called XXXX. Account Resolutions Services also refused to give me a copy of any bills, billing itemizations or contract information concerning the debt they claim I owe. Account Resolution Services has refused to provide me with proof that it has any authority to collect for XXXX.
09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 081XX	Web
HIPAA Violation I requested validation ( not Verification ) of items being reported to the credit bureaus. ARS Account Resolution responded in multiple letters that they have " verified '' these accounts. This " verification '' presents multiple violations by ARS Account Resolution as well as the Credit Bureaus. First, ARS Account Resolution did not provide the evidence of validation that was requested and also by providing this information they are in violation of my HIPAA rights.
04/26/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85213	Web	Servicemember
I received a bill with one line with no detail of what I was paying for so I asked for more information all of a sudden I'm getting calls from a collection company saying I owed money and that I have been forwarded to collections. I have had an XXXX XXXX XXXX most of my life. This feels like a scam and harassment to me. A company can ruin your credit with no recourse and force you to pay a bill that they don't provide information about the charges. This is not fair and just wrong!
09/01/2021	No	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NC 285XX	Web
On XX/XX/2021 I received a call that identified the organization as the XXXX XXXX ( XXXX ). I did not answer the call, and a voicemail was left saying they were in fact HRRG ( a debt collection agency ). The number they called from was XXXX. I am attaching screenshots of the caller ID and the VM transcript identification info for reference. This is misleading and harassment. This is also the second time this agency has contacted my number using a false identifier in the caller ID.
01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34232	Web
It says that XXXX XXXX XXXX account is still open and it is actually closed. XXXX XXXX XXXX sold my debt to account resolution services and I dont recall giving them permission to do so. I would like to see the original contract I signed if they think i did. This account also was paid by my lawyer when we settled for my car accident and it still wasnt taken off my credit report.it also states that it was opened XXXX 2017 but it was actually opened XXXX 2017 my email is XXXX XXXX
04/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33510	Web	Servicemember
Spoke to XXXX XXXX and they were very unprofessional. would not listen to my concerns and only provided a fax number XXXX, which he then immediately hung up on me. I initially received a credit alert about this activity previously, since I have been a victim of I'd theft. I have not been to XXXX for medical of late last year and this is a fraudulent claim they refuse to remove. This has dramatically hurt my credit score. Please have this remove and resolved. I am out of options.
10/04/2022	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	FL 32811	Web
I have been sending disputes to XXXX in the mail for over 6 months. In these 6 months I have not received one response back regarding my disputes. I also sent requests for debt validation ( per FDCPA ) to XXXX XXXX XXXX XXXX and Account Resolution Services and they did not respond with the documents that they were supposed to provide. XXXX and XXXX removed the incorrect information from my credit reports but, XXXX refuses to even complete a dispute and sent me one letter back!
01/15/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28208	Web
My complaint is about ARS- Account Resolution, XXXX, amount {$800.00} they are reporting two different debts with two different dates that has not been validated. I never received validation on this debt, not verification. This was actually removed off my Credit. Report last year and placed back own my credit report which is illegal. I will be contacting the FDCPA is this is not removed from my credit report. It was proven that they could not validate the date and was removed.
05/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33415	Web
Original creditor : XXXX XXXX XXXX Account number # XXXX amounts # XXXX This account is not my responsibility, it is the responsibility of the medical insurance at that time, I demand that it be investigated, corrected by the 3 credit agencies to be eliminated ... Immediately I hope that it will be collaborative since I am due to the worldwide medical situation. it is affecting the possibilities of being able to be emotionally at peace please ask for your collaboration ....
04/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30236	Web
Account Resolution Service has reported fraudulenty to credit reporting agencies that I owe a debt for {$880.00} for Emergency services in New Jersey. I never received any written communication or phone calls from this company yet it was reported on my report on XX/XX/XXXX. I have not lived in New Jersey since XXXX, I have been a resident of the State of Georgia and employed in Georgia. I am demanding that this be removed from all credit reporting agencies immediately.
05/16/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 076XX	Web	Older American
Wife called XXXX on Saturday, XX/XX/2023 because I fade out. Once the paramedics arrived to my house they just suggested to me to take XXXX and XXXX together. They added that it was the treatment they personally take for XXXX XXXX. Then they offered to me to choose between riding with them in the ambulance or do do it myself to the nearest hospital. Due to the fact on the information provided by the paramedics was not reliable, my wife and myself said no. Paramedics left.
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 622XX	Web
In accordance to the Fair Credit Report Act XXXX XXXX ; Account Resolutions ; XXXXXXXX XXXX XXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXXXXXX, XXXX ; XXXX XXXX ; XXXX. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
09/22/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 746XX	Web	Older American
my phone showed a person in my phone book even sad the name when i answerd it was HRRG Calling not XXXX XXXX i feal thay must have hacked my phone book or phone account the number when u look after words is the person in phone book so i dont know how to prove what thay are doing i would think what thay did is not leagle but i am not a lawer i would like them to say thay are sorry for what thay did and sence bill is less than 250 $ that thay pay it off thank you XXXX XXXX
11/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32738	Web
I have disputed this account several times, asking for verification of the information that XXXX XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2014, However I have yet to receive a copy of an Agreement that I signed, or what the contract was for.
04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34746	Web
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. 15 u.s.c. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of complaint jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
11/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34120	Web
I have had this debt that does not belong to me any times for many years. The date 2018 is incorrect as they have been putting this on my credit for 5-7 years now. I have asked for orignal documents or proof or any back up and they still are unable to provide me anything. This does not belong to me, they have nothing but an invoice, nothing filled out by my, no ID copies, nothing I would like it removed once and for all and not continued to be sold to other collectors.
04/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
On XX/XX/18 I certified mailed a Validation of Debt Letter to XXXX in relation to a debt collection I received. XXXX failed to respond with the information as is required by the FCRA. They then put several accounts on my credit report. These actions are illegal according to the FCRA and I am demanding that all items be removed from my credit report as well as a check to be written to me in the amount of {$1000.00}, as is required by the FCRA for this illegal offense.
05/24/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33612	Web
I am writing to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that the accounts and information listed below cease reporting on my consumer report immediately. This action is in direct violation of the FDCPA and FCRA, and it is essential that these accounts and information be promptly deleted and removed from my consumer report. Please ensure the immediate removal of these accounts and information.
07/20/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77471	Web
We asked Account Resolution Services to validate a debt by the FDCPA law. They fail to do so by not providing that they are bonded by the State of Texas to collect debt in the State of Texas. I am going to provide the letter they sent in return to our FDCPA Validation letter that was sent to them. The letter that Account Resolution Services provided will be attach to this complaint and you ant see proof that they have the right to collect debt in the State of Texas.
09/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33446	Web	Servicemember
I was contacted by ARS about a medical debt that I told them that the veterans admin. was to pay. Second, they put the debt on my credit buerueu without even contacting me by letter or mail. After I called them they were very rude and hung up on me several times after I asked them why this was on my credit .buerua. I was not able to talk to a supervisor and it 's just so frustating to get the run around. I want this off my credit and I am not getting ny answers..
10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32808	Web
{$1700.00} XX/XX/2021 {$690.00}. XXXX accordance with the fair credit reporting act this creditor has violated my rights under 15 use 1681section 6 of 2 states I have the right to privacy15 use 1681section 6 o 4 a section 2it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
01/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77073	Web
I was a victim of identity theft and noticed a collection from ARS ACCOUNT RESOLUTION I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ARS ACCOUNT RESOLUTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
05/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77090	Web
Hello, I have reached out to ARS several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a SIGNED CONTRACT that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediately.
08/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33612	Web	Older American
During my recent credit check I have noticed a claim by a collection agency for {$1700.00} for unknown services which dropped my credit score by XXXX points. I sent a certified letter to this collection agency and the letter came back as undeliverable, and return to sender. The company in question is ARS ACCOUNT RESOLUTION or ACCOUNT RESOLUTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please find attached attachments regarding this correspondence.
11/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33415	Web
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments public records and student loan accounts removed. Many of these account lack addresses and account number so I am filling them as regular basic removals. Please apply these laws to my accounts the fair debt collection practices act law 111-203,title X 124 Stat. 2092(2010) fair credit reporting Act (FCRA) 15U.S.C 1681("FCRA") please removed all this thing on my credit report.
08/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33435	Web
This company is the absolute worst. I reached out to them to dispute this debt because I did not recognize this debt. They had no clue of what the alleged amount was or anything in that nature. How can they be allowed to report this information without sending me NO PROOF of the original creditor? Also, I know for a fact this company is nothing but a fraud because they could not answer any questions I had concerning the The Fair Debt Collection Practices Act.
06/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OK 731XX	Web	Servicemember
I'm a veteran who went to the XXXX for XXXX related issues that turned out to be none life threatening. The hospital took my information and never billed the VA. I got the VA in touch with the original creditor and they verified that the debt was fraudulent. XXXX is the only creditor left who cant seem to allow the truth and submitted documents from the VA stating my insured covered status as verification of fraud. All other creditors have removed the debt.
04/24/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	PA 19013	Web
I am a protected consumer submitting this complaint on the record before possibly taking legal action. I have not been provided proof of any documentation proving I have given consent to release my medical or personal information to this company. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies.
12/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32810	Web
I have made multiple attempts throughout XXXX and XX/XX/2021 to get in contact with this company after seeing their name on my credit report. The phone numbers take me to a line which always states that they are open, but then when it is transferring me to a representative, another prompt says they are closed. I do not have any verification of the ( 2 ) debts owed to this company and will not comply unless accurate verification is received from the creditor.
03/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
XXXX XXXX XXXX, I have requested from you and your alleged furnisher XXXX XXXX XXXX for documentation Proof of service my wet ink signature and you nor XXXX have furnished those documents I have asked for. a notice of fault is now presented to you, ten days to answer { AL } L the enclosed question, Not hearsay or copies actual documents my signature of service and the information of your company that I requested. The Hippa Violation need to be addressed also
09/06/2021	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	CT 06118	Web
i checked my credit report today and i found out that experian is attempting to report an invalid collections account on my credit report from ARS ACCOUNT RESOLUTION XXXX. account Number XXXX. this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report.
03/05/2020	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OK 743XX	Web
HRRG has been calling for the past couple weeks, 20-25 times a day. calling my work phone, calling my cell phone, calling a relatives phone. Sending voice text to my relatives phone. Sending voice text to my work phone. But have only sent one invoice to my house. XXXX XXXX XXXX has sent me invoices for the same debt, not sure who should be collecting. I have attached some of what we have received and labeled who received. Please help resolve the nightmare.
05/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08021	Web
This debt is for an emergency room visit for an infant that I was babysitting at the time he became ill. He is not my child, I have never had custody or guardianship over this child and this company continue to try and collect this debt from me. This account is impacting my credit score and my ability to obtain a mortgage loan and it is not mine. I have provided this company with the names of the child 's parents and they still associate me with this debt.
01/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08104	Web
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
04/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77089	Web
This will be my several attempts to get this issue solved i have asked XXXX to send validation of these debt they state i owed all they send it dates and amounts i have asked to send me orignal paper with my signature stating i signed these documents and have refused to to send how can you tell some one they owe money and there is no proof besides dates and amount ars is voilating my rights asking for validation once again please send me proper paper work
01/16/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 44102	Web
ARS supposedly a debt collector. No contact information is given. No information about debt originator provided. Just People asking for amounts of money that must be paid over the phone on the day and time of call. I do not plan on paying anyone over the phone so I have requested the information stated above and written statement of above with information to whom I may send a check to. Whoever no cooperation by supposedly debt collector has been provided.
01/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or gave permission for this to be reported.
01/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 081XX	Web
This complaint is regarding accounts. Per XXXX, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
04/19/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	GA 30038	Web
I called the compa ny ARS ( Account Recovery Services ) to validation of this debt that has been reported on my Credit Report several times. I spoke with t he agent who would not provide any information. He kept going around the question. I 'm not understanding what to do next this company is becoming a nightmare and its affecting my family to the point where I 'm unable to provide us with a place to call home. Please assist me with resolving this issue.
01/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web
This complaint is regarding accounts. Per XXXX, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or gave permission for this to be reported.
10/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 79936	Web	Servicemember
I have noticed this collection on my credit report on XX/XX/XXXX for {$980.00} reported to have been passed due since XXXX of XXXX. I checked with my insurance company and no such medical bill for that amount was presented on that month or previous months for this amount for any family member or myself. I have tried contacting the company but there is no answer at times set for this company as well never getting a letter of notice or proof of this debt.
04/08/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32746	Web
I have never received any notification, written nor verbal regarding any debt or amount still owed to XXXX Hospital. The only way I found out was when my credit was checked by an authorized company. The amount stated on my credit reports is {$110.00} owed from XX/XX/2018. I have attached the letter I sent to XXXX XXXX XXXX with a copy of my bank account entry from XX/XX/2018, showing I paid this on the date of my hospital visit. It was never past due.
01/21/2023	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 322XX	Web
On XXXX. XXXX, XXXX ARS ACCOUNT RESOLUTION opened a collection. Account -- {$1300.00} that I owe I have never signed any written document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureus. XXXX XXXX
04/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33323	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account or service at your company. I did not open or authorize this account or service, and I therefore request that it be closed immediately. I also request that ARS Account Resolution and XXXX XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
01/21/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85302	Web
This company is illegal reporting I've had 2 accounts in this office since XX/XX/XXXX ( medical ) and the debt was sold in XX/XX/XXXX ( confirmed by the other agency ) however BOTH AGENCIES are reporting the SAME DEBTS as an active and verified debt. I've called and left several messages on the " supervisor '' line and have yet to ever receive a return call. My next step is obtaining a lawyer and pursuing legally for the negative affects on my credit.
01/12/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL XXXXX	Web
I have deragatory marks on my credit report that I am disputing because they are false. The amount of debt they are claiming I owe is {$1100.00} I have paid and continued to pay the direct physicians office on these bills that have since been reported on my credit. I am NOT DELINQUENT. I have contacted them directly to get assistance in having this lifted off my credit report and I never am contacted back, and was hung up on when I explained the error.
10/01/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33009	Web
I continue to ask ARS TO PROVIDE THE FOLLOWING...... THEY NEVER SEND THE INFORMATION I'M ASKING FOR. FORWARD DETAILS ABOUT YOUR AUTHORITY TO COLLECT THIS DEBT WHETHER YOU ARE LICENSED IN MY STATE AND IF SO PROVIDE THE DATE OF THE LICENSE, NAME ON THE LICENSED NUMBER AND THE NAME ADDRESS AND TELEPHONE NUMBER OF THE STATE AGENCY ISSUING THE LICENSE IF YOU ARE CONTACTING ME FROM OUTSIDE MY STATE PROVIDE THE LICENSING INFORMATION FROM YOUR STATE AS WELL
08/19/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89108	Web
Received a letter on XX/XX/2020 from HRRG OFFERING {$630.00} TO CLEAR MY DEBT. HAD CALLED HRRG EARLIER IN THE DAY BEFORE RECEIVING THE LETTER AND SPOKE TO XXXX, OR XXXX AND SHE STATED THEY SENT A LETTER OFFERING US TO SETTLE FOR {$650.00}, ( WHICH I ACCEPTED AND PAID ) AND THEN I COME HOME AND THE LETTER STATES THE SETTLEMENT WAS FOR $ XXXX..SHE MISREPRESENTED THE COMPANY AND USE FALSE AND MISLEADING CLAIMS TO GET US TO PAY MORE THEN WHAT THEY OFFERED
10/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23464	Web	Servicemember
I sent a debt verification latter to Account Resolution Service twice. One in XXXX and the other one on XX/XX/XXXX. Each time the company have failed to validate my debt. Instead they send a list of my medical record which I know is a direct violation my HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
08/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33573	Web	Servicemember
I've disputed online via my XXXX credit monitoring service. I've also sent in writing via certified mail a request asking the form of verification in which I received no reply. I then I resent the letter plus I called and asked for method of verification and they still won't supply me with it, only stating the the creditor has verified it's being reported correctly. I did receive a letter from the collection stating the account is open, or documents.
04/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA XXXXX	Web
XXXX XXXX XXXX ( XXXX ) IS REPORTING AN UNPAID DEBT TO MY XXXX CREDIT REPORT. I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST AND THIS DEBT DOES NOT BELONG TO ME!!!! SEE ATTACHMENT TO REVIEW ALL DOCUMENTS PROVIDED. THEY REPEATEDLY STATED MY DEBT IS VERIFIED BECAUSE MY NAME, ADDRESS AND SOCIAL SECURITY NUMBER MATCHES THEIR SYSTEM. I'VE ASKED FOR SIGNED DOCUMENTS WITH MY SIGNATURE ON THEM, PROVING THE DEBT IS MINE AND THEY STILL FAILED TO DO SO.
02/23/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60193	Web
I paid this XXXX XXXX XXXX on XX/XX/, 2018 a medical debt which I had disputed. I felt like it was easier to just pay them. However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXX. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months.
10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32808	Web
{$94.00} XX/XX/2021 in accordance with the fair credit reporting act this creditor has violated my rights under 15 use 1681section 6 of 2 states I have the right to privacy15 use 1681section 6 o 4 a section 2it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
01/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33029	Web
on XX/XX/15 this account was taken out and reported on my credit file as derogatory information, a collection account in the amount of {$130.00} I have corresponded with this company to resolve this issue on several occasions with no avail to take care of this complaint that I have no knowledge this meets FCRA regulations per my attorney. this was a final attempt before law suit per my attorney. XXXX XXXX has already taken it of my consumer report
03/17/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI XXXXX	Web
XXXX sent me a letter with procedures and the amount charged {$900.00}. That is not validation nor verification. This debt is not mine also the validation they sent was a HIPPA violation to whom ever charges these are. I have no signed contract or knowledge of me having these procedures done ... XXXX and the original creditor XXXX XXXX are not licensed in the state of Michigan I want to include according to the state of Michigan Licensing website!
08/24/2021	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 Their investigation did not fix an error on your report	FL 33351	Web
I am filing this complaint because these companies have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
02/07/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33619	Web
The debt has been unverified by ARS Account Resolution. The collection was removed from my credit report over 5 times because this debt was unable to be verified. Now here we go again. A collection placed on my account by them. I want this collection removed immediately. This debt does not belong to me. Further more you do have any signed contract stating I must pay you and again this agency has failed to validate this debt on numerous instances.
04/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32726	Web
I have sent some debt validation letters and tried several times to dispute the debt to no update. T hey have sent me a list of my medical records which is a direct violation of HIPPA regulations that I am fully aware of. I have not signed nor given authorization of a HIPPA form to have granted them access to this information. Please delete all this information from my credit file and cease immediately all collection activities from this point.
12/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38104	Web
I have sent this company multiple letters asking for them to verify the debt was said I owed I have copies of my certified letters and my tracking numbers of them receiving the letters.They never verified the debt that they said I owed also they are not licensed to practiced in Tennessee multiple credit laws have been broken and also this company have messed up my credit and in the process I want to sue because of the damages tat have been done.
04/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77346	Web
The company reporting to my credit is ARS Account Resolutions. They are reporting three different amounts so therefore they are listed on all three of my credit reports three different times. I have tried to get the company to send me proof of the contract and debt. They have not done so. Im hoping by filing this complaint they will verify the debt or remove it from my credit reports. Im would like to buy a home a home for my family and I soon.
02/17/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OR 97266	Web
I received a phone call from XXXX stating they are attempting to collect a debt. They told me I have over {$10000.00} due to XXXX which was from an incident over 5 years ago that I had been told was resolved. The woman on the phone argued that I should check my credit report & then hung up on me. What I can I do to help get these people off my back? I live with chronic illness & the stress from their calls really gets to me & affects my health.
08/06/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web	Older American
The company has not provided ANY proof of debt and are harassing me threatening to hurt my credit, etc. They have not sent me original statements and I have sent them the letter that shows this has been paid by charity at the hospital. All I have is what i had before a list of numbers which mean nothing to me. They did adjust the amount but are still attempting to collect fraudulently. tHE LETTER FROM THE CHARITY HAS ALREADY BEEN SENT.
06/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32303	Web
The account was opened on XX/XX/2020. At the time I was noting live in XXXX XXXX and I never received any mail about paying of the debt had I received an letter in the mail I would have no problem playing it off as long as I had a description of what I was paying off and why however now it popped on my credit account effecting my approvals for apartments, Car loans, and etc. I have no idea who this company is and I never visited there office.
01/28/2017	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	MT 598XX	Web	Servicemember
Account Resolution Services has continued to harass me for someone else 's debt. From what they have told me they are trying to collect from XXXX. They keep calling me. I have told them numberous times to take my number off their list. They continue to change phone numbers and use VOIP. I tell them I am not XXXX and they say sure XXXX we will call back. My number is also registered to my XXXX. These calls need to stop or I will hire a lawyer.
08/24/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OK 73012	Web
I have XXXX of the exact same debts reporting on my credit report. Same account, Same amount owed, same debt agency, same date of service, same account number, etc. I did an online dispute and they came back verified, however they are the exact same debt and should not be on my credit report twice. You can see in the attachment that they are the exact same debts and they were " verified '' although they should not both be on my credit report.
10/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34982	Web
I have reach out to ARS Resolution/ XXXX XXXX and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of this account. My credit score has been affected. I am asking for this item to be removed from my credit report.
01/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WV 254XX	Web
DEBT WAS SETTLED BY ARS ON XX/XX/XXXX. REC 'D A LETTER CONFIRMING THIS. XXXX STILL IS REPORTING THIS AS AN ACTIVE, OPEN DEBT. REQUESTING INV BY XXXX - ON XX/XX/XXXX - THEY CONCLUDED IT WAS A VALID, ACTIVE DEBT!!! SPOKE W/ ARS XXXX XX/XX/XXXX - THEY SAID TO CONTACT XXXX XXXX WHICH I CAN NOT - AS IT'S STILL WITHIN THE XXXX LIMIT - THEY PUT ME THROUGH TO SUPERVISOR VM - THIS TRADE LINE SHOULD BE DELETED PER ARS FROM ALL CREDIT REPORTS.
10/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33914	Web	Servicemember
Tried to resolve this debt right after it was given to me. I am a XXXX Veteran and this debtor has not received payment from the Veterans Affairs for whatever reason. I gave the original debt collector the payment info but they continued to reach out to me. Now a US Appeals Judge has ruled in XXXX XXXX XXXX that the VA is indeed responsible for these debts at NON-VA emergency rooms etc. This debt collector needs to take this up with the VA.
08/15/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	KY 42104	Web
I keep receiving calls from a company called HRRG and they ask me to verify my identity to continue the call. I tell them I 'm not giving that info out to a company I 'm not familiar with. They keep calling and telling me that I owe a number different than the medical provider that claims by insurance did n't cover their er visit. They 're somewhat rude and they hang up on me. I 've asked them repeatedly to stop calling me and it continues.
08/10/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 31021	Web
I found an entry on my credit report from ARS, a collection agency. I disputed with the credit bureaus and recently requested a validation of debt. The letter I received in the mail as validation of debt is not adequate as it does not give a place of service, service provided, or who the service was given to. It only has a date of service and an amount. I do not believe this account belongs to me and they have failed to prove that it does.
06/06/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AR XXXXX	Web
So for a while now ive been getting calls from this number and it always leaves the same voice mail '' this is HRRG and we would like to speak to you, you can call us at XXXX XXXX and XXXX and you can speak to XXXX or any associate XXXX so i looked up this company and i see its gotten complaints about harrassing calls etc and they constantly call me and leave voice mails and i do not have any outstanding medical debts. It really annoying!
08/29/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TN 377XX	Web
They are calling my number several times per day. asking for personal, private identifying information, wont tell me what the debt supposedly is or the amount. Ask them to stop calling my phone and send any correspondence via certified mail. just asked them once again to stop calling on XXXX2018 XXXX XXXX eastern time. this is the 3rd time ive asked them with no compliance on their part. Ive received nothing in the mail from this company.
02/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33169	Web
.What address were the Validation notices mailed to? What is the address for for legal department? What information was verified between you and your client? Can you forward me that correspondence to my mailing address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. I have never received letters nor heard of you or you client prior to the inaccurate reporting and every time I've called the company it was standard evasion tactics used..
10/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34997	Web
I have disputed repeatedly a collection for medical services that are NOT MINE. The collection agency keeps responding stating it is mine, their letter dated XX/XX/XXXX. I sent a certified letter dated XX/XX/XXXX, return receipt received, asking for written verification proving this service was approved and rendered to me. They replied with a generic letter simply stating the charge was not mine refusing to provide the proof I demanded.
02/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34787	Web
from XX/XX/14 i had a XXXXXXXX XXXX and XXXX from there i was unable to work and lost everything. There are multiple accounts from this day forward basically all medical with XXXX The hospitals took care of my bills through community care and charity as I was sick multiple times after. I do not have the funds to pay these amounts and would ask that they be reconsidered or removed based on financial status, sickness and inability to pay.
08/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33415	Web
For the past 4 years I have been dealing with collection accounts from XXXX in my credit report. XXXX XXXX XXXX Fail to investigate the accuracy and say there verified and continue to reinsert unverifiable data. Amounts are {$1500.00} {$710.00} {$1700.00} {$1100.00} {$1700.00} {$790.00} {$1400.00} {$1100.00} Disputed on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Accounts were removed numerous times and re inserted to credit profile.
02/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OK 748XX	Web
I was a victim of Identity theft and someone used my information at an ER in XXXX XXXX Oklahoma. I got in touch with the hospital and the person showed no ID and left against medical advice. I have provided all information requested by XXXX to have this removed as Fraud and requested a follow up of the removal over 30 days ago with no response, I would like this removed as it has a negative effect on my credit and is not a valid debt
03/16/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33511	Web
I have been attempting to verify this debt ( XXXX XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and have not had any luck with a XXXX letter or verification. They only respond back that it's been verified instead of providing proof of how its been verified. I have been disputing to the credit bureaus as well ( XXXX XXXX XXXX ), that have this debt listed but not XXXX because they don't have it listed as it was removed.
09/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32818	Web
I am writing today to notify the CFPB about an issue that is related to Identity theft. I have notified the collection company, and they have failed to comply with my request. Im now in the process of filing a lawsuit against the offending company. I have all supporting documentation, and will upload the police report as well. Please take all necessary steps to have this information removed permanently, and notify me of all findings.
09/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43068	Web
XXXX XXXX XXXX XXXX XXXX billed me {$1500.00} on XX/XX/XXXX and {$240.00} on XX/XX/XXXX. On both dates I had Medicaid, I contacted them and the collection company ARS. I sent them both a 1095b showing coverage from Medicaid. I asked for it to be removed immediately because it is affecting my credit score and keeping me from renting a home. Medicaid has reached out to them asked them to submit a claim to be paid and they have not.
04/07/2021	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 33020	Web
this company is reporting to all three credit bureaus ( XXXX XXXX XXXX XXXX ) on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
03/30/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 08401	Web
Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting witch are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. XX/XX/2021 Accounts are being reported with one Bureau and not the other two under date last active. If this is the same account being reported by the same creditor why is the information missing?
11/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32738	Web
This company sent me a letter saying I owe a debt after already placing it on my credit report. I have no knowledge of this debt. The letter they sent me only shows XXXX XXXX XXXX for {$530.00}. I have no idea what this bill is for I have no knowledge of it. This is not my debt. My signature was not provided to me as requested. This company failed to provide me proof This is my debt. I have no contract or business with This company
04/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30328	Web	Servicemember
I Have contacted ARS for Acct # XXXX I have contacted this company by phone and sent several dispute letters with this company who is reporting to all three credit bureaus and it is negatively damaging and affecting me from obtaining credit. I have no agreement or contract with this company. By law i would need to see any contracts that was signed with my signature and ARS has not provided me with any of the information requested.
06/03/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	FL 33056	Web
I sent multiple good will letters and disputed the items with the bureau and no one would help me. I called multiple times on different occasions and I still have received no help. Normally there are extremely long wait times when calling to speak with a representative and sometimes the representative doesnt want to hear you out fully and i dont agree with this process. Im very upset that I still havent gotten this issue resolved.
09/13/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33027	Web	Older American
For the past two years I have been requesting copies of the services that was rendered by their client. All I can get is a letter showing account numbers, balance due, name of creditor. Neither creditor or debt collector can show or give a statement of what services that was rendered. ARS keeps on tell me that I owe the so I have to pay it. Please see the attached copies. This information was reported to all three credit agencies.
08/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30168	Web
I have reported to the credit bureaus, ARS and this is my second complaint through Consumer Financial Protection Bureau. ARS refuses to validate the debt they say I owe. According to section 809. ( B ) of the Fair Debt Collection Practices act. They never send any copies of proof of this debt or how it is mine. ARS continues to send me a letter with amounts and dates with no judgement, contract or physical proof of this debt.
03/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 190XX	Web
ARS sent me a letter with a list of debts that are not mine. I wrote a letter back asking them to validate the debt under FDCP Act including all medical expenses and contract and signature and I believe this is a violation of the HIPPA Act. I have not released any information of releasing any personal medical information. ARS is reporting to my XXXX and XXXX reports and it is causing me financial harm. I would like it removed.
12/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OR 97123	Web
I had to attend XXXX XXXX in Florida when I only had XXXX XXXX insurance so I had to go to the XXXX XXXX to be covered. The visit should have been covered by insurance and wasnt XXXX XXXX still billed me. I ended up paying it and I have a letter with proof of payment. This collection company will not remove it and then Insists I still havent paid the bill. This should be covered by the surprise bill act. But it is paid in full.
06/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32208	Web
In accordance with the Fair credit reporting act XXXX account # XXXX ARS Account Resolution 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 It is listed on my credit report 2 times and for the following 2 different amounts. {$1300.00} & {$370.00}
06/26/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77429	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!
05/13/2015	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	AZ 85326	Web
ARS received a request for debt validation and to cease communications by phone on XXXX XXXX 2015, I have a copy of the signed receipt of the letter. XXXX XXXX XXXX 2015 they began to attempt phone communication again and still have n't validated the debt. Per the Fair Credit Reporting Act they are not to be attempting phone contact since 1 ) the validation still had n't been given and 2 ) they received a written cease letter.
02/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 43224	Web
I have had both the original creditor, XXXX XXXX XXXX XXXX XXXX, and now a medical debt collection agency, HRRG, contact me regarding debt owed on a medical procedure from XX/XX/2021. I have reached out to my health insurance, XXXX XXXX XXXX XXXX XXXX Illinois, which states that they were billed, and I should owe nothing. The amount owed was written off under contract with my insurance company, and I shouldn't owe anything.
04/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OH 448XX	Web
ARS ACCOUNT RESOLUTION S, will not remove my collections from the report, The collection is a false claim, I have called and shown proof to the company that my daughter had Medicaid at the time of the emergency visit. They continue to report that I owe a debt i do not owe under federal law. {$850.00} XX/XX/2016 date of services, after 3 years it appeared on my credit report, no billing or communication of any kind occurred.
05/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 601XX	Web	Servicemember
i have requested XXXX company to produce any legal document that has my name instead they keep sending a statement with a third party name and reporting it on my XXXX XXXX Report and after numerous attempts and letters I only get a statement with a third party name and nothing Im requesting from them if XXXX can not produce any legal papers with my legal name with my signature they must remove this item from my reports ASAP
02/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32712	Web	Servicemember
Ars account resolution s .... People keep adding accounts to my credit as fast as I dispute them for different dates and amounts everytime I get one removed another one pops up I contacted the company by phone to get them to send me anything by mail, they agree but never do. I'm at a loss because even when it gets removed it still hurt my numbers. I've gotten so many deleted from the same company that I can't do any more.
04/12/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 212XX	Web
To the best of my knowledge I have no contractual obligation with this company. I do n't know where this company has come from. I sent a request for them to provide me documentation and proof of this account as its my right to do so. However they fail to provide me any information. They continually just sends me a statement. I contacted the credit bureaus and they have failed to respond and or provide proper documentation.
03/29/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 45417	Web
This company ARS is continuing to add and take away a debt that does n't belong to me. I received 3 letters from them on XX/XX/2016 saying they were removing these accounts. These accounts are not even mine. They just sent me another so-called validation of the debt and took off the name of the original person that owes it. This is damaging my credit and preventing me from being able to obtain credit with my credit union.
03/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30168	Web
This company has not provided verification of this debt. I previously reported this account through Consumer Financial Protection Bureau and they remove the account from my credit report. This month they re-reported the same account. I also have a collection bill from another company XXXX XXXX XXXX trying to collect the same debt. They are falsely trying to collect this debt and re-selling it. I do not owe this amount
10/25/2022	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	FL 34759	Web
I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
06/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32208	Web
In accordance with the Fair Credit Reporting Act XXXX, ARS Account Resolutions 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. This account is listed on my credit in the amount of {$1300.00}. The original creditor listed is XXXX XXXX XXXX.
09/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19134	Web
XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX to remove incorrect information off my credit report. More importantly, XXXX are in violation of FACTA section 623 ( A ) ( 7 ).
09/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	PA 19134	Web
XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX to remove incorrect information off my credit report. More importantly, XXXX are in violation of FACTA section 623 ( A ) ( 7 ).
02/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33169	Web
This company continues to report accounts to my credit profile. They are aware that i XXXX XXXX and want me to send over a P.O.A. That is not mandated by the FDCPA nor Debt collection laws in the state of Florida. Please Validate any and all account pertained to me in your office and send firm proof of the alleged debt. Account Reference : XXXX. this is the only reference number i have but they are reporting three.
09/24/2021	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 Their investigation did not fix an error on your report	OK 73132	Web
The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
07/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33020	Web
Account Resolution Services has XXXX medical accounts in collection that are reporting on my credit report. I do not believe that these account are mine and requested validation of these all XXXX medical bills. Account Resolution Services has failed to provide me proof that these medical bills are mine. I want to see my signature that I was at a hospital and I want to see where I signed a HIPPA agreement. Thank you
03/17/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 148XX	Web
I have received repeated calls looking for someone l. I answered after repeated calls and told him to please remove my number and stop calling I am not the person they are trying to contact. Before I could breathe another word he said, you could at least say thank you. I said, it paused I was going to. He said, youre being hostile and rude. Very unprofessional and rude especially calling a wrong number, repeatedly.
06/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34746	Web
In reference of complaint # XXXX. I found the receipt letter this collection company sent me back in XX/XX/2022 indicating that they informed XXXX, XXXX and XXXX to delete this account ( attached ). Obviously they have failed to. They still reporting this account and their stall tactic is that they are not able to find the account in their file. How come you can find the account to report it in my consumer report?
11/28/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OH 453XX	Web
i paid {$220.00} in credit cards. and {$50.00} more by check. i sent them a question regard who owed what and how much. i also received a bill from another company for less than what was owed. since i sent the question to them i have not heard from them. i think they were caught in the act. they said my account owed {$0.00} and my husband account was " inactive ''. is there a way i can have what i have paid back?
11/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 080XX	Web
I initiated contact with Account Resolution Services in XX/XX/2021 to verify and validate a debt reported on my credit report. They sent a generic letter stating debt was mine. I sent written request for verification of debt and they continued to send same letter over until approximately XX/XX/2021 and then they stopped responding to my letters. In the meantime they continued to report the debt on my credit report
12/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32826	Web	Servicemember
On XX/XX/XXXX i visited the emergency room XXXX XXXX in XXXX for severe XXXX pain. I was diagnosed and given medication. The billing representative came to tell me how much I would owe, and said I would get a discount of about XXXX dollars if I paid right then and there. I agreed and paid. Months later after getting no notice or mail I start getting phone calls everyday from a debt collector for said XXXX dollars.
05/14/2017	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33446	Web
Please see : Complaint # XXXX placed to cfpb on XXXX /2017.. At this time I have n't received any status on this Complaint. As of last week, it stilled showed in " Collections '' on my XXXX report. I contacted bo th ARS and XXXX by phone. They seem to just point the finge r at one anot her with no results to remove this error from my report. This error has hurt me in trying to get a Home Equity Loan.
07/14/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	CA 93536	Web
Received a call on XX/XX/2020 @ XXXX pacific standard time. Annoying robocalls midday during work hours. Leaves message on phone with only few words left saying go to our website XXXX. Message doesn't disclose how to pay or pin number ( which is apparently required ). Never received any mail or such stating I owed any debt. I received one other call at roughly the same time on another day some time ago as well.
02/28/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33161	Web
I checked my credit reports and saw that ARS was reporting an alleged debt on my report. On XX/XX/2022, I mailed them a Certified letter to the company, however, they completely ignored my request for them to validate this alleged debt that they are reporting on my credit report. They never mailed me a dunning letter, ignored my request to legally validate this alleged debt, and continue to mess up my good name.
01/07/2017	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	FL 33025	Web
I spoke to XXXX from ARS requested I fax copy of benefits from XXXX for XXXX to XXXX called XXXX ( spoke to XXXX ref # XXXX XXXX/XXXXXX/XX/XXXX XXXX indicated did n't owe it was covered under the urgent care copay. Called ARS gave marys contact info. Also did a XXXX way. ARS said they would Look into it. Never updated me and never called be back to let me know a status update. name company never resolved issue.
01/10/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63640	Web
HRRG called to collect a medical debt. Caller ID shows XXXX XXXX. Not sure if this counts as impersonating an attorney, but I was under the impression that someone that may be one or at least a paralegal was attempting to contact me for some reason. The person on the phone did state their name and that they were from HRRG, and were quite clear that they are a Debt Collection agency calling about a medical debt.
06/12/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33015	Web
I never have been to inphynet XXXX XXXX XXXX or any of its doctors in my life and I apparently owe them XXXX dollars I try to contact them and it is impossible no contact info. I googled them and most of their reviews say they have been scammed by them and are getting a report from their credit despite never receiving a letter email or any correspondence. I would like this removed off my credit report thank you
03/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33169	Web
I paid this debt with XXXX account resolution years ago and they are still reporting as unpaid on my XXXX credit report. I disputed through XXXX months ago and I even called the collection agency. Still no resolution and it is seriously affecting my credit. I owed {$1300.00}, {$640.00}, {$600.00}, and {$930.00} between XX/XX/XXXX-XX/XX/XXXX. I paid directly through the original creditor which was XXXX college.
08/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78727	Web
Hello, I sent a letter regarding the below referenced accounts over 30 days ago on XX/XX/2022 via certified mail. I have not received any bill or proof stating that I owe these accounts. The companies listed below have not sent me anything regarding these errors in billing and reporting on my credit file. Please have these INACCURATE accounts deleted ASAP. XXXX XXXX XXXX XXXX ARS ACCOUNT RESOLUTION {$960.00}
12/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 349XX	Web
I keep on receiving notices for a debt collection company called ARS, Stating that I owe {$1500.00} from a company I have never been associated with, it states that the original creditor XXXX XXXX. I never dealt with that company or owed them money. I spoke to ARS, I told them this has to be a result of identity theft, and they still trying to collect this debt and threatening to report it on my credit report.
03/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32246	Web
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. This debt was paid by my Health Insurance Company after it was sold to collector. The Original Creditor was paid by Health Insurance company.
03/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
XXXX collection account added to credit report XX/XX/XXXX balance : XXXX $ XXXX collection accounts added to credit report XX/XX/XXXX balance : XXXX $ XXXX XXXX account added to credit report XX/XX/XXXX balance : XXXX $ I Disputed These accounts XX/XX/XXXX with the creditors and they responded stating that the debt was valid but offered no proof of ownership to me and refused to remove it from my credit files.
07/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 799XX	Web
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. i demand these account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted and may have got into the hands of the wrong person. Account No : XXXX Amount Disputed : {$550.00}
10/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 367XX	Web
I HAVE DISPUTED THAT THIS ACCOUNT IS NOT MINE & NEED TO BE REMOVED FROM MY CREDIT REPORT. IT BELONGS TO MY SON. ALSO, HIS INSURANCE INFORMATION WAS GIVEN AT TIME OF SERVICE WHICH WAS AND STILL IS FULL MEDICAID. ALSO, THERE ARE 3 ACCOUNTS REPORTING FOR THE EXACT SAME AMOUNT. THIS IS REPORTING NEGATIVELY ON ALL 3 CREDIT BUREAU REPORTS FOR ME AND IT'S NOT FAIR. THIS IS NOT A DEBT AND I AM NOT RESPONSIBLE FOR IT.
05/24/2022	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	NJ 07508	Web
Today XX/XX/2021 I recived a call from a collector i answers and told them that the debt is not correct due to I do not have any copay or out of network balance she was berry nasty and told me that I do not know what I am talking about and that will be in my credit and I dont worry about my credit after repeating my self that the bill is wrong she still continue to act in a bad manner and yelling and hang up
11/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 601XX	Web
ARS is reporting {$1000.00} in collections to my credit report. I disputed the account because I have health insurance. They verified the XXXX to the credit bureau. When I sent them a letter asking for the medical registration sheet for that balance since I always provide my insurance to my doctors. AS replied that they verified the account. However, they did not send me anything related to what I requested.
10/22/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60409	Web
I desperately need some help with resolving the situation st hand. I disputed these unknown accounts to the collection 's agency also the credit bureaus both are willfully of disobeying the law by currently reporting incorrect, and misleading information after several attempts, i received only verification of balances nothing was 100 % validate therefore im requesting that the CFPB enforces my rights by law.
05/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60016	Web
On XX/XX/2018, submitted a request to reporting credit bureaus to verify that I owed XXXX XXXX XXXX for a medical bill. 40 days later, I received a bill stating to make payments payable to XXXX with dates of service but no paperwork with my signature stating that I owe them the debt. The original creditor was XXXX XXXX XXXX. I need to receive paperwork, with my signature, that states I owe XXXX Collection.
04/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33009	Web
XXXX Mail letter to ARS Account Resolution Services asking for Original Documents baring my signature to release personal information. Company can't verify inaccurate information, but still reported to all three credit XXXX, XXXX XXXX, XXXX. XXXX has it on my credit report without Original documents baring my signature to release person information to ARS Account Resolution Services. This braking HIPPA LAW
03/10/2022	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 07601	Web
ARS collections has been harassing me via mail and phone calls saying I owe them {$1400.00} and I have asked them to validate the debt on many occasions which they have not done. So I called the medical billing center to get a physical copy of the bill and come to find out the actual bill is {$600.00}. This bill is affecting my credit in a negative way and my living situation and they refuse to rectify it.
07/28/2022	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 70805	Web
A certified letter was sent to ARS ACCOUNT RESOLUTION on XXXX ( United States XXXX XXXX display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX XXXX XXXX XXXX XXXX ) displaying their Violations of Fair Credit Reporting Acts. ARS ACCOUNT RESOLUTION has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX.
04/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 339XX	Web
XXXX XXXX XXXX XXXX its reporting to the credit bureau a medical bill that does not belongs to me. I have requested validation of the item requested via phone after several attempts to disputing the collection directly with the credit bureau. I requested the company via phone to send me my confidential medical records with my writing release, no answer what so ever clearly violating my rights under HIPAA.
03/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72758	Web
The company is ARS Solutions for some reason they are trying to collect a medical debt from some place called XXXX XXXX XXXX which is apparently located in Tennessee for the XXXX but I've never been to any of those places so can somebody tell me how I have a past due balance and why it's on my collections under my credit report and I've tried to speeding it in contacting them and it's getting me nowhere
04/27/2015	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	AZ 85207	Web
This took place in 2010 when I first moved to Arizona. I was playing with stepsister at pizza party climbing in XXXX gym and broke a few ribs. The emergency room Dr. never informed me I guess he did not except my insurance. So they could n't get money from me the XXXX time around when it was XXXX they sell it to another collection place and they want XXXX I live on a fixed income XXXX mo. how can I pay
03/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33021	Web
XXXX VERIFIED WITH THAT A DEBT BELONGED TO ME. I REQUESTED THAT THE BUREAUS PROVIDE VERIFICATION OF THE PHYSICAL DOCUMENTS USED TO VERIFY THAT THE DEBT BELONGED TO ME. AFTER NO RESPONSE I CONTACTED XXXX DIRECTLY AND REQUESTED THAT THEY VALIDATE THE DEBT. AS OF DATE I HAVE RECEIVED NO RESPONSE FROM XXXX. THIS COMPANY NEVER INITIALLY NOTIFIED ME OF THE DEBT PRIOR TO IT BEING REPORTED ON MY CREDIT REPORT
01/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33023	Web
NOTICE this is a FINAL Warning to stop your deceptive and abusive practices. You have violated my right to privacy as a consumer and FRAUDULENTLY access my nonpublic personal information without lawful authority or my written consent. Remove or delete this account from ALL consumer reporting agencies and your data base or records immediately. Name of FRADULENT account- ACCOUNT RESOLUTION SERVICES.
11/15/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33029	Web
This company has recreated accounts for a medical debt that should not be on my credit report. They did this previously. I challenged such it was taken off. They have found a way to RE-AGE this bill and place it again on my credit report. I will be taking this to the state attorney office for further follow up. I will need a detail account of this bill to see what is owing and who this belongs to.
05/26/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30168	Web
I am not aware of an account listed by ARS Account Resolutions to my credit report. ARS ACCOUNT RESOLUTIONS has reported XXXX as a collection balance I am requestion debt validation. Please provide a copy of the contract of this account, Proof that you are legally approved to collect on this account and The account balance details to me as required by the FCRA within the 30 day required time line
08/03/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34652	Web	Servicemember
Been threatened multiple times of lawsuits. Challenged multiple times the debt for accuracy never received any kind of documentation stating that these debts are mine. Try to make a deal with one of the companies followed my end of the bargain they did not follow theirs. Even the ones that resulted in the deletion on my credit somehow reappear. These companies are definitely violating the rules.
08/02/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account, however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.
08/01/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 278XX	Web
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account, however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.
11/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32738	Web
I asked for verification of the information that XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2014. However I have yet to receive a copy of an Agreement that I signed.
06/22/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 32246	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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
06/04/2019	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70815	Web
HRRG called my wife 's phone threating to hurt her credit. When I was on the phone with the lady I asked for Verification before proceeding with any communication. The Lady told me that she is not sending any more letter which is a violation. This company is harassing without proper verification. Without any verification any attempts to place any negative item on my wife credit is a violation.
05/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77084	Web
A collec tion agency Account Resolution Services is reporting information to all the credit reporting agencies ( XXXX XXXX XXXX ) regarding collection accounts that they are not license nor bonded to collect nor report on according to the secretary of state website.. I have contacted the agency and requested that they stop reporting information that they are legally not able to do so.
07/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33025	Web
I have disputed XXXX collection accounts from ARS collections company. I received notification that it has been removed from my credit report. A week later it was placed back on my credit report without notification from the credit bureaus or the collection company. I have written letters to the collection company asking to validate the debts and they still are unable to provide me with proof.
05/10/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33610	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!
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!
05/08/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33612	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!
03/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33055	Web
I just realized that I had this debt on my credit file, never receive any kind of letter trying to collect or dispute the debt called the company and there were unable to offer me enough information in order to verify the debt, still got into an agreement to pay it, they told me it would be removed withing 15 days of my credit report, and my credit report still showing the collection charge.
03/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ XXXXX	Web
I have contacted XXXX several times requesting the information they are reporring on my credit report. They have refused to provide this information. I was receiving state health insurance at the time and the charges were paid for by the insurance company. This is why I want to see what was not covered and they refuse to provide this information. The company is extremely rude when you call
10/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 183XX	Web
I kept receiving letters of collection for this debt. They put it on my credit report and I was denied credit. I wrote to them, stating I was living in North Carolina at the time, in addition I never took an ambulance. I asked for proof of service, did not receive. I wrote three more times and all they do is send the collection notice, in the amount of {$1900.00}. I have copies of letters.
09/26/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 13502	Web
I sent a letter to XXXX asking for the original bill from the original debt collector for the debt they are trying to collect and I never received it. I can not verify it is my debt without the original bill from the original creditor. They sent a generic letter in response to my letter stating they verified with the original creditor that it is my bill. But I have no proof that they did.
12/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30038	Web
I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.
12/13/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85710	Web
According to Arizona Department of Financial Institutions, XXXX XXXX XXXX XXXXXXXX does not have a valid license to collect in the state of Arizona. I am disputing these accounts. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that XXXX XXXX XXXX XXXXXXXX is allowed to collect debts in Arizona.
10/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33029	Web
I CHECKED MY CREDIT REPORT AND IT SHOWED 5 FRADULENT ACCOUNT FROM ARS ACCOUNT RESOLUTION THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX I EVER BEEN THERE DONT DO BUSINESS WITH THE I EVER GAVE EVERYONE CONSENT TO USE MY NAME AT ANY OF THESE COMPANIES. I HAVE ATTACHED MY POLICE REPORT. THE OTHER FRAUDULENT ACCOUNTS ARE ( XXXX XXXX, XXXX XXXX, XXXX, ) THAT WAS REPORT TO ALL 3 CREDIT BUREAUS.
08/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33409	Web
This medical debt has been on my credit for quite some time. I have disputed this with the credit bureaus and XXXX has claimed that the company has, " met the requirements of the FCRA ''. I have never used this company, nor have I given them any personal information such as my SSN. This company claimed I used their services in Florida, when in fact I was living in Colorado at the time.
04/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32807	Web
this company is reporting to XXXX on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
10/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32703	Web
I have been trying to delete and explain my case to the credit bureau for a while there trying to make me pay for a bill that was paid by XXXX and have placed it on my credit and when I try get information on this account they are very rude and tell me that XXXX paid the hospital and not them when I went to the hospital Im not understanding this at all in everybody I contact is no help.
09/25/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 150XX	Web	Older American
It must be collection season again. This is not my debt, nor is there any reason for this company to be calling me. It just happens that I share the same surname as the party they are seeking. To be even more annoying this company is calling my cell phone. I would like to know how they got my cell number and why they are calling me. I am on the Federal and Pennsylvania Do Not Call List.
06/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77375	Web
I visited XXXX XXXX XXXX ER. I was sent to collection by the physician group XXXX XXXX XXXX XXXX to XXXX in XXXX fl. My healthcare insurance paid this physician group yet they are still billing me. I have mailed letters to both the collection co and the physician group and received no accountability or detail of the debt yet they list it as disputed and verified on my credit reports
09/22/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	NC 27705	Web
ARS. are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. ARS are using obscene and profane language as well as defaming my character with this alleged debt. I am enforcing my rights, for the damages caused by ARS pursuant to 15 USC 1692k civil liability.
03/24/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AZ 85029	Web
This debt is not mine. I spoke to the billing department and I do n't owe anything. Never been to this hospital. There is no medical record of the date and service that the collection is for. I never lived in the address that the collection has on file. This collection is invalid or another person did it not me. I have medical insurance there is no way I would a have a bill like this.
01/04/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 19143	Web
In XXXX 2015 i accessed my free credit report and noticed a Medical bill. I have disputed the bill every mmonth since then 4 times. XXXX and XXXX removed the innaccurate collection. XXXX is still reporting that i have a collection. I have called Account Resolution Services multiple times and asked them to validate the debt and provide more information which they have not done to date.
12/30/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 95403	Web
Letter received from HRRG Collections. I called to inquire about the debt and they collected last XXXX digits of SSN and asked for my date of birth, which I would not provide and hung up. Attempted to send inquiry via XXXX and web inquiry failed. I searched online to identify the original debt and there is no authentic result. I have no record of an appointment on the date of service.
07/13/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77096	Web
I not disputing I owe these debts but I do see where they take the same visit and report it twice saying I owe for the same visits especially when there is also insurance showing of some of these payments they are reporting double an almost caused me my employment they have been doing this for the last 8 years so debts are passed the expiration of goin away please review Ars national
03/09/2022	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77449	Web
Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.
10/27/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45011	Web
ARS account resolution reported {$1200.00} balance on my credit report, dispute was filed yr 2021 on XX/XX/21 updates balance {$1200.00} Im requesting this debt collector to validate by original contract, signature and dollar amount change including personal information. Dispute with credit bureaus or by mail have not validated debt with documents of my signature or specifics of debt
02/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 336XX	Web
They have doubled the amount by filing it twice for one second this was to be filed on my insurance and was given instructions as to how to file being it was state medically needy insurance they refused to do so saying I had to pay it and get reimbursed from my insurance and that is n't how that insurance works so they need to file it with the insurance and remove this from my report
11/24/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 13501	Web
I had a medical debt collection from ARS in the amount of XXXX on my credit report. This debt was not mine snd on my XXXX XXXX they told me if I paid it, my credit score would XXXX XXXX up by 21 points. I disputed it and my credit did not go up as they were incorrect posting this charge against me. Im trying to purchase a vehicle and I have 155 on time payments! This is not right!
04/14/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28117	Web
A women called me from this company threatened me regarding this collection and was very rude and nasty to me wouldn't give me any information on what was owed or why and told me if u didn't pay it the would seize my paychecks and go after my family for it if it wasn't paid. Medical should never be on a credit report nor should I be threatened to make a payment this is outrageous.
08/03/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33610	Web
I have been awaiting debt validation from this company since XXXX 2014. I sent them a debt validation letter on XXXX/XXXX/14, however to date I have yet to receive any documents from them. I have sent a failure to validate debt letter to them too and still no response. The illegal thing is that they continue to report to my credit reports monthly since I have requested validation.
04/16/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77477	Web
Hi, My name is XXXX XXXX. ARS Account Resolution has contacted many times. I advised this company via phone to cease and desist last year XX/XX/2021. I even mailed a letter following that on XX/XX/2021. I do not owe this alleged debt. I have requested for this company to provide proof of such debt and they have failed to do so. I demand that this removed from my credit profile.
08/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78653	Web
ARS was asked to validate each account on attached documents. I am not aware of their client nor the debt they claim to be mine.After making four attempts for debt to be validated, ARS continues to send me a template with account numbers and services I am not aware of. I need proof of validation, I have rights. The accounts are damaging my credit and I need all accounts DELETED.
05/01/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33023	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.
04/26/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33610	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.
05/04/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33137	Web
I am a victim of identity theft I notified both the collection agency and credit bureaus and the account keeps popping up on my credit report I sent out multiple letters requesting the removal no one has gotten back to me about this it's been over 4 months now. The credit bureaus keep validating a debt that is fraudulent on my credit report with another name not belonging to Me
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43201	Web
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -ARS # XXXX
10/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 077XX	Web
medical debt in the amount of XXXX $ was paid for with promise of removal by ARS Account Resolution Services, XXXX XXXX XXXXXXXX XXXX, FL XXXX Payment Mailing Address : Account Resolution Services, XXXX XXXX XXXX, XXXX, OH XXXX Toll Free Phone : ( XXXX ) XXXX or ( XXXX ) XXXX XXXX has removed it immediately, XXXX and XXXX has NOT. this is effecting my my credit dramatically!
04/02/2022	No	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77551	Web
I received my consumer report in XXXX of XXXX and noticed inaccurate and falsified information reported by the company, Account XXXX XXXX XXXX, ARS. As a result, on XX/XX/XXXX, I informed the company by mail that the information being report was incorrect, with no avail. I reached out multiple times after XX/XX/XXXX, on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
08/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32778	Web	Older American, Servicemember
Bill was co-pay to a doctor in XXXX XXXX XXXX. It was paid 0n XXXX. Ihave copy of check, front and back. Paid thru bill pay. Talked with head of consumer relations at XXXX XXXX XXXX. He confirms I owe nothing. HRRG continues to send statements and leave messages on voice mail. This bill was for {$30.00}. XXXX XXXX confirms they do not use HRRG and described this as a scam.
02/13/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 328XX	Web
I have tried to dispute with the collection agency as well as with the credit bureau for years and no success.Continue to receive a response that i'm responsible for the debit. I'm not responsible for this debit and never went to the hospital for the dates their stating. It's very upsetting and frustating that i'm being penalized for something that i'm NOT RESPONSIBLE FOR.
12/22/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WV 25801	Web
On XX/XX/XXXX, 2017 I sent XXXX XXXX XXXX a debt validation letter that they have ignored. It is my right per the FDCPA to ask for certain proof of documents and they have not, because they CAN NOT. I then sent them a HIPPA letter, and they have removed one of the three accounts. They are violating my rights under the FDCPA because they are refusing to validate these bills!
02/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33837	Web
Ive got a letter in the mail stating they are trying to collect a {$1600.00} debt from a hospital visit I had on XXXX/XXXX/20 at the XXXX XXXX XXXX XXXX when at that time I had XXXX and had full coverage. Ive been threatened with it being sent to my credit score. Im XXXX XXXX XXXX and am looking to buy a house. I wouldnt want a debt sent to my credit that isnt mine to pay.
10/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32738	Web
They are failing to validate the information in which they are trying to collect on. I have been trying for several months to receive validation of this collection of which they are saying is mine but all they send back to me Is a letter stating as I already know they collect for and it has an account number and amounts which isnt validation! Please help with this company!
03/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77041	Web
XXXX XXXX XXXX XXXX is on my credit report 3 different times for the following amounts. {$310.00}, {$280.00} & {$280.00}. I do not owe this company and have no signed contract with them. They are also not licenced to collect in the state of Texas. No debt validations has been provided to me. I asked that this get removed from my credit report as it is not my debt. Thanks
03/27/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32811	Web
This company can not validate this debt owed. They failed to tell me what items I purchased or services that were given to substantiate that I owe any amount. ( XXXX ) I did not authorize them to have any medical records regarding my visits and treatments including hospital bills without having my consent. This violates Hippa which protects us with this method of privacy
05/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77356	Web
I contacted ARS and spoke with their representative XXXX XXXX on XX/XX/2020. XXXX agreed to accept {$200.00} as a payment in full in exchange to delete all trade lines from my credit report. Payment was made at the time of the call, and the phone call was recorded by ARS and myself. As of today, the account shows the payment, a remaining balance, and has not been deleted.
04/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 27801	Web
ARS ACCOUNT RESOLUTION COLLECTION REPORTED ON XXXX ASSIGNED XXXX CREDITIOR CLASS MEDICAL/HEALTHCARE CLIENT XXXX XXXX XXXX {$940.00} STATUES OF XXXX UNPAID DELINQUENCY XXXX ARS ACCOUNT RESOLUTION COLLECTION REPORTED ON XXXX ASSIGNED XXXX CREDITIOR CLASS MEDICAL/HEATH CARE CLIENT XXXX XXXX XXXX {$1200.00} STATUES OF XXXX UNPAID DELINQUENCY XXXX
08/15/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77075	Web
I sent a certified letter asking for validation of debt. I asked them to provide a breakdown of fees including any and all collection cost and medical charges. To provide a copy of my signature with the provider of service to release my medical information to them. They only sent me a letter stating they represent such company and verified the information with client.
08/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75093	Web
A collection account was added to my XXXX XXXX and does not show up on other bureaus. They have verified as accurate. But have not provided me with any information. I called the company directly and they said I called in yesterday, which I did not. They couldnt give me any information other than dispute, which I already have, police report, of identity theft complaint.
06/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 12078	Web
I was hospitalized for a foot operation and went to rehabilitation center to walk again. I was never notified of this bill for {$230.00} until it showed up on my credit report. The disputed dates were in XXXX of 2018. I had both Medicaid, Medicare XXXX XXXX and XXXX, a LTMC ( Long term medical coverage ) I don't know who these people are or what this {$230.00} is for.
08/29/2020	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 32818	Web
I have a loan with XXXX XXXX XXXX, XXXX XXXX XXXX, and ARS ACCOUNT RESOLUTION. 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, XXXX XXXX XXXX, and ARS ACCOUNT RESOLUTION with no successful resolution. There was definitely an error on their part.
02/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33029	Web
This bill was for a hospital medical emergency service of my child, who has medical insurance.The entity making this claim has failed to properly bill the correct medical insurance with the correct billing information, despite my attempts to ensure proper billing and payment by my insurance. According to my insurance they need to re-bill with the correct information.
03/10/2020	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 99223	Web
These people call me 8-10 times per day from all sorts of fake numbers. The message is always the same. The most recent number they listed was for the XXXX XXXX XXXX but they have used many other fake numbers and always leave a message stating that they are HRRG and giving an 800 number to call back. Their website is https : //www.healthcarerevenuerecoverygroup.com/
03/22/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75063	Web
ARS continues to report on my credit file for two amounts of {$670.00} and I have requested validation of the debt being mine and they only send a letter with dates and amounts and this letter does not prove how the debt is mine. Since they ca n't they continue to play hop skip with submitting to the credit bureaus after numerous deletions. On my other XXXX bureaus.
02/25/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32712	Web
This company has tried to charge me services for a visitation that Ive never been to. I have never set up an appointment, made contact with this office, or had any relations involving this institution whatsoever. This is fraud and absurd how someone could randomly start charging me for something I have never received or have been serviced. Fix this issue please!!!!
02/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33993	Web
Ars Account Resolution, Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX. reported as derogatory on XXXX and transition, account # XXXX, with a wrongly reported balance of {$1200.00}. multiple disputes and attempts both to creditors and credit bureaus, all have failed to provide proof need it by law and still will not delete the wrong not proved derogatory report
05/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77084	Web
I reached out to Ars Resolution in XX/XX/XXXX by sending a debt validation letter requesting information on a collection account from XXXX on XX/XX/XXXX for {$220.00}. I also requested that if they couldn't verify the debt in thirty days to notify XXXX for removal for inaccurate reporting. As of XX/XX/XXXX I have not received any correspondence from the company.
07/21/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33056	Web
XXXX, XXXX, and XXXX, all in violation of my rights according to USC 1681 A 3 my medical inforomation was shared with a 3rd party to whom i know no knowledge of the company is ( Account resolutions services ) the open date is XX/XX/22. I Would like this account to be removed immediately.Because of this my credit has been affected and has caused emotional distress.
01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
Notarized Affidavit of Truth was sent via postal mail along with certified receipt to ARS Account Resolution along with Exhibits stating violations per USC 1692d ( 1 ). ARS Account Resolution is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.
06/21/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33021	Web
Opened : XX/XX/2019 ( 3 mos ) Account status : Open Type -- Responsibility : Individual Remarks : Placed for collection Original creditor name : XXXX XXXX XXXX {$1000.00} Reported balance. Theres two collections of the same amount. I went through XXXX to dispute the accounts but no change. Then I recieved a letter of medical fraud taken place on my information.
02/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33028	Web
I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since 2013. Over the past ( 3 ) years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.
02/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33028	Web
I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since 2013. Over the past ( 3 ) years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.
03/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
XXXX XXXX XXXX XXXX has sent me multiple requests for a medical bill. I have requested, on numerous occasions for proof of debt, only to receive a letter with an amount on it and my name misspelled. I do not now, nor have I ever had a written or verbal contract or agreement with XXXX. I do not owe them a debt. I did not entire into a business contract with XXXX.
11/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32708	Web
On XX/XX/2019, I was alerted that there was a new account added to my credit report and my credit score had dropped. I have never received any notification from this debt collector, nor have I ever been to the medical facility that says I owe {$240.00}. On XX/XX/2019 I sent a certified letter to Account Resolution Services asking for proof that I owe this debt.
08/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07083	Web
I received a debt letter dated XXXX XXXX 2016 for a hospital debt of {$660.00}. I asked for the details and was sent the details on XXXX XXXX, which had my name BUT no other details matched. SO I am totally perplexed as to XXXX debt collection works. Was this debt collection notice sent to me just because the name matched? No one bothered to check anything else
02/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43211	Web
Collector 's Name : ARS ACCOUNT RESOLUTION Collector 's Address : XXXX. XXXX XXXX XXXX, Florida XXXX {$1400.00} This company has refused to verify this account as well as the credit bureau 's. I have sent a couple of letters asking them to prove that this account is in fact mine, The informations that come back to me only says that the account was " verfied ''
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 432XX	Web
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX -ARS # XXXX -ARS # XXXX -ARS # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/09/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. The company has never responded to any of my attempts to obtain any proof or documentation that they have my consent to report my medical information in accordance with HIPAA laws.
12/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77346	Web
I noticed two collections on my credit from ARS Collection agency. I disputed it because my insurance paid it. I requested validation from ARS and sent them proof that the account was paid by my insurance. ARS just ignored my request and dispute. They continue to report the errors on my credit file. It has been 90 days and they are still ignoring my requests.
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33055	Web
I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623.
02/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33028	Web
I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since XXXX over the past 3 years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.
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	FL 32746	Web
I requested a method of validation on XX/XX/2022. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. They sent me a letter that does not include the information I requested.
01/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32207	Web
On XX/XX/21 a letter was mailed with certified receipt asking for validation of this medical debt and I havent received a response within the 30 day threshold from Account resolution services I called in to verify my letter was received and they confirmed over the phone please remove this account I now consider it to be invalid after failing to validate it.
02/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08104	Web
he HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. They are in violation of HIPPA law privacy this should be reporting on my credit report.
08/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19335	Web
I have been disputing this account with the credit bureaus and directly with the collection agency. They Never sent me a notice of my right to dispute the debt under 15 USC 1692g. They only finally responded when i started to dispute the debt. I also have no knowledge how they are claiming i owe any money. I have never been to the hospital they claim i owe.
11/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19023	Web
I reviewed my credit report and saw two medical collections with the same collection company, i do not owe the alleged debts. And To my understanding medical information under 12 CFR 1022.32 can not be shared. Also it would need prior consent to be furnished under 15 U.S.C 1692c ( a ). It is upsetting that this sensitive information is being passed around.
07/06/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AL 35806	Web
In XXXX of 2020, I was made aware of a debt collection on my credit score. I sent a certified letter, sent via USPS, to ARS Account Solutions asking for them to verify this debt that I supposedly owe. I sent this letter on XX/XX/2020. They refuse to validate this debt and say that I owe a large amount of money without allowing me to authenticate this debt.
03/30/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 79927	Web
I requested complete validation of the alleged debt. The letter I received from the collection agency did not include any information which validated the debt. I asked for : A detailed breakdown of any fees including all collection costs and medical charges as well as a copy of my signature with the provider of service to release my medical information.
06/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77373	Web
XX/XX/16 {$1900.00} Not my debt.Have written the collector numerous times since I noticed on my credit report with no results. They have never verified this is my account to pay XX/XX/16 {$1700.00} Not my debt. Have written the collector numerous times since I noticed on my credit report with no results. They have never verified this is my account to pay.
03/08/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 91601	Web
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.
11/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43123	Web	Servicemember
ARS account resolution services XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 disputed with credit bureaus and filed XXXX Complaint on both companies to dispute this. I am a XXXXXXXX XXXX XXXX XXXX all my healthcare is through the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have no knowledge of this account and want it removed and marked as fraudulent
03/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33025	Web
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
09/09/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 310XX	Web
I was alerted by XXXX, XXXX, and XXXX that the collection agency by the name of XXXX XXXX XXXX added two collection files to my credit reports. I am disputing this that it is fraudulent due to the fact I have never signed a contract nor do I have an account with this said company. NO SIGNED CONTRACT with XXXX. Never received anything from this company.
04/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73132	Web
Hello. I am writing in regards of ARS who refuses to validate a XXXX that is in question. This company has reported this unknown debt to ( XXXX XXXX XXXX. and XXXX credit reporting companies ) which has tarnished my credit. I was recently denied for credit and this unknown debt is causing me much stress. Date XX/XX/2020 the amount is XXXX. Thank you.
02/19/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 320XX	Web
Sent letter on XX/XX/22 notifying ars of non compliance with the FDCPA They received my letter on XX/XX/22 I received a response on XX/XX/22 This letter did not address the non compliance of the FDCPA. Letter was a verification of debt. Sent double email to XXXX on XX/XX/22 with attention for legal department It is now XX/XX/22 no response via email
05/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 723XX	Web
ARS Account Resolution at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amounts of {$1100.00} & {$1200.00}. The collection has been reported as a post due balance. I do not know anything of this company. I have never done any business with this company. The company does not have a contract with my signature.
08/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 336XX	Web
I have a collection account listed on my credit reports by a debt collection agency RESOLUTION SERVICE, Collecting on behalf of XXXX. I am not aware of this contract and it does not belong to me. I requested verification of debt and account on XXXX XXXX, 2017 and the business failed to provide proof. Because of that, I am not responsible for the debt.
09/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33617	Web
ACCOUNT RESOLUTION SERVI 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.
02/28/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
A certified mail verification letter was sent to XXXX XXXX XXXX XXXX on XX/XX/2019. The letter was received by XXXX XXXX XXXX XXXX on XX/XX/2019 in XXXX Florida. The company continues to report to all 3 credit bureaus without sending any of the documents I have asked to received. XXXX has close account but failed to deleted from my credit report.
11/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77079	Web
I have no recollection of this collection. ARS. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.
09/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07631	Web
I had a medical bill back in XXXX 2020. I paid part of the bill but requested for assistance. I received XXXX XXXX to pay off my debt. Didnt know all the debt was not paid and the rest sent to collections. Saw collections company ARS on my credit report today. Never received written notice from the collection company about debt to try to negotiate.
04/29/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 088XX	Web
ARS ACCOUNT RESOLUTION was not authorized to obtain my medical information. Under the Health Insurance Portability and Accountability Act ( HIPAA ) I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to EXXXX XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party.
11/29/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33025	Web
I sent debt collection letters twice on XX/XX/2020 and XX/XX/2020. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
06/14/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33169	Web
I receive collection notice from ARS ACCOUNT RESOLUTION in which i have never done business the original creditors is listed has ARS ACCOUNT RESOLUTION which i have never done business has well i receive a letter from XXXX XXXX XXXX, XXXX with copy of bill from ARS ACCOUNT RESOLUTION which does not validated a copy of bill does not substantiate debt
02/13/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33056	Web
I called the company Account Resoultion Services several times and was hung up on when I asked for their registration number to collect in Florida. I am very aware of my laws and rights for a collection agency to collect a debate in Florida they MUST be registered to collect in Florida and be registered with Florida office of financial regulation.
07/19/2022	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	GA 303XX	Web
I am a XXXXXXXXXXXX student presently attending XXXX XXXX XXXX which I was not given no date of payment of my student loan because I am not finish yet my graduation date is in XX/XX/2022 and now its on my credit report that I owe which is incorrect and I need your help with this there are others that are incorrect on my credit report please help.
01/28/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33137	Web
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate. The debt is under a fraudulent name I provided proof of identity the bureaus refuse to update my report
01/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32208	Web
I just looked at my credit report and see ARS ACCOUNT RESOLUTION and showing the original creditor is XXXX XXXX XXXX and thats a big mistake because I never went to that hospital or had any dealings with them and I need this account deleted as soon as possible because its affecting my score and they are reporting debt that dont even belong to me.
03/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70815	Web
On XX/XX/XXXX it was stated that I visited a facility for medical and/or health treatment. I believe that this is correct being that I have had Medical coverage with the state of Louisiana since the year of XXXX. I have filed a dispute for this matter. The account was assigned to XXXX XXXX XXXX on XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX.
04/06/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 622XX	Web
I am being contacted by an unknown ARS collections for an unknown business that I have never received service from. When I try to speak with someone who is aware of the debt, no one has heard of the debt except for ARS collections. I believe that they are fraudulent and are scammers as well. Asking for a debt to be paid that doesn't even exist.
11/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33025	Web
I sent out a debt validation letter and received a response on XX/XX/2020 they didnt validate the debt the company only sent out a list of the accounts and amount of debt. Than i sent a failure to validate letter i received a response on XX/XX/2020 with no valid information or contract they sent the same letter that they sent on XX/XX/2020 2020
07/25/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web
I received a letter from ARS tha t was supposed to be validation of debt. Instead I received a paper with a misspelled name, a date, invoice number and amount. My HIPPA rights are being violated because I 've never entered into any type of agreement or receive d medical services with or from ARS. They did not provide proof of the debt ither.
04/03/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 334XX	Web
Dear representative, I sent a debt validation letter two times in XXXX and one time on XX/XX/XXXX and each time this company failed oto validate my debt. I also contacted them numerous times via email to say that this debt is being incorrectly being reported on my credit report under a tottaly differnet name then my name. Sincerely, XXXX
02/25/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23188	Web
I have sent letters to the credit bureaus about my ARS accounts that do not belong to me and the hospital did not bill the insurance company. These accounts belong to someone else and I have told them several times that I am not responsible for the balance. I have not received the original documents to verify that this account belongs to me.
07/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43068	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.
05/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
I previously received letters in an attempt to collect a medical debt from XXXX XXXX XXXX XXXX. I never entered into an agreement with this company, have never signed a contract to do business with XXXX XXXX XXXX so therefore I do not owe them any monies. I never verbally or in written communication entered into a contract with this company.
04/25/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	WV XXXXX	Web
Account resolution Service is contacting me regarding medical bills that were paid by insurance to the original creditor XXXX XXXX XXXX. By them selling my medical information to a second party company, they are violating my rights under HIPAA. One account is showing {$680.00}, another account is showing {$1000.00}, another showing {$910.00}
02/01/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	VA 24012	Web
Ars collection posted fraudulent information in my credit report. They reaged a debt. They reinserted a debt into my credit report without sending a 5 day notice. Also they are reporting the debt as a new collection XX/XX/XXXX but the debt is from XX/XX/XXXX so they reported fraudulently to keep it in my credit report longer than law allows
08/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 708XX	Web
Collector name : ARS Account Resolution Collection amount : {$84.00} This medical collection is reporting to my credit report. I would like to have it removed. I sent a dispute letter to XXXX credit Bureau to verify and no response. I sent dispute letter on XX/XX/2021 and havent received anything back from creditor or XXXX credit bureau.
12/16/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 442XX	Web
They called from a VIOP number. They asked for me and I said speaking and hung up. They do this repeatedly throughout the week. I called back and asked their business and the woman pretended that she did not hear my question and just kept asking who is this? The business name is XXXX but when I look it up it is Health Care Recovery Group.
04/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77079	Web
I have an account on my credit from XXXX # XXXX in the amount of {$1400.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
04/27/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77079	Web
I have an account on my credit from XXXX # XXXX in the amount of {$970.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
06/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33445	Web
I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XXXX XXXX and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.
08/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33021	Web
ARS has violated my privacy. Furnishing my medical bills without consent has made it impossible for me to extend credit for my every day household needs. ARS are not in compliance with the FCRA. As the consumer I have the right to opt out of having my private transactions added to public record. I was denied that right. ( see attached ).
08/10/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 34786	Web	Servicemember
This is one of 3 medical bills from XXXX of 2014, I had insurance the hospital sold my information to the collection agency I am asking 5e remove them from all three of the credit bureaus. The have sent collection letters, called, and threatened me with financial hardships if I do not pay.I am a XXXX XXXX VETERAN, WITH XXXX AND XXXX XXXX
04/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33584	Web
I saw the negative action was put back on my report after previously disputing it months ago. I got in contact with the company to advise them I have no knowledge of this account and would like it removed off my credit report. I asked for proof and documentation of where this alleged debt came from for which they were unable to provide.
03/03/2022	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	CO 804XX	Web
I sent ARS account resolution a validation of debt letter certified on XXXX Ive attached the letter, the signed return receipt as well as the usps tracking as proof of the company receiving my request. I have yet to hear back from them, they haven't sent any proof of this account. This is a violation of FCRA and it needs to be removed,
02/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 10304	Web
Last year I sent a verification letter to collector asking for more information about 5 account in collection ( medical debt ). They did not send any proof. The collection agency only updated the accounts in collection with the following remark : ACCOUNT INFORMATION DISPUTED BY CONSUMER. Account Numbers : XXXX, XXXX, XXXX, XXXX & XXXX.
12/03/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77351	Web
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 an account without my written instruction. 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 purpose.
02/04/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77055	Web
I looked at my credit on XXXX XXXX and saw that ARS COLLECTION AGENCY took one medical visit and duplicated over 20 collections on my credit mostly for {$21.00} all for the same date. this is so wrong. I have been sick battling for my life and to find that this kind of injustice and fraud as well as greed is going on behind the scene.
02/15/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32244	Web
I XXXX XXXX have never signed a HIPPA release form with XXXX XXXX or XXXX therefore these are clear HIPPA violations and I want these deleted immediately from my credit ; HIPPA laws protect my personal medical information from being used without my consent and you are now aware of the clear HIPPA violations please delete immediately.
02/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 73119	Web
Yes I have 7 emergency room visits because I did not no that I had XXXX XXXX XXXX. All 7 was picked up by ars account resolution company. This is destroying my credit. I had insurance for all 7 of these bills. Please have the company bill my insurance sooner care. XXXX bless and thank you XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
11/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33407	Web
On XX/XX/2022 I was monitoring my credit and I see companies reporting inaccuracies on my credit profile, cause my scores to stay low and making things difficult for me. Also the companies haven't responded to me regarding my dispute letters. Credit card identity identity XXXX XXXX And ARS account resolution ( medical collections )
05/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30126	Web
ARS Account Resolution XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$1300.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
05/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60018	Web
XX/XX/XXXX - Noticed collection on XXXX report XX/XX/XXXX - sent a letter asking to validate the debt via USPS certified mail XX/XX/XXXX - received a letter from collection agency XX/XX/XXXX - sent a letter to collection agency stating that I did not received the information requested XX/XX/XXXX - debt was updated on my XXXX report
04/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78724	Web	Servicemember
I am a veteran. The VA approved payment of all my medical bills that are being charged to myself in this bill. The VA tells me to have the company send them the medical bill so they can pay it. However, no matter how many times I attempt the company with the address to send the bill, they ignore me and continue to send me the bill.
12/03/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77545	Web	Servicemember
15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an 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 report plan as late for purpose.
05/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30126	Web
ARS Account Resolution XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$310.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
04/10/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32250	Web
Per XXXX XXXX they were unable to pull out my information with my name social security number date of birth they may be fishing for some information and they reported to account one for {$300.00} and one for XXXX and they need to be removed because they were able to prove elevation or locate the account seems like it 's fraudulent
03/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33023	Web
Hello, I notice that there are collections accounts on my credit report. I never had credit with this creditor XXXX in XXXX or XXXX. I have asked this company serval times to provide me with documentation showing that the account belongs to me. It's been over 30 days and I have not heard back from them. Please can anyone help me.
08/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30168	Web
A medical collection bill I have been disputing has been duplicated by a new company. This debt is not owed and have never been validated ARS Account Resolution and XXXX XXXX XXXX XXXX are trying to collect the same debt for a company named XXXX XXXX XXXX I do not know who this is and have never received a debt vallidation letter
05/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33606	Web
ARS has agreed to wipe away all debt from my credit report to all three reporting agencies... XXXX has done that, but XXXX and XXXX have not... XXXX deleted one of the debts, but 2 still have not been deleted. I have a letter that states this would be done.. Please contact XXXX and XXXX to have all of the debts removed ...!
02/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 23112	Web	Servicemember
ARS collection agency, has been notified by XXXX XXXXXXXX that the charges {$160.00} on XXXX occasions were processed and paid through XXXX. XXXX continues to try and collect and refuses to remove debt from credit report after letter of eligibility has been sent numerous times and told can not collect on debt that is unlawfully.
01/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23188	Web	Servicemember
ARS Account Resolution has submitted a negative account for publishing on my credit report. ARS Account Resolution is not licensed to collect in my state. They have failed to validate the debt as requested in writing. ARS Account Resolution was mailed a debt validation letter on XX/XX/2019 to which no response has been received.
08/16/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	KY 40214	Web
Good morning, I am being charged for a medical debt from my son who has always had XXXX health insurance. I do not understand the reason why this account was not charged to the health insurance at the time and now after a long time I ran into this horrible situation. to communicate first with the medical insurance to pay thanks
04/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33027	Web
In reference to my previous disputes with this company I am including the previous dispute numbers XXXX XXXX XXXX XXXX XXXX I am also including a invoice pertaining to my rights as a consumer being violated repeatedly from the start of this process. This company has caused me damaged of time that I will never be able to recoup.
05/17/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30038	Web
This account has been removed from my XXXX file and I 'm having the hardest time having it removed from my XXXX and XXXX file. There are XXXX accounts listed on my XXXX and which I believe they are duplicate account listed. I have sent in several letters via certified and I have n't received a response in this matter.
05/10/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
This is not mine. I did not receive care nor have they sent me anything, even though it has been asked many times, to show this is my debt. Other than the itemized statement, which is something I could easily make up.. I would like to see signed documents or original paper work with my signature, ID something to show proof.
10/20/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77047	Web
XXXX XXXX XXXX sent a hospital bill to a 3rd party reporting agency. Once that was done the original creditor wrote off the debt. A debt on my consumer report according to 15 USC 1692 a is abuse, deceit and unfair debt collection practice. I was harassed for a debt that wasnt validated and have suffered XXXX XXXX as a result.
07/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WV 254XX	Web
A collection came up on my credit. I thought it was a hospital bill, so I paid it all off. Turns out it was not the hospital bill. I called the company 3 times for them to send me the information to figure out where the debt is from and the payment options. Never received any information. The debt is still affecting my credit.
01/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33407	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL alleged debt amount : XXXX This company refuses to acknowledge my request by certified mail letters of validation with contract signed by me and proof of their license. I have sent letters twice and have n't received anything other than updated alleged debt on my credit report.
04/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33604	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.
08/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44134	Web
I am trying to rebuild my credit the bankruptcy on my report is holding my credit score down is there anyway to get it off ?? I have fixed all other problems that I have had in the past since then!! I try to keep up on all my Bill's now a days and iam very responsible and upstanding citizen. Thank you very much XXXX XXXX XXXX
11/07/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	FL 342XX	Web
I get a medical bill on my credit report who was paid by my insurance and still showing on my report. I received calls from collection about a debt already paid with some treated by collection agents. This was never reported to my attention about this debt turn to a collection agency. I do not have ny knowledge of this issue.
10/31/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 140XX	Web
Medical debt on my credit XXXX credit report not responsible for ... .I explained repeatedly and two of the three bureaus removed the debt ... ..Do n't understand why they keep harassing me to pay it.It was an accidental injury while I was a patron in restaurant ... .Owner agreed to pay bill. XXXX XXXX owned establishment.
10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34743	Web
My information was sold to a company that I know nothing about. I want them to destroy any information they have on me and get rid of that debt. I know nothing about it. I believe that is against the law. I also have some medical bills that were sold that I want destroyed and off any account that you have with my name.
08/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33837	Web	Servicemember
I have disputed this several times as identity theft and even asked for a breakdown of the charges which none of the companies will provide. The debt is for {$1000.00} from Account Resolution Services. Not to mention this is a direct HIPAA violation on reporting medical information. I have contacted all 3 credit bereaus.
06/02/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web
They are reporting collections on my XXXX that are not mine. They were previously on my XXXX and XXXX credit reports they were removed from there because they were not able to be validated, after deletion of those bureaus they placed them on my XXXX with out notifying me of that. These collections are not mine.
09/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27705	Web
This alleged debt is not mine nor am I obligated to pay it. I don't care what " validation, proof, etc '' ARS has, I am not responsible for it. The fact ARS refuses to remove it, is a violation, as well as, an injury to my consumer report well being. 15 USC 1692k civil liability {$1000.00} per violation for the damages.
06/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32808	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. 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.
09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33634	Web
There is a company that is reporting that I have not done business with is reporting on my credit file. I have never even heard of this company nor informed until I seen it on my credit. This company is reporting several different accounts XXXX total accounts. This is crazy, I have disputed with nothing being received.
08/23/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33068	Web
I XXXX XXXX has been going through a financial hardship and has been violated by Account resolution service, Account resolution service is reporting to consumer reporting agencies about an alleged debt, and calling family members about debt. Pursuant to 15 usc 1692 ( b ), Title 15 usc 1666 ( h ) XX/XX/2020 - {$780.00}
05/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75067	Web
ARS Account Resolution has reported invalid account with the amount of {$700.00}. They have listed the original creditor as XXXX XXXX XXXX XXXX in which I have never done business with either company or any company associated with them. The company has failed to provide any debt validation for this erroneous account.
03/24/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77090	Web
Requested validation of debt via mail directly to company and bureaus. Did not receive reply to anything. Debt is still listed on credit with incomplete account number, incorrect mailing address and other inaccuracies. It has been well over 60 days without a response. Ive requested this to be deleted from my report.
04/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
ARS # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX placed a " Medical Collection '' for {$1800.00} on all three of my credit reports ( XXXX , XXXX XXXX XXXX ). I have no knowledge of any of this and attempted to have this removed from the credit agencies to no avail. I want to get this item removed.
04/10/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 339XX	Web
XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!
10/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33150	Web
I have requested a validation letter from Account Resolution Services. I have received a letter but it still not enough information of verifying the debt. I didn't give this collection company the consent to collect any debt or the company couldn't provide my bear signature of them owing rights to collect any debt.
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33015	Web
Accounts/ inaccurate information reflecting on my credit file. These accounts do not belong to me and was not authorized neither do I have any knowledge of. I am a victom of identity theft and am requesting that these accounts be removed immediately. XXXX XXXX XXXX ACCOUNT XXXX, XXXX, XXXX, XXXX, XXXX. Thank you
09/10/2021	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 34219	Web
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
08/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30328	Web	Servicemember
The company said I was represented by an attorney which was never the case. This agency has also violated 15 USC 1692d 15 USC 1692f 15 USC 1692j The debt collector is liable under section 1692k of this title for failure to comply with a provision of these subchapter and will be held liable for civil liabilities
07/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77039	Web
I have been monitoring my credit for over a year all of a sudden in XX/XX/XXXX this company states I owe them {$550.00} and the date of the first delinquency is XX/XX/2012 over four years ago. I have no idea what this is and why wait four years to say I owe this debt. I have not rcvd a debt validation or anything
12/03/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	HI 96817	Web
XXXX ( Account Resolution Service ) has not shown or validated that I owe this bill or verified I owe this debt with a written signature. The company has only provided date of service on XX/XX/2020 with an outstanding bill of { {$440.00} }. This is not adequate proof that I owe this bill. Therefore I do not owe.
03/25/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 43123	Web
They are trying to collect XXXX dollars from me for and XXXX XXXX XXXX but I have a payment arrangement with XXXX XXXX and my next payment doesnt come out till the XXXX which is when I can pay it because I will have the money Im not ok with them trying to collect more money out of me even tho Im paying my bill
10/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33458	Web
The emergency room charges have been changed several times each statement. The level of emergency room service states level XXXX. I received no service other than an IV. I have spoken with XXXX XXXX several times and nobody in billing seems to understand. Then they never submitted my insurance which i provided.
08/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60409	Web
Date opened XX/XX/2021 Amount {$390.00} File dispute with XXXX with negative results I don't recall service from the original creditor. I'm receiving bills from ARS and XXXX XXXXXXXX XXXX XXXX I believe for the same charge but different amounts. ARS ACCOUNT RESOLUTION Original creditor : XXXX XXXX XXXX XXXX
07/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web
I try to contact this company multiple time due to a fraud account that was open under my name and ask to me remove of my credit report and still to this day no action have been made at this time Im willing and ready to take what ever action thats next to have them remove this fraudulent account of my report!
05/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33312	Web
I have been a victim of identity theft. There are over 20 collections for things I have no clue where they are from. I have contacted the company to dispute it but they are saying they can not remove anything without payment, which I know is not true. This really isn't fair, is there anything anyone can do?
04/01/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 08610	Web
Company Name XXXX XXXX XXXX XX/XX/XXXX certified mail. I mailed a letter to the creditor and they signed my certified mail and no response back from them. XX/XX/12/19 certified mail to follow up on XX/XX/XXXX dated mail I mailed a second letter and still heard nothing back from them. The amount is {$800.00}
04/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60613	Web
We have sent three letters asking to verify the account and the contractual agreement I have with XXXX XXXX and I all received was a letter stated it has been confirmed I owe this debt. They have failed to provide me with a copy of any viable evidence bearing my signature, showing that I owe XXXX this debt.
11/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32207	Web
ARS ACCOUNT RESOLUTION XX/XX/2018 {$100.00} I demand for this collection to be removed immediately from my credit Bureaus. If this is not removed within 30 day period and I demand a letter with the confirmation. I am going to sue the collection agency for {$10000.00} as my HIPAA Rights have been violated.
04/12/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77096	Web
Agency is repeatedly reporting false information on consumers credit report. There has been no verification of contract or agreement between consumer and this creditor, therefore the collection agency should not be reporting. Verification of contract needs to be produced to verify obligation by consumer.
11/29/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60643	Web
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
01/24/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OH 43612	Web
ARS has been calling on a daily basis for a debt that I do not own. Under Section 604 15 U.S.C. 1681 B, the credit reporting agencies DO NOT have the right to report anything on my credit report. Under Section 605 A 15 U.S.C. 1681 C-1 it states that with no consent, they MUST DELETE, = identity theft.
12/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
11/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
XXXX XXXX agency was contacted about a {$590.00} medical debt that was explained that the debt was not true. It was expressed and explained that debt was covered by Insurance and therefore was not a debt to be collected nor was it accepted as my personal debt. Company never verified and did not comply.
11/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33023	Web
upon checking my credit report i noticed there is a company on my report numerous times trying to collect over XXXX dollar from me i have tried to call them but no answer i dont know who they are and i have never signed a contract with them in person or electronically nor ethier any of there affiliates
07/24/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IN 463XX	Web
Beginning in XX/XX/2020, I began to get automated phone calls from HRRG. They continue to leave me several voicemails each week from several different numbers. The messages never specify whom they are attempting to contact, but I do not owe anyone any debt due to having filed a Chapter XXXX Bankruptcy.
10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43551	Web
In Accordance with the fair credit reporting act XXXX account number has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
06/30/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH 43221	Web
HRRG called to request payment on a debt. I requested verification that the debt is valid. They refused to provide statements or any other means of verification. In addition, they spoofed their called ID to make it appear they were calling from XXXX, CO when they are actually in XXXX, XXXX - Deceptive
10/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 088XX	Web
I dont know how they say am owning that such amount I never go the any hospital without my insurance card or without my insurance taking care of the situations, now they saying I own almost $ XXXX and they reported me to credit collection or sold it to credit collection to downgrade my credit scores.
05/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
no Duplicate I have NE VER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
10/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43110	Web
this company is reporting negative, false, misleading wrong information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Bureau Name ACCOUNT RESOLUTION SERVI i paid them in full the are reporting on my credit bureau report that i still owe them and paid in full
10/19/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	WA 98367	Web
THE NAME OF THIS COMPANY IS ARS, ACCOUNT RESOLUTION SERVICES AND THEIR PHONE NUMBER IS XXXX. THATS ONLY ONE OF THEIR PHONE NUMBERS. THEY CALL AND ASK ME TO VERIFY MY NAME AND THEN THEY HANG UP. THEY ALSO ROBO DIAL ME AND AFTER I PICK UP, THEY HANG UP. THEY REPEATEDLY DO THIS OVER AND OVER AND OVER.
07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11212	Web
XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT ARS ACCOUNT RESOLUTION IS A FRAUDULENT ACCOUNT ON MY CREDIT XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT I didnt open any of these accounts and I am a victim of ID Theft Please see the attached FTC report and remove these accounts from my credit
03/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OK 73120	Web
ARS account resolution never sent me any notification about this debt, if they did I would have disputed the validity of this debt immediately. ARS account resolution is in violation of the Fair Credit Reporting Act and must remove this from my credit immediately because they have violated the law.
01/15/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93555	Web	Servicemember
This item is malicious. I report them before and they went away, now they are back. I am a veteran and seventy percent service connected XXXX ; I get free healthcare for life from the VA. I am also on XXXX since I live in a rural area not serviced by the VA. My insurance information follows : XXXX
12/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77494	Web
I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX on several occasions with email, phone, and mail no response. I have reached out to HRRG as well. I have been insured for over twenty years and this should have been already paid. I reached out to my insurance company, and they said it was paid.
03/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32207	Web
Account Resolution Services Balance {$100.00} In my transcript from the collection agency ARS, they did not include my HIPAA Disclosure. You have violated my HIPAA rights and I demand you remove this from my credit report. I will take the necessary legal actions if this is not removed immediately.
09/13/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33610	Web
I received a notice only one time stating I owe a debt. I never received a bill. I don't know what this debt is about. I sent in a certified letter requesting more information about the company and debt. The address leads back to the creditor. I don't know what this is about and I am disputing it.
10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 308XX	Web
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
07/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32208	Web
Are account resolutions is reporting to XXXX and XXXX about a {$620.00} debt that I owe. The account was open in XXXX XXXX I was in prison at XXXX XXXX correctional facility at that time. So this is fraud .I didnt not open this account nor was I in the hospital in prison to even have this account
08/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33407	Web
In XXXX of XXXX, I got a copy of my credit report and noticed reporting of ARS credit collections. I reached out to them in an attempt to dispute the matter and asked them to verify the account as mine. The company in turn sent me a internal bill with none of the method of validation I requested.
04/11/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34116	Web
I have contacted ARS numerous times asking for signed proof this charge belongs to me. They have never sent me anything showing proof. This charge is not mine and I would like it removed at once from my credit report. They can not provide me with any original paper work, signatures or ID copies.
11/09/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	MT 59405	Web
I am receiving numerous calls either to my cell or now to my employer.. leaving a number of XXXX ARS. I am fed up with being harassed on my phone and now at my work. I do not owe ARS anything and if I do, they should go through the proper channels of collecting a debt. ie, sending a statement.
03/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 748XX	Web
I have called multiple times requesting the original purchase agreement to no avail. if the purchase agreement can not be brought forward then i do not see any reason to satisfy the alleged debt. After bringing this to their attention nothing has changed. i feel nothing more need be said.
03/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19802	Web
I have contacted these companies and they are reporting the wrong information. I have sent letters to the company requesting the original contract with my wet signature. I have not received anything from these companies at all. I am asking for these accounts to be deleted from my credit report.
03/10/2022	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43081	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
10/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43004	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
09/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32305	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
02/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 339XX	Web
ARS ACCOUNT RESOLUTION at XXXX XXXX XXXX has been sending me collection notices in the amount of {$440.00} 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.
06/29/2020	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 33055	Web
I am receiving a derogatory/negative remark on my credit report for this creditor for money I do not owe. I am unaware of this account and monies owed. This creditor is negatively and incorrectly impacting my credit report for a balance of {$740.00}. I ask that this be removed once and for all.
09/17/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NJ 081XX	Web
I had Medical Insurance those medical bills on my account should have been removed or never put on my credit Report i have been trying for yrs to get them removed and they are still showing up on my Report plus i also did a Bankruptcy and they were all suppose to be on that Bankruptcy report..
07/09/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 347XX	Web
n accordance with the fair credit reporting act XXXX aXXXX XXXX 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 604A Section 2 it also states a consumer reporting agency can not furnish account without my written instructions.
12/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32701	Web
in accordance with the fair CREDIT REPORTING AGENCIES ARS Account Resolution acct # XXXX has violated my rights 15 U.S.C 1681 section 602A states i have rights to privacy 15 u.s.c 168 section 604a section 2a consumer reporting agency can not publish an account without my written instructions
04/06/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44120	Web
In accordance to fair credit report at XXXX account number XXXX ARS ACCOUNT RESOLUTION S has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 604 A section 2. Also states a consumer reporting agency can not furnish your account without my written instructions.
02/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75067	Web
ARS Account Resolution has reported two invalid accounts to XXXX {$360.00} and {$700.00}. They have listed the original creditor as XXXX XXXX XXXX XXXX in which I have never done business with either company. This is not a valid debt and needs to immediately be removed from my credit report.
09/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 62269	Web
I sent 4 letters asking for validation of debt, on the dates XXXX XXXX XXXX No Response of Validation ... Also sent a letter of failure to validate on XX/XX/2021. Received a bill for XXXX. This Company refuse to validate the debt for 4 months now and continually reporting on my credit file.
09/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 322XX	Web
I'm requesting written request to validate and verify this debt. During these times, money is stretched thin and nothing should be added to my report because I'm unable to pay at this time. There is a pandemic on-going and without any communication, this shouldn't have hit my credit report
01/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77583	Web
I have tried to get proper validation bearing my signature on a signed contract making me responsible for this debt. Within guidelines to the FCRA. The responses that I keep getting are that theyve verified my name, dob, social and address which is considered verification not validation.
06/30/2022	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 77021	Web	Servicemember
ARS Account Resolution still have not provided any proof this debt of {$1200.00} is mine. Sending letters to me stating information is accurate does not constitute as proof. No signed documents. Nothing but take their word. This is a scam. Will proceed with litigation as debt is not mine.
01/22/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77077	Web
This company is keeping trying to contact me to collect money from me for something that doesnt belong to me. I asked them to sent me a proof of a signed agreement or letter or any bill I owe but the refuse. I asked them to stop calling me but theyre keeping calling me. Please I need help
08/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33404	Web
I have a collection account listed on my credit reports by a debt collection agency, Account resolution services collecting on behalf of XXXX XXXX XXXX XXXX Account resolution services is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
11/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
XX/XX/XXXX Amount owed : {$1400.00} Ask the to validate it. They didnt. And refuse to remove my collection all they did was verify not VALIDATE XX/XX/XXXX Amount owed : {$1400.00} Ask the to validate it. They didnt. And refuse to remove my collection all they did was verify not VALIDATE
07/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30328	Web	Servicemember
ARS ACCOUNT RESOLOUTION {$620.00} debt, which only reports to XXXX that they are trying to collect which is not mine. I have wrote and disputed with this company and they seem to ignore me.I have received no answers. The company can not provide any contract that I have signed with them.
01/10/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 361XX	Web
XXXX XXXX XXXX is reporting a debt that I do not owe. I have disputed the debt with the credit bureaus. They have failed to validate the debt as mine yet they still attempt to collect the debt and threaten to ruin my credit history. This is having a negative impact on my credit history.
06/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43607	Web
The accounts in collection are not authorized transactions by me the consumer. The following accounts are being reported negatively by XXXX, XXXX, and XXXX. It is affecting my credit worthiness and damaging my reputation. ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63121	Web
I have numerous medical bills that goes against the hip as law I will list them below along with me social security number : Account resolution service - {$900.00} XXXX XXXX - {$530.00} Account resolution XXXX - {$150.00} XXXX XXXX XXXX XXXX - {$820.00} Social security number XXXX
10/17/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 450XX	Web
On XX/XX/2022 I requested via XXXX validation of debt, or the account be removed. after investigation was completed, XXXX verifed debt to be accurate, by law i have the right to documentation showing this debt is accurate. please provide me proper validation this account is accurate.
02/24/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 08081	Web
i am writing this due to non-compliance with the ( XXXX XXXX XXXX ). they have failed to remove information that was affiliated with personal details that were challenged in the past. i strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
02/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77379	Web
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
04/16/2019	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 278XX	Web
This is a XXXX XXXX. medical bill I have inform HRRG to stop calling me and collect the XXXX XXXX information I called them today and told him to remove all that information off the credit report and the XXXX XXXX XXXX was going to email him with all that information for the XXXX XXXX
07/14/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	KY 40272	Web
I have another company charging me XXXX for medical bills that my insurance is supposed to pay. I have no clue why they are charging me because I havent been to the hospital that many times ... so why are they charging me. Why do I have insurance if it dont take care of medical bills.
09/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NJ 08080	Web
On XXXX XXXX 2015 there was a car accident theses bills were paid according to the XXXX insurance companies collection agencies are harassing I was told this account was paid I trusted and believed this to be true and correct Plus this collection agency is calling my cell phone daily
04/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76179	Web
I do not owe this debt, I am 100 % sure. The short, vague description they provide from the debt is enough for me to know it's not mine. They are causing damage to my credit report/score that I don't deserve. I don't have documents to provide obviously, since this debt is not mine.
11/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34952	Web
there is no need for verification. mu first complaint asked for validation not verification, please send me validation actual proof with my wet ink signature Please see attached identity theft affidavit. Last and final warning to delete and remove said items from my credit reports.
09/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 79915	Web
I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. Account No : Amount Disputed : XXXX {$510.00} XXXX {$510.00} XXXX {$510.00} XXXX {$510.00} XXXX {$530.00}
09/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web
I have 3 charges from ARS from different dates. None of those dated correspond with medical things I've had done. I've also had insurance consistently for the past almost 10yrs. I've tried several times to dispute the charges or get in touch with the company with nothing in return.
03/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33145	Web
XXXX XXXX XXXX they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX for the amount of {$140.00} which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.
03/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 109XX	Web
Ars account resolution Account balance XXXX I tried contacting to ask for written proof on what they are saying is my balance with anything that has my signature and any other information that can explain and show me. I have never signed any hippa papers or anything of that sort
04/14/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 08610	Web
XX/XX/XXXX I reached out certified mail XX/XX/XXXX they signed for it and I heard nothing from them XX/XX/XXXX they signed for another request and heard nothing from them and they didn't mark my credit report as a dispute I attached my credit report to show they are in violation
11/15/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 34759	Web
This is to follow up with my request to send me debt validation, you mentioned on your response that you were sending me documents but I don't see anything like a validation letter. Please send it to me by responding to this message so the CFPB would also know of your response.
03/28/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77705	Web
I have contacted XXXX XXXX XXXXXXXX XXXX by mail asking for Validation. The last was on XX/XX/2018. They have not validated the debt. XXXX sends a letter with my name and amount. I looked into this company further and found they are not bonded in the state of Texas to collect.
12/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60411	Web
THIS COLLECTION COMPANY IS TRYING TO COLLECT AN ALLEGED DEBT WHICH IS NOT MINE AND A VIOLATION OF MY FCRA RIGHT. I REACHED OUT TO THIS COMPANY VIA EMAIL ASKING FOR PROOF OF THIS ALLEGED WHICH CANT NOT BE FURNISHED SO THESE ACCOUNTS NEED TO BE REMOVED FROM MY CONSUMER REPORTS.
03/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48203	Web
I have disputed inaccurate information multiple times with XXXX, XXXX XXXX and XXXX XXXXXXXX service. These 2 accounts are not mine but still remains. {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX PA {$710.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX PA
02/22/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07105	Web
This company furnished my credit report without my consent. XXXX sent me a letter saying they deleted the item off my credit report but it still negatively shows on my credit report. Here is what they, XXXX sent me in the mail but STILL havent updated my XXXX credit report
10/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77021	Web
XX/XX/2018 XX/XX/2018 XX/XX/2018 {$990.00} each I believe my info was sold to Ars which I believe is a violation of my Hippa rights. I would like for those accounts be closed and removed off my credit file. Ive filed a report to XXXX, XXXX and XXXX and nothing was resolved
06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 08046	Web
This bill is medical bill from XXXX XXXX the new laws indicate no show on report. It appears the debit was obtained in XX/XX/23 with the deceit to appear as non medical bill and continue to show on report. I am requesting all medical bills be removed immediately thank you
09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95209	Web
I have requested several accounts be investigated on my credit report. The investigation took well over 30 days and I am demanding these accounts be removed in less than 30 days. The investigation should have been completed 30 days ago and the accounts are still in review.
07/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77090	Web
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a letter was sent to this company demanding verifiable information proving that this account belongs to me. This corporation did not send me any paperwork or information that would allow me to confirm that these accounts are mine.
09/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 327XX	Web
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.
08/10/2019	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	SC 29579	Web
For the past two weeks, all hours of the day.. HRRG, has called me multiple times a day. Theyve called my husband multiple times while he is at his job. If we had the money to pay, we would.. but we have been struggling since I had my XXXX and are on one income currently.
01/10/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80017	Web	Servicemember
I TRIED TO SETTLE A DEBT WITH XXXX XXXX BECAUSE THEY PUT NEGATIVE INFORMATION ON MY CREDIT REPORT AND I WAS NEVER NOTIFIED ABOUT THE DEBT IN THE 1ST PLACE. I AM XXXX MILITARY AND THIS IS AFFECTING MY LIFE. THE REP TOLD ME IF I SETTLED THEY WOULD NOT REMOVE THE INFORMATION
09/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 33126	Web
Hi i am a victim of identity theft back 2 to 3 years ago, upon checking my credit i see these theft un authorized cc, i need these removes from XXXX and XXXX pleaseeeeeeeeeee .... ARS account resolution for {$47.00} XXXX XXXX {$860.00} ARS account resolution {$1800.00}
04/10/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 339XX	Web
XXXXXXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
11/29/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AL 351XX	Web
I have no Knowledge of an account with ARC Account Resolutions yet they are reporting on my credit file and calling me, I have asked for proof of Debt which they have not supplied They have never sent me anything about the debt only started reporting on my credit report
07/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WA 99336	Web	Servicemember
I am being charged {$300.00} for a medical bill. I have been to the same facility plenty of times with my DUAL same health insurance for almost 10 yrs and that can be proven. I have 2 different insurance I have and have been used at this health facility plenty of times
03/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75063	Web
Ars continues to attack my credit after several deletions. They are claiming I owe bills that are not validated as mine. Just a mere letter with dates and amounts that do not belong to me. XXXX did not verify the accuracy of this debt and continues to violate my credit
08/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 278XX	Web
I have had this on my debt collection it shows for awhile but I have never received bills or been called about it which leads me to believe that its a false debt that I actually don't owe. I would like this to be removed as I feel I was wrongly charged with this debt.
06/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33351	Web
I have a previous claim : XXXX ARS Resolution Services also violated my cease & desist clause they keep spamming my house address with false correspondence and their records have two different service dates for a false debt. The evidence is provided in the documents.
09/07/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 10029	Web
This is not a 3rd party! Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. Please review attachment!
08/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 328XX	Web
XXXX removed the alleged debt from their credit file. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies.
02/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85212	Web	Servicemember
Company didn't provide valid proof of debt failed to follow FDCPA and FCRA rules and regulations. A new complaint will be filled out daily until the ARS complies with my request and follows the law. A daily CFPB complaint will be created daily until ARS complies.
08/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63033	Web
Recently got credit report notice a collection on my account. For the amount of {$890.00} from ACcount Resolution a service - I spoke with a rep they stated that it 's for XXXX XXXX - my son a bill from XXXX 2012. I advised the rep that my son has state insurance.
06/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21224	Web	Servicemember
There are XXXX medical bills listed on my credit report that do not belong to me that I have no responsibility for. I have disputed this information with the credit bureaus and the collection agency to no avail. This incorrect information remains on my credit file
08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35244	Web
THEY HAVE REPORTED I OWE FOR A DEBT THAT ISNT MINE ALSO KEEP CHANGING DATES ON THE REPORT MAKING IT LOOK NEWER I REACHED OUT ASKED THEM TO TAKE IT OFF MY CREDIT REPORT AND OR SEND ME PROOF THEY HAVE FAILED TO DO SO I NEED HELP IN GETTING THIS OFF MY CREDIT REPORT
04/10/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 34983	Web	Servicemember
Account Resolution Services ( ARS ) is violating my rights under the NO SURPRISE ACT of 2022. I have a medical bill that a provider is claiming is out of network which is not accurate. Furthermore, they are charging me without my prior authorization. XXXX XXXX
01/20/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19111	Web
I went to the emergency room at the end of 2012. I was told my insurance covered my visit 100 percent. A couple years later I checked my credit report and this company reported a debt in collections on my report. Ive disputed several times with no response back.
03/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44004	Web
i verified that the debt was wrongly billed to me with XXXX hospital and they stated it should have been removed in XXXX and that it would be removed. they stated this on XXXX/XXXX/XXXX. i just checked and it still remains on XXXX/XXXX/XXXX on my credit report.
10/03/2019	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NJ 07052	Web	Servicemember
Frequently used the term of " Personal matter '' and frequently asking for my birth date. Refused to answer what was the call for and consistently calling me for my private information. I contacted the original creditor and completed the payments through them.
10/07/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43227	Web
I have reviewed my Credit report and found several account unrecognized items from your officeXXXX XXXX XXXX # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.
11/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34953	Web
I have 2 ARS collection notices, I was not notified of a medical bill ( s ), I was never provided with the Dr. information, date of service, itemized charges, I have requested information and have not recieved any proof from the collections that this is mine.
08/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77089	Web
I have been attempting to send Account Resolution Services ARS my identity theft affidavit and fix some of this fraud stuff but the address they published on my credit report is wrong. Please help.. this is killing me. I 've attached all supporting documents.
12/14/2022	Yes	Debt collection Medical debt	Communication tactics Called before 8am or after 9pm	NC 28803	Web	Servicemember
For the past several months, Healthcare Revenue Recovery Group ( HRRG ), has been repeatedly calling my phone before XXXX each day. I have requested a " cease and desist '' all communication ; but it has been ignored by HRRG. The harassment has been ongoing.
08/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30168	Web
ARS has been reporting unverified information to my credit reports. I have requested documents and they continue to refuse to send it or remove this information from my reports I have request this information by mail multiple times XX/XX/XXXX and XX/XX/XXXX.
06/09/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	OH 443XX	Web
This company called my cellphone 3 times between XXXX and XXXX this morning XX/XX/2023. My phone is set to do not disturb so calls do not ring through during a specified unless they are repeat calls. In this case, with the repeated calls I'm being harassed.
01/19/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 322XX	Web	Servicemember
This has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XX/XX/2023 {$910.00}
04/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
XXXX has been trying to collect debt that does not belong to me i have requested proper validation and which XXXX has refused to give me all they say its verify well i have a right to see what they call verify they have failed to provide me this information
07/28/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33029	Web
This debt was due to an XXXX visit where I clearly stated I did not have insurance and was unable to pay the bill. I was treated for a XXXX, and was not advised that I would be placed in collections for my inability to pay. This amount should be discharged.
07/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33032	Web
Account number XXXX ARS ACCOUNt RESOLUTION is reporting false information on my credit report this debt does not belong to this identity theft I did not do any business with XXXX XXXX XXXX XXXX please remove this account else I wouldve to take legal action
07/24/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77380	Web
I have allot of medical bills damaging my credit. I can't even get a apartment on rent so I can live In peace. I talked to a paralegal and he said that medical bills shouldn't be apart of your credit. Please remove this. The company name Is XXXX XXXX XXXX.
03/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07748	Web	Servicemember
There was a medical collection placed on my report from ARS Account Resolution. When trying to verify the debt and ask for a letter to be sent to me so I can settle it through my insurance company, I was hung up on. I called back and was hung up on again.
07/31/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08054	Web
I was XXXX on XX/XX/2017the state of Nj thru VCCO ( victim comp. Fund ) paid all the medical bills they rec authorization to obtain and pay all bills associated to the matter this bill that is now in collections 2years later was also part of that matter.
04/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
XXXX XXXX XXXX - opened on XX/XX/2018 - balance {$200.00} XXXX XXXX XXXX -- opened XX/XX/2018 -- balance {$100.00} I don't have a contract/agreement with the agencies above. I request for this to be removed from my credit agencies ( XXXX, XXXX and XXXX ).
03/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 20748	Web
this account is a result of my identity being stolen I havnt authorized the use of my personal information regarding this account # fior ars account resolution # XXXX this is being fraudulently reported to the credit bureus and being held by your company.
08/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79936	Web
Account Resolution Services ( ARS ) has failed to respond my validation of debt letter sent certified mail - XXXX XXXX XXXX XXXX XXXX and they received on XXXX They are furnishing inaccurate information to the credit bureaus and hurting my credit rating!
01/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33426	Web
Contacted ARS ACCOUNT RESOLUTION, to get information about a debt. A woman named XXXX, became very rude and aggressive, using a condescending tone and got loud, rude and disrespectful, when I was asking simple questions. Had ZERO customer service skills.
05/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08054	Web
This debt was paid as a part of a claim with XXXX claim number XXXX two years ago. My claims adjuster was XXXX. The information is no longer available to me online. On XX/XX/2016 I was XXXX and XXXX the NJ victim compensation paid all medical expenses.
06/12/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 335XX	Web
This agency has three collections listed which I do not owe, I have requested many times verification and received nothing with evidence of these. XXXX XXXX XXXX {$1200.00}, {$1200.00} and again {$1200.00} all three are listed on my personal credit file.
07/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33810	Web
this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.
09/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 770XX	Web
This company is reporting inaccurate information as they are trying to collect on accounts without dates, no validation of debts have been provided, additionally these accounts are inaccurate and an investigation needs to be conducted to resolve this.
11/19/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77096	Web	Servicemember
I am a XXXX XXXX veteran and my medical benefits are fully covered yet I have several small medical collections on my credit report from XXXX which range from $ XXXX {$46.00}. I should have no medical collections since I am fully covered by insurance.
10/10/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17545	Web
ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Just got a notification on my credit report that this was added yesterday. I have no outstanding balances and dont even own a credit card. My information was stolen in the XXXX data breach.
08/31/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28117	Web
This company is reporting what I believe to be a medical debt according to my credit reports - the same debt is listed 6 times. This debt does not belong to me - I contacted the company and they refused to assist with removing from my credit report.
02/05/2020	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 60007	Web
HRRG calls repeatedly, several times an hour, but spoof their calls. Calls look like they're being placed by XXXX XXXX, XXXX, XXXX, XXXX, XXXX, etc ... .. If you want me to pick up the phone, you may want to be honest about where your calling from.
05/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OK 731XX	Web
I was paying HRRG the collection agency payments but turns out they are fake and XXXX are the ones that were handling my debt but they had the wrong address for me so I never received anything from them but instead I received information from HRRG
02/12/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60651	Web
On XX/XX/2019 I notice that XXXX XXXX XXXX was reporting on my XXXX, XXXX, and XXXX Credit Report an amount of {$660.00}. I send a letter requesting a signed contract with my signature due to me having no acknowledgment of this company or account
02/07/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33009	Web
A XXXX doctor is reporting the debt from an XXXX visit to a public hospital. XXXX credit collection purchased the debt but has refused to provide proof that the debt belongs to me. I am attempting to have this debt removed from my credit report.
07/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43147	Web
All 3 credit reporting agencies ( XXXX, XXXX, and XXXX ) are reporting a medical alleged debt less than {$500.00} ( XXXX ) on my consumer report. I sent letters telling them to remove those collection on my consumer report but they did not do it.
03/13/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33025	Web
XXXX XXXX XXXX XXXX has failed to provide original documents with my signatures nor verification sheet disclosing information. XXXX is using the E-OSCAR not providing verification and missed the 30 day deadline provided in the verification sheet.
10/14/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33511	Web
I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my right to privacy.
07/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33181	Web	Servicemember
I have no idea who or what this account is, I've never gotten any type of contact from them I only know because I've recently been checking my credit score more often. I've written and called them multiple times but I've never gotten a response.
07/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 070XX	Web	Servicemember
I contacted by phone multiple times and attempted to get information on where and when this debt was incurred. I received no information only that they purchased this debt and I better pay it. I am exhausted from trying to resolve this problem.
11/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34744	Web
After reviewing my credit report, I've noticed a medical collection account reporting to my XXXX credit report. I've reached out to the company for documentation showing the debt is mine, but haven't received a response after several attempts.
05/28/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 748XX	Web
I have never seen this before, there is an account that is listed on my credit file that is unknown and inaccurate as I do not owe. Why wasn't I informed of this? Given the right to dispute? Provided validation? I need help this isn't right.
07/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 74133	Web
i paid with from my tax return of 2017 i mailed in a check and it was deducted from my account. its very unfortunate to just find out recently that it was still on my credit i am really devastated to this and that is why i am disputing this.
07/31/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
I have workers compensation and was injured on the job. The staff took information and I did not take down the info as WC. I forwarded the 2 bills to the risk managment department as instructed but they still appear as my personal debt.
07/31/2017	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 33125	Web
today, XXXX XXXX, 2017, I received a call in which they left a recorded message. XXXX XXXX that she is looking for me to serve me with the summons. If she does not find me at my home, she will proceed to find me at my place of employment,
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 336XX	Web
ARS Account Resolution Account # : XXXX XXXX They have failed to respond to my letters about incorrect account information. It is against the law and a violation to report health information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
12/06/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77087	Web
I have contacted the creditor multiple times asking for debt validation in which they ca n't provide I even have recorded conversations that they have said they can not verify the collection I just want this debt off all 3 credit bureaus
04/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 075XX	Web
I had medic al Insurance an d they refused to take down information. I was on public assistance and I had a government issue insurance in XXXX , PA XXXX XXXX DOB XX/XX/1971 PA address XXXX XXXX XXXX XXXX , PA XXXX
06/28/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	PA 19140	Web
I have XXXX and XXXX I'm not responsible for any medical bills. I have submitted all of my policy numbers to the collections ARS ACCOUNT RESOLUTIONS and hospital billing department and they just will not remove it from my credit report.
08/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33023	Web
I don't have anything on my credit except numerous of accounts from one company ( ARS ) that has been on there for years, I have not ever received anything about these alleged debts, and many of them even with the same account numbers,
08/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77042	Web
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ACCOUNT RESOLUTION SERVICE plus they did not provide me with the original application like I asked. Account XXXX XXXX XXXX : {$130.00}
12/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
XXXX XXXX XXXX in the amount of {$180.00} is appearing on my credit report from XXXX XXXX. I have no recollection of such debts and have disputed severals and no proof have been given to indicate that these two charges belong to me
04/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08054	Web
I was victim XXXX XXXX and was take to hospital all expenses were part of a claim with NJ victim comp fund claim # XXXX this company did not submit bill in a timely fashion and claim is now closed I am not responsible for this bill
04/08/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	MT 598XX	Web	Servicemember
was notified through my bank someone added a debt on my credit report. the agency that reported me is ARS ACCOUNT RESOLUTION. I 've never been notified by them, received mail or a call, I have no clue as to what this is for or why.
04/18/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NJ 08701	Web
I changed my phone number because they have called me repeatedly! I dont know what company it is or what the debt is for. I have head medical insurance for years so I don't understand how I owe. and isnt that a violation of HIPPA?
07/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43207	Web
Per tracking, Its been XXXX 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
03/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 953XX	Web
hello i saw i have a collection from ars account resolution but i do not owe this company any money i don't have a contract with this company i request they delete off my credit report asap per HIPPA violation and FCRA violation.
08/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43206	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
12/01/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72756	Web
Service date : XX/XX/XX/XX/XXXXAmount Owed : {$610.00} The debt is owed by my mother. She had custody of him during this time. I have constantly told HRRG that I did not have and dont have custody so this should be debted to her.
09/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NM 880XX	Web
I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX and I do not have a contract with XXXX XXXX plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$950.00}
08/01/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32025	Web
I recently checked my credit report and discovered that this company has reported that I owe them a debt and to my knowledge they have never provided me services nor goods. My rights were violated under section 809 of the FDCPA
02/05/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA 24012	Web
I did not receive a 5 day notice to this debt before it was resinsrter into my credit file. I did not receive my right to dispute letter for these. I do n't even know what these debts are or what year they are from or anything.
03/25/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32771	Web
Date Was Paid XX/XX/2022 They Even Sent Out The Deletion Letter So I Emailed Them With A Copy Of Receipt Paid In Full Didnt Receive Any Feed Back So Know Im Moving Forward With The Complaint And Its Still On My Credit Report..
02/11/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 79925	Web
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. account number : XXXX amount disputed : {$1500.00}
09/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33312	Web
I have try to explain this company that this debt was already remove from my credit file due to identity theft XXXX XXXX sold my information to ARS Account with out my permission. I advised them to remove from my credit file.
02/13/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33462	Web
XXXX is sending me a bill for physician services, however I do not believe the debt is mine. I have asked for proof twice, that this is my bill. They still are not providing it to me, I do not spell my first name with a XXXX.
01/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32244	Web
This medical bill was sent to a third party collection agency without my permission or signed consent to share peronal information.The collection agency is ACCOUNT RESOLUTION SERVI. The original creditor was XXXX XXXX XXXX.
11/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33407	Web
ARS account resolution, And XXXX XXXX haven't provided me the documents that i asked them to provide to me, I've read that there is a total of 15 days for them to provide me the information, And it's been more than 15 days.
07/25/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NJ 08054	Web
This company has placed a debt on my credit file about a debt that I know nothing about. I have contacted them regarding this matter numerous times with no response. They are being an annoyance to both myself and my family.
09/17/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 32773	Web
This account was sold to third party collections without my consent and was not told about this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
04/13/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 344XX	Web
I sent a debt validation letter via certified mail they received on XX/XX/22. This company has failed to validate my debt. please delete this information from my credit file and cease all collection activities immediately.
09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 77386	Web
The ARS Account Resolution that is listed on my report is inaccurate. There is no address and I have never heard of the company much less ever had an attempt to contact. There is no address or phone number for them either.
09/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77063	Web
Phone calls being repeated multiple times a day, even after clearly stating that due to COVID the income in my household has been cut to less than 40 %. Not a verifiable debt, not one recall of using there services at all.
06/25/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 335XX	Web
i sent 4 different letter to account resolution service on XX/XX/2020 about items on my credit report with different alleged balances that they say i owe. i have attached the letter below in the complaint for your reading.
07/15/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 799XX	Web
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$1000.00}
08/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 10458	Web
Received letter dated XX/XX/XXXX from HRRG stating " Our client has authorized us to offer you this settlement. '' Account balance {$1700.00}. Don't know this card, never applied. Been totally disabled since XX/XX/XXXX.
01/17/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 79936	Web
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$1000.00}
11/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33025	Web
never received any letter in regardint debt before it went to collection now i have company calling me multiple time a day and my credit report show them now saying that i owe them {$1800.00} and anothe one for {$73.00}
01/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77040	Web
I am not aware of this debt nor do I believe I owe this debt. I disputed this with the credit bureaus and they refuse to remove this from my credit report, The company failed to provide debt validation for this account.
05/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 12603	Web
XXXX says they represent XXXX XXXX XXXX for bill collection. XXXX says their bill has XXXX balance. If your client has XXXX balance since XX/XX/17 and XXXX insists they are representing client, why are they pursuing me?
07/06/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WA 980XX	Web
XXXX sent a letter stating I owed {$600.00} to XXXX XXXX XXXX for service date X/X/17. It was not my correct first name. XXXX instead of XXXX. My middle name however is XXXX. I have never used that health vendor either.
01/11/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TN 38016	Web	Servicemember
I received a letter in the mail stating that I owe {$2000.00} from a creditor named XXXX. I am in the military so I have insurance. Furthermore, I have not been to Florida in 5 years but the debt is from XXXX XXXX 2016.
07/08/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 79927	Web
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$1400.00}
04/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33897	Web
Hello There's a debt collection company, " Account Resolution Services '' The collection agency is violating State Licensing Requirements ( FLA. ) They have also reported a debt on my record that does not belong to me.
09/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33023	Web
Upon checking my credit report i realized there is a depth collection on my report trying numerous times to collect a depth that i have no knowledge of i have not signed nor entered into any agreement with this company
07/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 360XX	Web
ARS COLLECT that couldn't provide me with my signature. ARS COLLECTION violate the HIPPA policy. They didn't give me of a contract that I made with them and I. I sent them letters and they could not give me no answers.
04/27/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 088XX	Web
ARS ACCOUNT RESOLUTION is reporting an account # XXXX on my credit report which does not belong to me & has been calling me & threatening to pay them a debt which does not belong to me & must me deleted from my report
12/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 14220	Web
ARS ACCOUNT RESOLUTION - {$250.00} I called ARS and they could not provide me with a copy of the bill in question or what services were given. I do feel that this is my deceased fathers debt, as we have the same name.
08/02/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	FL 33144	Web
They call restricted or different numbers at any time day. All I know is that its ARS collection agency. I really dont know much about my case so I dont know if this is real or a scam. But they call at any given time.
11/07/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
The medical bill was caused by a personal injure case due to a motor accident. The other party 's insurance admitted full liability and responsibility. In another word, the debt is under the other party 's insurance.
02/24/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 43123	Web
I have disputed the reporting of this account because it has been reported twice on my credit report. The company and all three credit report agency refuse to fix it. I need someone to help get this corrected. Please
06/09/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85042	Web
Requested that HRRG provide binding contract with two signatures for this alleged debt, but HRRG fail to provide. Illegal amount calls per violation of Fair Debt Collection Practice Act. Request to cease and desist.
03/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 128XX	Web
I have tried disputing a delinquent account that is showing on my credit report twice. The dispute was denied. This is something that is really affecting my life, as it made my credit report decrease by XXXX points.
11/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 79912	Web
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX I do not have a contract with ARS plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$1300.00}
09/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43211	Web
There is an account on my XXXX credit report that is fraudulent and is coming up with ARS ACCOUNT RESOLUTION Solutions, this account is inaccurate and it is violating the fair credit reporting act and hipaa laws.
01/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33025	Web
i did n't have any knowledge of this debt under my name. Do n't know if my family use my alias to go to the hospital but i can tell you one thing that is was n't me. calls after calls after calls kept harassing me
08/25/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IN 46901	Web	Servicemember
This is a duplicate biill and i was on XXXX at the time. im being charged the exact same amount for a charge they refused to blil insurance for. Please remove both. Im following with a duplicate dispute as well.
11/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33610	Web
ARS ACCOUNT RESOLUTION HAS AN ACCOUNT THAT IS NOT MINE/INACCURATE. DELETE AND REMOVE, DO NOT SELL, REPORT, TRANSFER OR RE-POST. SEND VALIDATION OR ORIGINAL SIGNED CONTRACT BETWEEN ME AND THE COLLECTIONS COMPANY
05/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32807	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mol 281 SW 715,719, I presumed that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists
07/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NY 10463	Web
Amount of debt {$3700.00} I have called them a lot of times and they keep repeating themselves that a letter will be sent to me but never received anything from them. This has been going on for a few months now.
07/18/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32258	Web
After given several cease and desist notices still sending several written communications. Even attempting to have XXXX XXXX XXXX harass consumer. Refusing to comply with consumers request to cease and desist.
03/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33610	Web
ARS ACCOUNT RESOLUTIONS HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE. THEY REFUSE TO DELETE. I DO NOT HAVE A WRITING CONTRACT BETWEEN ME AND ARS ACCOUNT RESOLUTION. FOR OWING ANY SUCH DEBT OR COLLECTIONS.
04/05/2022	No	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33169	Web
XXXX remove collection from my credit report but XXXX AND XXXX still showing that ARS collection is still in the collections, and theres people applying for credit cards in my name plus using my phone number.
07/01/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32225	Web
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$950.00}
12/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 24017	Web
XXXX XXXX XXXX purchased {$600.00} medical bill originally from XXXX XXXX XXXX which is 4 years old was paid by insurance. this company keeps trying to collect on debt that were paid in full by insurance.
10/29/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 384XX	Web
HRRG calls everyday, sometimes multiple times a day. On one occasion called, asked my name and hung up. They already sent correspondence through the mail. I'm not sure why they think I need to be harrassed.
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 142XX	Web
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
10/11/2020	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	NY 11212	Web
ARS : Account Recovery Solutions Account # XXXX {$1700.00} Medical Report is a HIPAA Violation by sharing my information with ARS. No contract with ARS or signature. ARS reporting on XXXX, XXXX, and XXXX
06/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 61822	Web
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.
03/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77089	Web
XXXX debt collections keeps sending my letters and reporting false information stating i owe a medical debt i have sent several letters asking for validation but yet i have not received correct documents
03/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PR 00956	Web
XXXX XXXX XXXX reported items to my credit files as they should be Bill to the state of Florida Medicaid program through the hospitalper the information provided by personal at the time at the hospital.
01/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 774XX	Web
This debt is from XXXX XXXX, 2014 -- 3 years and 1 month old. This is a Medical Debt that 1. ) I did n't know existed 2. ) I understand that medical debts are not to appear on a consumers credit report.
04/15/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44145	Web
This company is trying to collect a debt in the name of someone else. I have never conducted any business with this collection agency and medical information should not be disclosed according to HIPPA.
12/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30168	Web
I recieved a copy of a collections bill from XXXX XXXX XXXX and would like debt validation from them and XXXX XXXX- I have been disputing the validity of this debt and it continues to not be validated.
02/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	MO 63121	Web
I have numerous medical bills on my credit report which goes against the laws. XXXX XXXX have to open accounts on my credit report, account resolution services, XXXX XXXX and account resolution corpo
05/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
09/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33009	Web
ARS has mail letters for years. I consider that MAIL HARASSMENT! 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.
07/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33029	Web
I have sent a mail asking the agency about to validate the debt in XX/XX/2020. I have not received any further communications. I tried to cal them and no one picks up the phone during business hours.
12/18/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19335	Web
HRG calls me every single day for someone named XXXX XXXX. I do not know this person and I have informed them of this and they continue to call and leave robocall voicemails every single day at XXXX.
01/13/2022	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	FL 33460	Web
I have not supplied poof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, I presume that NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.
02/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 329XX	Web
ARS RESOLUTION COMPANY XX/XX/20 FOR XXXX DOLLARS XXXX DOLLARS AND ANOTHER XXXX DOLLARS I DISPUTED THE CASE THROUGH XXXX I DO NOT OWE THIS MONEY TO ANYONE I DO NOT KNOW ANYTHING ABOUT THIS THANK YOU
05/03/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77038	Web
The following agency is not bonded in the state of Texas and can not legally collect debt. Account Resolution Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX
10/19/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OK 73071	Web
I 've never received any bill from the creditor or written documentation from the collection agency. They call asking for personally identifying information. Have failed to provide this on request.
06/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19132	Web	Servicemember
XX/XX/XXXX, {$680.00} XX/XX/XXXX, {$1600.00} XX/XX/XXXX, {$1000.00} XX/XX/XXXX, {$940.00} These all are on my credit report in collections and I have no knowledge of ever making these transactions
05/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 08002	Web
I called and paid the debt over the phone. It was paid In Full. Please follow up with ARS. This debt was not validated in XXXX as the results say. Please contact me if you have any questions. XXXX
11/21/2017	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	PA 190XX	Web
Account : ARS Account Balance : XXXX Date : XXXX XXXX XXXX. This account is not mine continues to send letters Account : ARE Account Balance : XXXX Date : XXXX XXXX. This account is also not mines
10/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 35216	Web
I am not aware of this debt. This company has not proven that this debt is in fact mine and just placed on my credit report without proof. Also it is a XXXX violation. Please remove immediately.
11/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07040	Web
I saw these account in my credit report and I am really bothered what is going on. Why does this account appear and it has a lot of missing information. Please help me get them out of my report.
01/07/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77033	Web
I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$110.00}.
06/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33417	Web
On XX/XX/2018 the company account resolution services contacted me about a debt that is not mine for {$1600.00} I have no clue about this debt and would like it to be took it off my credit score
04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CA 91042	Web
ARS wont allow me to get a copy of my consumer report. I have a right to see what they are reporting on me. They are giving me error messages. They will not allow me to freeze my report either.
09/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32792	Web
On XXXX I was made aware of a collections added to my credit report. The amount due is {$96.00} and the company was ARS. I wasn't made aware of this debt until it popped up on my credit report.
03/14/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46342	Web
Account Resolution Services contacted me, about a hospital debt. I ask for debt verification I just received a bill from Account Resolution Services. That is not a proper verification of debt.
03/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32826	Web
Account Resolution Services. {$1000.00}. Open date XX/XX/2018. My credit has been severely affected by this and I have No knowledge of this collection account or No Contract with this company.
05/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
10/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30328	Web	Servicemember
I have filed identity theft affadavit with the ftc on this debt.this company is still trying to collect the debt and have not provided any verification of the debt having my wet ink signature
05/22/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 44134	Web
# XXXX ) ARS {$890.00} i XXXX XXXX have contacted ARS about this debt. However, they referred me to send a signed XXXX statement, and this debt is still on my credit report.
10/21/2021	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	FL 33143	Web
Disputed collection. Had it removed to come back with a date that I wasn't in any hospital. Didn't go to any hospital the year of 2020 but the dates says otherwise ... .fraudulent collection
12/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32707	Web
I have multiple duplicate charges on my credit report as a result Of identity theft from ARS account resolutions. None of these services were rendered. I have never used this company before.
12/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
Account number XXXX Date opened XX/XX/2019 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department
11/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43123	Web	Servicemember
I am being charged for XXXX XXXX XXXX XXXX {$1700.00} by ARS and this account isnt mine I want it removed from all three creditors and remove XXXX I was approved XXXX discharge last year.
04/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 278XX	Web
I have disputed this debt numerous times with the collection agency. This debt is not mine, it is my daughters. I have sent proof showing that this is not my debt and nothing has happened.
09/12/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	PA 17701	Web
I CONTACTED THE DEBT COLLECTED AND MADE A PAYMENT TOWARDS THE AMOUNT OWED. THEY ARE STILL CALLING THREE OR FOUR TIMES A DAY. THIS COMPANY WILL NOT WORK WITH YOU AT ALL. THEY ARE VERY RUDE.
03/01/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32819	Web
Debt validation letter sent XX/XX/2022, company responded with a name that is incorrect and company responded back XX/XX/2022 unable to validate debt. Please remove from my credit report.
10/11/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33165	Web
I contacted all of the collections on my credit bureaus. I asked for debt validation and verification letter confirming details of debt and I haven't received any information or response.
08/20/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33414	Web
I have a collection account listed on my credit reports by a debt collection agency, agency ARS ACCOUNT RESOLUTION I am not aware of this account, and I have always had medical insurance.
12/01/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32707	Web
I try to call ARS Resolution services and explain the I have medical insurance the amount was XXXX my deductible XX/XX/18 they said that I owe XXXX and putted in my credit as collection
05/03/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 334XX	Web
this company obtained my personal information without my consent and is reporting on my credit report for a debt of {$140.00} that I do not owe them. they are also violating the HIPPA law
12/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 44035	Web	Servicemember
I have no knowledge of said debt and I would like it removed as it is reporting negatively to the credit bureaus and causing catastrophic damage to my credit report and financial freedom.
10/30/2019	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	DE 19720	Web
on XX/XX/2019 I mailed a validation of debt and cease and desist all phone calls letter. The letter was received by XXXX on XXXX, XXXX I am still receiving phone calls from the collector
12/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77047	Web
I Reached out to the company and sent out a cease and XXXX letter months ago and did not get any information back. I just want this Stuff off of my Credit Because it is not my account.
09/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60620	Web
XX/XX/2019 I noticed this balance on my credit history from ACCOUNT RESOLUTION SERVICES. Tried to call them to see what company was associated with them never got a response from them.
04/14/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NJ 08610	Web
XX/XX/XXXX mailed certified mail to request validation by certified mail ( see attached ) XX/XX/XXXX have not heard from them and they have not marked my account as a dispute submitted
06/28/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46312	Web
My consumer rights are being violated. I have contacted this company for debt validation, and have also sent a notice to cease and desist of all illegal activities and communications.
06/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32244	Web
I reached out via phone call to the collection agency who claims I owe the debt, when I explained I have health insurance and it was paid the collection agency still tried to collect.
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 Was not notified of investigation status or results	NC 28211	Web
I have attempted several times to have ARS ACCOUNT RESOLUTI to verify the debt that has been reported on my consumer report and I have not heard anything in reference to this account.
08/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77034	Web
I sent this debt collector asking to verify this debt. They did not include a copy of the medical documents I requested. Instead they sent me another letter stating I owe the amount.
06/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79936	Web
From XX/XX/2020 until XX/XX/2020 I have sent out letters to the collection agency asking to verify the amount is owed is mine and still have not gotten any verification stating it is.
10/11/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NJ 07054	Web
A debt collector keeps calling me about a family members debt. I do not own this debt yet they call me everyday while I am working from home. I told them to stop but it keeps coming.
03/27/2019	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33010	Web	Older American
They make a daily or twice robocalls to my home number and they used different numbers to call, I'm sick and tired of receiving their calls, the company is called HHRG XXXX XXXX XXXX
12/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
ARS Account Resolution XX/XX/XXXX Amount {$200.00} I dont have a contract/agreement with the debt collector This debt was already settled with original creditor on XX/XX/XXXX XXXX
08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34119	Web
THERE HAVE BEEN SEVERAL CONSUMER REPORTING AGENCIES THAT HAVE STOLEN MY IDENTITY. Under the federally protected consumer act, this is illegal and needs to be stopped immediately.
02/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33055	Web
I demand this be DELETED from my credit score. I am being XXXX with phone calls at all hours of the day. This collection was paid to the original creditor by XXXX XXXX long ago.
06/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33610	Web
the is an account on my credit report tha'ts not my and maybe the result of i.d theft or some sort of cyber hack. delete and remove, do not sell, transfer, repost or re-report.
09/03/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 33314	Web
Im getting non stop calls of hospital bills from collection agency a.r.s they call from multiple numbers. When i told them stop harrasing me they started calling more frequently.
11/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31705	Web
I file a claim on XXXX because the company fail to verify this debt. the company responded and never sent me verifiction of this debt. this needs to be removed from all reports.
01/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33055	Web
I've sent out numerous letters to ARS they have not responded to any letters XXXX has reported unvalidated debt they have not investigated and violated my rights under FCRA Laws
03/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33510	Web
Unknown collection listed, no validation ever received, inaccurate information and needs to be removed. I do not owe such an amount nor have ever done business with this company
10/13/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 33009	Web
XXXX, XXXX.has continue to keep inaccurate information on credit report. Damaging my character. I will move forward to report XXXX, XXXX XXXX ARS to ATTORNEY GENERAL 'S OFFICE.
06/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 38118	Web
My Medical debt was discharged in my bankruptcy. The debt is repeatedly getting removed and added back on my credit report impacting my score. I am tired of the numerous calls.
07/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33054	Web
I requested ARS to give me proof of this debt. On both attempts ARS did not give me any kind of proof. This debt doesn't belong to me, nor does ARS have proof this is my debt.
12/10/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 751XX	Web
Healthcare Revenue Recovery Group sent me a letter stating will obtain a copy of a judgement and mail you a copy if I dispute the validity of this debt or any portion thereof.
05/24/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OK 740XX	Web
I received notification of a collection account on my XXXX and XXXX credit report, wiht ARS for {$470.00} to which is Identity Theft and I have reported it to them repeatedly.
10/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34746	Web
This account was opened fraudulently by XXXX XXXX XXXX XXXX XXXX XXXX. I did not go there and I do not recognize this charge. My information was stolen from another web site
08/10/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	OH 44137	Web
ARS Account Resolution is reporting invalid information to my credit report. I have asked for Verification of the following accounts XXXX XXXX XXXX and have yet to receive it
07/27/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 142XX	Web
I am not liable for the debt with XXXX XXXX XXXX XXXX. I dont have a contract with Ars Account Resolution, they did not provide me with the original contract as I requested.
08/20/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33611	Web
Collection agency can not provide information regarding original office where services were rendered. I have paid all debts in relation to the hospital visit on XXXX/XXXX/13
01/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79764	Web
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.
01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34741	Web
This account ARS is a complete violation of the no surprise act. Delete immediately my privacy is protected under XXXX XXXX if you fail to remove litagations will follow.
10/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33810	Web	Servicemember
I have attempted to resolve this via the credit bureaus and with ARS ACCOUNT RESOLUTI directly and I have yet to receive any form of validation for this erroneous entry.
06/21/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29720	Web
I disputed the debt with the credit bureau wanting to have the debt verified but all I received was typed up letters. I have no contract with Account Resolution Services
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33147	Web
I have taken action on the amount of XXXX many time please help remove unaware of this, Stated the date opened was XXXX. I have many hard inquiries I'm unaware of also.
08/30/2022	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	FL 33009	Web
I continue to dispute my credit report, but XXXX continue to send back information verified. If I can't find results my next step will contact FTC and Attorney general.
03/16/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76140	Web
I have never done business with these people. With HPPA laws, if it was someone else that I may have owed, They can not share my information. This is not a debtg I owe.
10/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
I have never signed any contract with this company. This company is violating HIPPA laws by disclosing to credit reporting companies medical information for collection.
08/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 074XX	Web
Insurance has paid 2 XXXX XXXX XXXX XXXX and they refuse to XXXX refuses to remove them. they keep calling XXXX not the Drs. XXXX and XXXX have it paid XXXX wont fix it
04/30/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33619	Web
There is as a unknown account listed on my personal credit file. I have disputed with no validation ever being received. Please help as I do not owe anyone XXXX at all.
02/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60827	Web
I have medical insurance. I have not had any medical debt. Someone else used my information when they visited the hospital. Please remove this debt from my credit file
10/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33313	Web
Medical collections company have violated my HIPPA rights. No HIPPA form was signed for this collections company to access my medical records. And this is a violation.
07/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73132	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
05/28/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 225XX	Web	Older American, Servicemember
Repeated robocalls From HRRG debt collection 3 to 4 times daily asking us to call 800 number. We have no outstanding debts. Calls come from different numbers each time
05/28/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 770XX	Web
This was for a medical procedure that was contingent on it working.My MD & me agreed if it did n't work, I would n't be charged. We worked at the same hospital system.
04/20/2019	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	TX 774XX	Web
XXXX is continuing to report unverified trade lines on my credit file, I've attempted 3 times to get them to send proof they have authorizition to collect these debts
06/23/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11510	Web
This account has been unauthorized and illegally opened not by XXXX XXXX XXXX. Due to that this account needs to be removed ASAP from all 3 credit bureaus. Thank You
06/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89147	Web
I have attempted to resolve this situation with Ars. This company is reporting that I owe two accounts to them. These accounts are fradulent. {$210.00} {$1200.00}
07/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30224	Web
DEBT COLLECTOR WAS PAID IN FULL/ ARS WAS NOT IN COMPLIANCE ' INSURANCE COMPANY, PAID DEBT IN FULL AND SHOWED PROOF OF PAYMENT. FROM ( CFPB ) DOCUMENTS SCANNED IN.
04/22/2018	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77489	Web
This company XXXX, XXXX XXXX XXXX, is not only reporting invalidated information on my credit report but they are not bonded for collections in the state of Texas.
11/27/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 78754	Web
The company is XXXX. I paid {$500.00} dollars and I just wanted my refund. They stole the money, I had insurance for the medical bill. The number is inactive now.
02/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77304	Web
ARS is claiming that I owe them {$370.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
11/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
I was checking my credit report and I notice 5 collections were added to my report from Ars I have never received any notification of this debt by mail or phone.
08/22/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 341XX	Web
On XX/XX/2015 I was injured and had to go to the hospital. I was charged {$990.00} and since i didnt have insurance the rate was significantly higher. XXXX XXXX
01/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78753	Web
This bill was paid by the insurance company past 12 months ago, now I am being charged again for the same debt. The hospital states that payment was recieved.
10/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 79938	Web	Servicemember
I noticed that there was a charge off collection added onto my account that i havent done. I contacted the business but was unable to anyone who could help me.
09/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 44108	Web
On XX/XX/2018 a letter was sent to verify the debt. XXXX XXXX XXXX never sent me any documentation verifying that the debt was mine. I do not recall this debt.
01/01/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33308	Web
Account resolution services XXXX XXXX XXXX XXXX BXXXX XXXX XXXXXXXX XXXXXXXX XXXX, FL XXXX This is definitely a fraudulent account I am disputing this as well
05/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33009	Web
Account Resolution Services have not validate the alleged debt. Did not provide HIPPA signed document. Sold unvalidated debt to the other collection agency.
10/05/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 774XX	Web
I have contacted the company and resolved the owed debt with promise that the item would be removed from my all XXXX credit reports and it is still reporting.
03/18/2021	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 43607	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.
03/18/2021	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 77356	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.
03/18/2021	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 436XX	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.
03/15/2021	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.
03/14/2021	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 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.
03/14/2021	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 Investigation took more than 30 days	OH 43607	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.
03/14/2021	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 Investigation took more than 30 days	OH 43613	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.
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 436XX	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.
10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33150	Web
I Have serval item on on my credit report that was fraudulent open and i did everything in my power to get these items removed and i been giving a hard time
04/19/2017	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	MI 481XX	Web
They keep calling me almost every day. I do not have the means to pay them right now. For them to continue to call and harass wo n't make me have the money.
02/03/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30213	Web
I, XXXX XXXX, consumer, have come to the understanding that ARS Accounting Resolution Services is in violation of my rights to privacy. ( see attachments )
04/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34667	Web
This company is stating I owe a debt which I called the hospital and I do not owe anything. I have requested validation and nothing has ever been received.
04/26/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77096	Web
The collection is not bonded in Texas and can not legally collect debt. Please remove accounts from my credit report and confirm that the debt is not owed.
04/16/2019	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 Investigation took more than 30 days	FL 33167	Web
On XX/XX/2019 I sent a certified letter to XXXX XXXX XXXX requesting the send a letter of validation. The company only sent 4 out of 7 things I requested.
04/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77380	Web
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
11/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34953	Web
paid off the debt in full, did not take an " offer '', paid in full and the collection is still on my credit report. The collection needs to be deleted.
03/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77373	Web
ARS ACCOUNT RESOLUTION is claiming that I owe them {$1400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
02/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77373	Web
ARS ACCOUNT RESOLUTION is claiming that I owe them {$1400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
02/18/2021	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	NY 142XX	Web
I have filed a dispute in regard to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
07/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75219	Web	Servicemember
On this day, XX/XX/2017, {$1500.00} appeared on my credit report. I do not have any knowledge of this debt and would ask to have it removed immediately.
02/13/2021	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 Was not notified of investigation status or results	NJ 08105	Web
I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.
11/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32308	Web	Servicemember
Contacted company XXXX XXXX XXXX explained that I didn't know about debt and it wasn't mine. Do not know when it was added to my credit file {$950.00}
02/16/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	OK 73160	Web
I have medical bills in my name in places I never stayed around times where I lost my wallet and didnt know how serious it was to keep up with your id
09/23/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60641	Web
I paid a debt to XXXX XXXX XXXX I paid them {$140.00} to pay my debt and have the collection removed from my credit report and that have not done so
10/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33143	Web
Ars has changed dates to reflect a newer account that affects my credit score. I wasn't in any hospital in XX/XX/2020 but they have dates that I have
12/19/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
I 've tried to get this item remove, but this company keep giving me the go around. Since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
05/01/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 707XX	Web	Servicemember
This Medical Debt Collection on Credit report for ACCOUNT RESOLUTION SERVI keeps being removed then reappears back on my credit report fraudulently!
08/30/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08016	Web
sent certified letter to XXXX requesting a settlement of this alleged debt. did not receive any communication from XXXX regarding this alleged debt.
07/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 773XX	Web
I paid this Debt XXXX XXXX in the amount of {$50.00} abs the customer representative says they will remove the debt from my credit and they have not
01/28/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77077	Web
This Debt reporting on my Credit Report is not mine. I have no prior dealing with this company and with the debt that is attempting to be collected.
11/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34667	Web
There is an account showing up on my credit which isn't mine nor was I ever aware of this. Please help assist I have disputed with nothing returned.
01/22/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33147	Web
They are failing to validate debt in which they said was mine. i have tried several times but what they are sending me is not debt validation letter
02/01/2018	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 77071	Web
XXXX XXXX XXXX and XXXX XXXX XXXX are continuing to collect on a medical bill that has already been paid. This is also showing on my credit reports.
10/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Web
XXXX XXXX XXXX is trying to collect on a debt for XXXX that is not mines. I do not have a contract with this company or any debt with this company.
05/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08046	Web
I have no Knowles of this account and have requested to the debt collectors to send my anything with my signature on it which they have yet to do.
08/21/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33009	Web
I start XXXX payments a Long ago and nothing is reflected and I start today an arrangement with them to pay bi weekly and is not reflected neither
10/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30076	Web
I have never sign contracted or have anything to do with this company. They are violating HIPPA law by disclosing medical reason for collection
12/27/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 98229	Web
THEY HAVE BLOCKED MY PHONE NUMBER SO I CAN NOT CALL THEM BECAUSE THIS IS A DEBT THAT SHOULD NOT EXIST. OTHER PEOPLE CAN CALL THEM, JUST NOT ME.
06/26/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77502	Web
I KEEPING GETTING CALLS FROM THIS COMPANY AND I HAVE NO IDEA WHY THEY ARE CALLING ME ALL THE TIME, I HAVE NO ACCOUNT WITH THEM NOR HAVE I EVER.
03/31/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70119	Web
someone has been going to the hospital under my identity, which is fraud. I also have active XXXX insurance, and it is placed for collections.
06/30/2015	No	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	PA 19446	Web
I have a debt from a XXXX I had back in 2009 when I was in college. I could not afford to pay the bill and did not have insurance at the time.
04/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77346	Web
I have no knowledge of this debt. I attempt to request for contract or any legal documents showing proof. No documentation has been provided.
09/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32211	Web
I have been disputing and are not getting a timely response and I need answers because the account listed is NOT mine or you dont recall it.
10/10/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33029	Web	Servicemember
New collection on my credit XX/XX/2017 for {$530.00}. I am disputing this collection. Never heard from them before, I do not owe this debt.
12/20/2020	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 Investigation took more than 30 days	TX 78244	Web
I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response
06/03/2019	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	OH 44137	Web
I never lived at this address I never apply for service with this company I dont know who they are and I want this nightmare to end please
11/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33055	Web
Please delete this account, if in casa that you can proof it. ARS ACCOUNT RESOLUTION, date opened in XX/XX/2018, with {$510.00} of amount
02/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	NJ 08105	Web
information on credit report is not mines i have no knowledge of the collection and would like for it to be removed off of credit report
05/04/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 328XX	Web
Constant calls during late nights or early mornings and during my work shift. If I block the number theyll just call using another one.
05/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NV 89103	Web
I did not recieve any medical attention in the year 2018. This debt does not elong to me nor would it reflect my actual medical records
01/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33805	Web
on my credit report it says XX/XX/2017 Account Resolution Services I never signed with his company and have no knowledge of the company
03/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
XXXX is claiming that I owe them {$160.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
03/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77301	Web
ARS is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
03/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77354	Web
ARS is claiming that I owe them {$1700.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
06/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 085XX	Web
AN AMBULANCE WAS CALLED FOR AN EMERGENCY AT MY HOME. I NEVER AUTHORIZED THE USE OF AN AMBULANCE, THEREFORE GET STUCK WITH THE BILL!!!
09/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90250	Web
MY IDENTITY WAS STOLN AND I DO NOT KNOW OF THAT DEBT AT ALL. IT WAS TWO DEBTS WHICH IS FROM ARS FOR {$800.00} AND XXXX FOR {$640.00}
04/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77081	Web
ARS is claiming that I owe them {$240.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
04/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77385	Web
ARS is claiming that I owe them {$370.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
04/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77304	Web
ARS is claiming that I owe them {$370.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
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	FL 32277	Web
I have filed a dispute in regards to my credit report it has been well over 30 days and I haven't received any investigation results
03/18/2021	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OK 74074	Web
I get called everyday by hrrg everyday and they keep bugging me with robocalls. I don't owe them, I just got back from the military
03/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77090	Web
ARS is claiming that I owe them {$60.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
05/01/2022	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WV 254XX	Web
On XX/XX/2022, a request was sent to the company to validate the amounts of {$72.00}, {$560.00}, {$1100.00}. No response received.
04/19/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30263	Web
XX/XX/2015 in the amount of {$890.00}, I have tried to call and set up payment plans. Before I had a job but now I am not working.
09/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32837	Web
I have 3 Account on my credit and is not mine, Im call credit bureau and collection agency and they dont delete for about 2 years
11/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NY 140XX	Web	Servicemember
This account was paid to h hospital, they have hung up on me, calling me a liar. I have perfect credit meaning I pay my bills.
08/31/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 334XX	Web
They continue to call me after I have told them it is not my account. It has been removed from my credit file multiple times.
08/27/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23111	Web
I have gotten constant calls from the same debt collector called XXXX. They have contacted me on multiple unofficial numbers.
02/25/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60651	Web
XX/XX/2018 sent validation letters to XXXX for {$740.00} and {$450.00}. Also XXXX XXXX XXXX for {$730.00} so far no response.
01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33143	Web
XXXX keeps allowing a debt collection agency called ars to keep posting an inaccurate debt that's been removed several times
08/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33032	Web
This account on my credit report does not belongs to me and I have submitted my identity theft report that I was told to do
05/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33015	Web
ARS Date Opened : XX/XX/2019 Creditor : INPHYNET XXXX XXXX Balance Due : {$1000.00} I don't know this collection account.
11/21/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33055	Web
ARS ACCOUNT RESOLUTION Was open on XX/XX/XXXX .. I dont know this account. The amount is XXXX .. check everything please..
02/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07105	Web
Someone got my information and try to send me someone else medical bill, which I have my own insurance thru my own employer
03/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08016	Web
I CONTACTED THIS COMPANY ARS IN AN ATTEMPT TO CLEAR UP THIS MATTER BUT WAS UNSUCCESSFUL. THE REP WAS RUDE AND DISRESPECTFUL
07/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33023	Web
Company keeps reporting medical debt. Updating it and not removing it. Cant furnish where I signed an agreement with them
02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77064	Web
ARS ACCOUNT RESOLUTION, XXXX, XXXX AND XXXX XXXX CURRENTLY SHOWING ON MY CREDIT REPORT AS A COLLECTION THAT IS NOT MINE..
05/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33319	Web
the following companies failed to respond to my debt validation letter. I have no knowledge of the following collections
04/13/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 77095	Web
This collection company is trying to collect a debt from 2010. They call at XXXX XXXX and several times during the week.
03/14/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 342XX	Web	Older American, Servicemember
I have informed them I am not liable for charges billed when I had insurance in place that should of fulfilled the debt
09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33028	Web
XX/XX/2021 I've sent a dispute letter to all 3 credit bureaus on incorrect reporting collection on my credit report.
08/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 074XX	Web
Dates of service keep changing but insurance has the 2 reports paid in full by insurance as of XX/XX/XXXX/XX/XX/XXXX
01/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85338	Web
This is not my debt, someone maybe use my information wrong or fraudulent. Please I would like this account deleted
02/14/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33009	Web
I attempted to contact this company several time to ask for proof of debt and they have been unable to provide it.
10/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 31705	Web
Iwrote a letter and ask the company to verify this debt and they sent a letter. The letter didn't verify the debt.
03/25/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33312	Web
I have these strange accounts in collections that dont belong to me. I fear I may be a victim of identity theft
03/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32211	Web
This invades my privacy with this being on my record. XX/XX/2017 all charges include XXXX XXXX XXXX XXXX XXXX $
06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34952	Web	Servicemember
The company said they can't locate my account based on the information provided. I will provide more into here.
01/19/2022	No	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33411	Web
XX/XX/2017 {$1000.00} This claim should have been paid by Florida XXXX. They should not be balance billing me.
06/28/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32807	Web
I didnt receive an itemized bill an my information was given to a 3 party debt collector with out my approval
08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 322XX	Web
This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards
07/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33407	Web
Healthcare revenue recovery group attempted to collect a debt that was payed in full by my insurance company.
01/06/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34741	Web
I receive calls everyday consistently from this debt collector. No dates are needed as it truly is every day.
06/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WA 984XX	Web
I had full medical at the time of my service and they didn't charge my medical but decided to bill me instead
08/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 34787	Web
I have already make a plan to pay the debit of XXXX which included the {$120.00} that I have been charging.
10/11/2021	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32506	Web
The company account resolution services failed to validate the debt I asked for validation not verification
03/08/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33150	Web
I have an unauthorized credit inquiry that needs to be removed open date XXXX XXXX for the amount of XXXX $
04/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 47714	Web
I sent debt validation letters off and never received a response nor has invoice been paid for violations.
06/29/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32807	Web
I never received an itemized bill nor a chance of dispute letter! I am not contracting with said company.
11/05/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	OH XXXXX	Web	Servicemember
ARS collection agency failed to send me verification of This medical debt they are attempting to collect.
05/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 167XX	Web
I have so many medical debt and I should n't have any my insurance should have covered all medical bills.
11/12/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	VA 20110	Web	Servicemember
They reported an incorrect amount on my credit report as well as doubled the charge on my credit report.
10/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 320XX	Web	Servicemember
ARS ACCOUNT RESOLUTION HAS multiple repeated reports on my credit report. It's for XXXX $ multiple times
12/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 79938	Web
I received a letter in the mail regarding debt that is not mine. The date of the letter is XX/XX/2021.
01/05/2020	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	FL 32810	Web
I dont remember this account also they been harassing me an my family members for over a couple months
06/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73099	Web
I wrote and called the company and advised them that this is fraud I also advised the credit companies
09/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73160	Web
identity was stolen and i have police report also car was broken into and my information was misused.
10/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 320XX	Web
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.
03/10/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10461	Web
I received a notice via mail from debt collectors HRRG to pay a debt of medical service I never had.
04/23/2015	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	TX 77075	Web
This is not my bill. I am disputing the experian credit bureau to remove this from my credit report
10/06/2020	No	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 331XX	Web
Creditor has referred my account to collections and I am receiving multiple daily calls from them.
09/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35215	Web
The company sent letters that I was to pay a debt of XXXX. I have no knowledge of this account.
12/03/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 700XX	Web
ARS ACCOUNT RESOLUTION Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX {$1300.00} 0 % paid off
10/29/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32779	Web
This debt collector is attempting to collect a debt in a state in which they are not licensed.
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32218	Web
This can't be happening!! This company must remove the as they need to validate this account!
01/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 142XX	Web
I just happen to look on my credit report and seen two inaccurate report on my credit report.
12/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30655	Web
Medical bills that should be paid my medical insurance. Also all deductibles have been paid.
02/17/2022	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 327XX	Web
HRRG calls every day using their automated system even when monthly payments are being made.
04/07/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32210	Web
This debt is not mines. I spoke with the company would not provide proof of this is my debt.
10/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 21244	Web
Unknown item listed on my credit file, I dispute and request validation and nothing happens.
11/29/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 070XX	Web
Since XXXX, XXXX attempts to validate this debt have been made, company refuses to validate
06/26/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 320XX	Web
Did not inform me i could dispute the validity of this account reporting on credit report.
08/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CT 06118	Web
i have no knowledge of this account and have not conducted any business with the creditor
06/16/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73071	Web
I have no knowledge of said debt, nor have I received any notifications to pay said debt.
05/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30312	Web
100 % this debt was satisfied with a hardship program offered by the medical institution.
05/27/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 77092	Web	Older American
No heath care bill is owed to anyone, this is false and no verification was ever provided
07/08/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33180	Web
XXXX XXXX XXXX insurance charges of health and report not having paid hospital expenses,
04/09/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32738	Web
I sent ARS a certified letter for proof of verification and I never received a response
01/12/2022	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	FL 33460	Web
i have disputed this item and it still hasnt been removed, ive been waiting fr response
09/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33311	Web
sent a hippa validation letter never got a respond back. Sent letter back in XX/XX/2021
08/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28540	Web	Servicemember
I have no knowledge of this account and would demand a debt validation letter from them
01/07/2020	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
inaccurate information that is not mine see attach ftc violation police report enclosed
04/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 19154	Web
I told them I have XXXX. They supposed to do there job and didnt do it still charg me.
03/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32701	Web
( ARS ) account resolution svs is not licensed to collect debt in the state of Florida
01/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44122	Web
XXXX XXXX XXXX IS REPORTING FALSE AND UNVERIFIABLE INFORMATION TO MY XXXX CREDIT FILE.
09/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33030	Web
I do not know what company this is or was provided any service by this company or not
08/11/2020	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 34982	Web
I had no knowledge of this account. They never tried to contact me this isn't mine.
12/14/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77073	Web
No balance ( {$1400.00} ) should be reported because the account was already paid.
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NV 89169	Web
XXXX debt continues to show up on my credit when it was closed and removed before
10/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NJ 077XX	Web
Debt was paid Attached documentation XXXX and XXXX fail to investigate or correct
04/02/2022	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 34741	Web
Debt just appeared on my credit. Never got an email or letter mailed from anyone.
01/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77449	Web
SEE ATTACH DOCUMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/01/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	PA 190XX	Web
Was on XXXX assistance and any related charges were to be covered by them not me
09/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45373	Web
I literally have no knowledge of none of the negative things on my credit score
11/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33563	Web
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.
08/07/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33458	Web
ARS ACCOUNT RESOLUTION IS PUTTING MULTIPLE FALSE MEDICAL DEBTS ON MY CREDIT
01/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33404	Web
I disputed the debts and received bills. This is not sufficient validation.
05/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32837	Web
I loss my walllet and some people used to get bill form to go the hospital
01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34243	Web
I never applied for any medical service. I am a victim of identity theft.
03/16/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 21244	Web
I do not owe any medical debt as my insurance pays it. This is inaccurate
10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 344XX	Web
Attached you will find letters I have sent the companies one since 2021
07/31/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44122	Web
TRIED MANY ATTEMPTS TO DELETE FRPM MY XXXX CREDIT FILE THIS IS NOT MINE
04/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33319	Web
report XX/XX/2017, {$980.00}, I filed for Identity Theft with the FTC.
03/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11209	Web
Fraudulent collection on credit report resulting from identity theft.
11/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33607	Web
ARS ACCOUNT RES HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
10/09/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85326	Web	Servicemember
I was never given information stating that i could dispute this debt.
05/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32837	Web
Some people used my las name but with diferent secund las name XXXX
04/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33610	Web
this company has an account on my credit report thats not mine.
08/10/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OK 743XX	Web
they put my sons collections on my report he has the same name.
04/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 464XX	Web
I have explained numerous of times tell them that is isn't me.
05/08/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AL 354XX	Web	Older American, Servicemember
XXXX paid by V A for XXXX ride from V A to XXXX XXXX .
04/10/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75253	Web
I asked them repeatedly to stop calling and mail me the bill
05/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33607	Web
accounts on my accounts on my credit reports thats not mine.
12/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77045	Web
Made several attempts to resolve this issue but to no avail.
11/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NJ 08094	Web
I have no idea what this debt is for. I was never contacted.
08/06/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33312	Web
I am sent them another letter with the attachment FCRA 605B
12/18/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02128	Web
This debt was paid off by my employer 's insurance company.
01/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33142	Web
Inquiries bad remarks on my report that I don't recognize
03/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75081	Web
XXXX is not bonded in the state of Texas to collect debt.
03/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77075	Web
XXXX is not Bonded in the state of Texas to collect debt.
11/28/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33351	Web
i just see a debt on my credit report thru ars from XXXX
05/31/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33169	Web
XX/XX/2023 as to validate information and all they cant
11/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
Account Resolution Services Amount {$200.00} XX/XX/2018
01/19/2021	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 30032	Web
request to have inaccurate reports removed off account
03/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 455XX	Web
This is not my debt to pay I was never in the hospital
05/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20784	Web
Fraudulent, please do a full investigation or remove.
01/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33024	Web	Servicemember
Negative remark on my report that I don't recognize
10/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 774XX	Web
Items do not belong to me. My Identity was stolen.
01/31/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27330	Web
a debt was sent to collections that I do not owe.
02/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
ARS IS REPORTING THIS MEDICAL BILL ON MY CREDIT.
06/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77080	Web
I have no knowledge of this collection account
05/06/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 744XX	Web
Date assigned XX/XX/2017 Violation of HIPPA.
04/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 77089	Web
ARS IS NOT BONDED IN TEXAS TO COLLECT DEBT
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 338XX	Web
This isnt me the is fraud on my account
05/04/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34207	Web
Could not Prove this debt belongs to me
02/18/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IL 60426	Web
Excessive calling at unannounced times.
02/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70460	Web
Medical bills was paid. Not bankruptcy
06/20/2020	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33076	Web
have no knowledge of this medical debt
05/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
I have no knowledge of these accounts
05/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33076	Web
medical debit not mine or has been
12/16/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33179	Web
I have no knowledge of this debt
12/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33054	Web
I have no knowledge of this dept
04/01/2015	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	GA 30349	Web
I do n't what come from
01/23/2024	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 10570	Web

01/17/2024	Yes	Debt collection Medical debt	Electronic communications Frequent or repeated messages	NY 10570	Web

12/30/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37334	Web

12/20/2023	Yes	Debt or credit management Debt settlement	Charged upfront or unexpected fees	WI 53405	Web

12/16/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33610	Web

12/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33616	Web

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33167	Web

11/13/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34983	Web

11/13/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NY 14127	Web

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77079	Web

10/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KY 42533	Web

10/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46312	Web

10/12/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33711	Web

10/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 08110	Web

10/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33023	Web

10/02/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34787	Web

10/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 080XX	Web

09/29/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 95134	Web

09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76012	Web

09/29/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33319	Web

09/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29730	Web	Servicemember

09/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60620	Web

09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73120	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33023	Web

09/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32818	Web

09/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77590	Web

09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33054	Web

09/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77080	Web

09/12/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34744	Web

09/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32303	Web

09/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33476	Web

09/01/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33030	Web

08/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32256	Web

08/29/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 34715	Web

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32086	Web	Older American

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30281	Web

08/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30175	Web

08/11/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 48386	Web

08/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32220	Web

08/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32810	Phone

08/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WV 25313	Web

08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32835	Web

08/04/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23860	Web

08/02/2023	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 Investigation took more than 30 days	VA 22407	Web

07/31/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43125	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23227	Web

07/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC 28704	Web

07/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32726	Web

07/19/2023	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	FL 34759	Web

07/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

07/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32216	Web

07/14/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 31221	Phone	Older American

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77338	Web

07/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70805	Web

07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77089	Web

07/08/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77077	Web

07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34744	Web

07/07/2023	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	FL 34759	Web

07/05/2023	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	FL 34741	Web

07/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32210	Web

07/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33025	Web

06/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23860	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33880	Web

06/26/2023	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 63640	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33023	Web

06/24/2023	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 75287	Web

06/24/2023	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	TX 77021	Web

06/23/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	FL 32220	Web

06/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32708	Web

06/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23860	Web

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32244	Web

06/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34224	Web

06/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72404	Web	Servicemember

06/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23860	Web

06/15/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	OH 45202	Web

06/15/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	PA 17540	Web

06/14/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 08104	Web

06/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07111	Web

06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33023	Web

06/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31027	Web

06/09/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32765	Web	Servicemember

06/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 34983	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 Their investigation did not fix an error on your report	FL 33023	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	FL 33023	Web

06/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33055	Web

06/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 076XX	Web

06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77056	Web

05/29/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32068	Web

05/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77080	Web

05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32505	Web

05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34744	Web

05/22/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 35209	Web

05/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77503	Web

05/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33596	Web

05/19/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32259	Web

05/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07111	Web Referral

05/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NJ 07666	Web

05/16/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 33023	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43227	Web

05/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33023	Web

05/09/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08052	Web

05/08/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33169	Web

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	CA 95677	Web

05/05/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33071	Web

05/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31027	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	NJ 07206	Web Referral

05/03/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	FL 32209	Web

05/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

04/29/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	SC 29803	Web

04/27/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 43068	Web

04/25/2023	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	FL 33023	Web

04/24/2023	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33322	Web