Helvey & Associates, Inc., Warsaw, IN Branch CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/24/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28105	Web
The purpose of my dispute is to get my credit score corrected with XXXX and XXXX as I am in the process of obtaining a mortgage loan. My credit score before this incidence was over XXXX as I have been very responsible with my finances and paying ALL of my bills on time and in full via automatic payments. I purchased and closed on a new construction home on XX/XX/XXXX. This is an investment property, so I have never lived in this house. I called XXXX XXXX to have the account switched to my name on XX/XX/XXXX. I also called XXXX XXXX and XXXX XXXX XXXX to take over the accounts on XX/XX/XXXX. I found a tenant who officially moved into the house on XX/XX/XXXX and who would take over the utility bills. She called and have the utility switched to her name and took over the utility bills from XX/XX/XXXX. On XX/XX/XXXX, when I went to the house to give the house key to the tenant, I noticed that the construction workers who were working on the house next-door to mine was using my electrical outlet and I reported this to the builder with a picture of the worker 's microwave plugged into my outlet as evidence. On XX/XX/XXXX, I received a notification from my XXXX XXXX that I established an account with Helvey and Associates. I thought it was a fraud at first as I did not recognize this company. After calling Helvey and Associates, I found out that they are a collection agency and that I have an unpaid {$140.00} bill from XXXX XXXX for this rental property. I thought this was a mistake as my XXXX XXXX and XXXX XXXX XXXX bills were paid automatically using my card on file. I know for sure that I had called all three utility companies on XX/XX/XXXX and took over the accounts and was sure that I would have either provided a forwarding address for the bills to be sent to or a credit card on file for the payments to be deducted automatically. I wondered why XXXX XXXX bill was the only bill that was not paid. After calling XXXX XXXX to inquire about the bill that I have never received, XXXX XXXX sent me a copy of the bill to my email. The bill was from service date of XX/XX/XXXX to XX/XX/XXXX. I reached out to the builder and informed them of the bill, since the builder legally owned the house from XX/XX/XXXX to XX/XX/XXXX and I had notified the builder on XX/XX/XXXX that their workers were using my electrical outlet, the builder agreed to pay for the entire bill. I called again and explained to XXXX XXXX that I did not legally own the house until XX/XX/XXXX and although I legally owned the property from XX/XX/XXXX to XX/XX/XXXX, I had no knowledge that the bill was not paid as XXXX XXXX never sent me any bill to my primary address nor contacted me via email or phone calls to notify me of the bill. Since my XXXX XXXX and XXXX XXXX XXXX bills were paid, I thought the XXXX XXXX bill from XX/XX/XXXX to XX/XX/XXXX was also paid automatically. Also, the {$140.00} bill from XXXX was not my bill as I did not own the house until XX/XX/XXXX. I asked XXXX XXXX why I have never received the bill and was told that XXXX XXXX sent the bill to the service address and not my primary address. When I asked XXXX XXXX why the bill was not sent to my primary address, I was told that I did not provide a forwarding address. I find that hard to believe as the reason I called XXXX XXXX on XX/XX/XXXX was to have the bill switch to my name, surly I would have given a forwarding address or a credit card on file for the automatic payment. When I asked XXXX XXXX to send me a transcript of the conversation of the call on XX/XX/XXXX, I was told that they can not send me the transcript. I explained to XXXX XXXX that if they had tried to contact me and if I was aware of an outstanding bill, I surely would have paid my bill. However, XXXX XXXX made no attempts to contact me. They insisted that they sent the bill to the service address, and I informed them that the service address is a rental property and that the tenant denied having seen anything in my name. XXXX XXXX further insisted that they don't have to try to contact me via any other means. The {$140.00} was paid by the builder shortly after I informed the builder of the bill, surly if the bill is not the builder 's responsibility, they would not have paid for it. When I called XXXX XXXX to have them clear my name with Helvey and Associates, XXXX XXXX informed me that Helvey and Associates would have to reach out to them. When I reached out to Helvey and Associates and informed them of the situation and that the bill was already paid by the builder, Helvey and Associates insisted that they have not seen the updates from XXXX XXXX and even if the bill was paid that I am still the one responsible for the bill. I started the dispute process with XXXX, XXXX, and XXXX. XXXX cleared my name the same day and my credit score with XXXX is XXXX. Today I got an email from XXXX stating that they agree with Halvey and Associates that I am responsible for the bill, and therefore my credit score is still only XXXX.
09/23/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85014	Web
Last XX/XX/XXXX I moved out of my apartment from XXXX, NC to XXXX, AZ for my career. The day I left the state of NC was XX/XX/XXXX, XXXX I contacted XXXX XXXX to pay my last bill. I was told by the representative I didn't need to pay because my deposit was {$200.00} and would be returned to me by mail. I even gave the representative my new address and asked her to shut off my energy immediately and forward the check I was owed for my deposit of {$200.00} to my new address in XXXX, AZ. She assured me this would be done. Several months later in XX/XX/XXXX, Helvey and AssociatesXXXX the collection agency on XXXX XXXX XXXX behalf- reported a collection on my credit report without notifying me. This was also an inaccurate amount of {$880.00}. I didnt receive any contact from XXXX XXXX stating I had a balance and I was never forwarded a bill to my AZ address. I had no chance to rectify the debt which I was told by XXXX XXXX wasnt debt, that I would receive a check and didnt owe anything. It was my landlords responsibility as well to ensure energy was shut off and she did not adhere to that. I moved out the first week of XX/XX/XXXX and she required me to still pay a full months rent. I was not living in that residence XX/XX/XXXX or XX/XX/XXXX other than XXXX week. I can provide my landlords information as well as a witness to me speaking with XXXX XXXX and connection my service. I was never provided any evidence of what energy was used to cause these charges and it is unfair credit reporting. I'm a loan XXXX it is imperative for me to keep a clean credit record. Once I was made aware of the charges, I disputed it with XXXX and more recently XXXX. During the initial investigation, both XXXX 's found that both XXXX XXXX and Helvey and associates were false reporting and inflating the bill. Due to this, the charges were adjusted to {$430.00} in XX/XX/XXXX. However, before I paid I requested the final bill from Helvey and associates and they never provided me evidence of the charges or what energy had been used to substantiate the charges. I wanted to make sure my credit was in line as I was going to apply for a few new state licenses in the summer, so I paid the collection in XX/XX/XXXX, even though I still don't agree with the charges. I believe XXXX XXXX and Helvey and associates are using false billing practices, inflating consumer 's bills and using illegal practices to obtain additional money. Today I was contacted by XXXX at Consumer Affairs at XXXX XXXX, she stated that she was unable to provide the last call history when I closed my account with XXXX XXXX. XXXX also stated that she was unsure why the original charge was {$880.00} and could not provide evidence of that {$880.00}. I informed XXXX the reason I didn't pay originally was because I never received the final bill at my new address as requested and also the charges were inaccurate. She stated that the bill was forwarded to my old address in NC on XX/XX/XXXX. I was living in Arizona by then. XXXX XXXX and Helvey did not give me or the Bureau 's time to investigate, instead they added this false collection to my report and Helvey used aggressive tactics. XXXX rejected my ask to remove the collection from my account since I have already paid my final bill and the original charges were inaccurate. You can also see on my final bill I had deferral arrangements due to COVID and being held XXXX in a robbery and suffering XXXX I had reduced work hours for an extended period of time. XXXX XXXX was aware of my situation and they took advantage, instead of trying to help- they tried to take extra. This is unethical and predatory practices on both businesses account and I urge that this collection be removed from my credit report with all three credit bureau 's - XXXX, XXXX and XXXX. Please see the attached investigation performed by XXXX this month- please highlight the findings show that in XX/XX/XXXX the amount was inflated to {$880.00} and only later adjusted after investigation. I have also included my last bill I received from XXXX XXXX, finally just today. Please note the charges on my last bill on XX/XX/XXXX, state the balance was {$430.00} not {$880.00}. Also note that the address this was sent to was NC after asking it be sent to AZ.
03/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 326XX	Web
I sold my house on XX/XX/2019. I had nowhere to live until XXXX of 2019, so we went on a motorhome trip north. I had my electric disconnected and told the lady I would not be at my new XXXX address until XXXX/ XXXX of 2019, to send any bill or deposit left over to my parents house in XXXX XXXX , and if the bill goes out after XX/XX/XXXX to send it to my XXXX address. I never got a bill or deposit from XXXX XXXX. When I got back from my motorhome trip and into my new home end of XXXX, I checked my XXXX XXXX account to see a XXXX balance. About a few weeks later I opened a bill ( old mail that came to my house ) that said I was late on a XXXX XXXX bill payment. I logged into my XXXX XXXX bill and it still said I had a XXXX balance. I also called XXXX XXXX and the lady told me I had a XXXX balance. She told me everything was fine. This was in XXXX. I just did my yearly credit report check and there is a creditor saying I never paid my final {$190.00} electric bill to XXXX XXXX. I called her and told her I did and I checked many times and had a XXXX balance. She said I must have not paid it within the three week limit and it was XXXX out and sent to credit. So all they saw at XXXX was the XXXX balance. I told her I never got the bill from XXXX at my parents, and everytime I logged in the balance owed was XXXX. I would gladly pay the bill if owed but this needs to be taken off my credit now!! This is a disgrace I have perfect credit!!!!!! She was rude and refused to take it off my credit report and wanted the money. I told her I refuse to pay the money if it is going to stay on my credit report and. that is ridiculous and she needs sued. She is a conartist. I never got this bill and I have stellar credit. I never knew anything about this bill until today I checked my XXXX account many times. She hung up on me, because I was very upset with her and she deserved my outrage. I called XXXX XXXX ( XXXX XXXX Florida ) and they said they sent the final bill to the XXXX address the day I turned off the service. I did not live in the XXXX residence they sent it to until XXXX and sent nothing to my parents ( in XXXX XXXX Florida ) where things were suppose to be sent. They had no record of my parents address. I told them they need to call this creditor right now and explain that they messed up and they refused. They said I had two weeks to pay the bill ( which didn't exist when I moved out of town ). I explained I was traveling and I never got anything from them, nor did my parents ( XXXX XXXX Florida Address ), and had called them last fall about this when I had something that said I had a late payment in mail that had been swarming around lost in the postal system and had a XXXX balance every-time I checked. I have nothing else on my credit. I ALWAYS pay my bills ontime. I want this taken off my credit report!!! i want it taken off now!!!!! and I will gladly pay it if it is taken off, but I never knew about this!!! I am not going to pay a company that has fraudulently attacked my credit!!!!!! This company needs to be sued. I never got anything from them.. nothing!!!!! I called XXXX!!! XXXX has a one star rating on XXXX their customer service is so bad. I called XXXX and checked my account a few times last fall my balance was XXXX. Nothing was mentioned about this bill online. This is not alright. I want this taken off my bill now!!! This company is FRAUD!!!! XXXX XXXX should be ashamed they never sent the bill to my parents house and instead sent it to my XXXX ( XXXX ) home two months before I moved in!!!!!!! I knew nothing about this until tonight, I assumed everything was covered. The lady at XXXX told me I had no balance in XXXX. I was clear to the lady that I would not live there until end of XXXX. I was very clear and employee incompetence is behind all of this. they didn't even have my parents address on record!!! VERY UPSET!!! This company is being unreasonable and offensive!! They are rude arrogant and vultures.. I want this off my credit report now! This is fraud.!!! I've no reason to pay it unless they fix this mess!!!!! They need to fix this now!!!
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29150	Web
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL [ HELVEY & ASSOCIATES INC 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 I dont recognize this Fraudulent account Im a victim of identity theft. It is your duty to protect a consumer who notified you of identity theft and remove accounts no later than 4 days of receipt 15 USC 1681 C-2, FTC IS ATTACHED. in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation 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 continued willful and negligent noncompliance. YOU BROKE THE LAW!!! Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking {$1000.00} per violation for : Defamation of character negligent non- compliance Civil liability Mental anguish Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n ) Identity theft Despite two written requests, the unverified fraudulent items listed below remain on my credit report in violation of Federal Law. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore, you have failed to conduct the proper method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ( I have the paper trail where you stated that you INVESTIGATED and verified this account however you committed another illegal act according to FCRA 15usc 1681a ( e ) the law states an investigation is only legally complete when you interview my family, associates, neighbors ) you did not do that you only contacted the company thats paying your financial institution to report this fraudulent item without my consumer consent. DELETE THESE FRAUDULANT UNAPROVE REPORTS NOW because The law is very clear as to the Civil liability and the remedy available to me the consumer ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer DELETE THESE accounts or I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA to prove how ( bureau ) committed identity theft furnishing accounts without direct consumer consent. Late payment This report is illegal you must follow the law 15USC 1681a ( 2 ) ( i ) Exclusion, a consumer reporting agency is not allowed to report transactions and experiences such as ( payment history and utilization ). It is the consumer reporting agency 's job to make sure they follow maximum accuracy compliance and procedure 15USC 1681 ( e ). You have been notified and I demand removing this fraudulent illegal account from my consumer report. This is making me lose confidence in the banking system 15USC1681 ( a ) ( 1 ). Avoid a major violation because 15USC1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without my ( consumer ) written instructions. Provide the signed written consent of ( me ) consumer and you ( consumer reporting agency ) to furnish this report. Understand that if Failure to delete this account within 30 days we will file all necessary complaints and seek legal counsel, the approved response is to delete this account immediately.
10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27707	Web
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. 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. 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 9. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. XXXX Account Number : XXXX Please remove it from my credit report. 11. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 18. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 19. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 20. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 21. XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 22. HELVEY ASSOC Account Number : XXXX Please remove this inaccurate information from my credit report. 23. Account Number : XXXX Please remove it from my credit report. 24. XXXX Account Number : XXXX Please remove it from my credit report.
07/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
Checked my credit score via XXXX XXXX XXXX and XXXX XXXX observed DROPPED from score of 800+ in XX/XX/XXXX to ~710 range XXXX until current date XX/XX/XXXX. My score has been above 800+ for over 10 years prior to this mishap. XXXX XXXX have incorrect mailing address for invoice, I never saw or received electricity bill for this rental unit ( I have many with XXXX ). Since XXXX XXXX was never paid for the outstanding amount of {$120.00} power used before unit rented again, the bill to XXXX XXXX went into arrears ( me not paying ). I phone XXXX XXXX immediately after seeing my credit history drop and payed XXXX directly rather than HELVEY BUT since it was not paid the bill was also passed to : HELVEY and ASSOCIATES XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX I talked to many HELVEY Reps and asked why I did not receive an invoice from XXXX or them advising that this bill was in arrears. HELVEY nor XXXX NEVER Sent an invoice advising that the bill had not been paid and was overdue. I only discovered by looking at my credit score. HELVEY got the invoice from XXXX and notified credit agencies to impact my credit score with NO Request for payment from me. When I contacted HELVEY ( after seeing their name on my credit file ) I provided my PO Box to ensure all future correspondence sent to the correct address and get my credit score mess resolved. *** They now claim they sent everything to this PO Box prior to notifying credit agencies ( I say XXXX they never had correct address ). Nothing from HELVEY or XXXX was sent to my PO Box address, or email of file or phone call performed. HELVEY >>> Notifies the credit agencies and drop customer credit scores rather than hunt me down for {$120.00}. Essentially they just sit and wait until ANY customer needs to get mortgage or car purchase which in my case is what happened THEN ... .They will get paid eventually. I contacted HELVEY today XX/XX/XXXX, It is now seven months later and I still see my credit score at XXXX with XXXX, HELVEY has not fixed this also. Equifax I put a dispute in XXXX XXXX. My FICO score is XXXX since XX/XX/XXXX. XXXX is still a mess all because no one made the effort to contact me. Nothing goes missing from my PO Box . HELVEY never sent a first notice, second letter, email or call, they just notified credit bureaus and sit and wait till get paid eventually but destroy customer credit history in process. They picked the work person to XXXX XXXX nor is this the legal way to collect payment. ***They claim they sent a notice to my PO Box that they never had originally until I contacted them and asked why they had lien on me for {$120.00}! Where is the content of those letters from them and what dates were they sent!! Compare to the date XXXX sent my {$120.00} bill to HELVEY and the date collection agencies notified by HELVEY ****** My 800+ credit score went to just barely above 700 after they dinged me. HUGE impact on my car loan application after this.
05/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80209	Web
I am disputing a collection from XXXX XXXX XXXX that appeared on my credit report in XXXX, XXXX. The collection agency is Helvey and Associates. The collection relates to the energy utility bill on a home that was owned by my ex-wife XXXX XXXX at XXXX XXXX XXXX, XXXX, NC XXXX. ( XXXX XXXX XXXX XXXX in amount of {$550.00} ). She purchased this home individually in XX/XX/XXXX and sold it in XX/XX/XXXX. We are divorced and separated in XX/XX/XXXX, and I moved out. Apparently this account became in arrears in XXXX of XXXX at the start of the COVID pandemic. XXXX moved to XXXX, Colorado in XXXX of XXXX and bought a home at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. She called XXXX XXXX to turn off the energy at her home and gave XXXX XXXX XXXX XXXX as the forwarding address ( please note, I have never lived at XXXX XXXX XXXX XXXX- I moved to XXXX XXXX XXXX XXXX XXXX, CO XXXX in XX/XX/XXXX ). I was not aware a ) that I was a responsible party to this account and b ) that the account was delinquent. The final bill was mailed to an address that I have never lived at. I discovered this bill existed when a collection showed up on my credit report. Apparently, the notice of collection from Helvey and Associates was also sent to XXXX XXXX XXXX XXXX. When I became aware of this collection, I informed XXXX and she called XXXX XXXX and made payment directly to them from her checking account ( please see her email regarding this ). I was not responsible for paying the utility bill per the explicit terms of our executed Amended Cohabitation Agreement, a signed copy of which is included with this dispute for your review : See, specifically, XXXX XXXX Each of us shall be solely responsible for his or her separate debt, and shall indemnify and hold the other of us harmless with regard to such debt... Separate debt shall also include debt incurred with respect to only that partys separate property. I believe this collection should be deleted from my credit report. It was 1 ) promptly paid when I became aware it existed 2 ) at least in part stemmed from unprecedented disruption during a global pandemic and 3 ) was connected to a home I did not own and was per the explicit language of a court order not my legal responsibility. I am a practicing XXXX XXXX XXXX and have an otherwise impeccable credit history that spans over 18 year. There is not even a late payment on my credit report, let alone another collection. I am a responsible borrower and this collection is an aberrancy. It is, however, making it extremely difficult for me to qualify for a mortgage as I am trying to purchase a home to live in with my XXXX children. XXXX XXXX
08/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27560	Web
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT HELVEY ASSOC ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/2023 XX/XX/2023 XX/XX/2023 Balance : {$2800.00} {$2800.00} {$2800.00} No. of Months ( terms ) : - - - High Credit : {$2800.00} {$2800.00} {$2800.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/2023 XX/XX/2023 XX/XX/2023 Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. Consumer disputes this account information Collection account Subject has not satisfied debt. Date Last Active : XX/XX/2023 XX/XX/2023 XX/XX/2023 Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. PS! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
06/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	RI 02860	Web
Hi ( HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX ) ; Im confused and XXXX and 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.
10/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32832	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1995 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPT HELVEY & ASSOCIATES 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 HELVEY & ASSOCIATES 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 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/1995 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
01/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30680	Web
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX HELVEY & ASSOCIATES IN XXXX To Whom It May Concern, XXXX XXXX XXXX Director of Compliance and Corporate Training Helvey & Associates ( PLEASE RESPOND VIA CFPB AS THE ADDRESS YOU CLAIM IS NOT MY ADDRESS, SINCE I AM A VICTIM OF IDENTITY THEFT LIKE I TOLD YOU IN MY LAST CFPB : XXXX ) Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XX/XX/XXXX AND XX/XX/XXXX has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question **Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible. A BILL WITH NAME AND FRAUDULENT ADDRESS IS NOT SUFFICIENT. Thank you. XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
03/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33771	Web
XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX HELVEY & ASSOCIATES IN 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 HELVEY & ASSOCIATES IN 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 XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
12/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 344XX	Web
ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX HELVEY & ASSOCIATES IN 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 HELVEY & ASSOCIATES IN 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, GA XXXX
01/15/2019	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	MI 48152	Web
Helvey and Associates are a collection agency claiming to have had a XXXX XXXX account referred to them for collections. They claim the date the account with XXXX XXXX first became dilinquint XX/XX/2015, and reported XX/XX/2015. The last XXXX XXXX account held in my name ended XX/XX/2015, and had been closed by myself, in good standing, knowing of my planned moving from that residence. When this account was first noticed on my credit report file, I began disputing the account, calling all 3 credit reporting agencies multiple times, and told to contact the original creditor, which I did. XXXX XXXX confirmed what was already known ; that my account was closed, in good standing, and the date it had been closed. When I informed them of the problem I had, and the inaccurate reporting, they had told me they could do nothing as they were not the ones reporting the information, they could not control what had reported, or continued to do so. I was told to dispute the account and XXXX XXXX could then report the account was in good standing and had never been sent to collections. Over the course of the last 2.5 years I have repeatedly disputed this account, and although I have never received a billing statement from XXXX XXXX or Helvey and Associates, or any proof of debt validation, the account continues to report as a very derogatory open collection account, and has very unfairly contributed to my inability to obtain loans, a mortgage, or credit in my own name. I do not know what else to do regarding this account and ask for help from the CFPB. I have recently submitted written request for method of verification of this account and have received nothing, as well as no response whatsoever from XXXX. The letters were sent by certified mail with signature request, and can be shown the dates and times they had arrived to the credit bureaus. It has been 15 days since receipt of these requests, and by law the account was to be deleted from my credit report file as a result, but still has not. I can not obtain a business loan or a mortgage until this or another inaccurate account has been deleted due to multiple inaccuracies, among other reasons. Hopefully with intervention from the CFPB, action will now be taken by the credit reporting agencies.
05/10/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 296XX	Web
Helvey and Associates are harassing me for an unverified debt of {$340.00}. Helvey and Associates flagged my credit files with unverified information and have damaged my credit scores. Helvey and Associates are debt collectors demanding a debt on behalf of XXXX XXXX of the XXXX. I have not received goods or services from Helvey and Associates. I am formerly requesting XXXX XXXX of the XXXX to provide contractual agreements stating the exchange of goods or services to me ; along with a permissible purpose to Helvey and Associates releasing my private information. Present contractual agreements supporting Helvey and Associates and I have agreed to honorably conduct business. I do not agree to pay/tender anything to Helvey and Associates on behalf of XXXX XXXX of the XXXX. As of XX/XX/2023, Helvey and Associates received a validation notice via certified mail and have not replied. Helvey and Associates do not have a permissible purpose to contact me in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I am not a party to current/past agreements Helvey and Associates may or may not have with XXXX XXXX of the XXXX I am not responsible for Helvey and Associates purchase / transfer from XXXX XXXX of the XXXX I have not agreed to pay/tender anything to Helvey and Associates . I have contacted XXXX XXXX of the XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Helvey and Associates. Helvey and Associates do not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. Helvey and Associates reply outside of the XXXX XXXX, must be delivered via the XXXX postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes. Helvey and Associates., are not Holders in XXXX XXXX with contractual agreements to support goods or services provided to me. All calls are recorded for my safety. Kindly Cease and Desist.
11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28213	Web
I have 2 accounts showing with XXXX XXXX. One inactive, one active. The balance of the inactive account is {$350.00}, but the account closed with the balance. I requested a new/transfer account at my current address. XXXX XXXX started services via online, but requested the previous account balance through my deposit ( {$350.00} ), which is no issue. But XXXX XXXX wants me to pay {$350.00} twice for the active and inactive account. My deposit would have never been the exact amount that I owe from my previous account ( {$350.00} ), if I didn't owe XXXX XXXX. Deposits are based on credit and payment history. There's nothing wrong with my credit, so the deposit was based on my payment history. And the {$350.00} is the payment history. The inactive account has been reported to the collections, but the active account is still open waiting for the {$350.00} to be paid + my current monthly bill. One rep told me the deposit just so happened to be the same as my previous account balance. DUH! If XXXX is basing deposits on my payment history, then of course my deposit is showing as {$350.00} that was left unpaid on the other account. She then went on to tell me theyre systems didnt communicate to each other, so the accounts was split instead of transferred. But, XXXX isn't trying to settle my accounts, transfer them, or combine them. I put my request online to TRANSFER my services, but their system didn't TRANSFER my accounts. Instead, it opened a new account and has me facing two different balances. The reps on the phone are horrible, I spoke to at least 4-5 different people who all had different answers. They were very careless and refused to investigate and determine the root cause of this issue. Their answers were " oh well, you still have to pay the balance, oh well the system didn't transfer your accounts, it's not a deposit, one rep told me it is my deposit and it has to be paid. There was another rep who was a little helpful- she mentioned this has been happening a lot and they havent yet found a resolution. As of now, customers are overpaying until XXXX finds the root cause. Helvey & associates is the collections company thats incorrectly reporting this information.
07/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 47374	Web
I reported in XXXX of XXXX when I moved to the XXXX XXXX XXXX and reached out for services that the past due amount that they claimed said was due in the amount of XXXX was due to Identity theft. At that time the agent due to goverment shut down did not charge me a down payment and noted that identity theft in my account. XX/XX/XXXX I spoke with the Identity Theft representative named Mrs. XXXX due to my account was disconnected due to amount that resulted over identity theft. After faxing the paper work that was required for the process she returned my services and removed the amount that resolved in identity theft only later to add it back on. XX/XX/XXXX when my services was disconnected due to the identity theft that I was led to believe was removed i contacted the utility commission, customer services XX/XX/XXXX not only has myself but also the town trustee reached out to customer service and due to the women at the fraud department was not friendly nor helpful to the trustee, he denied to help me and advised me to seek legal counsel. XX/XX/XXXX the XXXX XXXX president of Indiana and go know where and was forced to pay XXXX dollar re-connection fee, over XXXX dollar bill when my bill should of been XXXX and was forced in to a payment arrangement. XX/XX/XXXXEmailed the XXXX XXXX president of Indiana and ethics compliance officer and recieved a call from XXXX whom restored service and attempted me back into a payment arrangement and requested that I send a police report and claimed that is what they were awaiting on. Then I heard from the XXXX XXXX president secretary stating they never received my paperwork and wanted me to resend all documents again. However, the original fax says it was accepted. On XXXX XXXX I sent an email to the president of XXXX XXXX and copies of all identity theft documents and requests for them to do an investigation over my account. I also later recognized that not only did they charge me twice for the identity theft from they added it to my account til the very end in XX/XX/XXXX And never removed the identity theft. They sold this account off knowing it was due to Identity theft, and charged me double for it
12/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28269	Web
Helvey & Associates , Inc . XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX To : The Office of Registered Agent for Helvey & Associates , Inc . From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for. A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. Documentation that shows I agreed to pay this debt with my signature. The agreement that grants you the authority to collect on this alleged debt. A copy of your state license, including license number that give you rights to collect in my state. You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX is 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 theft. 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. Helvey & Associates , Inc. has invaded my individual privacy under 15 U.SA 1692 A. 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 By : XXXX XXXX XXXX
06/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 328XX	Web
I 'm XXXX XXXX XXXX SSN XXXX RE : Helvey & Associates ( XXXX ) Collections on behalf of XXXX XXXX. X/XX/15 assigned to each credit reporting companies for {$150.00}. I had an account with XXXX XXXX as my electrical utility company. I moved to another area where XXXX XXXX was not the electric service provider. There was a balance that was due for {$150.00}. I was never notified of this as I had moved. Apparently the mail was not immediately forwarded. I left the country for about two months to XXXX XXXX, I can prove it via my passport. Upon my return I realized that I did not pay the amount that was due to XXXX XXXX. I then contacted XXXX XXXX and paid that amount of {$150.00} directly to them. I then learned that a collection agency was trying to charge me the same amount of money. That money was paid to XXXX XXXX, I called Helvey and Ass. and notified them. I later learned that the collections agency listed me in collections in one of the credit listing companies. I contacted both XXXX XXXX and the collection company. They refuse to remove that information from the credit reporting bureaus. As a matter of fact the lady from collections was rude and told me that I should have paid them. A few months later all XXXX credit bureaus now had the collections in their reports. I 've contacted them approx 5 times in the last few years. I was told not to call, that the matter was resolved. I 've called XXXX energy about 4 times and they tell me there 's nothing they can do. The collections folk say only XXXX can remove the negative listing that is clearly affecting my scores and credit worthiness.. None of these companies are helping me. This should not be listed on my credit report. On top of which I never received the notification as required by law from the agency, and they ( XXXX ) were paid in full. I 've called again today both companies to make one last attempt and I was pretty much told that there 's nothing that they can do. XXXX XXXX ( XXXX ) Account # XXXX Also the date it was assigned to the collections is wrong. Its listed as XXXX XXXX, 2015. But XXXX has it as XXXX XXXX,2015.
03/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29625	Web	Servicemember
During the time that this recent XXXX XXXX account was established, my wife and I, along with our XXXX children were living in a rental home. We were paying our honest debts on time until I was laid off my job of 15 years. My wife, a XXXX XXXX Veteran, worked but it was still not enough to keep us from hitting hard times. In XX/XX/XXXX, we moved in with relatives to pay off bills we had fallen behind on and to save in preparation purchasing our own home. During the move, I had the power turned off in XX/XX/XXXX but in the midst of life, I forgot there was going to be a remaining balance. Since returning to the workforce, I have made every effort to pay off my debts and rebuild my credit worthiness in order purchase and close on our home. Then in late XX/XX/XXXX, my lender discovered that I mistakenly had not paid off one of the XXXX XXXX account that was placed in collections with Helvey & Associates , INC. Once I heard this, I made it my priority to pay this debt off as I did to the older debt in XX/XX/XXXX. I spoke with a male customer service representative on XX/XX/XXXX and stated that I needed to pay this debt and have it removed from my credit reports. He then stated that a removal could be negotiated with the full payment. I then explained to him I would be able to pay it on XX/XX/XXXX, he then stated that I needed to call back and discuss my credit needs once the payment is received. I did not write his name down ; I should have kept better records regarding this account. Nevertheless, I know the payment with XXXX XXXX was my responsibility and I am not attempting to justify this breach of my customer agreement with them ; I am simply asking Helvely & Associates , INC. for a courtesy gesture of grace and goodwill in having the credit bureaus remove the negative trade line associated with account and or the old account from XX/XX/XXXX from my three credit reports. We are still living with relatives and need our own home but this company has been a hindrance in moving forward after they stated they would have remove the debt once paid.
02/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75019	Web
I moved from XXXX, North Carolina to XXXX, Texas on XX/XX/XXXX, however my lease wasn't set to end until XX/XX/XXXX. Prior to moving, I contacted XXXX XXXX and scheduled to end my service on XX/XX/XXXX as well as provided them my new address. On XX/XX/XXXX I received a paperless bill with a balance due of {$230.00}. This charge consisted of {$130.00} new charge and {$100.00} from the previous bill. However, when I logged into my XXXX account and paid, it only charged my card for the new amount of {$130.00}. I believed my account from XXXX to be settled and did not know of the {$130.00} ( the XXXX from XXXX and the partial from XX/XX/XXXX - XX/XX/XXXX ) that was still pending as unpaid on my account. In XXXX of XXXX, I went to get pre-approved for my first home mortgage loan and was made aware of a subpar credit score on XX/XX/XXXX. On XX/XX/XXXX, I was told by the lender that I had a collections charged to my credit score in XX/XX/XXXX by a company called Helvey & Associates. I had to ask who Helvey was as I had never heard of them and were told they were trying to collect {$130.00} from me after buying the debt from XXXX XXXX. This was the first time I was hearing of this unpaid account balance. No letters from XXXX XXXX, calls from XXXX XXXX, letters from Helvey, or calls from Helvey were ever received or this charge would have been paid immediately. I called Helvey and was told there was nothing they can do but I could pay XXXX and appeal. I immediately called XXXX XXXX, paid the balance, and was told they would notify Helvey. I am now being told that despite the lack of communication concerning this charge by both XXXX and Helvey, and the fact I paid immediately upon learning of it, nothing can be done to delete it from my credit report and help to repair my credit. I have a long-standing history of on-time payments, including credit card bills, rent payments, car payments, and payments to XXXX XXXX themselves.
10/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48507	Web
The company XX/XX/XXXX had received a payment from me and they told me that year that it was sent to collection by mistake and they put me on hold and try to contact them and Helvey & Associates told me as well that the account will be deleted but they left it still when I was not notified that they did not delete it. I have been disputing this since I first saw it on my credit report. So I was going back in forth with the collection agency telling me it was deleted and paid off through XX/XX/XXXX that year and they told me that we fix it from here but we need to call XX/XX/XXXX that its paid in full but it was still showing that it was a debt collection and it showing negative on my report. I was told of this year by some rude representative that it was bought by them and it will stay there because I didn't pay them. I told that representative that why would I pay double on an account that is paid in full because I had the same utility service all year long. It was an error by XX/XX/XXXX and they told them to remove it that year and it was not removed. The collections agency lied to me for many years that it was deleted from my file and now to this day it's showing up as a negative account like its never been paid all so many months and when I called them and asked them why is it showing up as a negative account they told me that they didn't know my account was paid in full and I asked them how can they report some inaccurate information because it was a mistake sending it there and they told me that it was bought from them and the payment should go to them. I told them my service was still on and why was it sent to a collection agency in the first place. On their reviews, I have seen stories like mines. I have also reported it to the XXXX XXXX XXXX but no response to them as a business. I also have reported to the FTC, Attorney general office, and the CFRA
04/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 275XX	Web
RE : Individual Account ending in # # XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. Date Assigned : XX/XX/2020 Balance Date XX/XX/2020 Paid original amt. {$100.00} Identity theft/unauthorized account opening / Fraud. There was identity theft/unauthorized use concerning my personal credit account under collection. I do not have any account number ending in # # XXXX with XXXX XXXX XXXX ( XXXX ) account. I never received any outstanding bills from XXXX XXXX XXXX. XXXX XXXX XXXX has forwarded a collection to : Helvey & Associates, XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX ( Office : XXXX and email : XXXX ). Helvey & Associates has failed to send me any notification in writing to collect debt nor was I aware of such debt. Helvey & Associates has invertedly attached a collection to my credit report without my knowledge. The derogatory public collection is damaging to my credit report and has followed by credit score significantly. In addition, the debt has a zero balance and marked as paid. I have called and asked Helvey & Associates to delete this reported collection to both XXXX and XXXX but has refused to do so. I have contacted XXXX XXXX XXXX and they have stated a notice was given to remove any collection since this individual account was already paid. In addition, the account number associated with this collection did NOT match my account number, so I am assuming this is a fraudulent account that got filed under my credit report. I have asked XXXX and XXXX to please Deleted this collection under my credit report. XXXX and XXXX have failed to Delete this collection notice in a timely manner. This is my filed complaint with the Consumer Financial Protection Bureau and State Attorney General office. Please send me a letter or email confirmation action on deletion per requirement. Sincerely, XXXX XXXX
10/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91354	Web
The company Helvey & Associates Inc is reporting negative information illegally, unjustifiably, and refuses to acknowledge or respond to my request for retraction of their negative credit reporting. I have notified them initially by telephone, that a utility bill for property address XXXX XXXX XXXX XXXX, Florida must be removed from my credit report for there failure to properly notify me of this debt as required by both state and federal fair debt collection practices acts. It has been established by both myself and there customer service representatives that they sent the original dunning notice to the same service address that they provided the service too, at this property that I never lived in since it was a short term ownership for investment purposes. Since I did not receive the proper notification of this account being delinquent, this account ended up on my credit report without meeting the requirements under law for credit reporting. I followed up with them notifying them of this situation in writing on XX/XX/2019 ( Exhibit 1 attached ) - a correspondence to which I have yet to receive an acknowledgement or response from Helvey and Associates. This situation is extremely frustrating as I am being penalized on my credit report for an unfair, unjustified collection that I was never given the proper notification as mandated in FDCPA laws. This error, and Helvey Associates refusal to correct there mistake is causing me significant financial, emotional, and psychological damages due to my credit score dropping significantly- and not allowing me to refinance my investment properties or acquire new ones at the best terms I would be getting. These damages are in the tens of thousands of dollars and I will be pursuing a legal claim for them if this situation is not rectified immediately.
02/26/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21144	Web	Servicemember
On XX/XX/XXXX, I tried to secure a loan but was told my credit had a debt collection against it and I could only get the loan at a higher rate. I immediately pulled my credit report only to find my total score dropped XXXX points ( XXXX to XXXX ) and I had a debt collection against me. This was a 1st heard for me and I didn't get any notices or calls prior to this date. I immediately placed a fraud alert on my credit report. I called the 3rd party debt collector Helvey & Associates INC on XX/XX/XXXX, who is attempting collection on the behalf of XXXX XXXX in North Carolina. I wasn't able to talk to anyone as their organization was closed. I left a voicemail and received a call the following day ( XX/XX/XXXX ) in which we discussed the matter. During that conversation, I learned there was an electric bill account ( XXXX XXXX ) in North Carolina opened over 14 years ago in my name and there was a balance under {$900.00} that now has morphed into a balance of {$2300.00}. My account and credit was flagged XX/XX/XXXX by the collection agency. My credit report/history never had an entry from XXXX XXXX or this collection agency before last year. I never lived in that state, however I did own a rental property at the address in question ( XXXX XXXX XXXX. XXXX, NC ) over 14 years ago and sold it not long afterwards. I ended up suing my last tenant for eviction ( and won ) and later sold the home. This debt collection and the creation of a false account in my name has effected my credit score, opportunity to make purchases at competitive rates and now I must report to my government employer as I currently hold a security clearance. I would like this resolved by removal of the the debt, my credit score placed back intact and a fraudulent alert placed on my account.
07/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28306	Web	Servicemember
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX To Whom It May Concern : This letter is regarding Helvey and Associates an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX.This is a formal notice that your claim is disputed, this is not mines. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your 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 )
05/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 275XX	Web
Consumer Financial Protection Bureau, Ms. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ph XXXX fax https : XXXX XXXX : Individual Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX : XX/XX/XXXX. Set-up on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX original amt. {$100.00} Identity theft/unauthorized account opening / Fraud This is in regards to follow-up response and letter from Helvey & Associates, Inc dated XX/XX/XXXX. Contrary to there letter, it is incorrect and lacks merit. The XXXX XXXX XXXX bill with account # XXXX XXXX is NOT my account. In addition, the name on the account is incorrect. My middle name is incorrect and I do not have a billing address or property under XXXX XXXX XXXX Ct. In addition, I have never received any notices, bills, phone calls in regards to this fraudulent account. The fraudulent account was NOT set up by me on or about XX/XX/XXXX online nor did I receive any email notifications. Someone had used my email address to set up this account online. Only tenants occupied the home at that time. I never requested service on that date, nor did I occupied the home, it was leased. Furthermore, the name is incorrect on the billing information including the mailing address. In addition, since the billing address was incorrect, I never was informed by Helvey & Associates nor XXXX XXXX XXXX that a bill was due or set-up. Because of these mistakes and fraudulent utility account set-up was established without my knowledge or permission, I have submitted an Identity Theft Report Number XXXX and XXXX Police Report case number XXXX. In addition, letters from the FTC.gov reporting has been sent XXXX XXXX XXXX, Credit Bureaus and to Helvy & Associations.
05/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KY 410XX	Web
I received notice from my Credit Bureau monitoring that a new Collections account was placed on my report on XX/XX/XXXX. Upon investigation I discovered a Helvey and Associates Collection for XXXX XXXX for {$240.00}. I contacted Helvey and Associates on Tuesday, XX/XX/XXXX and was advised that unless I provide a notarized FTC Identity Theft Report and Police Report they would not assist me in removing the debt. 1. My state is currently under stay at home orders due to COVID-19. So Helvey and Associates is requiring me to risk my health by going to both an office store to print the Id Theft Report, get the notary signature and obtain a police report. 2. Notaries cost money. So Helvey and Associates are requiring me to incur cost to resolve a matter of identity theft. 3. I am in the process of working with a mortgage broker to purchase a new home and Helvey & Associates is causing me harm by delaying the process with thier ridiculous request to jump through hoops to resolve a theft of my identity that is clearly represented as such within their own internal records. The analyst I spoke with at Helvey and Associates informed me that the address of the account was in XXXX, OH. I have never lived in Ohio and I have been a customer of XXXX XXXX XXXX for more than 10 years. A simple internal investigation will reveal this information to be true. I should not have to jump through hoops risking my health and incurring costs at my own expense to resolve a {$240.00} theft of my identity. I had more than {$3000.00} worth of fraudulent credit cards and XXXX XXXX accounts opened in my name in XX/XX/XXXX and i was able to resolve all of them without all this needless running around the Helvey and Associates is requiring.
03/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 275XX	Web
I just learned there is an unpaid electricity bill that was originally in my daughter 's name along with mine. In XXXX when she moved into her own place I signed in lieu of a big deposit to get her electricity connected. That ( I thought ) was the end of it. She eventually moved out and into another apartment from XXXX/XXXX/XXXX until she moved out in XXXX XXXX ; she then had the electricity transferred in the roommate 's name. Whether when my daughter left, the electric company did n't send the last electric bill, I do not know ( they will not discuss with me now that this is turned over to a collection agency ). The electricity company has now reported me living at her last address ( my residence is 12 yrs 8 months where I am currently ). In addition, this unpaid balance of {$79.00} is now showing as a collection on my credit report. I have reached out to the collection agency ; they are very rude! They are requiring I file a police report of stolen identity since I never lived at the place where this electricity bill originated ... show proof of my residence for the time the electricity was generated at that address. I am literally being instructed to jump through many hoops. I would n't mind just paying the bill just to get rid of it but would it really get rid of it? Wo n't it stay on my credit history as a collection? Why ca n't I just pay the electricity company and ask they call off their collection agency? I personally had my daughter 's mail forwarded when she left that apartment to my residence to avoid things such as these. I believe that was for a time frame of 6 months to a year ; we never saw this bill or any letter informing it was unpaid or going into collections. Can you help me? Thanks!
06/19/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 452XX	Web
In XXXX of XXXX I moved out of my apartment of 2 years and moved into a new home. I unintentionally left my XXXX XXXX account open and was oblivious to the fact until XX/XX/XXXX/XX/XX/XXXX. I received at max 2 letters at my new address stating that this was an attempt to collect a debt between XX/XX/XXXX/XX/XX/XXXX for a balance of {$180.00}. I opened the letters and immediately attempted to pay online MULTIPLE times. If you follow the instructions and attempt to pay at XXXX you are immediately directed back to XXXX XXXX where wouldn't you know it I have no balance outstanding to pay. This roundabout system makes it impossible to pay online and is deceptive and misguiding to the end user. Given that these " attempt '' letters do not clearly state a date at which you must pay the debt by I kept trying to pay online. After finally having enough I called and asked for assistance to pay online again and was told to follow instructions on the letter I have received. This evening ( I called the debt collector in attempts to settle the bad debt in exchange for the removal of the derogatory mark from my credit history as their deceptive & negligent practices are the reason this occurred in the first place and I was told that can not be done. As someone with a very strong history of credit, a well paying job, and hopes to purchase a home in the coming years, a sharp decline in my credit score like this is very troubling to me. It is {$180.00} ... This is by no means unaffordable and something I would intentionally disregard payment on for financial reasons. I have a well paying job and a spotless history of credit and the implications of a lower credit score over {$180.00} seem egregious to me.
10/19/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34638	Web
XX/XX/2021 a letter was sent from Helvey & Associates , Inc, saying that an account had been placed with them for collection. A letter was sent to them disputing the account. A response from the alleged creditor was then received on XX/XX/2021 in which alleged creditor stated they had " completed a reasonable investigation of the dispute and found no evidence of an error or inaccurate information. '' However, alleged creditor failed to provide any proof of said investigation or disclose how the investigation was done. They then sent a letter dated XX/XX/2021 in regards to the alleged debt again saying if it wasnt paid in full, then they would report it to national credit bureaus. Another letter was sent certified return receipt mail XX/XX/XXXX to alleged creditor requiring them to provide an actual accounting of the debt ( ie validation ), verification of their claim against me in the form of a sworn affidavit or a hand signed invoice in accordance with the UCC, a copy of the contract signed by both parties, and a true and certified copy of the original agreement. None of this was ever sent by alleged creditor. Two more follow up letters stating the same were sent by certified return receipt mail on XX/XX/XXXX and then again on XX/XX/XXXX of 2021. Alleged credit did respond on XX/XX/XXXX stating that they had already verified the alleged debt, which they had not, and that they would not being doing it again. Helvey and Associates did report this collection to XXXX, XXXX, and XXXX. However, after disputing the alleged debt with those above name companies, XXXX and XXXX removed said collection account. Only XXXX refused to do so.
12/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92673	Web
in XX/XX/XXXX, i owned a property located at XXXX XXXX, XXXX, OH. at the time, tenants were renting the units. all tenants had utilities put in their name. apparently in XX/XX/XXXX, 2 tenants moved out without paying their XXXX XXXX bills. when XXXX couldnt get the bills satisfied, they sent the debt to Helvey & Assoc located at XXXX XXXX XXXX XXXX, XXXX, IN XXXX as part of XXXX collection process, they also sent two addresses that they had on file so that Helvey could reach out to me by mail to start the 45 day inquiry process. however, the addresses that Helvey has reported to me as of XX/XX/XXXX that they say were given to them by XXXX, do not match with any addresses i have ever been associated with. I NEVER RECIEVED any mail then that i was even in collections. it wanst until XX/XX/XXXX, ( when i was in the process of refinancing that I discovered the 2 collections. I promptly Helvey and paid them off. i thought at the time they would also be removed from my credit when i did pay them. additionally on the call on XX/XX/XXXX, it was also discovered that Helvey did have my correct cell phone. however, on a recorded line, i was informed that they never tried that cell to reach out to me to give me a chance to settle the debt prior to them reporting to the credit agencies. so in the end, XXXX gave Helvey 2 incorrect addresses that i have no idea about and have never been associated with. and a correct phone number that they never tried me on. so in the end, i was never given a a chance to pay this off within the 45 day period. if i would have known about this during that period, certainly would have paid it off.
10/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48066	Web
After checking my credit report back in XX/XX/XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency Helvey & Associates advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with Helvey & Associates - I am not liable for the collection of the debt from XXXX XXXX as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. This has hurt me severely in regards to obtaining credit. Helvey & Associates states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Helvey & Associates has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
06/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 346XX	Web
In XX/XX/2018 Our RV was at a park where the electric was provided by XXXX XXXX. Towards the end of XX/XX/XXXX we contacted XXXX to shut the power off at the time I believe it was two days after we moved. They did not shut the power off instead a new tenant was using the electricity through XX/XX/XXXXand now Helvey & Assoc. are attempting to hold me at fault for their clients negligence. I unsuccessfully disputed twice with the bureaus because Helvey and Associates description of events held more weight than mine even though they were not a part of the negotiations at the time we moved. I contacted Helvey and Associates explained the dates that we moved, we had the name of the person that we spoke with at XXXX, and the date and time of the call. We were told they couldnt verify it. I submitted my bank account statement showing in the month of XX/XX/XXXX before the middle of XX/XX/2018 my address had already been changed. I provided a copy of my XXXX statement showing a charge of {$1.00} from I believe XX/XX/XXXX from USPS. I have gone above trying to prove my good standing and great llengtjs to try to have this resolved only to be told the collection remained. Regardless proof was shown that I did not live at that address and they could have simply contacted the facility to obtain my move out date. I went through all of this to prove my innocence why would I not call to deactivate my electricity when I was no longer living there? Thank you for taking an objective look and hopefully provide a resolution.
03/28/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85224	Web
I moved out of my apartment in XX/XX/2018 after graduating from XXXX. I turned in my keys and moved across the country from Indiana to Arizona to start a new job. I knew I had to pay utilities for the month after I moved out so I submitted my XXXX payment. I thought that was my final payment. A year later I got a letter from a debt collector saying I owed {$100.00}. I was confused and called XXXX XXXX to discuss the payment. I was moved out, I should not have owed money. They said it was for the month of XXXX. I moved out in late XXXX. I called my apartment complex and apparently a roommate didnt return his keys, so I was technically still liable for the apartment. I immediately made the payment once I found the cause. I later learned that if I asked the debt collector to remove the delinquency prior to paying, they would have. But I didnt know, as Ive never missed a payment and never been sent to collections. Both XXXX XXXX and the debt collector refused to help or do anything, since this was clearly a misunderstanding. XXXX at XXXX point said a woman would send a letter, but never did. My credit is tarnished because of this. One agency took my side and removed it and my credit is around 800 with them, the other XXXX show around XXXX. The other XXXX simply ask for a letter stating it can be removed. XXXX and the debt collector say it is not our policy to send letters for these matters. I can not do anything, can not get help from them or credit bureaus. I am stuck.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34491	Web
I filed my Bankruptcy on XX/XX/2022. So I called several companies to notify them, including XXXX XXXX, with which I was current on payments. Then, for no reason, XXXX closed my account, cut off my service, and illegally entered my checking account, to withdraw money to pay for XXXX months of service. As far as I know, while a person is in the middle of a bankruptcy case no company is allowed to contact customers under that case, however, they sent me bills every month during the XXXX months that the case lasted. When I complained to the Bankruptcy XXXX, he called XXXX 's attention because they had acted illegally against the Bankruptcy laws, first by sending me monthly bills and then taking money from my account without authorization. But then XXXX sold my information to the collection company XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX, phone XXXX. They sent me a bill asking for the payment of the balance of {$100.00}. So I called XXXX on XX/XX/2022 ; I spoke with the agents XXXX and XXXX to whom I explained the case that I was protected under the Bankruptcy law of the state of XXXX. So they told me they were going to investigate. After that date, they never called me again or sent any notification, until I received a notification from XXXX XXXX indicating that XXXX reported the XXXX account as " Collection/Chargeoff '' on my credit. I immediately called XXXX and the same agent XXXX refused to listen to me, mocking my claim, and hung up on me.
03/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	WY XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING To Whom It May Concern : This letter is being sent to you in response to your recent communication. 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, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Wyoming and Federal Statutes. In addition to the questionnaire below, 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 I agreed to pay the creditor. I require compliance with the terms and conditions of this letter 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 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. see See Wantz v. XXXX XXXX XXXX, 386 F.3d 829, 834 ( 7th Cir.2004 ) XXXX XXXX
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 HELVEY & ASSOCIATES INC 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, HELVEY & ASSOCIATES INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HELVEY & ASSOCIATES INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HELVEY & ASSOCIATES INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HELVEY & ASSOCIATES INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. HELVEY & ASSOCIATES INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
09/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45056	Web
I received a copy of my credit report and there was a collection account from Helvey and Associates. I had never received any communications from this company, so I didn't even realize it was on my credit. I sent Helvey and Associates a letter via certified mail on XX/XX/2020 ( XXXX XXXX XXXX XXXX XXXX ) which they received XXXX XXXX, 2020. I requested validation of the debt and supporting documents from the original creditor as proof that I am indeed the party they are asking to pay the alleged debts, that they possess documentation and full accounting of the amount the alleged debt that can be presented as evidence, that the debt collector ( Helvey and Associates ) produce documentation from the alleged creditor authorizing them to contact me and pursue collection of the alleged debt, and that they have a license to collect debts in Ohio. I also requested : date of last activity on the alleged account, any and all documentation from the " original creditor '', proof of any/all obligations by way of transactions between Helvey and Associates and myself proving evidence of their authority to report, much less attempt, to collect allged debt. Helvey and Associates NEVER responded to my request for validation. They continue to report the account to the credit bureaus even though they never validated the debt within the time allowed by law.
05/21/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IN 46750	Web
I received a notice from a debt collector and within their time frame, I mailed them a certified letter asking for copies of bills and payments on this account. ( I think the amount they show I owed is incorrect. I also had been making monthly payments on this account and had telephone conversations with this provider that assured me that if I made payments it would not be turned over to collections ). The collection company then sent me an original copy of said hospital bill after insurance paid that does not show any payments that I made on this account. I sent them another certified letter explaining that I did not dispute this bill, I dispute the balance owed. I also want an explanation as to why it was turned over to collection. I had not heard back from them until today when I got another notice in the mail from them stating that unless they hear from me, collection efforts will continue. Send payment in full today! Do I not have a right to this information that I requested? When I made my payment to XXXX online they never showed me a balance. Yet the next monthly bill would come showing an overdue balance of nearly {$300.00}??? My monthly statements also did not show previous payments made. I just want written documentation showing ALL bills on this account and ALL payments received. Why can I not get this information?
01/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94591	Web
On XX/XX/XXXX, I received an email notification through XXXX that XXXX reported a debt collection from Helvey & Associates XXXX XXXX in the amount of {$820.00}. I contacted Helvey & Associates XXXX to find out that my name, social security and date of birth were used to open two gas and electric accounts from XXXX XXXX ( XXXX ) XXXX using the addresses as follows : XXXX XXXX XXXX, XXXX, North Carolina and XXXX XXXX XXXX, XXXX, North Carolina. I live in California and never lived in XXXX, North Carolina. I am a victim of identity theft with previous incidents that have occurred last year. I relayed this information to the representative and the representative gave me the phone number to contact XXXX XXXX. I spoke to the representative at XXXX XXXX in order to start the investigation and remove the accounts as fraud and to advise Helvey & Associates XXXX to remove the debt collection my credit report. Representative informed me about the accounts : ( XXXX ) Amount : {$22.00}- Account XXXX. XXXX - Address : XXXX XXXX XXXX, XXXX, North Carolina ( 2 ) Amount : {$820.00} - Account No. XXXX - Address : XXXX XXXX XXXX, XXXX, North Carolina. Representative from XXXX XXXX advised me to go to ftc.gov to complete a fraud report and mail back along with my police report in XX/XX/XXXX to begin the investigation.
11/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	SC 29673	Web
XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud said company had 4 days according to the law to remove such items. FTC fraud report on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an e-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX New York XXXX XXXX securities XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing for XXXX XXXX XXXXXXXX XXXX to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
06/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27516	Web
I have received information regarding a debt that is being claimed against me. HELVEY AND ASSOCIATES Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify this debt I need you to provide the following : - THE ORIGINAL SIGNED CONTRACT BETWEEN ME AND THE ORIGINAL CREDITOR - FULL PAYMENT HISTORY OF THE ACCOUNT. - PROOF THAT YOU OWN OR HAS BEEN ASSIGNED OR HAVE AUTHORITIES TO COLLECT THIS DEBT. - LICENSE THAT SHOWS YOU CAN COLLECT IN NORTH CAROLINA. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. Furthermore, Under 15 U.S. Code 1692c I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. I appreciate your efforts in this matter and look forward to your response. Regards.
01/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27613	Web
I opened a utility account with XXXX XXXX XXXX. When I received a bill from them the bill included a much larger bill than could be possible. When I called XXXX to discuss the issue they finally agreed to investigate after a great deal of prodding. Upon completion of their investigation, they determined that the previous account holder had done some illegal things to steal power and they had aggregated all of the previous account holders usages and placed them on my account. After getting a manager involved they admitted to their actions and they reduced the bill. But what it appears that they did to be spiteful, they send the balance to be paid to a collection agency ( XXXX XXXX. ) The problem is that now that I have paid it on my credit report as if I was a delinquent customer rather than a customer that was improperly billed. I am a XXXX and I have many XXXX. Tenants are responsible for their own utilities. When a tenant moves out I have to place the utilities in my name for a limited amount of time. XXXX XXXX XXXX has systematically tried to make me pay for all unpaid bills that the previous tenant has not paid. XXXX XXXX XXXX has a policy of attempting to confuse bills by aggregating multiple bills together in an attempt to confuse the consumer.
07/09/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 294XX	Web
Sold my house at XXXX XXXX XXXX, XXXX NC XXXX and requested my power be transferred to the new buyers ( end of XX/XX/2019 ). I have never had a late bill and always received emails and paid online ( was a customer for more than two years ). In XX/XX/2019, I was unable to log in to my account to pay the final bill so I called XXXX XXXX XXXX and they said a final bill would be mailed to me. I never receive it. I call XXXX XXXX XXXX again ( end of XXXX ) and they tell my account is closed and everything is good to go. A year later I have a credit check and my score of XXXX is dropped to a XXXX. I find out XXXX XXXX XXXX has submitted my final bill to a collection agency called Helvey and Associates. In XXXX I call XXXX XXXX XXXX and pay this bill immediately and discuss how this is absolutely their fault. They deleted my account online so it could not be paid and when I called they told me everything was closed out and good to go. Now they are saying they sent the bill in the mail which I have never received and they don't have record of my calls ( I tried to pull these records from XXXX XXXX but I can only go back 6 months ). I have had several calls to both XXXX XXXX XXXX and Helvey and Associates and spent hours with no resolution to having this fixed.
10/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30083	Web
I reached out to the company 3 times by certified mail requesting validation of this debt. I requested that they send me proof that this is my debt. I requested the original contract baring my signature, my address, my social security number. I also 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 XXXX 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. My request was sent certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and as of today they have not provided me with any of this information and are still reporting negative and inaccurate information to the credit bureau.
03/01/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OH 435XX	Web	Servicemember
I was hospitalized for 2 days. After my release I started receiving bills. I could not keep up or interperet some of the billing and when I tried to make payment arraingments with the medical facility but they said I had 30 days to pay in full. I had not even received all the billings before they turned me over to a debt collection agency which has drastically negatively effected my credit scores. The dates originated in XX/XX/2018. I had been making regular on-time payments for 3 separate collections, one was for {$480.00}, one for {$1900.00} and one for {$150.00} those totaling {$2600.00}. I recently paid those off in full. The problem with this has been, instead of the collection agency paying off the lesser amounts first, theye applied all payments made toward ONLY the highest amount, leaving the two lesser amounts at 0 % paid for the last 2 years. I was unaware of this practice until I went to apply for refinancing. My credit score went from a equifax score of XXXX to XXXX. It has not improved much because it still showed 3 accounts in collections. the two lower amounts would have been paid within a few months if any money would have been applied to them, thus not damaging my credit as bad or as long.
05/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 410XX	Web
I previously filed a complaint regarding this matter and received a response from XXXX XXXX that included a COMPLETE FABRICATION. XXXX XXXX asserted that bills were sent to the address verified on my complaint in XX/XX/2020 with no response. That is a complete and bold faced lie. NO COMMUNICATION has been sent to my valid legal address of 7+years in KENTUCKY. I know this because you did not even have my address until I provided it on the complaint in XX/XX/2020, BECAUSE THIS IS NOT MY ACCOUNT, nor did I authorize the use of my personal information to establish it. I am happy to provide an electronic copy of an FTC report ; however, you are not legally permitted to cause me to incur the costs of printing and having the document notarized as IT IS THE RESULT OF IDENTITY THEFT. I will also provide a police report ; however, you should be ashamed of yourselves for requiring me to utilize our first responders time in such a wasteful way as they have much greater concerns to focus on at this time. I alsp have not recieved notice that you have placed a disputed by the consumer comment on my credit reports as a result of my WRITTEN dispute of this debt, another violation of law.
05/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 408XX	Web	Servicemember
THE DEBT COLLECTOR MADE FIRST CONTACT ALMOST A YEAR AFTER I MOVED FROM THE SERVICE ADDRESS TO WHICH I WAS ON A BUDGET PLAN ALSO KNOW AS ( XXXX ) FOR LOW-INCOME INDIVIDUALS. A LETTER WAS SENT TO HELVEY & ASSOCIATES AND ADVISED THEM THAT THIS BILL WAS NOT OWED TO THEM AND WAS PAID DIRECTLY TO FIRST ENERGY. I ASKED FOR A DEBT VERIFICATION NOT A VALIDATION AND HAVE NEVER RECEIVED A RESPONSE. THEY HAVE WASTED NO TIME IN PUTTING THIS XXXX CHARGE THAT THEY HAVE NOT VERIFIED ON MY CREDIT REPORTS. I ALSO ASKED THEM IF THEY WERE LICENSED IN THE STATE OF OHIO TO ATTEMPT TO COLLECT DEBTS AND NO RESPONSE! THE DEBT WAS AND HAS BEEN DISPUTED AND HELVEY & ASSOCIATES NEEDS TO REMOVE THIS FROM MY CREDIT FILE ON ALL 3 CREDIT BUREAUS IMMEDIATELY OR I WILL FORWARD THIS TO MY ATTORNEY XXXX XXXX XXXX AND FILE FOR DAMAGES AGAINST HELVEY & ASSOCIATES FOR DISREGARDING THE FAIR DEBT COLLECTION PRACTICES AND NOT FOLLOWING THE LAW AND IREPTUIAL HARM. PLEASE PUBLISH THIS ON CONSUMERFINANCE.GOV SO OTHERS CAN BE AWARE OF THESE SHADY COLLECTION COMPANIES WHO TRY TO INTIMIDATE POOR PEOPLE. THEY ALSO HAVE A BAD SCORE WITH THE XXXX XXXX XXXX HAVING 62 COMPLAINTS WITH IN THE THE LAST 3 YEARS.
02/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WY XXXXX	Web
I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification 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 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. Whether this debt is within the statute of limitations and how that was determined. 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 license, license number, and the license 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. I need more details about what you claim I owe so that I can make an informed decision
04/06/2022	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 32724	Web
I was over charged by XXXX XXXX. ON A RECORDED phone call on XX/XX/2021, I was informed by a XXXX employee by the name of XXXX that there was glitch in their system which resulted in my final bill being charged too much, {$740.00}. The Actual amount I owe is {$290.00}. To which I requested NOT to be debited from my checking account. I I formed XXXX I would call in my credit card number the following Friday. On the say Friday {$560.00} was charged to my checking account anyway. When I called XXXX, they refused to discuss the matter with me, insisting the amount was correct, which clearly isn't even the original amount I called to question on XX/XX/XXXX, to begin with, they kept denying any wrong doing, or that i even spoke to anyone previously. I informed my bank the charge was not authorized by me and the money was credited back to my account. This charge suddenly appears on my credit report. I have contacted XXXX directly via phone call and was told they do not do investigation inquiries. That they only ask the reporting agency if the amount is correct or not... WHAT?! Meanwhile this is on my credit report effecting my score.
11/12/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA XXXXX	Web	Servicemember
My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. I sold the house and the bill was in limbo as to who owed the bill. I never received any notice from XXXX, or Helvy, ( collection agency ) until it was turned over to collection. I sent two letters to Helvy explaining the situation and that the bill was due / paid by the new homeowners. Zero response from Heavy. Finally when I saw the collection on my credit report, I called Helvy and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify Helvy that this was paid in full, and to mark paid and remove from my credit report. This was not done. I filed letters with the three credit agencies stating the dispute, and to remove. XXXX removed it in 24 hours. The other two agencies have not. This gross mistake by Helvy is costing me a mortgage and poor credit score. Thank you in advance for your help.
05/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33510	Web	Servicemember
I lived at the address XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and terminated my lease early due to military transfer. I attempted to use XXXX XXXX 's online portal to terminate my service in XXXX of XXXX which i assume failed as my service was not terminated until XXXX of XXXX. I called multiple times to try and explain to XXXX XXXX that i had not been living on the premises i was being charged for since the end of XXXX to which they responded that the only way I would be relieved of the {$550.00} charge to my account that occured after I left was to contact the property manager and get them to call XXXX and claim the charges that occured after i left the property. I attempted to do that and the property confirmed it to me however they said i needed to speak with the manager who never returned my multiple calls and emails. This account ( acct XXXX XXXX ) shows up on my credit report as being reported to collections even though the company and property failed to communicate and help me to resolve the charges that are not mine and that occured after i was no longer living at the property.
05/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 286XX	Web
On or about XX/XX/XXXX I pulled a copy of my Credit Report to find an erroneous posting by HELVEY & ASSOCIATES located at : XXXX XXXX XXXX XXXX XXXX, IN XXXX where they claimed I owed them {$180.00}. OnXX/XX/XXXX I sent HELVEY & ASSOCIATES a Certified Letter disputing their claim. HELVEY & ASSOCIATES either failed or refused to respond to my letter which is a direct violation of the FDCPA and the FCRA. On XX/XX/XXXX I sent a follow-up letter via Certified Mail to HELVEY & ASSOCIATES warning them of their violation and my intention to file suit to correct the issue. On or about XX/XX/XXXX I received a letter from HELVEY & ASSOCIATES stating that the account in question had been canceled and that it would be removed from my credit reports ( see enclosed letter ). To date, the removal of this erroneous account from my Credit Bureaus as stated in their letter has not happened. I am filing this complaint in order to exhaust my administrative remedies prior to filing a lawsuit against HELVEY & ASSOCIATES. Thank you for your prompt attention to this matter. Very Truly Yours, XXXX XXXX
10/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48390	Web
I have tried to have Helvey and Associates fix the date of first delinquency on my credit reports and they continue to provide standard responses to my request, stating there is nothing new to review. This will be the final attempt before taking further action. The Consumer Law states the date of first delinquency also known as the DOFD is the date an account became 30 days late which led to a charge-off by the creditor. The FCRAs Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged off or placed for collection. This is the date also used for State Statue of Limitations. Helvey has provided spreadsheets showing my last date of payment is XX/XX/2013. They have reaged this date and by further admittance in the XXXX XXXX report and have admitted they are using a date of disconnection, which reages the account out an additional year on my credit report. This is listed as unfair practices according to the FCRA which not only can they be fined for, I could sue them for a lot more money then they are attempting to collect.
09/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32779	Web
I am having an on-going issue with Helevy & Associates. My understanding is they were assigned to collect a debt regarding XXXX XXXX in early XXXX. Helevy & Associates ended up reporting the account as a collection to at least XXXX credit reporting agencies, including XXXX and XXXX. At no point did I received written notice of their involvement in the collection of a debt, nor did I have any knowledge any money was owed to XXXX. Records from XXXX indicate Helevly & Associates is reporting XXXX XXXX XXXX, XXXX XXXX FL XXXX as the address associated with the account. I never lived at this address and do not receive mail there. Any correspondence sent by XXXX would have been returned to sender as undeliverable. I did settle the debt when I found out it was reporting to my credit history. The agent for Helevy & Associates said they would request deletion of their tradeline after the account was paid. Yet, XXXX years later, it has not been deleted from my credit history, and when I disputed it via XXXX and XXXX, XXXX indicated that it should remain reporting and not removed.
12/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45230	Web
On XX/XX/XXXX, I was checking my emails. I noticed I was receiving an email from my identity alert subscription, informing me that I was in collection. I contacted them ( collection agency ) Helvey and Associates ( XXXX ). They informed me it was over an electric bill from XXXX XXXX, in the amount of {$190.00}, from XX/XX/XXXX. The address is XXXX XXXX XXXX XXXX Ohio. I sold that house in XXXX. They said, they were attempting to contact me, but they were sending it to XXXX XXXX, which was the house I sold. They did not send me a DEBT VALIDATION LETTER. I watched my credit rating go from XXXX to XXXX. A drop of XXXX points. This needs to be addressed ASAP. I think both XXXX XXXX ( XXXX XXXX ) and Helvey and associates ( collection agency ) ( XXXX ) should be reprimanded to the fullest extent allowed. I don't understand how an agency can just attack someone's credit score for no reason or proof of any wrong doing. I will be happy to provide any and all information needed, that may help prevent these people from attacking other people, with no evidence or reason.
05/22/2023	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	VA 238XX	Web
To Whom This May Concern, I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code $ 1692g, I hold the right to verify the total debt amount, including any fees, payment history, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. I appreciate your efforts in this matter and look forward to your response.
05/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30024	Web	Servicemember
There is a collection on my credit report from XXXX XXXX, with an address attached to the collection that does not belong to me. I have contacted XXXX XXXX and informed them that I am a victim of Identity Theft. Below are the account number and also the amount that was placed on my credit file. Thank you for your prompt attention to this matter Account Number Account XXXX Amount on credit reports ( Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX below is the letter I have sent in certified to XXXX XXXX Account XXXX XXXX XXXX Fraud Department To whom it may concern. I have received notification that a negative account has been reported to my credit file, this account does not belong to me I was recentlv a victim of fraud and the address for this account is and has never been a place of residency for myself, I have attached a copy of the police report filed for your review Please remove this negative account from all three bureaus XXXX, XXXX, XXXX Thank you for your time and consideration in regards to this matter XXXX XXXX
05/05/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IN 465XX	Web
This has been an on going issue. My identity had been stolen in fact, my tax returns from the early 2000 era started paying someone elses college loan by offsets for XXXX yrs that were a college called : Indiana XXXX XXXX. I never had any affiliations or attended that school but yet I paid for whomever ( The Department Of Education allowed my social security to be used to pay for their Theft of my Tax Returns through Several Collection agencies that basically revolved the money and stole the funds because I paid for Ten years of long hardships because of the theft going on! I tried reporting to the FBI web page over the years but nothing ever got resolved so I am still recovering the identity fraud in my personal life now still trying to find a resolution to the theft that is hurting my financial and personal life. I have never used governmental funds I work for a living. I am not on social media like XXXX or etc and I have or never have been in the XXXX! I am a woman and I am USA Citizen by Birth! My Name is really XXXX!
07/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32818	Web
In XX/XX/2021 I noticed a new collection on my account from Helvey and Associates. I contacted them via phone and spoke to a representative who told me a letter was sent to an address that was not mines. Confused about the entire process and being pressured to pay by the representative I paid the full amount of {$410.00}. I was told the account would be removed from my credit report. It is now XX/XX/2021 and the account is still reporting negatively although it was paid in full and I was told it would be removed. I spoke with a XXXX today who advised her company is mandated to report the account even though it has been paid. I asked her where the original notice of dispute was sent and she read off an address she said they got from a national change of address database. This is a clear violation of FCRA. Not only was I never notified of the debt or given the opportunity to validate the debt. The representative XXXX couldn't even validate my information today in order to prove the debt was even mines.
07/27/2018	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	MI 48154	Web
Chapter XXXX bankruptcy filed XX/XX/XXXX, converted to Chapter XXXX bankruptcy XX/XX/XXXX, repeated attempts to correct inaccuracies now show only Chapter XXXX reporting, statute of limitations expired XX/XX/XXXX, but shows will remain until XX/XX/XXXX Helvey and Associates, creditor for XXXX XXXX, continues to report open collection account that does not belong to me, 1st date of delinquency reports as month after last account held by me, closed in good standing XXXX reports open collection days after unauthorized hard inquiry of XXXX XXXX account ' account previously removed from file reporting again as open collection, re-aged to appear as new debt XXXX XXXX charge off account reports as new delinquency each month, and a credit utilization of 123 % despite account being closed XXXX XXXX reports as open collection, balance amount has increased slowly since appearing on report, this is not my account but remains despite repeated attempts to verify this debt
06/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28105	Web
I requested services from XXXX on XXXX of last year since it was my first time moving from my parents. I call to request service to the address XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX. I can confirm this because a representative from XXXX did me the favor to listen to the call when I requested services and she confirmed that is the address I gave them. After a couple of months I started receiving due bills from XXXX from a address which I dont have any type of connection. I ask XXXX to investigate this and they decided that the account is legitimate. They never told me of the results of the investigation and they just sent the account to collection for {$830.00}. I dont know it this is identity theft. But it is a big coincidence that services started at that address the same time I requested services to my real address which I have to call again to activate services since they were not activated which makes me think it was an internal mistake from XXXX XXXX.
08/15/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 461XX	Web	Servicemember
i ended my duke energy account as of XX/XX/2019 due to moving out of my apartment. i had paperless billing with XXXX XXXX and my phone number was linked to my account. i called XX/XX/XXXX XXXX XXXX to give my new address and to advise my service would end on XX/XX/XXXX. i had a deposit of {$200.00} on the account. after i moved out, i never received a bill, email nor phone call. i made the assumption that the deposit covered any remaining bill. i received a credit alert today from a collections account helvey associates stating i have a collections account from XXXX XXXX. i asked if this is paid will it be removed due to lack of due diligence, they said no. i am disputing the lack of due diligence. i am a veteran who is trying to get a house, been cleaning up my credit and finally in the position to do so until 20 pt drop in credit score due to this. again, i am asking that this be removed because of due diligence violations. this is very detrimental to me.
01/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48505	Web
Helvey and Associates has continued to report inaccurate information on my credit report after failing to provide verification that the account belonged to me. I submitted an identity theft to the cfpb when there was a data breach with XXXX and my information was used illegally. Helvey and Associates has continued to report this account even after not providing any contract or sign documentation. According to Metro 2 guidelines ( A collection agency debt buyer/ third party collections agency reporting shall not report after debt is paid in full. This is not an admission this is my debt, but I paided it off because my name was used to open this account illegal. I called the utility company and requested documentation and there has not been any verification that this is my account. Helvey and associates is is violation of fcra of reporting inaccurate information on credit report. This violation needs to be investigated and the XXXX needs to be notified.
12/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27520	Web	Servicemember
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. Helvey & Associates inc XXXX XXXXXXXX, 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.
04/05/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28150	Web
XXXX XXXX failed to properly enter a correct mailing address for a final bill. Therefore i never received a bill. Had power from XXXX through XXXX with them with a perfect payment record. The turned the collection over to Helvey & Associates which never mailed my a bill. This was discovered through a mortgage loan application. It has negatively been reported to 3 credit bureaus. I paid the bill in full today of {$100.00} to XXXX XXXX & contacted Helvey & Associates. They informed me that even with a payment confirmation number it would take them two weeks to get confirmation that it had been paid. XXXX XXXX & Helvey & Associates failed to report my perfect payment history of 18 years to the 3 credit bureaus. XXXX XXXX and Helvey and Associates are unconcerned that this has affected me personally, professional and financially. I am a XXXX and the lender is a preferred partner this has caused great distress to me personally and professionally.
03/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92606	Web
Helvey and Associates did not send me any notifications ( letters, email, phone call ) to indicate that I had an outstanding debt of {$360.00}. I was made aware of this debt by reviewing my own credit report. I reached out to the company on XX/XX/2021 to inquire about the debt and left a voicemail. I did not receive a response. I reached out to the company again and was notified that their system was down and they couldnt provide me with any information. I was informed that I would be contacted once their system was working, but this never happened. I had to call them again and finally got in touch with someone who could provide details regarding the outstanding debt. I made payment once I received the bill. I requested that their derogatory report be removed from my credit report since I was not provided with any prior notifications, but they refused. As a result, my credit score has dropped by over 100 points due to no fault on my part.
06/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 451XX	Web
XXXX submitted a collection to Helvey and associates saying I owed XXXX dollars for a bill from XXXX XXXX. I have a copy of my bill from XXXX for XXXX XXXX. The bill is XXXX. We moved out of that house the XX/XX/XXXX. I called XXXX and was told the bill was transferred to my account by mistake. The bill belonged to a man named XXXX XXXX. I was told the transfer department would remove it and contact the collection company within 3 days. That did n't happen. I called back and was told I should have never been given the information as it was confidential. I was told the bill was mine as they had my social security number. I asked for an itemized copy of the bill and was told they could not give it to me. I was told the bill was from XXXX and I would have to get a judge to give me a court order and a subpoena to get the bill because it was over 2 years old. I am trying to purchase a home and want my credit report corrected. Can you help me?
12/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 27103	Web
I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. 5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this accoun
09/04/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29407	Web
In XXXX of last year, my identity was stolen. I filed a series of complaints with the CFPB on XX/XX/XXXX. My COMPLAINT IDs = XXXX, XXXX, XXXX, and XXXX. I also filed a police report with the XXXX XXXX Police Department in XXXX XXXX, SC. The person who stole my identity leased an apartment with the following address : XXXX XXXX XXXX XXXX XXXX, FL XXXX. Last month, my XXXX credit report reflected that I owe {$970.00} to Helvey and Associates, a collections agency, for an unpaid utility bill to XXXX XXXX Florida. This bill is associated with the lease that was fraudulently taken out in my name and is the result of identity theft. I called Helvey and Associates on XX/XX/XXXX to confirm that the charge was associated with the address listed above, and they confirmed this to be true. I am attaching the police report I filed in XXXX along with my current credit report and a screen shot of the Helvey and Associates charge.
02/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 287XX	Web
XXXX XXXX gave a legitimate claim to Helvy & Associates on XXXX from a electric utility invoice associated with a investment property sale. They claim 2 notices were sent along with a VM left for a {$110.00} invoice. Helvy & AssociateXXXX made no reasonable attempt to collect this debt in good conscience. They pinged my credit for collection of a {$110.00} debt without attempting to collect. When I was made aware of this on on XXXX, I immediately sufficed the debt and asked them to remove this collection due to the nature of circumstances. This was not done. This has severely adversely, effected my ability to gain credit in a matter of days, dropped my score by XXXX points, and without cause. In short, they are illegally placing items on credit collections, without attempting to collect the debt. This is my only collection and has no jeopardized a XXXX XXXX dollar commercial loan obligation. Please help.
06/04/2018	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	SC 29681	Web
XXXX XXXX XXXX XXXX XXXX is reporting a collection account on my credit report with all three bureaus that they have not been able to verify it should be in collections at all. I wrote to the credit bureaus and they responded that the account was verified. On XX/XX/XXXX, I wrote to XXXXXXXX XXXX XXXX XXXXXXXX directly and in a response letter dated XX/XX/XXXX, they sent a copy of a bill from an electric company dated XX/XX/XXXX with an amount due by XX/XX/XXXX. This does not prove in any way that the payment was not paid on time. It does not prove or show that the payment was paid late. I read on the internet the Fair Credit Reporting Act and it says that the information has to be accurate if being reported by the credit reporting companies. If I didn't get a valid verification directly from the comapny, then how can they say they did? Wouldn't the company send them what they sent me? Thank you so much!
02/10/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75019	Web	Servicemember
I moved out of my Florida townhouse on XX/XX/XXXX and provided XXXX XXXX with my forwarding address in case there was a final bill not taken care of by the security deposit. Rather than sending the bill to my new address in Texas, XXXX XXXX sent it to the same Florida address ( please refer to attachment provided via Helvey verification ). I made ample notification to the utility company of the cut off date along with my forwarding address. Nevertheless, I did not receive any correspondence from Helvey and Associates. Helvey proceeded to add a collection account to my credit report on or about XX/XX/XXXX. I was never given the opportunity to pay prior to their notation on my credit report for a {$250.00} utility bill. Its unethical behavior on Helvey as I never received notice from the company. Upon reviewing my credit report, I made the payment in XX/XX/XXXX after requesting verification.
01/26/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32811	Web
XXXX XXXX XXXX : XXXX Old Address : XXXX XXXX XXXX XXXX FL XXXX To whom this may concern, I would like to apologize for the debt that was accrued toward your business ( XXXX XXXX XXXX. Unfortunately, it was a crazy time in XXXX I had just split from the mother of my child and we weren't living together. I simply never received the debt notice that was sent to the home. Again I apologize for the debt not being repaid in time because my being unaware there was still an amount owed. Covid brought a lot of unnecessary hardship that I am still managing currently. If there is anything at all that may be done about clearing this paid debt it would be greatly appreciated. At this moment I'm in the process of finding a home and this negative mark on my credit is adversely affecting my ability to do so. Please help however possible. Thank you for your time and understanding, XXXX XXXX
12/09/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 28213	Web
on XXXX XXXX HELVEY & ASSOCIATES IN Original creditor : XXXX XXXX XXXX had an update on my credit report for $ XXXX.i contacted both companies the same day on recoreded phone call and told them i never received anything about a final bill or balance.both companies said that they had my email and never emailed me a notice or call.XXXX XXXX acknowledged that there was no forwarding address or a new moving address at the time of the closing of the account no past due amount was given.i expressed that i will pay my balance and would have paid my balance if i was informed of the past due amount. XXXX XXXX Rep told me there was no balance given because they would have to read the meter both companies said they that they had no forwarding address on file.HELVEY & ASSOCIATES IN Original creditor looked up the current address which was a different address and never sent anything over.
06/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 281XX	Web
I have no knowledge of ownership of this account. Please provide original proof debt and ownership, ex : Bills, Contracts, my state issues ID, Signature, any related documents showing I'm liable for creditor debt and collection obligations in question. Please make sure your company is in compliance with Fair Debt Collection Practices Act and also Fair Credit Reporting Act ( FCRA ) and The Equal Credit Opportunity Act and The Fair Credit Billing Act and The Truth in Lending Act please make sure CREDIT LAWS for state of North Carolina and federal laws are being followed. I will also file a complaint to the Consumer Financial Protection Bureau and FBI and FEDERAL TRADE COMMISSION and creditor and collection agency. If information is not provided in a reasonable time I will file pain and suffering suit in federal court for violation 's ~815 ~808 ~809 of federal credit law.
03/04/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 334XX	Web
Started a day after my birthday, which was all the more suspicious to begin with, I received a private call ( to the best of my memory ) asking me to verify my social security number, as they had personal information verbatim. Which prompted me to not comply, as I receive automated/spam/impersonation calls claiming that I have outstanding student loans, which are all lies, as I do not have any debt and Ive always paid my bills in a timely manner. Its very difficult differentiating what calls are what, especially when Im called on private numbers. We also live in the 21st century, where virtually everyone is easier to contact via email which is what I told Helvey & Associates and their response was, due to the nature of our business, we dont disclose our identity. If I had known they were a collection agency, I would have done everything in my best interest to comply.
01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28216	Web
I have filed multiple disputes over the last 2 years with XXXX, XXXX and XXXX requesting verification and the removal of the XXXX XXXX XXXX Helvey Associates, XXXX XXXX and XXXX XXXX accounts. I have asked for the proof and method of verification from each credit bureau and they have not provided anything. On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX XXXX and they did not respond. On XX/XX/2022 I sent a debt validation letter directly to Helvey Associates and they did not respond. On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX and they did not respond. On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX and they did not respond. In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. These accounts are in violation of not reporting 100 % accurate.
01/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46825	Web	Servicemember
To whom it may concern : I am writing this letter of complaint against Helvey and Associates, Inc for falsely claiming a debt is mine and they took extreme action of reporting the balance to all 3 major credit boroughs while the dispute was still active. Helvey and Associates have never provided me an itemized bill of why I owe this supposed debt and they are unable to provide dates, times and itemization for the amount they say I owed. I did start to make payments during the dispute to avoid a negative mark on my credit but they breached their agreement and falsely reported the debt to the 3 major credit boroughs. My initial plan was to avoid being reported on my credit report and I would dispute the charge later. Helvey and Associates have no documentation or proof that the debt is valid and I know that my insurance covers 100 % of my medical treatment.
09/06/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IN 46221	Web
XXXX XXXX sent XXXX medical bills to collections. I do not owe any medical bills. I had full coverage insurance on all three bills. Medical foundation will not take responsibility for XXXX of the XXXX bills. I have proof that insurance information was sent over for XXXX of the bills. The XXXX bill the Dr. Office did not send over insurance information. My dispute was denied through the credit bureau. How do I make the XXXX XXXX take fault in their mistake? I 've reached out to a few professionals. One told me to pay the {$900.00}. The other one told me small claims. XXXX XXXX wants to charge me {$200.00} to erase the debt. Finally professional told me to gather all information from Dr. Office & XXXX an that I will be not be at fault if insurance was active, and covered the bills. The dispute will remain between the Dr. Office & XXXX.
04/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29715	Web
Was not notified of any debt owed/associated with Helvey and Associates until it appeared on my credit report. Tried to determine the action and why I was not notified, and the company refused to provide any information or proof that they sent correspondence to me at my residence of XXXX XXXX XXXX XXXX, which I have been at since 2016. Disputed this with XXXX and it was removed however, Helvey and XXXX refuse to remove debt though I am not aware of the debt, this collection company, and was not provided documentation regarding this debt in order to determine if it was correct. This company has been known to threaten people, not contact them, and threatened that I would be sued if I did not pay the debt that I was not aware that I had. In addition, I submitted a debt consolidation letter via mail, which I received no response to.
06/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 296XX	Web
On XXXX, received notification from credit monitoring service that a new collections account was added to my reports from Helvey and Associates, INC. The amount is for {$280.00}. I have not received any correspondence or notification in writing or by phone call as required by law from this company notifying me of this debt or any verification of this debt as of the date it was added. I have lived in my current address since XX/XX/2021. I had filed change of address with the USPS. Any and all past bills and mail have been forwarded and delivered from previous address as well as important legal documents from a probate case in Virginia addressed to previous residency. I believe that this company may be using " debt parking '' techniques in an attempt to collect on debts. I have also filed complaint with XXXX against this company.
12/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30606	Web
I was notified through a credit alert that a new collections was placed on my credit report. I contacted the collection agency to explain that I never received anything in writing that I owed this debt. I was told this account was open in XX/XX/XXXX and the account was in a name I havent used since XX/XX/XXXX. I have never lived at the said address associated with the account. Also I filed Chapter XXXX in XX/XX/XXXX and if this was a debt I owed it would have came up way before now. I would like the error to be removed from my credit reports now. The collection agency only wanted to talk about how I was going to pay the debt and not provide me with a letter to validate this debt Original Creditor Name XXXX XXXX XXXX XXXX Amount due : {$120.00} Opened XX/XX/XXXX ( 1 mo ) HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, IN XXXX
10/04/2021	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 337XX	Web
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. HELVEY & ASSOCIATES INC are violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. HELVEY & ASSOCIATES INC have used abusive, deceptive, and unfair debt collection practices. HELVEY & ASSOCIATES INC have violated my consumer right to privacy, I NEVER gave them any my information directly and HELVEY & ASSOCIATES INC has committed the crime of IDENTITY THEFT. I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the HELVEY & ASSOCIATES INC civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
08/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27330	Web	Servicemember
Contacted Helvey & Assoc via phone in early XX/XX/XXXX about this debt and informed them that it was not mine due to identity theft. Informed them that I haven't had a job since the early XX/XX/XXXX 's and would therefore not have opened a utility account that I obviously wouldn't be able to pay for since I had no job. They informed me to file a police report and a report with the FTC and send them the information. XX/XX/XXXX I faxed the Police Report, The FTC Identity Theft Report, and a copy of my drivers license to them as they requested. Showing that I had filed the identity theft and that this account was opened using my information but not by me. They have sent this to ALL 3 bureaus ( XXXX, XXXX & XXXX ) as of XX/XX/XXXX. I want this taken off of my credit reports, it is not my debt and they know this.
06/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91722	Web
Helvey and associates had incorrectly reported a power bill which was owed by one of my tenants which lived in one of my rental properties on my name in XXXX. I ended up paying the bill to try to get it off my report. It's still on my report 5 years later. This power bill was also never mailed to me, and no late notices were recieved. Those properties were sold in XXXX. I just got another power bill which was never mailed to me, emailed to me, and absolutely ZERO notices were sent, now Helvey and Associates has once again just reported to to all the three credit agencies taking my XXXX credit score down to XXXX. I need someone to help with their abuse. It is not fair that the dont contact the home owner or do anything to alert them before reporting them to credit agencies.
11/17/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IN 467XX	Web	Older American, Servicemember
Was sent letter claiming to owe without any documentation of charges. I called them and demanded a full breakdown of charges and a copy of any signed approval document that I ever agreed to these so called charges. Company has Never provided proof of charges or even attempted to resolve these bogus demands. I recently sent another request for proof of charges and now this shows up on my credit report damaging my credit. This Company is a fraud for reporting illegal charges never approved by me. I even called the hospital and they referred me back to Helvey and Associates who has never tried to provide me documentation of debt, because they cant get any as the Dept is not owed and never was! I am asking to have this damaging disclosure immediately removed from my credit profile
03/19/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29708	Web	Servicemember
I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even to establish additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!
05/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29406	Web
I moved out of my apartment in XXXX, Fl back in XXXX and cancelled my electricity before we moved. Time flew by and I forgot to pay my final bill. I recently saw a collection through the company Helvey & Associates go on my credit report and immediately disputed it. I called the company and asked for information and asked why I was never made aware of it. They told me they dont ever call and they told me they sent a letter to my old apartment which I no longer lived at and had no access to the mailbox. I asked for the collection to be taken off my credit report and I would pay the full amount of the debt but the lady I talked to kept repeating that it was my fault and they wouldnt remove it, all while I was trying to resolve the matter and settle this debt.
02/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28086	Web
On XX/XX/ I received a debt collection statement from Helvey & Associates representing XXXX XXXX Ohio & Kentucky in the amount of {$140.00} for account XXXX ( see attached Ref # XXXX ). I am a customer of XXXX XXXX in North Carolina. I contacted XXXX XXXX XXXX Customer Service department. I spoke to XXXX and then to XXXX with XXXX XXXX and was told there was an account set up in the name of XXXX XXXX XXXX for XXXX XXXX XXXX, XXXX, Kentucky on XX/XX/XXXX @ XXXX and was active through XX/XX/XXXX. I registered a complaint that this account was not mine. XXXX called me back after speaking to her supervisor and advised me to start this process. I also completed and returned the form ( Ref # XXXX ) to Helvey and Associates stating that this was not my debt.
05/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 334XX	Web
XXXX XXXX in XXXX has several negative reviews for billing costumers after they have terminated or ended their services with them. My name is XXXX XXXX and my credit use to be high 700s, its now XXXX over an electric bill that has been paid for. They have sent me to collections, a company by the name Helvey & Associates based out of Indiana, currently, Helvey & Associates or H & A is a third-party collection agency based in Indiana. H & A has received complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to verify debts and attempting to collect debts not owed. If you have been contacted by Helvey & Associates, understand your rights before responding. On the page of XXXX XXXX.
06/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46060	Web	Servicemember
I am writing a response to Helvey & Associates regarding a FTC avid avid and request for removal. A police report has been filed with XXXX military police. Documentation has been sent to XXXX XXXX of Indiana and will also be sent to you and will arrive soon. However, the item needs to be taken down immediately. I will also forward you letter to the FTC with police report as well. I have forwarded your response to the corresponding officer and my attorney. If the items is not removed immediately I will move forward with civil suite . Once again I ask that you remove this item from my XXXX, XXXX, and XXXX report. I would like to work this out with you but if a resolution if not met I will seek further legal action.
04/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 78238	Web	Servicemember
These people had been informed that the debt they refused to remove from my credit report was included in a XXXX. XXXX that has since been discharged. I have filed several disputes with the credit bureaus about this error, and Helvey and Associates continue to break the law by attempting to collect on a debt included in XXXX XXXX. The law clearly states that all collection activities regarding debts listed in XXXX XXXX are illegal, yet they continue to harass me and disregard this fact. They even questioned that I was telling the truth about the debt, assuming that since I have an ethnic name I'm automatically lying about it. These people are XXXX, XXXX, rude, and disrespectful. Be careful dealing with them.
12/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 160XX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
03/11/2019	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 28273	Web
This is a past due amount from XXXX XXXX in NC. I paid this off directly to XXXX and started new service with them and currently have service with them.I had no knowledge of this account being reported to a collection agency until I reviewed my credit report. After speaking with XXXX the representative said they do not report to collection agencies. I told them it is on my credit report from Helvey & Associates. This is unfair that an electric company can collect funds and send to a collection agency but NOT advise the consumer its with a collection agency. The collection agency has not responded to any of my calls and the credit bureaus are not removing the paid collection I had NO knowledge.
10/04/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85298	Web
I noticed this collection on my account in XX/XX/XXXX and immediately paid it. I asked my wife to call to try to get it deleted off of my credit report but they refused her since it was not her account. We moved from XXXX to XXXX in XX/XX/XXXX. We had an account with XXXX XXXX and we never received our final bill. It was an extremely hectic time. We were moving across the country with a XXXX and XXXX year old to a place none of us had ever been. We moved into temporary housing until we could find a permanent home. We moved into our current home in XX/XX/XXXX. You can imagine the stress of that time. We never received any notice of this debt from either helvey and associates or XXXX XXXX.
02/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WY XXXXX	Web
I am now requesting the method you used to verify certain item. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnishes of information contacted in connection with such information and the telephone number of such furnishes. As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification
01/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 342XX	Web
On XX/XX/XXXX I was notified by the credit agencies that a negative report was filed against me for a collection. Upon further research the account was paid directly to XXXX XXXX. Additionally XXXX XXXX claims to have provided one notification via USPS prior to sending it to collections. Supposedly the collection agency listed below receive the file in XXXX. I have never been contacted by them in any way and yet they feel they can just post negative information. I have contacted them directly but of course no response. This collection agency was notified I would take action if they didn't rectify the situation for which they did not. HELVEY & ASSOCIATES IN Account XXXX
04/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32714	Web
I was living at a boarding house at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL. I moved out on XX/XX/2019 with the understanding the owner, XXXX XXXX, would disconnect the services out of my name and put them into his own name. I relocated to XXXX, FL and never looked back. I signed my new lease on XX/XX/2019. I checked my credit report this week and saw an account from HELVEY & ASSOCIATES IN for XXXX XXXX in the amount of {$290.00}. I am NOT responsible for this debt as I was NOT living in the home, and I can PROVE that I was not living in the home. I am filing an FTC, FCC and FL attorney general complaint about this fraudulent account, fraudulent reporting on my credit.
05/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC XXXXX	Web
HELVEY & ASSOCIATES XXXX XXXX XXXX XXXX XXXX, IN XXXX Helvy and Associates reported to my credit during the investigation of the disputed debt. When I asked the representative why the debt was reported during an investigation, I was not given a response. The company also failed to notify me of the initial debt. I only found out through looking at my credit report since we moved to a new address. I called the company multiple times to speak to someone about why my credit was hit during the investigation time frame and was disconnected multiple times. I believe this company is extremely aggressive in reporting to the credit bureaus before receiving all the facts.
01/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28012	Web
I received a collections letter from Helvey & Associates Inc about a utility bill balance of {$53.00}. I explained to someone at the company that I am a victim of identity theft and I have no knowledge about the bill. The company took it upon themselves to search through public records to pull up my name XXXX XXXX. I did not give them permission to search me. I am a XXXX XXXX XXXX as well and I try my best to live in privacy because of that. This company keeps calling me repeatedly from different numbers through out the day. They have no verifiable debt information and I ask that this company leave me alone immediately before I seek legal advice from my lawyer.
01/31/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27703	Web
I noticed a collection for {$140.00} on my credit report through XXXX in XXXX of 2021. I was surprised because I had not been notified previously of an outstanding debt nor did the collection agency, Helvey and Associates, provide me with any validation information. I disputed the collection through XXXX XXXX in XXXX, 2021. I still did not receive any information. I again submitted a dispute through XXXX XXXX in XXXX of 2021, and again, I received no correspondence. Therefore, I sent a certified collection validation letter to Helvey and Associates. I was notified that it was signed for on XX/XX/2021. To date, I still have not heard from Helvey and Associates.
12/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32205	Web
On XX/XX/2018, XXXX XXXX XXXX XXXX, placed an account for collection on my credit file impacting all three credit agencies. The original creditor is XXXX XXXX ( XXXX ) in the amount of {$2400.00}. I spoke to a representative at both XXXX XXXX and Helvey & Assoc. and explained that this was my father 's account who passed away. If there is any money owed, XXXX XXXX will have to file a claim against the estate and open probate. XXXX XXXX and Helvey & Associates are trying to subvert the correct legal process and try to collect against myself, who was the XXXX XXXX of the estate. If this is not removed, I will file suit against both XXXX and Helvey & Associates.
01/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IN 46545	Web	Servicemember
I had two collection accounts put on my credit report from Helvey & Associates. I paid these accounts as soon as they were brought to my attention and they told me that they would be removed from my report and it would not damage my credit score. This is not true as my credit score has decreased by 90 points. They had an incorrect address for me and I never received any written letters. They did not have a specific unit number and sent the letter to a general commercial address and I did not receive any written correspondence from them. Now, my credit is destroyed and i'm trying to purchase a home and i'm unable to get approved as a result of this incident.
06/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28645	Web	Older American
I had a rental unit for an employee that I was paying for, inclusive of the electric and water. On XX/XX/2019 our lease was up and we moved. The XXXX XXXX XXXX XXXX was canceled and XXXX was installed, the water was canceled and my employee started his own account for water, and when we called in to XXXX XXXX to transfer the service, they informed us that they didn't service the area and referred us to XXXX XXXX. Eight months later Helvey & Associates , Inc. hit my credit reports. I was not contacted at all from XXXX XXXX for the 8 months. I am assuming they failed to disconnect the account and are attempting to charge me for the next tenant that moved in.
06/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30096	Web
I paid in XX/XX/2020 for a collection bill for XXXX XXXX XXXX electric bill of {$270.00} account # XXXXHELVEY & ASSOCIATES INCORPORATE never discussed anything about disputing after I paid my account. I asked HELVEY & ASSOCIATES INCORPORATE to remove and dispute it from my credit report. They stated that they could not remove it and that it would remain on my credit report. HELVEY & ASSOCIATES INCORPORATE never said that at the beginning of me paying for my account. HELVEY & ASSOCIATES INCORPORATE has affected many customers by not removing or discussing anything about disputing a collection. HELVEY & ASSOCIATES INCORPORATE is not a XXXX ACCREDITED.
01/22/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 295XX	Web
I am not liable for the debt with XXXX XXXX XXXX. I do not have a contract with HELVEY & ASSOCIATES INC. They did not provide with the original contact as requested. I believe I was a victim of identity theft as I dont and never had revolving credit. 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. Failing that, the item must be deleted from my credit report as soon as possible as I am not liable for the debt with XXXX XXXX XXXX, I do not have a contract with HELVEY & ASSOCIATES INC either. I did report to the XXXX
03/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34748	Web
The collection agency XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, IN XXXX, are reporting a {$0.00} debt on my report in which the debt was never paid out to them but to the original creditor. Also, never received any mail concerning any debt owed to this agency. I reached out to this collection agency after reviewing my credit report noticing this error to inform them to remove this account. I have also sent a dispute letter to this agency and have yet to receive any information about this account being deleted. I do not know this company as well as never have done any business with this company. This company does have a contract with my signature.
08/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 278XX	Web	Servicemember
In XX/XX/XXXX, we sold our home located at XXXX XXXX XXXX XXXX XXXX, NC. We had utilities with XXXX XXXX and a balance was left on the account without my knowledge. On XX/XX/XXXX, a cashiers check from XXXX XXXX XXXX XXXX was sent certified mail to Helvey and Associates for {$420.00} ( the collection company collecting on behalf of XXXX XXXX ). The check was received on XX/XX/XXXX, at XXXX XXXX. On Saturday, XX/XX/XXXX I received a notification on my XXXX XXXX app that my credit score had dropped. When I checked I saw an item in collections that was added on XX/XX/XXXX, for XXXX XXXX under Online collections services in XXXX, NC.
08/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32837	Web
I look at my credit score, and I saw my credit score went down like XXXX XXXX, than I saw a derogatory account, by this helvey assoc., that I own them {$240.00}, I call them to see how this happened, they got my full name and address, so I could figure out who's behind this, they say the only way they let me know if I pay them some money, when I ask what do they mean they say I don't advise to pay because this is going to stay on your record for 7 years. when I ask where is this debt came from he said pay me XXXX a month to dispute the claim so I figured it is a form of fraud and I hanged up. the firm name is halved associates.
03/19/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KY 42303	Web	Servicemember
I notice Helvey and Associate on my credit report for an alleged over draft debt about a checking account. First Inever received a notice to dispute there claim because I owe them nothing. I never applied for any type of credit from them. Secondly, I believe if this alleged debt is mine shouldn't an overdraft charge shouldn't it be con XXXX? I've read many complaints on this company about their shady and harassing tactics. I will also be contacting a consumer lawyer about my rights and how Helvey and Associates never mention I had 30 days to dispute this debt on ANY dunning letter. My consumer rights have been violated.
07/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 28031	Web	Older American
I explained to the collector that the energy company had provided me with a refund. All mail was forwarded to my XXXX XXXX XXXX Never received bill. I was willing to pay once the collection agency submitted to me a bill for the requested payment. He assured me that he would. I have received no such information, only a bill presented to me by the collection agency. I feel that an itemized bill is not to much to ask for since I received a refund check but never a bill payment due. I am still looking for validation that I owe these monies. I do no think I should pay a bill to anyone who can not present proof of this debt.
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28269	Web
This account does not belong to me! I am a victim of identity theft. For one the address on this account does not belong to me. You guys address for the account is XXXX XXXX XXXX XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX. And at my home Im residing in I actually have an account with XXXX XXXX. The account number on my account with XXXX XXXX is # XXXX the account you guys have does not belong to me. I need it deleted because its hindering my home buying process! No one called me to acknowledge this account. Or to settle something because of they would have I could of just sent this the FTC report
11/09/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 47905	Web
on XX/XX/XXXX i checked my personal credit report and noticed that there are several erroneous pieces of information that are currently reporting. I did not apply for these accounts or give anyone permission to apply for any accounts using my name or social security card. the first account is acct name : helvey assoc acct # : XXXX opened on : XX/XX/XXXX balance : {$110.00} acct name : helvey assoc acct # : XXXX opened on : XX/XX/XXXX balance : {$110.00} i currently dont have any information about how this information came to be on my credit profile but i will be using this document to file a police report today.
07/13/2022	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 Their investigation did not fix an error on your report	IN 47408	Web
XXXX and XXXX continue to report a collection account from Helvey & Associates. I have never had any business with Helvey, was never alerted they were trying to collect a debt or anything. I moved out of an apartment serviced by XXXX XXXX. When I found out I owed them money, I paid them. I was never contacted for collections by Helvey or XXXX. I just ended up paying XXXX but Helvey continues to report. I would like the Helvey collection removed from my credit. It is damaging my XXXX scores. Just reporting to the credit bureaus without any attempt to first contact and resolve a debt is shady business practice.
06/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 804XX	Web
Notified by credit monitoring company that I had a collection item negatively affecting my score. The collection record was placed by Helvey and Assoc for XXXX XXXX of Ohio. The debt was for the final gas bill as the house was sold XX/XX/2020. I had notified XXXX of my forwarding address via phone call, also filed a change of address with the post office. Additionally, XXXX sent their billing confirmations to my email address. And yet, I received no notification of an outstanding balance. Helvey refuses to remove the collection record even though I paid the debt the day it was reported to XXXX.
09/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 483XX	Web
I was renting apartment in XXXX, MI and the utilities was submitted through the landlord. I notified the landlord that I was moving and set a date to move out. I move out on the agreed date. The landlord must of kept the utility bill running for months after I left. I never received any notice from Consumers energy or the landlord of any bill. I later received a phone call from a collection agency stating I owed on a utility bill from consumers energy. I was confused but I agreed to pay the bill but the company needed to remove it from my credit history etc- since I had not clue that occurred.
08/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78729	Web
I had XXXX XXXX and when I moved away to texas on XX/XX/2020. I called and spoke to a rep.. to disconnect. Then in XXXX of 2020 I was told they didnt recieve my request. I told them again to disconnect. Then an old neighbor said my electric was still on so again I called them in XX/XX/2020 and the rep assured me that if the power was still on it was not under my account. She said more likely the home owner. Then now I dispute after not having any luck with any of XXXX XXXX customer service reps. And they continue to not even look into it. They made an error and now I'm being held accountable.
03/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28215	Web	Servicemember
I received a debt collection notice via USPS on XX/XX/XXXX for the amount of XXXX owed to XXXX XXXX XXXX, I called my local XXXX XXXX XXXX in North Carolina to verify the information given, They informed me that this is a bill for an address in Florida and this could be a result of fraud since I have never lived or opened an account in Florida. They informed me to report this to www.FTC.gov and call all credit report agencies, I also tried to call the collection agency Helvey & Associates , Inc . I left a message to call me with all information provided, I have yet to hear back a response.
03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28104	Web
It has been deleted off XXXX and XXXX but XXXX is still reporting false information and harassing and calling and sending letters and keeping false inquiries that are not verified and accurate to my credit report! I have disputed over and over again and they are refusing to deleted these false things off of my credit report and sold false information to the credit bureau without my permission and false information and did not re investigate but instead constantly sending letters and it had caused me financially a lot of money and denials due to fraudulent accounts on my credit report!
03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11210	Web
Helvey Associates are reporting a fraud account on my credit. I didnt open this account nor did I utlize it. Someone used my personal information to open an account that eventually was transferred to Hevel Associates. I paid Helvey Associates {$100.00} with the agreement that this account will be remove from my credit. Despite the payment the account is still reporting. This account was NOT mine in the first place and thus I am requesting the removal of this account from my credit. Please see the attached FTC report and my driver license and remove this account from my credit
09/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30294	Web
We called in XXXX to end shut off service. Our lease was ending and we where relocating to XXXX. They did not disconnect the service on XX/XX/XXXX as requested. The new renters continued to use the service under me well into XX/XX/XXXX. When we received the bill and disputed why it was not disconnected when we requested. After the investigation, they found that the final bill should have been {$160.00}, however they sent us a final bill and reported to credit agency without allowing me to pay the bill. This should never have went to the credit agency since it was their error.
04/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 41051	Web
I received an email from XXXX XXXX telling me to dispute a collections claim for XXXX XXXX. Ive never or opened an account with this company. The collection company is requesting {$1200.00} dollars for an unpaid bill for an account Ive never opened. I contacted duke energy and was told to start the dispute process. XXXX XXXX stated the account is closed due to non payment but did acknowledge to file that it was opened fraudulently. I will be filing a police report for this fraudulent activity as well as continuing the process to get this collection/debt off my credit report.
01/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 48390	Web
Helvey and assoicateds is trying to collect on a debt from XXXX that is incorrect. I stated this from my first cal with them and requested proof of the debt. They sent me over a ledger that clearly shows the last two months of service of being estimated and not an actual meter reading. This is being reported on my credit reports and should n't be as it is not a verified amount. The agent on the phone said I need to call consumers myself to handle this. If that is the case they should n't be allowed to be reporting something that they themselves do n't know if it is correct.
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28212	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
07/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85282	Web
I created an account to monitor my credit and was surprised to see a collection from Helvey & Associates which dropped my score significantly. My grievance with this collection is that I received no phone call ( s ) or contact via USPS mail to confirm this collection is mine or valid ( FDCRA ). Due to this, I did not obtain the full statutory period in which to dispute the validity of the debt in question as I did not receive any initial notifications regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 452XX	Web
XXXX XXXX, made phone call to company to resolve issue XX/XX/22 phone call to resolve and explain the situation XX/XX/22 sent written request and explanation Never received notice that there was ever a balance. Company saying that I never switched out of my name. But billed the landlord the bill. False address reported on my credit report- the address belongs to landlord. I personally, was never notified of a bill balance until it hit my report. False communication reported and false information. I have notified company multiple times and refuse to fix it.
01/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48205	Web
While reviewing my credit reports I discovered a debt collection from Helvey & Associates Inc. I sent the company a debt validation request for them to VALIDATE not verify the debt they are trying to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with a billing statement for customer XXXX XXXX. My name is XXXX XXXX. This does not prove that I am the party who they are seeking to pay this debt. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
08/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 275XX	Web
I got a notification on my credit report that a collection was added to my credit report from Helvey and Associates onXX/XX/2019. I never received a letter about this debt, it just showed up on my report. I sent a debt validation letter to Helvey and Associates on XX/XX/XXXXrequesting validation of this debt. I have not received any response from this company about the debt they claim I owe. Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.
09/07/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32819	Web
I was using XXXX and moved out of address. I was going to pay the bill to XXXX and then a month too late they gave this debt to helvey so i contacted helvey today that i want all derogatory stuff all credit file in exchange for the XXXX paid in full today and they refused to help me do that i called XXXX back and offered the XXXX if they would remove all derogatory XXXX and they said it is too late to pay them directlyt so i want to pay this XXXX today cash and only if they remove my collections and late and all negative remarks all bureaus ..
02/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 338XX	Web
I had an unpaid balance of XXXX with XXXX XXXX for last electric bill owed at previous address XXXX XXXX XXXX XXXX XXXX, fl XXXX. I sold this property and relocated to another address, If notice was mailed, I never received notice of unpaid balance at new address in XXXX, fl. I was informed of balance from debt collection agency XXXX XXXX XXXX at which I was given 10days to pay in full. I immediately paid off the XXXX balance once notified of this, however, Its now showing on my credit report as delinquent!! It has been paid off in full!! a
02/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27707	Web
XXXX XXXX started service at an address in another state and incorrectly assigned it to my account. I received a first bill, at which point I contacted them to say the service address was not mine. Then I received a final bill for {$110.00} for the same incorrect address, and again contacted them to say it was not mine. I just received a letter from a debt collector for the amount of the final bill. The attached is a copy of the final bill. I have no connection to this property ; I have never been to and do not know anyone in XXXX, SC.
08/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27705	Web
I, XXXX XXXX XXXX, am submitting this on my behalf without any third parties. On XX/XX/2022, I received a debt collection letter, without my consent, from Helvey & Associates , Inc. claiming I owe a XXXX XXXX XXXX. I do not know them, I do not owe any alleged debt, nor wish to do business with either corporation. Im not aware of how this corporation got my private personal information but it is a violation of my right to privacy. I demand all communication cease or else Helvey & Associates , Inc. will be in violation of the F.D.C.P.A.
09/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	SC 299XX	Web
Sometime in XX/XX/XXXX I call Helvey and Associates for my XXXX XXXX account that I paid in full. I was told that it would be deleted and its still on my report even though it says that it's closed that was not what I were expecting I want them to do what I was promise I never receive my deletion letter as well, please make them keep their word I was also told by the lady can not remember her name that some kind of law pass like 2 or 3yrs ago that any bill that is paid in full will automatically be deleted because of the law.
07/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33618	Web
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 283XX	Web
I need this ( XXXX XXXX Account # XXXX ) account remove because its showing different dates of last activity to all three credit bureaus the dates are wrong and its just showing In accurate account info payments is also wrong and I thought by law the creditors suppose to report the right information all 3 creditors is showing inaccurate info Helvey Assoc 3 different dates and I dont have a balance so why is it still on my report & XXXX XXXX showing 3 different dates and inaccurate info as well ... I need them remove.
07/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32137	Web
I noticed a collection on my account in XX/XX/2019 that shows as opened XX/XX/2019. This collection agency is Helvey and Associates, on behalf of XXXX XXXX. The date shown that the collection was opened shows XX/XX/2019. I do not have an account with XXXX XXXX and have not for 10 years. I have contacted Helvey and Associates by mail twice asking for proof of this debt and have not received a response. I have not received one collection notice or contact from XXXX XXXX nor Helvey and Associates. This debt is not mine.
02/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28278	Web	Servicemember
Have not received enough information to verify the following debt. I was never contacted or received any letters by the original creditor listed that a closing balance existed. I have paid all balances with the original creditor per notice.HELVEY AND ASSOCIATES have placed a collection on my profile for the amount of XXXXI have attempted to resolve this issue multiple times with this company. This inaccurate reporting has interfered with my ability to get approved for certain financial products such as car loans.
10/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AR 727XX	Web
XXXX IS IGNORING THE CONSUMER FIRST WITH ME XXXX, XXXX XXXX AND NOW MY WIFE. THIS IS A GREAT CASE. CEASE AND DESIST COLLECTION COLLECTING, CALLING FOR XXXX XXXX XXXX REF. NO.XXXX, {$57.00} DUE TO XXXX. XXXX IS PAYING LATE ON THIS BILL. XXXX XXXX XXXX ACCOUNTS XXXX IN THE AMOUNT OF {$310.00} DUE TO XXXX AND REF NO. XXXX IN THE AMOUNT OF XXXX DUE XXXX. AS STATED BEFORE XXXX WILL BE WRITING OFF ALL XXXX XXXX DEBT SOON AND YOU MUST DELETE ALL CREDIT REPORTING AT ONCE FROM XXXX AND ALL OTHERS.
02/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 296XX	Web
XX/XX/2022 is when I first noticed a balance owed of {$2000.00} to my tradeline from Helvey and Associates for XXXX XXXX. This is not my debt. I was the victim of identity theft. My information was left in the home they apparently rented after me. They opened a credit card, XXXX, and lights in my name. I left the home in which belonged to my ex and only packed my clothes and moved 3 hours away for a job. I have not lived in XXXX XXXX in 7 plus years. I live 3 hours from there. Please remove.
01/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 451XX	Web
I received a letter from " Helvey and Associates '' on XXXX XXXX, 2016 stating that I had an outstanding electric bill with XXXX XXXX. This letter was dated XXXX XXXX 2016. I immediately called XXXX XXXX. They stated that they had made a mistake and never sent me a final bill. I then immediately paid the amount due. Then on XXXX XXXX, 2016 " Helvey and Associates '' reported it as a collection account on my credit report and they are refusing to remove it unless I pay them additional money.
07/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 45103	Web
XXXX XXXX was notified in 2019 of my Bankruptcy and would not allow me to turn off the electric in home I had been renting until XX/XX/2019. I moved out and they continued through XXXX under my name. My bankcruptcy was discharged on XX/XX/2019. They sent the debt to Helvey & Associates who refuses to remove the collection from my credit bureau reports. I have disputed it multiple times with the company and they still have it on my credit even after it was included in bankruptcy.
04/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33547	Web	Older American
XXXX XXXX gave my account to a collection agency. I never received any correspondence about an overdue bill. Neither XXXX XXXX nor the collection agency sent me any emails. They claim that the USPS returned the correspondence. XXXX XXXX placed the collection record on my credit report with the 3 agancies and this downgrade my credit score, which is now costing me money. This was the final bill for a property that we sold. We filed a change a forwarding address with the USPS.
08/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27603	Web
The company reported a frivolous account on my credit report. I had moved and paid my last bill with XXXX XXXX. And moved to a new address which again had XXXX XXXX service. Despite that, they sent me to collection without notifying me at my new address and I still ended up paying this 2nd bill. I was told at the time of paying this that the account would be removed from my credit report and this did not happen. The account has also been re-aged by the collection company.
04/12/2023	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	SC 29045	Web
Hello, I never received my original contract with my wet signature and I never signed a contract with XXXX AND XXXX and they have failed to validate the debt. You have violated and compromised my private information according to the XXXX XXXX. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached 2 pieces of information for proof of my identity.
07/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33444	Web
I received a letter from Helvey & Associates , Inc. for an alleged debt that I do not owe. When I called Helvey & Associates they were rude and hostile towards me in flagrant violation of the Fair Debt Collections Practices Act. I do not want any further communication from Helvey & Associates in any form. I do not owe them any alleged debt. They have flagrantly violated the Fair Debt Collections Practices Act with their abusive and hostile debt collection practices.
05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28613	Web
On XX/XX/XXXX I paid a collection with XXXX XXXX. havley is the collection company that has the collection listed. The payment was make to the original creditors XXXX XXXX. Havley was informed of this and ask to verify I co tacted them 30 days later because the information had not been removed. They stated that they only update o XXXX a month around the XXXX of the month 45 days and a week after they said they do their updates the information is still incorrect
08/11/2019	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 Their investigation did not fix an error on your report	SC 29532	Web
I am currently going through a divore and I was no longer living at the address that was on file for the utility company. There was an outstanding balance of {$100.00} that went into collections and I had know knowledge of this until it hit my credit report. I contacted the collection agency and quickly paid the debt. I was hoping that the derogatory mark can be removed from my report. The agency that handled the collection was Helvey Associates on XX/XX/2019.
07/10/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27603	Web	Servicemember
Heavy & Associates flagged my credit report in attempt to collect a debt. I never heard or worked with this company who is trying to collect this debt of XXXX dollars as of XX/XX/2022. I personally stay in the state of XXXX XXXX, this company is out of XXXX, XXXX. I know for a fact under the FCRA this company has broke more than one code. 15 USC 1692 C ( A ) 15 USC 1692 ( B ) 15 USC 1692 B ( 5 ). I will make a complaint with the BBB as well about this company.
04/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28052	Web
I was going to move into an apartment complex but didn't go through with it. Later on I found out that there was a an energy bill at that apartment complex in my name that I didn't authorize. It's through XXXX XXXX but being collected by helvery and associates. I wrote them a letter asking for proof the debt belongs to me or for them to remove it. It has been 2 months and I haven't received any proof, and it's still on my credit for the amount of {$870.00}.
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	IN 46060	Web	Servicemember
My name is XXXX XXXX and I an XXXX member of the United States XXXX. Between XX/XX/XXXX and XX/XX/XXXXmy identity was compromised, and numerous items were taken out in my name, Helvey & Associates has been notified by the armed services identity theft division of the breach yet is still reporting a balance of {$1300.00} for electric services with XXXX XXXX that I never took out. Please have XXXX XXXXXXXX XXXX remove this item from m XXXX, XXXX, & XXXX report.
01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28328	Web
i have previously reached out to Helvey & Associates and also XXXX XXXX to correct the account status reporting inaccurate. this account has been paid and it's still reporting derogatory status. this is stopping me from improving my credit scores. i have attached the proof via receipt that this account has been paid XXXX XXXX. Helvey & Associates - Acct XXXX - delete this account because account status reporting inaccurate. Payment confirmation # XXXX
02/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 480XX	Web
HELVEY & ASSOCIATES Contact XXXX XXXX XXXX XXXX XXXX, INXXXX ( XXXX ) XXXX I paid XXXX XXXX directly in full. called Helvey & associates with paid account information the person I spoke to was upset I had Gas company and not them, said they would not remove it as showing in collections even with a {$0.00} balance. because I owed them. It is still showing as 1 account in collections with a {$0.00} balance. I have lost 2 places to stay because of it.
03/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33173	Web
I have a fraudulent debt from Helvey & Associates for {$210.00} placed on XX/XX/ that I was just made aware of as it caused a XXXX point credit score drop. It stems from XXXX XXXX whom Ive had no debt with. I am completely on time with their payments and have not been contacted by XXXX for anything, nor is there any record of an outstanding balance that went unpaid. I have also not be contacted by Helvey & Associates. This debt is fraudulent.
09/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75126	Web
I have been working with Helvey and associates about a debt, I was never told the bill was in collections, I also had to pull my only credit to see this was an issue. Once i found out I owed money i paid it. I asked the company to please removed the debt they were very rude, they told me i should pay my bills on time. I have already paid this debt the company will not provide any information for me, such as a receipt or a deletion letter.
07/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33411	Web
i woke up XXXX morning and saw my credit drop so i check and see a random collection for XXXX $ to XXXX XXXX. i dont even pay rent or anything like that so i was confused. i USE to live at XXXX XXXX XXXX 3 years ago. i have proof i HAVENT lived there no time recently and whoever does was using my name for fraud and let the debt collect.. i have put doccuments below to show that i havent been associated with that address for a long time.
02/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33881	Web
I have no idea who these people are. I have never contracted with this company. It's all fraud. A company called Helvey and Associates item # XXXX have been reporting false claims to the credit bureau knowingly that I've never heard of them until my credit report. This company and XXXX XXXX are both reporting false information to hinder me from obtaining credit. {$130.00} and it appears to be the same items masquerading as accounts.
10/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28214	Web
On XX/XX/2023, I received a notification from the credit bureau that my credit score decreased by XXXX points. Upon checking, I noticed a new collection account from Helvey & Associates. The collection amount is {$220.00}. I have never received any communication from this company to even dispute, acknowledge or look into the debt, There is no original creditor listed and I have never done any business with Helvey & Associates.
09/29/2021	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	AZ 85035	Web
I reached out to the company via phone before a payment was made to this account advised of a pay to delete and i was granted that information if i processed the payment they would delete the account in full so i processed the payment afterwards i never received anything from this company but they did make sure to updated my credit report showing paid but never removed the account from my credit report as i was granted
07/03/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	IN 465XX	Web
I was given noticed that HELVEY & ASSOCIATES, INC. has taken my debt, and I was given 30 days to dispute it, but I have not been able to get in touch with them as their phone number is disconnected. The debt also is not valid as my insurance company was not notified of the claim and I was told that no one contacted them about my medical bills or hospital fees and they have requested to see the claims from the hospital.
12/18/2017	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	GA 30096	Web
I received a copy of my credit report. I disputed the account listed as Helvey and Associates for a zero balance. I have never had any dealings with this company. I sent a letter to the credit reporting agencies to verify accuracy and to send me any documentation. I received letters back from both XXXX and XXXX saying they verified the account but i have not received any information providing supporting documentation.
02/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
On XX/XX/XXXX I sent a letter to Helvey & Associates in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XX/XX/XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from them.
01/21/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 282XX	Web
XX/XX/XXXX a debt collection for {$160.00} was paid in full with Helvey and Associates with an old account with XXXX XXXX. it has been over 90 days and on XX/XX/XXXX I disputed the account listed as negative on my credit report to be removed. The company refused to remove my collections account even after it was paid in full over 90 days ago. This is violating the FCRA and prohibiting me from obtaining a mortgage.
01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 452XX	Web
I was told by the Agency that a letter was sent to me for debt collection. I did not receive any letter at my address, while on the phone with the agency, I was told that the letter was return, which doesn't make any sense because that same agency has my address. However, I was not aware of any collection of any sort because I would probably make arrangement if not make a payment, if I was informed.
05/13/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	NC 27560	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!
04/15/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29690	Web
Helvey & Associates is a third party company that purchased a debt that I owed to XXXX XXXX for the amount of {$1100.00}. However according to NMLS they are not licensed to collect in the state of South Carolina. In addition I have not given written consent to the original creditor, debt collector, nor the credit reporting agencies to report this debt that is non public information.
06/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46060	Web	Servicemember
This complaint is not a duplicate. There is ftc identity theft report attached to the complaint regarding Helvey & Associates. XXXX XXXX XXXX is willfully reporting a fraudulent items my XXXX, XXXX, and XXXX report. The account is for XXXX XXXX. The marking of duplicate status by the creditor demonstrates failure to undergo proper investigation and avoidance of the issue.
10/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IA 507XX	Web
This creditor/debt collector has continued to report an unverified alleged account that is damaging my credit history. I have requested several times for this alleged account be verified with a copy of the original contract with my wet ink signature between myself and Helvey & Associates, INC. or the original creditor. I have also requested that this subterfuge be deleted.
07/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 727XX	Web
COLLECTOR FAILED TO VALIDATE BOTH COLLECTION ACCOUNTS FOR XXXX, THEY WERE PAID LATE BY MEDICAID! THEY CALLED XXXX XXXX XXXX CELL 11 TIMES IN VIOLATION OF T.C.P.A. AND INDIANAS DON'T CALL REGISTRY. THEY ARE UNLAWFULLY REPORTING TWO ACCOUNT ON ALL BUREAUS W/O FEAR OF BREAKING STATE LAWS. WE ARE STARTING A CLASS ACTION EFFORT TO ELIMINATE FURTHER CONSUMER LAW BREAKING.
04/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28210	Web
My apartment burned down in 2018 where my electric bill was still active in an uninhabitable environment. XXXX XXXX charged me for a timeframe that I was not in the unit and I was required to pay it to move back in, which I did on XX/XX/2018. This account is currently negatively impacting my credit report as a collections account and a charged off account on my file.
01/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29673	Web
Helvey & Associates , Inc. is violating my rights under the FDCPA by communicating with me about an alleged debt that I have no knowledge of and am not liable for. I have not signed a contract with Helvey & Associates , Inc. or XXXX XXXX XXXX. I did not provide consent for them to contact me or to furnish information about me to the consumer reporting agencies.
06/29/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27804	Web
I have repeatedly asked this Collection Agency to provide me with validation that the account belongs to me. After doing further research this company Helvey and Associates are not licensed or bonded to do collect any debts in the state of North Carolina. I have checked my state website XXXX XXXX XXXX. No information for this collection agency is listed.
03/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60108	Web
Collection agency Helvey & Associate in XXXX XXXX XXXX XXXX XXXX, in XXXX ph XXXX XXXX Has reported a debt under my name with a different address and phone that belongs to somebody else in the amount of {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Phone number XXXX These peop! e took my identity please help me find out and take action ....
04/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27615	Web
This company is reporting a collection on my credit report with account number XXXX. On XXXX XXXX, 2016 I sent this company a letter requesting validation of a collection they are reporting on my credit report as paid. Not only did they completely ignore my letter, but they are also still reporting the unsubstantiated mark on my credit report.
05/02/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85298	Web
We moved to Arizona and was not made aware of debt from XXXX XXXX. I am trying to refinance my mortgage and just found the collection on my credit report which I promptly paid. I work all day and am unable to call the company to get debt removed myself. When my wife called they refused to help her get the debt removed from my credit reports.
07/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32808	Web
Helvey and associates says I owe {$510.00} for an XXXX XXXX thats linked to an address I never lived at. Its been placed on my credit report damaging my credit. At the time of bill I was still living at my same residence now. Im including an utility bill from XX/XX/2022 proving my location at the time of bill linking to someone else address
06/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33578	Web
Saw on my credit report for a debt to XXXX XXXX for {$200.00}, but I have never recieved anything in writing from Helvey and Associates. I'd like to pay off my debt or settle with the agreement that it will be removed from all 3 of my credits reports with a positive resolution. However I can not do that because I have nothing in writing.
06/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 463XX	Web
Reveiwed my credit report and identified a collections from a debt collector for a medical debt which I did not recognize. Investigated my medical claims based on date of service information noted and found that this collection is not mine. Debt collector has reporting derogatory information since XXXX 2018 on an accout that is not mine.
07/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32819	Web
Since XX/XX/2020, Helvey & Associates, Inc at XXXX XXXX XXXX XXXX XXXX, IN XXXX has been sending me collection notices in the amount of {$280.00}. 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.
07/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NJ 08638	Web
I have a collection account that popped in my credit report in the Covid 19 areas collection companies should seize operations during this period. I called then to get a verification of debt but havent received it yet and never was sent a collection letter to collect this debt. I want this removed immediately from the credit bureau.
12/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89178	Web
This company called Helvey and associates has put a collection on all e of my credit bureaus. I have never had this debt. This is a fraudulent account that I did not sign for nor had any knowledge of this a count. It's saying account was opened XX/XX/2022. I didn't even live in the same city or state where this account is.
12/26/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28216	Web
Helvey and Associates IN is reporting a debt owed in the amount of {$350.00}. The debt is a result of fraudulent charges that continues to be resold and passed around. The debtor in which they say I owe, I currently have an account with them and is in good standing. The account that they have does not belong to me.
10/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN XXXXX	Web
On XX/XX/19, My attorney mailed a debt validation letter to Helvey and Associates ( Please see attached letter ). Helvey did not respond. Additionally, they reported a fraudulent account to my credit file and did not list it as disputed. Helvey and Associates is violating the Fair Debt Reporting Act and the FCRA.
05/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27405	Web
In XXXX a utility bill was reported for non payment. The amount of XXXX was satisfied in XXXX of XXXX. I contacted the collection company that was reporting it to ask that it be removed from my credit since it has been paid and they stated no. Im seeking help to have this removed from all three credit reports
02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46219	Web
Paid off Hervey and Associates in XXXX for past due medical bill. Called several times this XXXX to ask when they will update to credit reports. I keep getting different answers each call. One said they reported the account paid in full but when you call XXXX or XXXX XXXX, they do not have that info update.
02/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30238	Web
I sent a letter to Helvey asking for any documents that have with my legal signature stated that this is my debt and the about I owe them. They sent me back a typed up letter they made stated that I owe them monies I have no knowledge of owing. I did not sign or agree to any services with this company.
06/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84088	Web
Helvey & Associates are reporting a debt on my credit file that I do not owe. I recently looked at my credit and noticed this debt reporting. This debt is past the statute of limitations in Michigan and past the credit reporting limit. This is a violation under the FCRA and it must be removed.
05/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33317	Web
This is an electric bill that has been paid to the electricity company XXXX XXXX XXXX. I should not be on collection of any kind. I ask the collection company Helvey & Associates to contact XXXX XXXX to confirm this account its been paid. Remove this collection ASAP from all credit bureaus.
03/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28212	Web
SOMEONE FRUD THIS ACCOUNT IN MY NAME .. # HELVEY AND ASSOCITONS XXXX XXXX 15 USC ..PRIVACY 1681 602 STATE THAT HAVE THE RIGHT TO PRIVACY ... ... 15 USC 1681 604 IT ALSO STATE A CONSUMEER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN STRUCTION ..... THIS ACCOUNT IS FRUD
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27253	Web	Servicemember
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
11/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 273XX	Web
This debt was paid in 2015 with the promise to delete. It was originally with XXXX XXXX and it has been sold. I dont think the new debtor was aware that this account has been paid. Also I have disputed this information before but I never received a response back from the credit bureau.
09/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00987	Web
I have on my credit file report the following account on debt collection- HELVEY AND ASSOCIATES- Collection Agency- Original creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Original Creditor- XXXX XXXX I have never requested service with those company. This is a fraud.
01/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32724	Web
I have no record of this company. I have reported them to XXXX. Now there on my XXXX report. It is negatively impacting my credibility with a place for my family after be impacted with two hurricanes. I called the 1800 number theres a automated system try to sell healthcare products
08/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 45224	Web
XXXX XXXX the original creditor mailed the bill to the wrong address. And I should not have had to pay it through collections, This is hurting my score when I paid it once I found out. I am asking the CFPB to remove the debt on the grounds of never ever receiving the original bill.
01/09/2022	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 33712	Web
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
12/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 480XX	Web
helvey and Associates {$320.00} is showing on my credit report as a debt i owe from XXXX XXXX but it don't match where i live. the XXXX XXXX where I've been living since a kid is in my mothers name. This account do not belong to me please remove, i need your help Thanks.
01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33702	Web
This company reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
10/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IN 46052	Web
This debt was paid in full with the original company, XXXX XXXX, on XX/XX/XXXX. I have attached proof from XXXX XXXX that the account now has a zero balance, and that the amount Helvey & Associates is claiming I owe on my credit ( {$410.00} ) was paid on XX/XX/XXXX.
12/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WV 26062	Web
XXXX report response indicated it is not collection company but is listed on credit report as : Helvey and Associates ( for XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IN XXXX Call number XXXX If this is not a collection can this please be removed from credit file.
12/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 473XX	Web
XX/XX/2019 helvey collection agency reported to XXXX credit reporting that I owed XXXX XXXX {$250.00}. i have never lived at that address. XXXX has already determined that I never lived at that address and removed the collection from my credit report
09/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33928	Web
Unpaid XXXX XXXX collection of {$270.00} from 2020 and I never received notice of the debt prior to applying it to my credit which is a violation of the FCRA. The account should not have gone to collections as I provided notice to vacate the home.
08/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32803	Web
I do not know who Helvey & Associates are nor have I ever done business with them or been lent any my by this agency for me to owe such debt. AS A CONSUMER, I do not agree with this debt on my report as I never signed anything with such agency.
09/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 278XX	Web
This company is reporting that I owe a utility bill and I wasnt even living there ... I had moved out XX/XX/XXXX and contacted XXXX that I was moving out ... this item shouldnt be reporting to my credit report ... this item should be remove
01/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 335XX	Web	Servicemember
The debt collector failed to provide information to verify debt when asked for validation of the debt. The original letter received from the debt collector did not inform me of my right to request validation of the debt within 30 days.
10/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48035	Web
This account is negatively reporting a debt collection to all 3 credit bureaus after its been proven that the account did not belong to me. This company inaccurate information is negatively affecting my credit reports.
02/05/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32216	Web	Servicemember
This. company Helvey & Assc appears on my credit report for {$55.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
07/15/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28376	Web
This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter
06/21/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN XXXXX	Web
COLLECTOR FAILED TO VALIDATE, CEASE COMMUNICATIONS AND IGNORED CEASE AND DESIST ORDERS AND WENT ON MY CREDIT REPORTS ANYWAY. HELVEY HAS VIOLATED THE DOOD-FRANK ACT AND NOW WILL BE SUED IN CLASS ACTION EFFORTS.
01/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 386XX	Web	Servicemember
I actually paid this company {$510.00} in XX/XX/2014 just to stop harassing me and to remove this wrong and bad information from my credit reports. They said they would nearly 7 years ago but it's still here!
11/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32765	Web	Older American
I pulled my credit report last month ( XXXX ) and the following company was listed : Helvey & Associates This company did not contacted me or send me a letter about a debt I owed so that I could dispute it.
01/07/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 278XX	Web
XXXX XXXX has reported that the account was not paid ... the time they are charging me I have already moved out of the rental house and they are charging me as if I was living on XXXX XXXX XXXX nc XXXX
06/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46060	Web	Servicemember
Please see the attached military police report. I need the fraudulent account removed from my credit reports. The fraudulent account for XXXX XXXX Indiana is still be reported by Helvey and Associates.
08/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28104	Web
i get collect from this company, my payment never was late, i already pay 5 years ago and they continue show on my credit reports XXXX, can you please delete thanks company name HELVEY & ASSOCIATES IN
11/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32837	Web
I was wrongly accused of owing debt that was not mine. The debt was meant to pay off an Electric bill for a house I never resident in. I never even made an account for the Electric company before.
04/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33764	Web
This was due to the Covid-19 pandemic and loss of income, increased health risks, and complications. This account meets the FCRA requirements. I greatly appreciate your cooperation in this matter.
02/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48340	Web
This company illegally bought an account that was attached to my name during a time of identity theft. The also illegally furnished my credit report with false information without my consent.
06/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 44460	Web
I paid XXXX XXXX XXXX directly and by law, they must recall the account from Helvey & Associates. Therefore, Helvey has no legal reason to be reporting on my credit reports and must delete.
04/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45324	Web
Debt was fraudulent was reported XXXX XXXX in the amount of {$310.00} I have no knowledge of this account. Helvey and associates is the name behind the account. This is IDENTITY THEFT.
06/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27804	Web
I have sent written notification asking that this debt be validated not verified. I have not received a contract with my signature stating that I am responsible for this debt.
05/18/2023	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	NC 28083	Web
I have attached a debt verification letter that needs to be responded to by the collections company associated with this debt, with specific details about this collection.
12/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 402XX	Web
this company asking for money for my utilities and i don't do business or heard of this company ever in XXXX XXXX in the Amount of {$140.00}. I don't owe them XXXX XXXX.
09/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 441XX	Web
I contacted the company and explained te debt was not mines. I was no longer living in that residence.someone stole my information and created accounts in my name.
09/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90277	Web
This debt is not mine please send proof of me signing for this alleged debt, This debt is hindering me from getting employment and housing during this pandemic
08/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 28262	Web
this account is a fraudulent account and was from identity theft but it is reporting on my credit and this company has this frauudlent account on their records
11/17/2021	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 Investigation took more than 30 days	FL 33625	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.
12/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34243	Web
HELVEY & ASSOCIATES IN XXXX XXXX XXXX XX/XX/2018 {$540.00} I HAVE NO KNOWLEDGE OF THIS DEBT / IT IS NOT MINE. I DISPUTE THE VALIDITY OF THIS DEBT COLLECTION.
04/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WY XXXXX	Web
PLEASE STOP, THIS IS NOT MINE THIS IS A CASE OF MISTAKEN IDENTITY. I HAVE I FILED A COMPLAINT WITH THE CFPB AND THE FTC. STOP TRYING TO IMPUGN MY CHARTER.
08/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48911	Web
helvey and associates is reporting a derogatory account with a XXXX balance. I dispute this regardless as it said i had 10 accounts with XXXX XXXX
02/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN XXXXX	Web
COLLECTOR FAILED TO VALIDATE AND CEASE AND DESIST COLLECTIONS AND CALLS. THE DEBT WAS MEDICAL IN NATURE AND WAS PAID LATE BY STATE INSURANCE.
08/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29020	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
08/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32808	Web
A random company sent me a letter on attorney letter head in an attempt to collect a debt that i do not owe this is identity theft.
03/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30044	Web
I paid this debt about 4 years back and its still reporting negative on my credit. The company advised me that it would be removed.
06/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SC 29316	Web	Servicemember
Fraud and identity theft Debt is already paid and discharged I didnt give permission to be furnished on my credit report
01/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76021	Web
I WROTE A DISPUTE SAYING THE ACCOUNT WAS UNVERIFIED HELVEY AND ASSOCIATES XXXX AND XXXX XXXX XXXX
12/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45212	Web
This is reporting on my credit report as a collection and has caused my credit score to drop.
03/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33897	Web
This account is incorrectly showing up on credit report as it has already paid.
08/06/2023	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	TX 77511	Web
I was put on hold and never talked to anyone. several times
11/13/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	IN 467XX	Web
Repeatedly calling me even on weekends
02/03/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28451	Web

02/01/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29944	Phone

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33881	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28602	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28277	Web

01/14/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27614	Web

01/12/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 44512	Web

01/10/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34653	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19143	Web

12/18/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44064	Web

12/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27215	Web

12/13/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	NC 28451	Web

12/05/2023	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	GA 30022	Web

12/02/2023	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	NC 27707	Web

11/27/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	NY 14850	Web

11/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33056	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07924	Web

11/12/2023	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	OH 44275	Web

11/11/2023	Yes	Debt collection Other debt	Electronic communications You told them to stop contacting you, but they keep trying	NC 27606	Web

10/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33031	Web

10/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27502	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45215	Web

10/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44119	Web

10/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07731	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	NC 28311	Web

09/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27591	Web

09/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21230	Web

09/05/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive notice of right to dispute	GA 30331	Web

08/29/2023	Yes	Debt or credit management Debt settlement	Confusing or missing disclosures	SC 29607	Web	Servicemember

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28269	Web

08/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28210	Web

08/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11236	Web

08/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32839	Web

08/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08701	Phone

07/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28212	Web

07/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44121	Web

07/21/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29488	Web

07/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28262	Web

07/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28210	Web

06/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27127	Web

06/22/2023	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 33544	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34638	Web

06/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 27532	Web

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43613	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	NC 27560	Web

05/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22973	Web

05/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33712	Web

05/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44112	Phone

05/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27587	Web

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	NJ 07882	Phone

05/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30236	Web

04/21/2023	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	NC 28025	Web

04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30533	Web

04/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23503	Web	Servicemember

04/11/2023	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	FL 32836	Web

03/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29501	Web

03/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33837	Web

03/20/2023	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	NC 28083	Web

03/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46208	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32803	Web

03/10/2023	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	NY 10580	Web

02/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32714	Web

02/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 41076	Web

02/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28401	Web

02/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NJ 07050	Web

02/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27571	Web

02/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19124	Web

02/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MN 55021	Web	Older American

01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14615	Web

01/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37363	Web	Servicemember

01/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28262	Web

01/12/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 14615	Web

12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32819	Web	Servicemember

12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28501	Web

12/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28398	Web

11/28/2022	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 Their investigation did not fix an error on your report	FL 33511	Web

11/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28551	Web

11/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27127	Web

11/08/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 32771	Web

10/31/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34747	Web	Older American

10/31/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OH 45205	Web

07/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34690	Web

07/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 45219	Web

07/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28112	Postal mail

06/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48323	Web

06/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46516	Web

05/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34744	Web	Older American

05/17/2022	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 45217	Web

05/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23666	Web

04/26/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	SC 29706	Web

03/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85118	Web

02/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29720	Web

02/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78626	Web	Servicemember

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	NC 273XX	Web

02/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46516	Web

01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 64030	Web

01/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34683	Web

01/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 45239	Phone

01/03/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OH 45206	Web

12/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45011	Web

12/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34744	Web

11/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75052	Web

11/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27217	Web

11/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34741	Phone

10/27/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 45238	Web

10/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NC 28411	Web

09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	FL 32703	Web

09/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32811	Web

09/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 44512	Web

09/07/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NC 27407	Web

09/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29673	Web

08/31/2021	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	NC 28451	Web

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 Their investigation did not fix an error on your report	NC 28540	Web

08/18/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33316	Phone

08/06/2021	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 Investigation took more than 30 days	NC 28306	Web

07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 49201	Web

07/24/2021	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	NC 28791	Web

07/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37803	Web

07/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45248	Phone

07/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27707	Web

07/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33626	Web

07/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34746	Web

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	IL 60827	Web

06/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27405	Postal mail

06/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29715	Web	Servicemember

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

06/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28540	Web

06/21/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 34690	Phone

06/18/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33898	Web

06/17/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78758	Web	Servicemember

06/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77047	Web

04/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute		Phone	Servicemember

04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48505	Web

04/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27360	Web

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27615	Web

03/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75067	Web

03/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32825	Web

03/17/2021	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	OH 45273	Web

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 47630	Web	Servicemember

03/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33731	Web

02/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48359	Web

02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33033	Web

02/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27526	Web

02/06/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 27949	Web

02/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29154	Web

01/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32566	Web

01/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02721	Web

01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45140	Web

01/01/2021	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 Investigation took more than 30 days	NC 27704	Web

12/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

10/31/2020	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	OH 45215	Web

10/31/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28208	Postal mail

10/30/2020	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 Investigation took more than 30 days	OH 45014	Web

10/15/2020	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 32822	Web

10/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92342	Web

10/05/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	NC 28445	Web

09/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95827	Web	Servicemember

09/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 49456	Web

08/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28209	Phone	Older American, Servicemember

08/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48205	Web

07/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32822	Web

07/08/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28213	Referral

06/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29732	Postal mail

06/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77004	Web

06/15/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27703	Web

06/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48127	Postal mail

06/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33873	Web

05/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30253	Postal mail

05/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46835	Fax

04/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 45459	Web

03/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32327	Web

03/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44705	Postal mail

03/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28025	Web

02/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32819	Web

02/24/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt		Phone

02/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	HI 96817	Web

02/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85083	Web

01/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29532	Referral

12/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WV 26062	Web

12/02/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 45223	Phone

11/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70508	Web

11/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29316	Postal mail

11/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29574	Web

10/23/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32746	Postal mail

10/17/2019	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	SC 29574	Web

09/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Postal mail

08/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29576	Web

08/19/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KY 41076	Web

08/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27520	Web	Servicemember

07/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34207	Web

07/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75025	Web

07/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 22202	Web

07/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	VA 24323	Web

07/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45405	Web

06/12/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34689	Web

05/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33615	Web

05/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46614	Web

05/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28546	Phone	Servicemember

04/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45405	Web

04/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48205	Web

01/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29209	Web	Servicemember

01/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76548	Web	Servicemember

10/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28210	Web

08/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49006	Web

08/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32226	Web

06/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08314	Web

06/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46060	Web	Servicemember

06/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 08314	Web

06/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08314	Web

05/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27607	Web

04/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27607	Web

04/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48093	Web

03/31/2018	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	MI 48219	Web

03/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48219	Web

03/21/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IN 46528	Web

02/24/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 49008	Web

02/17/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33445	Web

02/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 41011	Web

01/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45424	Web

01/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46526	Web

01/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	MI 48213	Web

01/07/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60617	Web

12/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33139	Web

10/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32836	Web

08/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27514	Web

07/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 90250	Web

07/10/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90250	Web

04/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 46235	Web

03/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 28075	Web

03/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48390	Postal mail

03/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 44133	Web

03/14/2017	Yes	Credit reporting	Incorrect information on credit report Account status	MI 48038	Web

02/17/2017	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	NC 28208	Web

02/05/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 49506	Web

01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	OH 45342	Web	Older American

12/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95355	Phone	Servicemember

11/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37366	Web

10/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	SC 29707	Phone	Older American

07/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48154	Web

05/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IN 46835	Web

05/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33802	Phone

01/01/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48044	Web

12/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91320	Web

12/24/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33056	Phone

08/28/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OH 43054	Web

08/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NC 28704	Web

08/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 47403	Web	Older American

06/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 95112	Web

03/17/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 32626	Phone	Older American

03/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30062	Web

09/15/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37110	Web

08/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	NC 27560	Web

08/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 47960	Web

07/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IN 46774	Web

04/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77304	Web

03/29/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IN 47960	Web	Older American

02/12/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	IN 46733	Web

01/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 78261	Web	Servicemember