Ideal Collection Services, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 191XX	Web
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days. I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me. Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice. The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files. 1. IDEAL COLLECTION SERVICE bal. {$2900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
11/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 40503	Web
*the dates mentioned below are recalled to the best of my knowledge. This debt arose from a rental lease on a townhome in XXXX XXXX condominiums, the property was managed by XXXX XXXX in XXXX, FL. I was on a previous lease for the same address from XXXX XXXX to XXXX XXXX : this lease included myself ; my husband ; and our roommate. During this lease all rental payments were made as required per the agreement. After the XXXX lease ended, my husband and I moved out and a vacate agreement was completed. The remaining tenant chose to stay in the townhome and signed a lease by himself as the tenant for XXXX XXXX XXXX. In XXXX of XXXX, this tenant spoke to XXXX XXXX and advised them he would be breaking the lease and vacating the townhome. XXXX XXXX lead him to believe as long as another tenant moved in he would not owe further payments, unfortunately this was not in writing. The tenant then vacated and relocated to another home. In XXXX of XXXX, XXXX XXXX sent this tenant a letter regarding the remaining rental payments that he is responsible for per the lease agreement, totaling {$6100.00}. This letter incorrectly has myself and my husband listed in addition to the tenant. XXXX XXXX never reached out to my husband or me ( or we could have cleared this up back then by showing we were not on the lease in question ). The letter also does not indicate the dates of the delinquencies, but per my credit report this did not post until XXXX XXXX. I was never contacted regarding the debt, nor was my husband. We only found out from the remaining tenant that our names were listed on the letter but we never saw it on our credit report. A few years ago Ideal Collections informed the remaining tenant on a phone call that I was also responsible for the debt and that their collection was on my credit report. After receiving this false information I tried to reach out to Ideal Collections and the company never responded. Since we never saw the account on our report through XXXX XXXX we had nothing to dispute except what the collection agency, incorrectly and without our permission, shared with the other tenant. My husband and I are currently going through the process to obtain a mortgage. The first time my credit report was pulled this account from Ideal Collections did not appear. When they re-pulled credit, the Ideal Collections account then appeared showing past due for {$6100.00}. My mortgage company asked for clarification of this debt including dates delinquent etc. I took action and called Ideal Collections and asked for verification of the debt. I was sent only XXXX pages of the prior lease with all three of our names on it and the notice that XXXX received in XXXX of XXXX. I then contacted XXXX realty and they advised the records were in storage. I then sent XXXX XXXX the records I have showing both leases and the vacate agreement but have not heard back. I have since notified Ideal Collections that the lease they have on file is for the incorrect dates and asked them to validate the delinquency dates and also to acknowledge that neither my husband nor I are financially responsible for the debt. A representative advised that she would reach out to XXXX XXXX and request the delinquent dates. I have also contacted XXXX in an attempt to dispute the debt which shows oddly on my credit report but not my husband 's. This problem appears to stem from XXXX XXXX not providing Ideal Collections with the delinquent dates and correct lease agreement, instead they sent an incorrect lease which was paid in full and had nothing to do with the payments they were owed. I am attempting to resolve this dispute and also report both XXXX XXXX and Ideal Collections for not verifying the debt before pursuing collection actions and posting the false account on my credit report.
12/27/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32746	Web
Be advised that I hereby dispute the validity of the alleged debt listed above entirely. Ideal collection, XXXX XXXX XXXX XXXX XXXX XXXX, illegally collected the above-listed alleged debt and took payment on a debt that I do not owe, EXTORTION and theft by deception. Defamation of character and Slander of my name. Fraud and GROSS MISREPRESENTATION. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. I have an absolute right to rescind a signature from any contract or agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. Reporting Late payment and Utilization is illegal! Ideal collection, XXXX XXXX XXXX XXXX XXXX XXXX have 10 calendar days to update my late fees and reporting balance or balance utilization to 5 % or below and or delete all reporting balance Utilization and late fees from the below account/s or I demand account DELETED Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting per GAAP . 2. Verification of your claim against me. A signed invoice or sworn affidavit. 3. A copy of the contract binding both parties, XXXX XXXX Ideal collectionXXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 1. I need full Disclosure. I was not told that I was actually creating the credit. 2. Equal Consideration brought nothing of value to the table and had nothing XXXX XXXX Ideal Collection, XXXX XXXXXXXX XXXX XXXX XXXX 3. Law terms and conditions were based on fraud! 4. The wet ink signature of both parties. XXXX XXXX Ideal Collection, XXXX XXXX. XXXX XXXX actual damages, Defamation of character, consumer rights violations, multiple violations of Federal Debt Collection Practices Act ( FDC PA ), Fair Credit Reporting Act ( FCRA ), fraud, aggravated identity theft, Identity theft, extortion, theft by deception, Securities and Exchange Commission ( SEC ), Generally Accepted Accounting Principles ( GAAP ) fraud, Conspiracy and Racketeering of {>= $1,000,000}. Within XXXX calendar days after receipt of a notice, shall return a, XXXXXXXX XXXX, Ideal Collection, XXXX XXXX XXXX XXXX any money that has been given to anyone in connection with this transaction and shall take any action necessary to reflect the termination of the security interest. XXXX XXXX will further pursue all of my legal remedies without further notice. This letter serves as evidence that XXXX XXXX has attempted to resolve this matter formally before filing a court case. I will demand discovery and trial by jury. Failure to properly respond will be followed up with our FTCXXXX XXXX and Attorney General complaint, fee schedule and lawsuit. Fraud vitiates the most solemn contracts, documents and even judgments [ U.S. vs. XXXX, 98 us 61, at pg.65 ]. It would be unjust to allow one who made false representations to retain the fruits of a bargain induced by such representations. XXXX XXXX XXXX, 43 Wis 2d 166.
01/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web
I started getting calls from a company called, 'ideal collections ' ( in XX/XX/XXXX ) out of XXXX , Florida . They call at all hours of the night. Sometimes even at XXXX XXXX. They claim to represent our former residence, 'XXXX XXXX. ' We currently have a new lease with a new condo ( for the last 8 months ). We moved here due to the outstanding rental history and recommendation from XXXX XXXX. Now, a new company has bought XXXX XXXX and is demanding more than {$6000.00}. To this day, I still have no idea as to what it is for. I have asked ideal collections and XXXX for any type of documentation. They have both refused. Ideal collections fraudulently submitted information to several credit agencies. Thankfully, all of them have recognized this as fraud and have removed it from my almost perfect credit report. XXXX has refused to remove it. I'm not sure why. I have a credit score well over 700 with everyone else, except for XXXX. I've been on the phone with XXXX numerous times asking them to please remove it. They have since stated that they will re-investigate this obvious fraud. Ideal collections refuses to identify themselves ; location, company identification number, or any type of documentation. This situation has also happened to several other tenants that have left XXXX XXXX. It's the same company ( ideal collections ), and the same amount. I have also been in contact with my lawyer, the state attoreney 's office, the XXXX, and of course, the CFPB. Please help me to have this removed from my XXXX credit report. This has gone past the point of harassment. We are also considering taking this issue to law enforcement. For the record, I actually went to XXXX XXXX in person asking for documentation and as to what this was all about. I was told to leave the property or that they would call the police. Again, I have no idea as to what this is all about. We honored our lease, gave 4 months notice and have lived quietly for the last 8 months at our new place that requires perfect rental history as well as a positive recommendation from our former residence. The same individual from ideal collections has made it clear that he is upset that all other credit agencies have recognized their fraud. He claims that he is going to continue to submit it to XXXX once a week until I wire him ( the amount has since changed ) {$7000.00}. He has recently resubmitted fraudulent information as of XX/XX/XXXX. Again, I would like this removed from my report ( XXXX ). All of the other credit agencies have been more than willing to help when it comes to these scammers. I have also asked them to stop calling me, yet they continue to do so. I've been told by the CFPB that there are currently more than 1,1000 complaints against ideal collections. This does not surprise me. In closing, I find it odd that my wife has not been impacted by this ; she hasn't received any threats, calls, nor has her credit report been effected even though she was also on the lease as an equal renter at XXXX XXXX.
07/19/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33860	Web
Ideal Collection Services , Inc. located in XXXX, FL Registering Agent : XXXX XXXX, XXXX XXXX, Account Manager, XXXX XXXX, and Attorney XXXX XXXX XXXX, XXXX are breaking many serious Federal & State laws by trying to collect on an Account that is past, The Statue of Limitation time in The State of Florida, they also have failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires, Ideal Collections to Send me a Copy of the Original Wet-Inked Contract that I signed, and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, Ideal Collections is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my Credit Report, and copies of copies are not Validation and are not considered proof for this account Ideal Collections has on my Credit. Ideal Collections continues to only send me a copy of a copy of another company that was not theirs, in which is not acceptable at all, according to the Fair Credit Reporting Laws. With this being done there was never any way for me to have any mistakes or erroneous reporting corrected from the other company, and I requested and am now still requesting the Original instrument indebtedness of it 's original form, which is not a copy, but the original written agreement with my Wet-Ink Signature on it. Once this is provided, I am willing to accept a statement for the amount owing as of X/X/13 together with Ideal Collection Services , Inc. 's Assurance that they will Accept Payment in direct and in immediate exchange for the Original Instrument of indebtedness in it 's original form only. In addition, we also have another issue that was not addressed at all by Ideal Collections, which is this account is now violating Florida State Collection Laws ; because it is way past The Statue of Limitation. If Ideal Collections does n't remove this account immediately or provide me with the Original Instrument, then it will leave me no choice but to report them publicly to The State Attorney General 's Office, Federal Trade Commission, Better Business Bureau, and pursue taking Civil & Criminal legal action against them for breaking Federal and State Laws, as well as turning this into a possible Class Action Lawsuit for others to join in ; because I know there are other consumers who are being abused and are suffering by their fraudulent collection practices. I am asking for Ideal Collection Services , Inc. to provide that Original Contract/Instrument of indebtedness, and not a copy, to Me and show proof to The Consumer Financial Protection Bureau of being in compliance with Federal & State Laws to avoid Civil & Criminal Liability.
12/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33130	Web
Between XXXX of XXXX and the end of XXXX I lived at XXXX XXXX XXXX XXXX XXXX on a lease with their community leasing center where I handed off the apartment in the same ( good ) condition I received it since the leasing center offered me to continue someone else 's lease who was leaving the country and indicated I did not need to provide a security deposit since the leaser before me had already given XXXX. During this two and a half years rent was paid on time every single month. At the time of leaving ( ending the lease ) I handed them the apartment in the same good conditions which was received by the leasing administration without a problem with both parties consensus. I never received phone or written communication from them or any representative to indicate something was pending, not even when I left the apartment and they indicated everything was fine and that they were comfortable with the condition of the apartment. Nothing pending was claimed at the time of giving the administration the keys of the apartment. A few days ago I noticed in my credit report that I owe {$1000.00} XXXX to IDEAL COLLECTION SERVICE and that there was a debt originally from XXXX XXXX AT XXXX so I communicated with them right away to understand what was going on and asked for details about it. After several tries ( calls and emails ) they replied to me indicating I had to deal directly with the collections office. Ideal Collection Services sent me a vague description of what was claimed to be the charges without any proper documentation supporting these false claims. None of these charges were mentioned when the end lease agreement was signed and it is strange how after the apartment was received in good conditions after 6 years I hear about these charges for the first time. Given the irregular situation, I request through you, suspend this irregularity on my credit report which affects me and to properly request documentation supporting this claim to the collections office where the debt is currently held with the " check out '' agreement that was signed when the administration received the apartment keys indication clearly that there is a payment or repair pending on my side. Additionally a copy of the attempts to reach me to communicate said pending charges since I have not receive any communication from XXXX or the collection office at all at this moment and were denied to me when asked for it to XXXX and later to the collection office where they provided a vague letter without any details or backup of said pending charges.
12/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33617	Web
On XX/XX/XXXX, I checked my credit report and noticed a collection account had been posted for an apartment that I previously lived in. Prior to the account being sent to collections I spoke with the leasing company to dispute the debt as I was misinformed by one of their agents. In XX/XX/XXXX, I expressed to the leasing agent that I could not continuously walk up to the XX/XX/XXXX due to health concerns. At the time aXX/XX/XXXX unit was available, the agent advised she would submit the internal request for me. In XXXX, I went to the office again for which the unit was still available but had been offered to another tenant. I expressed the need for a XX/XX/XXXX unit or I would have to relocate. The agent assured me that if I signed the lease, the company would rescind it if a XX/XX/XXXX unit did not come available before XXXX. I had to sign the lease to keep the renewal rate or my monthly rent would be month to month which I could not afford. I moved in XX/XX/XXXX because I found a unit with no stairs. I contacted Ideal Collections Services on XX/XX/XXXX to validate the account with negative results. I requested a validation letter that was emailed to me on XX/XX/XXXX after my request but I had not received a letter from Ideal Collections Services prior to this date. To the best of my knowledge the account was still being disputed with the leasing company as I had received their letters and follow-up phone calls regarding the misinformation. On XX/XX/XXXX at XXXX XXXX, Ideal Collections Services offered a payment plan with first payment due on XX/XX/XXXX. I was still attempting to negotiate a settlement with the company and make arrangements that would not cause a snowball effect of my other obligations ; however, I did make the payment to Ideal Collections Services for {$180.00} through my banks bill pay service. I feel because I refused to provide my checking account information to the Ideal Collections Services via phone they refused to continue the payment plan. On XX/XX/XXXX Ideal Collections Services representative XXXX XXXX advised they would not be accepting the payment and it will be refunded. To date I have not received a refund or the returned check in the mail. The entire conversation is available in an email thread to prove their unwillingness and deceptive practices as they delayed responding to my requests via email or made it impractical for me to resolve the matter.
04/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33414	Web
XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/24/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32907	Web
XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL 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 IDEAL COLLECTION SER XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX, XXXX, FL XXXX
10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30135	Web	Servicemember
Ideal collection Service has committed serious violations under the Fair Debt Collection Act and the Fair Reporting Act as well as willful non-compliance of XXXX XXXX reporting. On XX/XX/2021 sent certified letter to Ideal Collections to validate the Debt that was they were reporting only to XXXX on my Credit report, from the beginning this account is not in compliance with XXXX XXXX reporting. Ideal Collections is the Data Furnisher and they are reporting inaccurate, erroneous and missing information. I received a copy of a lease along with a letter stating that they had noted my account as disputed. ( See copies of credit report at the time I requested validation, copy of letter requesting validation and copy of letter stating account will be marked as disputed. ) On XX/XX/2021 I sent another certified letter to Ideal Collections informing them I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. ( see copy of letter, copy of report showing account is not marked as disputed with XXXX. This account was added to XXXX and XXXX now all 3 bureaus is furnishing inaccurate, erroneous and missing information. My guess is it was added to XXXX and XXXX as some type of punishment. The important thing is there are willful and continuous violations being done by Ideal Collection Service. On XX/XX/2021 sent certified letter to Ideal Collections requesting Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. My request was ignored. ( See attached copy of certified letter sent, copy of Ideal Collections to the 3 bureaus for the month of XXXX reporting. Still a pattern of will non -compliance of XXXX XXXX and all 3 bureaus not marked as disputed. ( Print out of my recent updated credit report and the account is still not marked with the consumer dispute. ) I am a XXXX veteran and the actions of the company has caused me a great deal of harm when it is viewed by a creditors.
01/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 320XX	Web
XXXX XXXX in XXXXXXXX XXXX I rented from for a year and a half. I was working 45 min north in a XXXXXXXX XXXX XXXX XXXX XXXXt and wanted to move closer to my job. I gave 60 day written notice to terminate the current lease and paid rent in full. When I went to the office to sign the renew the lease 6 months prior I was told by an office employee that if ever wanting to break the lease I'd have to initial in one place on the lease that said something about property damages which I was confused about but was thinking I knew I would leave it undamaged so initialed anyway. Upon black mold exposure and a massive water leak from the apartment above me and post recovery from covid, I decided since the property manager was aware of these issues but refused to help move me into another apartment on the property that I would go ahead and move out. A year after being in my new apartment I check my lifelock and randomly a collection from ideal collection services in XXXX, XXXX XXXX up on my account. I immediately call their office and try to dispute the charges unbeknownst to my knowledge, no notification via email/mail of an attempt to collect a debt, a copy of my lease and sent all my money order receipts to the collection company of which I paid my rent in gainesville with XXXX The response I got was a lease with inaccurate dates and rental amounts. I called the water company a separate company to see if there was any way I had a unknown bill, entered my account number and was told I had a XXXX dollar balance, which by the way I'm told that it was my responsibility to pay a water bill when I no longer lived at the residence which was part of the XXXX dollars that I was reported for. They will not accept payments or a settlement, I'm afraid that my credit and ability to rent or own will be affected for a long period of time if I do pay it and they refuse to delete it off my credit report. I'm a XXXX XXXX, deal with life and death and feel as if it's only fair to be treated like a human being with good intent who would like to have the freedom to one day own a home if desired. This is really holding me back as I've been aggressive about paying off debt.
05/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33569	Web
Landlord, XXXX XXXX did not give any notice before sending an alleged damage claim to XXXX XXXX XXXX XXXX XXXX states according to Lease agreement without a forwarding address landlord did not need to contact to advise of alleged debt prior to placing on all three reporting agencies. The lease requires a forwarding address for a security deposit but not for the risk fee charged. Landlord never took a security deposit although they charged a risk fee in connection to a security deposit. Then used the laws governing security deposits to attack our credit without warning although no security deposit had been charged or paid. The risk fee was charged and paid not a security deposit and there is no move out protocol given for a risk fee. And as such, we were not required to give a forwarding address in accordance with the lease agreement signed. Landlord had mobile phone numbers and email addresses, yet made no effects to resolve this issues before attacking our credit. In addition, items listed for cleaning charges are not listed in the lease agreement. Landlord waited eights months after move out to attack our credit without warning. I've disputed this debt with the collections company. They are aware the legal forwarding address requirement is for security deposit not risk fees and no notice was given prior to placing damaging items on credit report and they have chosen to move forward with an alleged damage debt. This alleged damage debt was place on our credit at the exact time that I was submitting applications for apartments. One such complex waited three days called with a denial based on the above and has yet to put the denial and or conditional approval in writing as required by the consumer fair credit protection law. The landlord intentionally sought to damage our credit, and I am now being locked out of housing and forced to pay debt regardless of dispute because such damaging items deny one the ability to seek future rentals. The landlord used the credit reporting system as first resort while never giving us the opportunity to dispute items with them and or make payments if necessary to avoid negative credit effects.
12/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33436	Web
IDEAL COLLECTION SER ACCOUNT NUMBERs : XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you IDEAL COLLECTION SER or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : IDEAL COLLECTION SER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
11/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33436	Web
IDEAL COLLECTION SER ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you IDEAL COLLECTION SER or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : IDEAL COLLECTION SER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
10/09/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 333XX	Web
On XXXX XXXX, 2017. I called Ideal Collection Services in XXXX, XXXX after I had received a letter from them. They were collecting for an outstanding repair fee for an apartment I used to rent over a year ago. They were apparently going after me for some fees that remained even though I paid and signed off on everything. They hired this third party I guess to try and collect. Never ever have I ever experienced such an incredibly rude and demeaning company as this. I went along with all they wanted in order to resolve it, I asked for 1 more day to do it! They told me they could n't do it and told me when I call back I would need to pay the full amount. That if this were not done the account would be reported to the credit bureaus would and hung up. I called again and asked to speak with someone else and they told me I could n't I explained that I wanted to pay it but wanted to speak with someone else, again they told me to call back when I was ready to pay and hung up again. I again called and wanted to speak to someone different and again was told I could not. I could n't believe this was an allowable practice. I was willing to pay and resolve the issue yet it almost seemed like they did n't want me to! All I can think was how incredibly evil this person was. Not sure how she sleeps at night. And shame on this company for having people like this on their staff. I do not want this to reflect on my credit and I am willing to pay it. I was so cooperative and soft spoken and they completely belittled me and did not want to help me at all. They now do not even pick up when I call. I just want to deal with another person as I refuse to be treated that way. At one point I told her I was going to report them and complain in which she responded, who are you going to complain to? '' in a totally condescending way. Like there was no one who I could complain to. I literally was sick after this incident.
04/24/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34691	Web	Older American
On XX/XX/, I received a letter from Ideal Collection Services ( Ideal ) alleging that I owed {$710.00} to XXXX XXXX Apartments ( XXXX XXXX ), which I had moved out of nearly a year prior. On XX/XX/XXXX I sent a letter to Ideal disputing their claim and advising them that XXXX XXXX had failed to comply with Florida Statute 83.49 ( 3 ) when they did not send notice to me of their intention to impose a claim for damages against my security deposit within thirty days of the end of my tenancy. Per Florida Statute 83.49 ( 3 ) ( a ), their failure to comply with said requirement precludes them from pursuing a claim for damages unless they first return the full security deposit to me. To date, neither Ideal nor XXXX XXXX has returned my security deposit to me, despite being informed of my new address upon the end of my tenancy and having set up mail forwarding with the United States Postal Service. On XX/XX/XXXX, I received a letter from XXXX XXXX, Manager for Ideal Collection Services. XXXX XXXX letter included documents and pictures, but at no point did she address her clients failure to comply with the Florida Statute. XXXX XXXX letter went on to state that if I did not begin making partial payments by XX/XX/XXXX, she would forward my account to the national credit bureaus. While I have engaged in good faith dealing with both XXXX XXXX and Ideal, I am not receiving the same treatment in return. XXXX XXXX XX/XX/XXXX letter appears to be a clear attempt at coercing me into paying a claim that they do not have the legal right to collect under threat of damage to my creditworthiness. My preferred solution is for Ideal and XXXX XXXX to drop their claim against me and allow an amicable end to our business relationship. However, if XXXX XXXX/Ideal wish to pursue their claim against me, I demand that they return my {$250.00} security deposit before doing so, as required by Florida Statute .
07/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 339XX	Web	Servicemember
AGAIN, IDEAL COLLECTION SERVICES IS REFUSING TO ABIDE BY WHAT I HAVE BEEN TELLING THEM! THEY RESPOND WITH GARBAGE AND ARE NOT CONDUCTING AN INVESTIGATION INTO THE CLAIM THEIR CLIENTS HAVE UNRIGHTFULLY CHARGED ME. I WILL CONTINUE TO COMPLAIN ABOUT THE DISGUST OF THIS COLLECTION AGENCY. I DON'T KNOW HOW THEY ARE SO QUICK TO RESPOND THE SAME DAY I SPOKE WITH THEM AND THEY ADVISE MY FILE IS NOT IN THEIR OFFICE ALL OF A SUDDEN AND TO ALLOW 30 DAYS. I have previously complained about Ideal Collection Services and their client XXXX XXXX. Fortunately, Ideal Collection Services have removed from other bureaus except XXXX. XXXX XXXX finally admitted to the XXXX ( see attachment ) on XX/XX/XXXX that the tenant XXXX XXXX XXXX XXXX XXXX vacated the premises on XX/XX/XXXX. Although they claim it was an eviction, it was an agreed upon move-out due to my notary public sign being a violation. I have the e-mail screenshot ( SEE ATTACHMENT ) of XXXX XXXX, the accountant for XXXX XXXX advising, " ... You have until this weekend [ XX/XX/XXXX, XX/XX/XXXX ] to vacate the premises. If you're not vacated, we will begin the EVICTION process on Monday XXXX XX/XX/XXXX ] ... '' Since I was moved out on XX/XX/XXXX PRIOR to the the weekend XX/XX/XXXX & XXXX, XXXX, there should not be ANY " EVICTION '' done and applied to my credit. I spoke to XXXX at Ideal Collection Services and he did inform me my file was in archives and should arrive by Thursday of last week XX/XX/XXXX. XXXX also advised that XXXX had not sent them any requests or communications since XX/XX/XXXX, which is really alarming to hear that XXXX was NOT doing their part in protecting the consumer and attending to my concerns. Furthermore, it is saying last balance updated on XX/XX/XXXX which is absolutely reporting incorrectly because this balance of {$5800.00} has been the same over these last 5 years.
08/29/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33025	Web
This is a follow up to cfpb complaint XXXX. Ideal Collection Services stated We have already provided the validation which is the name and address of the original creditor and the amount owed in my previous response. We did provide more information then that. We provided the the notice to impose claim, the move out statement, and the signed lease which was signed electronically. Attached, please find a copy the early termination addendum and the signed application. Despite my efforts to rectify this matter concerning account with Ideal Collection Services has to date, failed to prove that this account is mine. You have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately. I have documented my correspondence with you, and I have filed complaints with the appropriate authorities since you have not removed this item from my credit report. This will serve as your legal notice pursuant to the provisions of federal law, the Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above, including the frivolous reporting of this account to any credit reporting agency. If you fail to heed this notice and if I find that this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company as well as the original creditor for all applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA. You are also notified that should any adverse information continue to be placed on my credit reports as a result of this notice, appropriate actions will be taken. Please give this very important matter the attention it deserves.
10/30/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33162	Web
he reason I am filing this complaint is because of the wrongful and damage this agency is doing to my credit history. I have signed a year lease with XXXX XXXX on Saturday XX/XX/. I never moved to the premises due to the unsafe environment I've found : neighbours using drugs right next to my apartment and growing weed in the garden. I called the police that same day and filed a complaint. I've also went back to the management office and told XXXX the property manager that this environment was unsafe for me and that this violates the Florida Health/Safety codes and I was to return my keys and the apartment that I never took possession to under Florida Statues Landlord Tenant 83.60 Attached there's the email I wrote to the leasing office XXXX XXXX XXXX XX/XX/ after several unreturned calls and I was giving up my deposit and first month. I have also spoke personally with XXXX on XXXX XXXX but he was not helpful at all and basically said that once I've signed I had to pay in full for the full lease even if I was not to live there. First infringement on this contract that suppose to be a drug free environment. The XXXX XXXX management kept my deposit and first month ( attached money orders ) as Early termination signed ( attached addendum early termination fees ) but after 3 years of the incident and probably due to new management in charge they send this account to collections via Ideal Collection Services. I've been disputing this case with the credit bureaus but the agency continues to claim this is mine because they are seeking to charge for it but under the Fair Credit Reporting Act this item must be removed as explained the reasons and because the XXXX XXXX already took the fees for early termination and this case was closed.
08/25/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 322XX	Web
During the time I lived in the property my family began to wake up with bites on them first the children then I and my husband. I went to the office to notify them and there were other tenants there making the same complaints bed bugs I immediately asked that they exterminate. They informed me I would be billed for the extermination because the exterminator knew this was an ongoing issue he exterminated for free I informed the office manager I would like to move immediately I went into a month to month lease to ensure I properly moved out within 30 days. They were aware I was moving in 30 days this is why I did not sign a new yearly lease but went to a month to month lease in order to properly vacate the premises after 30days. I contacted them about my deposit I got into a dispute with the manager and she informed me she will be sending a bill and also acted as if she had no idea I was moving although she knew about the move out as well as the bed bud infestation the complex was battling she then killed us for things that I know weren't true we did not wear shoes in my home there is no way the carpet needing cleaning we threw all of our belongings away so to the infestation of bed bugs. I could not take a chance on having my 10 mos old baby be bitten by bed bugs. I was also living in the apartment for over a month with no keys I informed them in XXXX that my keys were lost and was never cut new keys and was expected to return them at the time I moved I was going to work with my door unlocked. The month to month addendum was our written notice to vacate we asked what was needed in order to do so and singned the new lease in order to vacate within 30days after contacting the office the debt that was owed increased please see attachments.
11/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33024	Web
In response to your response from previous report number : XXXX about IDEAL COLLECTION SERVICES, INC This is what you wrote : I am confused as at the beginning of your complaint, you acknowledge receiving our response dated XX/XX/XXXX and at the end of your complaint you state instead of us responding we waited 2 years to report the account to the credit bureaus. In my XX/XX/XXXX response I offered a payment plan to avoid the account from being forwarded to the national credit bureaus and sent the validation of the claim. Attached, please find a copy of my response along with the documents that were attached. Also, please find attached, a copy of the notice to vacate form you signed. In the last paragraph of that form and the last sentence states " I understand that management will complete a move out inspection checklist after my departure and any claim on my security deposit will be itemized. '' I our office has already validated the debt and the account is past due and due in full. I respond to you the following : I moved out in XX/XX/XXXX, two years later ( XXXX ) you report the account. The attachments you included verifying the debt, only the notice to vacate is signed by me. The other documents you sent verifying debt, showing all those extra fees they're charging, Is what I previously had asked you to send me the Invoices XXXX XXXX XXXX has for all repairs, because I repaired everything before moving out and hired a carpet cleaner company. This is why I ask for all that so I can take the case to court with my evidence of repairs. That's all you need to send me and I'll proceed from there at court.
11/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76137	Web
On XX/XX/XXXX I became aware of a company by the name of Ideal Collection Services, reporting a debt of {$94.00} on my credit report. I immediately reached out to the company via certified mail to get further details and clear up any errors. The company then responded by sending me a copy of XXXX page from my lease agreement, which still did not justify or prove the debt is owed. After receiving the response letter, I reached out to the company by phone. I informed them that they were in violation of reporting a debt that I did not owe and asked them to provide details on the debt. The representative had no explanation for what the debt was owed for, however kept assisting that I owed it. I requested to have the address that notification was sent to and the representative did not have my current address either. I advised them that I had moved from the property in question XX/XX/XXXX, and satisfied my lease in full. It made no sense that two years later a debt collection company would be reaching out to me regarding charges that can not be validated or explained. I also reached out to the Property via email and received no response. Ideal Collection is still currently reporting the debt even after being notified via certified mail, that I do not owe the debt. The company also has no explanation of what the {$94.00} debt is for and is still requesting a payment. This is violation of the FDCPA, and by reporting it is also a violation as well under the FCRA. I have attached a copy of my communications sent to the company via certified mail.
11/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33024	Web
On XX/XX/2017, this company sent me a letter collecting XXXX. On XX/XX/2017. I requested information about this debt. On XX/XX/2017 they sent me a copy of a lease for an apartment rental at a community by the name of " XXXX XXXX XXXX ''. The balance at move out was at {$340.00}. I had given a deposit of {$600.00}. This means that they were supposed to give me back the difference : {$600.00} - {$340.00} = XXXX. Instead, XXXX XXXX XXXXXXXX added the following fees : {$120.00} Kitchen counter top refinishing. I paid XXXX out of my ocket to do this before I moved out, so they didnt have to do this and don't have an invoice showing they did. They added {$170.00} Master tub refinishing. They don't have an invoice for this. The tub was sparkling clean before I moved. They added {$1200.00} for moving out a month before lease expired. I notified them 90 days prior to moving that I purchased a home. They also added {$390.00} for 34 months left of carpet use, when I also hired a company to clean the carpet two days before moving out. Adding up {$340.00} Balance at move out, why?, plus {$1900.00} additional charges = {$2300.00} minus my XXXX deposit they claim I owe {$1700.00}. So I sent a letter to Ideal Collection Services requesting an investigation of those charges and instead of responding to me, they waited exactly two years to report this account to my credit report. Damaging my impecable credit which was at XXXX credit score to XXXX thanks to their negligence.
11/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	CA 925XX	Web
I moved out of an apartment XXXX on XX/XX/XXXX. XX/XX/XXXX I received phone calls from Ideal Collection Agency for {$930.00}, that the leasing company was charging me for damages to the apartment. Prior to this I had not received a notice or call from the leasing company regarding the charges. They claimed that they sent a certified letter to the address on file. However, I never received the letter, and even have an email proving that I updated my new mailing address within 30 days after moving. According to Florida statute XXXX, the leasing company has 30 days to send me a certified notice of any charges or forfeits their rights to them. I never received this notice. I sent Ideal Collections a certified letter explaining that the company forfeited their right according to the Florida statute XXXX, and that according to the Fair Debt Collections Practice Act they must acquire proof of the damages as well as proof of the certified letter receipt. No such evidence was produced because I did not receive the letter to sign for it. Instead the Ideal Collections company sent me a copy of the bill from the leasing company with the end of the required notice missing from the page. I would not know how to respond based on their bill. The Ideal Collections company is trying to acquire funds that the leasing company is not entitled to. They did not submit the certified letter to me within the 30 days, and never notified me otherwise of this debt.
03/28/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33426	Web
I disputed this already and if I need to write a formal letter I will. Yes, I signed the lease but never stepped inside his apartment due to being hospitalized for XXXX months. XXXX the treatment center I was that wrote a letter and XXXX said I was not living there anymore. She also said she was not living on there anymore. It is XX/XX/XXXX and I 'm just finding out that she has been living there and got a XXXX did and I never properly was taken off the lease. I have tried talking to the apartment company but they have sold the debt to the collections agency and this needs to be removed. I will not stop hassling until it gets done because of the legally I signed a lease I was physically unable to move in and she was falsely representing me. I have tried to contact her and I have no idea where she is and she also caused any eviction which goes on my record as well. This is not right and I do not have the money to pay for something I was told she was not even living there anymore so I was not having to worry about the lease. I physically never lived here although I signed the lease. I was in the hospital and she lied and represented me and was pretending like I was living there with her. This debt is not mine this is her responsibility. This was back in XX/XX/XXXX and I am just now finding out about it because it was supposed to be removed from the lease since I was in the hospital and she said that she was not moving in.
07/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 339XX	Web	Servicemember
I have previously complained about Ideal Collection Services and their client XXXX XXXX. Fortunately, Ideal Collection Services have removed from other bureaus except XXXX. XXXX property finally admitted to the XXXX ( see attachment ) on XX/XX/XXXX that the tenant XXXX XXXX XXXX XXXX XXXX vacated the premises on XX/XX/XXXX. Although they claim it was an eviction, it was an agreed upon move-out due to my notary public sign being a violation. I have the e-mail screenshot ( SEE ATTACHMENT ) of XXXX XXXX, the accountant for XXXX XXXX advising, " ... You have until this weekend [ XX/XX/XXXX, XX/XX/XXXX ] to vacate the premises. If you're not vacated, we will begin the EVICTION process on Monday [ XX/XX/XXXX ] ... '' Since I was moved out on XX/XX/XXXX PRIOR to the the weekend XX/XX/XXXX & XXXX, XXXX, there should not be ANY " EVICTION '' done and applied to my credit. I spoke to XXXX at Ideal Collection Services and he did inform me my file was in archives and should arrive by Thursday of last week XX/XX/XXXX. XXXX also advised that XXXX had not sent them any requests or communications since XX/XX/XXXX, which is really alarming to hear that XXXX was NOT doing their part in protecting the consumer and attending to my concerns. Furthermore, it is saying last balance updated on XX/XX/XXXX which is absolutely reporting incorrectly because this balance of {$5800.00} has been the same over these last 5 years.
09/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 331XX	Web
Let me start by saying that this collector may have tried to reach me and I simply did n't get the notice. In XX/XX/XXXX, I separated from my partner and after many months of struggling to make timely payments I was served with a notification to vacate an apartment we leased at XXXX XXXX, I complied. The property, sold that debt to XXXX XXXX XXXX and although they have never reached out I was aware of the debt and I knew at some point I would have to pay it. In any event, I contacted Ideal in XX/XX/XXXX to try to settle that debt and at that moment they advised me that they would not settled and that it had to be paid in full, the rep who has been assigned to my account is very strict and did n't give me much leeway to speak or to understand the process she just said this had to be paid and there would be no deduction. Yesterday, XX/XX/XXXX I contacted the creditor again as I am trying to organize my finances and purchase a home and at this point the rep, XXXX XXXX of Ideal Collection, informed me that not only was there no settlement but that there was no arrangement they could make, the debt has to be settled in full. I was perplexed, is this lawful? Not everyone has {$2100.00} to pay off a debt at once. Are agencies allowed to strong arm a citizen or hold their credit hostage? For the record I offered to make 3 payments of {$700.00} and that was not good enough. I would like to understand if this is true.
12/15/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web
A collection agency is trying to collect a debt from me that does not belong to me. Previous complaints have revealed that the collection agency wants to obtain information from me in violation of the law regarding collection agencies, namely, obtaining my government issued ID and filling out a legal form provided by the agency is a violation, in addition, this data will be used against me, since the agency does not have any evidence of my debt, except for public information that can be found through any search engine on the Internet. The provided handwritten contract, which is evidence, does not contain my signature, or rather there is a signature, but it is not mine, the evidence also contains Form XXXX in the name of a citizen of the XXXX XXXX , although I am a citizen of the XXXXXXXX XXXX XXXXXXXX XXXX According to my rights and the law, I am not obliged to provide the documents that the collection agency requires from me, and the collection agency does not have the right to demand these documents from me. According to the law, the report I provided is official proof that this debt does not belong to me. In turn, I have also filed a complaint through a XXXX state attorney with the credit bureaus and will be preparing a claim against this collection agency. This record has been on my credit report for quite a long time and has caused me a lot of losses.
09/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web	Servicemember
I paid to terminate my lease in XXXX XXXX apartments in XX/XX/2015. My utilities and rent were prorated and paid for as well. Upon correctly terminating my lease, I had my apartment inspected, prior to leaving, and was able to get my deposit back. I am now being charged {$1900.00} for " damages ''. I have spoken with two different angents at the Ideal Collection service, and both of their claims differ as to why {$1900.00} worth of damages accrued. Also, the property listed my reason for moving out was because I owned a pet. I never had a pet and moved out on my own accord. Adding on, I did not live in this unit for two years and should not be charged for a 2 year carpet replacement. Overall, I do not understand how I am being charged for damages when the property personally paid me my security deposit upon after walking through and verifying that my apartment was in good condition. I have been trying contact the XXXX XXXX XXXX XXXX XXXX ( XXXX ), the real estate company that XXXX XXXX was under, but have been unsuccessful because XXXX XXXX no longer exists and XXXX has false contact information. Because of the various mistakes, I have already disputed this charge. I have also done my research on this leasing agency and have found reports of falsified claim of charges and wrongfully sending charges to collections with others that have leased with them.
10/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 786XX	Web
I have sent letters to Ideal Collection Services seeking that they validate the debt. They have failed to do so. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How does this company list this entry as data factoring when they are a 3rd party collection company and did not assume the debt prior to charge off? This company did not prove that the statute of limitations has not expired. Where are the documents that reflect my signature? Where are the documents that provide proof of ALL charges, invoices, or slips that prove my indebtness to them? Ideal Collection Services is blatantly violating my consumer rights as well as totally disregarding the mandates set forth in the Fair Debt Collection Practices Act. This erroneous, unverifiable, inaccurate item should not be reflected on my credit reports.
11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	FL 33142	Web
Good Day, Collection Agency : IDEAL COLLECTION SERVICES Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/2020 Original Amount Owed {$3300.00} Amount {$3300.00} Status Date XX/XX/2020 Status UNPAID I have a problem with the company described below, I lived in apartment XXXX XXXX XXXX CT XXXX XXXX, and due to COVID19 reasons, I had to leave on XX/XX/XXXX, I made the delivery of the apartment in good condition, and the administrator of the condominium, he told me there was no problem, that if something happened they would let me know by mail and took my new address. months later I received a message from equifax indicating that I had a negative report ( high impact ), I checked the data and they sent a letter to the address where I lived before XXXX XXXX XXXX CT XXXX XXXX, on XX/XX/XXXX ( in that date I was not living there ), and for that reason they reported me. I never received a call, an email, a text message, or an email. They never contacted me. Today I contact the company IDEAL COLLECTION SERVICES, they are very rude and they did not answer my calls again, I check their history of qualifications online, and they have 1.7, there they indicate that they are a terrible company. I am afraid of a theft, or permanent damage to my credit. I need your help please
05/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33025	Web
On XX/XX/2022, my former apartment complex ( XXXX XXXX XXXX ) placed me in collections stating that I owe them money. They sold the debt to a debt collector ( Ideal Collection ) and placed the negative account on my credit. I contacted both XXXX XXXX XXXX and Ideal Collection in XX/XX/2022. The manager at XXXX never responded to my email and Ideal Collection 'verified the debt '', without actually verifying it's accuracy. On XX/XX/2022 - I emailed the manager of the apartment complex again, outlining the errors in the final statement receipt that I had, showing that for 13 months, they collected my rent but left out the collection payment of {$75.00} a month for the water bill, every month they failed to document the water bill in their ledger. I believe that XXXX XXXX XXXX or the individual responsible for accounting, purposely left out the monthly {$75.00} in an attempt to steal it. In return, they claimed that I owed them the funds, but my rental payments on the ledger shows that they received my entire rent amount of {$2000.00} that included the {$75.00} for water. XXXX XXXX XXXX has now sold this debt to a Ideal collection and ILLEGALLY placed the debt on my consumer report, which has caused my credit score to drop significantly.
09/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33428	Web
I have already been to court to pay this debt. XXXX XXXX XXXX made a mistake charging my account with utilities in advance, that was the reason to charge Astronomic fees, also they dont received my current payments. The only way to dispute this was on court. I went to court on XX/XX/XXXX and Plaintiff was pay In full for a total of {$2100.00} on XX/XX/XXXX XXXX see Ecase view through Court : XXXX XXXX XXXX . The court records indicate that I already paid in full the Correct balance. No Absurd interest fee for negligent billing procedures in XXXX XXXX. The records that you provided show that the credit first opened in XX/XX/XXXX and was first reported XX/XX/XXXX ; four and seven months, respectively, after the debt was paid in full in court. I am requesting that this information be corrected. There is no reason as to why the credit charge is in a status of collection. it makes no sense, and the timing of the reported date makes even less sense. Given the due process of the law, XXXX XXXX had every opportunity to charge in court more or less than the amount they claimed, but they didnt, so I see no reason as to why they should decide to do it later by Ideall collection services.This is a clear fact how they act, they abuse.
04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
While checking my credit report, I notice an account from IDEAL COLLECTION SERVICE that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that IDEAL COLLECTION SERVICE is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
07/22/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 339XX	Web
Everything started in XX/XX/2017, when I got a letter from Ideal Collections Services, who have been avoiding me ever since. I kept requesting a letter despite having documentation proving this debt is not owed. I raised a dispute with the organization before contacting the credit bureaus. which it was still not taken out. When I spoke to the manager, XXXX, she was quite rude to me and I told her that I had spoken to the original owners and that the bill had been paid, but that it had still appeared on my credit report and that of my roommate. Finally, we reached an understanding, and she suggested that I register for " Our Florida. '' a business that pays back rent ( for rent I do not owe ) I consented to this so that I could cross it off my report. I applied, waited more than three months, and was then informed that tenants whose rent is in collections are not reimbursed or credited the debt. I was deceived and told lies. It has been a complete nightmare going through this process. I have a right to accuracy and honesty under the CFPB and FCRA. This procedure was rife with fabrications. Please look into this business because I'm not the only one going through this.
09/12/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	FL 33604	Web
Hello, So I live at the XXXX at XXXXXXXX XXXX in XXXX to XXXX, after I left I never received an invoice for their final bill. I did not know I had a final bill until after it hit my credit. I gave them a forwarding address, but I never heard from them again. I called the collection agency after I saw it hit my credit, but they are a smaller agency with very old equipment that is not up-to-date, so they had to go to some storage shed to get my file, which will take up to 30 days. Anywho, the apartments I moved out of charged me for carpet that was installed before I moved in, they said that it was because it was so damaged that they had to replace it after and charged me a pro-rated amount or something along those lines. These carpets only have a 5 year life expectancy, and i called the flooring place. The carpet was not updated again until XXXX, so they charged me for carpet that was obviously not damaged enough to have to replace again until the end of Its 5 years, which they would have had to replace anyway. Im requesting proof of the cleaning fees and the carpet replacement after I moved that was before the 5 years lifespan of the carpet.
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32829	Web
There are multiple accounts on my credit report that are either inaccurate or just all and all not my account. I have filed and submitted police reports stating that these account were either fraudulently opened by someone else in my name or the dates and amounts are inaccurate. Here below are the account holders along with dates and amounts that are inaccurate which I have tried to resolve with said supporting facts and reports. ' {$2000.00}, {$1100.00}, {$610.00}, {$410.00}, {$1700.00}, {$340.00}, {$390.00}, {$240.00}, {$410.00}, {$610.00}, {$770.00}, {$300.00}, {$8700.00}, {$780.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ALL of the accounts that have been constantly negatively effecting my credit are inaccurate. I have disputing with the original creditors as well as collection agency. I have also disputed with XXXX, XXXX, and XXXX. I have provided supporting documents such as police reports and proof that these are not mine, yet they are still negatively reporting. These need to be taken care of as this is putting me in a financial hardship.
02/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
XXXX, XXXX, and XXXX have already recognized 'Ideal collections ' as a fraudulent account on my credit report. In fact, those agencies have sent certified mail to XXXX showing the outcome of their investigations. Still to this day, XXXX refuses to remove this from my credit report. I still have no paperwork, records, etc ( only documents from XXXX, XXXX, and XXXX confirming this fraud ). So far, Ideal collections has only posted a fraudulent document that clearly shows forged signatures. My attorney has proof of signature authentication. I would like XXXX to follow suit with the other agencies and remove this fraudulent account. They claim that we owe {$6400.00}, for what I still don't know. A quick search online and you will find that these scammers are using the same amount with hundreds of other individuals. According to the CFPB they currently have 1,137 complaints against 'Ideal collections. ' All of the evidence is there proving obvious fraud. Again, all of the other credit agencies have recognized this as fraud, except for XXXX. I've had a clean credit report for over 2 decades, my FICO is currently XXXX.
05/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
XXXX XXXX XXXXXXXX and ideal debt collection has falsely placed falsified information on my credit. I have called the both parties and neither have or are willing to explain to me how I owe the money. On line four of the lease it states that we are to pay XXXX for rent, XXXX for trash and XXXX for water totalling XXXX. Also on the utility page. They have given a copy of ledger proving that we paid XXXX every month. XXXX has written a letter stating that this charge is not valid for XXXX XXXX the other person that was listed on the lease however she wants to make me fully responsible for the debt again without showing how I owe. I've tried many times to have a conversation with XXXX but she would scream, why are you calling just pay me the money. I have email conversations proving that XXXX from the debt agency she doesn't understand the charges either but XXXX refuses to remove even after proof that the debt false. I'm willing to furnished all documentation I have referred to. Ideal collection services, Inc XXXX XXXX XXXX XXXX, FL XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX
03/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MS 39501	Web
I paid the balance owed in this voluntary eviction on my behalf because employees were using my identity to commit fraud I was there in XXXX Florida from XXXX I filed in civil court XXXX XXXX a response to evict and the settlement was reached I was given the remaining balance I have sent correspondence for several years every year requesting that ( ideal collection XXXX XXXX XXXX XXXX where I lived be removed from my credit ) as per the attached screen shot of the payment on the XXXX XXXX website the account has been paid it is their confirmation and why it should have been removed from my credit report I would like to attach supporting documents however the link below is working as this is an important link to provide evidence please fix additionally your staff can research the case on the XXXX website it XXXX a voluntary eviction Please respond via return XXXX XXXX p s. I have email, returned certified mail statements with supporting documents of the apartment complex being paid I sent to XXXX XXXX and XXXX XXXX the account be removed every year for the past few years.
06/15/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33458	Web
My name is XXXX XXXX and I used to live in XXXX XXXX XXXX XXXX, XXXX XXXX Florida. I always paid my bills on time I have 100 % of payment on time on my credit report and I was just blindsided by this negative report made by ideal collection service. It was regarding {$64.00} and I never got a letter or a phone call saying that I had this depth regarding water bill thats what they say to me when I called Them yesterday. I take care of my credit very closely and I really care about my reports and I do my best to be on top of my hundred percent payment on time all my payments are automatic pay so I will never forget about them. I never got any phone calls from XXXX XXXX or the collector office. Im really upset that my credit decreasing 42 points over {$64.00} that I have no idea that I had to pay. I found out that yesterday and I already filled out a check and I send it out to Ideal Collection. I think what they did wasnt fair. They hurt my credit bad. Im really upset about this and I hope they will remove this bad report after my check clears up. Sincerely XXXX XXXX
06/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33073	Web
When my lease ended with XXXX XXXX in XXXX of XXXX they sent me a notice saying I owed {$310.00} and had 15 days from receiving the notice to dispute it which i did. They claimed i only returned one house key and charged me {$25.00}. Fortunately i took a picture of BOTH keys initialed by them that it was received by them. I made sure to send them that proof with my dispute. They also wanted to charge me {$120.00} to replace the carpet which they said was dirty. I dispute that as well since they promised me via email that when i renewed my lease in XXXX that i would get a free carpet cleaning. Had they done as promised i would have a clean carpet and they would not be charging me for that. They also want to charge me {$100.00} cleaning fee for " leaving items '' behind. This i dispute as well. They never did a walk through with me even though i requested it when i moved out. They said it was not necessary. So I dispute all this and I hear nothing back and now suddenly XXXX months later its with a collection agency. I don't know how that is allowed
04/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	GA 30135	Web	Servicemember
I just learned that I have an account in collections with this company. I do not have an account number or any other identifying information since I have not received any contact from this company. They are collecting on behalf of XXXX XXXX XXXX, an apartment complex that I no longer reside at. My family left XXXX XXXX on bad terms and they charged us for a number of items which we disputed but to no avail. In the end we sent a check to the company and we heard nothing further so we assumed there was no further action needed. We have n't received any dunning notice, verification of debt, notice to dispute from Ideal Collections Services therefore we were n't able to dispute the debt or even request verification. When I contacted the company I was told that because I do n't have an account number they would not be able to look into it but that they would " continue to pursue me '' for the debt and " most likely '' we will be sued. Threats and other improper communication tactics being used are violating my rights as a consumer.
12/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 334XX	Web
A FRIEND AND I RENTED AN APARTMENT AT XXXX XXXX UNTIL THE LEASE RAN OUT AROUND XXXX XXXX. WE NOTIFIED THE OFFICE THAT WE WERE NOT GOING TO RENEW THE LEASE AND WOULD BE LEAVING. WE THEN MOVED IN XXXX XXXX. MY FRIEND ( XXXX XXXX XXXX WHO WAS THE PRIMARY LEASE HOLDER DID NOT HEAR OR RECEIVE ANY NOTIFICATION FROM XXXX XXXX UNTILL A YEAR LATER. THEY SAID HE OWED $ $ $ $ FOR RENT. THERE WAS NOT LEASE SIGNED. HE REFUSED TOY HAD BROKE THE PREVIOUS LEASING PAY. NO FURTHER ACTION WAS TAKEN TOWARDS HIM. AFTER ALMOST 7 YEARS WITHOUT ANY NOTIFICATION I NOTICED MY CREDIT SCORE FELL SIGNIFICANTLY DUE TO XXXX SENDING THE ACCOUNT TO A COLLECTION AGENCY. THIS WAS NOT PLACED PRIOR TO XXXX BECAUSE I WOULD NOT HAVE BEEN ABLE TO APPLY AND RECEIVE A MORTGAGE TO BY MY HOUSE. I CONTACTED IDEAL COLLECTIONS FOR THEM TO SEND ME THE NECESSARY PAPERWORK TO SHOW THIS DEBT. I HAVE NOT HEARD FROM THEM. I DISPUTED THIS WITH THE CREDIT BUREAU ALSO. THIS IS AFFECTING ME SIGNIFICANTLY SINCE I AM TRYING TO EITHER REFINANCE MY MORTGAGE OR APPLY FOR A HELOC.
03/19/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web
This will be the 4th complaint i want to CFPB to take action i have a police report as the past 3 reports i have submited i have a police report actually i have 3 of them Ideal collections wants a fraud affidavid form as the police stated this form does not exist they keep asking for my ID this means whoever used my identity in fraud did not have it or pic is not me, they state signature is mine i state it is not as someone as well in 2012 also files a false tax return in my name using this addy same place they say i owe the debit, this will be the final chance to delete this as they again are asking for things that do not exist there is no fraud affidaivd per the police and their report i have IRS notice of identy theft if they fail to delete this from my report i will take legal action as Ideal damaged my credit and yes this is extorition as once again police report attached if they feel this reort is fake please contact XXXX PD as i am a well know public figure and prove residance in same place past 19 years
09/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32806	Web
Ideal collection services is falsely adding a collections account to my credit report. I was NEVER contacted by this company in regards to such claim. I was never provided any documents, i was spoken to very rudely when i called them. I was advised from them to send a copy of my ID & Affidavit to dispute this issue. Which i did! But still no response from them. They have refused to remove this item from my credit report. They're very unprofessional and spoke to me so disrespectfully. I am very concerned with what they're going to do with my personal information that was sent to dispute this negative item on my credit report. I was not given a fair shot to dispute this information before it affected my credit report, which violated my rights. Then i sent in all the correct supporting documents ( which was advised from them ) and they still never communicated back to me by removing this item, never sent me any details about this false account. I want this item removed from my credit report, as it is not mine.
12/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
In response to CFPB complaint : XXXX In reference to the complaint request regarding a legitimate investigation provided by your company ; I am requesting, by law, to provide me with the investigation that your company did. I am requesting any contacts and ways that were in this investigation. After carefully reviewing your response, you have failed to prove that this fraudulent application is me. You or your company stated that, my signature doesnt match. If you investigated that my signature does not match your record you have no right to continue to collect on this collection. At this moment, I will be contacting the company with the response you have provided to me in your CFPB response. You have requested that I provide my drives license to your company, knowing that my identity was compromised. Yet you ask me to fax a copy of my drives license to your company. At this moment I am requesting any documents or any form of logs used to verify this application to be mailed to me or emailed to me. Thank you
07/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32806	Web
I have contacted this company in regards to this collection account that's reporting on my credit report. The information does not belong to me at all. They have the wrong social and date of birth. I have advised this company to remove this account from my credit report, as it does not belong to me. I was never contacted by this company before this information was placed on my report. They never tried contacting me to dispute this wrong account. They have reported this information on my credit report as it has hurt my credit and caused harm to my score. They never provided me any information what so ever. They have totally violated my rights. I was advised from someone at their company that none of the personal information such as ( social and date of birth ) is correct. I am not sure how this account has ended up on my credit report. They violated my rights as a consumer because i never received any documents or communication before this account was added to my credit report.
09/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33409	Web
This is in regards to Account # XXXX with Ideal Collection Service. I recently disputed this item reporting inaccurately on my credit reports with XXXX, XXXX, and XXXX and the item came back verified by your company. However, on the results from the bureaus there is a different address reporting for the item on XXXX and on XXXX. On XXXX the address for the item is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX AND on XXXX for the SAME ACCOUNT the address is reporting XXXX XXXX XXXX XXXX, FL XXXX. This is information is obviously not accurate and certainly very confusing to the consumer and there are supposed to be by law specific policies and procedures in place for these types of things. I am being harmed financially due to this item and it is being reported inaccurately. Since in my original letter I asked that if the item was not reporting 100 % accurate to please have it deleted and it is not reporting accurately I am asking that this item please be deleted from my credit report.
02/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32836	Web
I was renting an apartment at XXXX in XXXX, FL XX/XX/XXXX-XX/XX/XXXX. Upon leaving I verified with previous owner XXXX that the account was paid in full. In XX/XX/XXXX the complex was sold by previous owners XXXX and XXXX ( Last names unknown. ) New owners know nothing about this. Now, XXXX years later, Ideal collection agency is posting negative information. I disputed but the information was not removed. I called Ideal and they gave me the run around and are not immediately forthcoming with any information. I called XXXX and it was sold thus they have no information. Ideal refuses to provide contact information for previous owners. This collection is false. I paid on time every month and was fully paid upon leaving. The Ideal agency is not forthcoming with information. I want this information off my record. Being as it was XXXX years ago I no longer have receipts or any such thing. My lady and I are XXXX and this is very stressful. We need this removed.
01/25/2018	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	FL 33009	Web
On XXXX XXXX, 2018, I called Ideal Collection Service, XXXX regarding an account I noticed on my credit. I spoke with someone named XXXX, ( last name was not provided ) and when I advised her I was not aware of any lease in my name and that I planned to put the matter in dispute. She then advised me that the only way I could dispute the debt per federal law was to report the matter as fraud to my local authorities and then provide her company a copy of this police report in order to have the debt investigated and removed from my credit. When I asked her what federal law this was applicable under, she refused to provide me that information and told me I would have to find out myself. She then proceeded to be very rude and unhelpful in providing any additional information regarding the account. I then requested to speak with a manager, she told me she was the manager and refused to allow me to speak to anyone else at the company who may have been helpful.
09/24/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33417	Web	Older American
I lived at XXXX XXXX XXXX XXXX, which is now XXXX XXXX, this was back in XXXX of 2015, I resided there XX/XX/2015 until XXXX of 2015 after my health condition was diagnosed as XXXX XXXX XXXX, at this point I had to stop working and then was in the Process of moving back to XXXX with family to which I informed the management company at that time which is no longer there, with this being said I was told that I would be able to work something out with them, to no avail this did not happen I did owe some back rent but not to the amount which is being claimed. this is not the company I rented from and they have added an outlandish amount of {$6400.00}, I am currently XXXX on XXXX and unable to this on my report trying rent with this on my report. I look forward to hearing from you going forward The Company 's Name is Ideal Collection Services XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX
09/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33615	Web
I rented an apartment at XXXX XXXX in XXXX, Florida for over two years. I always paid my rent on time. I gave over sixty ( 60 ) days notice that I was moving out. This was over a year ago. XXXX XXXX is trying to claim I owe them money. I do not owe them any money. They never refunded my deposit. I did not damage the apartment in anyway. XXXX and XXXX XXXX will not remove the item from my credit report. I spoke with the office manager at XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX. They told me good luck on ever renting another apartment if I did n't pay them money. They are trying to blackmail me and extort money from me that I do not owe them. They even agreed with me that I was never late on any rent payments, and that I gave them sufficient notice when I moved out. However, they will not remove the item from my credit report unless I pay them money.
07/07/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33025	Web
My name is XXXX XXXX, a federally protected consumer and Im making this follow up complaint against IDEAL COLLECTION SERVI for committing identity theft. On XX/XX/27 I sent IDEAL COLLECTION SERVI a cease and desist through the cfpb portal. IDEAL COLLECTION SERVI Should not be communicating with me. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to federal law 15 usc 1692a 2. My credit report is also a medium. Im aware I stated in my cease and desist that you have XXXX business days to remove this from credit report. I suggest If you dont want me to pursuit litigation for monetary damages you will cease all communication immediately. Shall you choose not to my legal counsel with be submitting summoning you to small claims court to defend yourself!
10/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	FL 33486	Web
Contacted Ideal Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to settle a debt. Company withheld offering a settlement to the original creditor ( i.e., did not even present the offer ). Even once I/consumer disclosed that the original creditor would accept a settlement of at least XXXX if presented ( per their agreement they should at the very least present an offer ) XXXX XXXX and another female debt collector of the company said they would not uphold their agreement with the account holder because I should have paid the bill, and not wait until the bill was stopping me from getting something. Filing this complaint due to harassment and request that my debt is settled with another collection agency or the original creditor or they uphold the agreement made between the original creditor and debt collection agency.
10/16/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33073	Web
This fake company IDEAL COLLECTION SERVICES INC. Located in XXXX FL has been harassing me, reported me to the credit bureaus. This company is fake and not license to collect debt in my state Florida. I do not have any responsibility for the debt theyre trying to collect. If they have good reason to believe that I am responsible for this debt, they should first mail me their Florida license to collect and documents to support that I owe them. They should also mail me the contract they believe I signed with them. I request that they record that I dispute having any obligation for this debt. I also request that they report to the credit bureaus that I do not owe them and that this debt matter has been disputed and should be remove from my credit report. I request that they cease and desist or I will take legal action.
02/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07644	Web
Hello. I currently have a collections debt showing up on my credit report from Ideal Collection Service for the amount of {$2800.00}. From my knowledge this was a lease break fee from when I lived with my ex fiance in XX/XX/XXXX XXXX XXXX in XXXX XXXX XXXX XXXX FL. OnXX/XX/XXXXthis collections amount was made. I never received any notification that anything was owed or I was in any type of wrong. I feel as if I should be given some sort of hardship break. As I try to make sense of my collection amount I wanted to see out of good faith if you were able to remove this off of my credit report. At the time I was going through a very hard break up with my ex wife and was forced to move as I could not afford the rent. I am currently getting back on my feet and plan to catch up with everything. Thank you for your time
12/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78521	Web
XXXX XXXX XXXX is trying to collect on debt not owed. We completed our lease and never signed any renewals. We were given a refund for deposit at the time we moved out. When asking XXXX at XXXX XXXX XXXX to provide copy of lease and full payment history she said she did not have to provide. I explained they have a billing error and she advised I had to discuss with XXXX XXXX but the collection agency is telling me to contact original creditor. This debt does not belong to me and is invalid. Both the collection agency and original creditor have been given over 120 days to provide validating documents and not one shred of evidence supporting the amount they are trying to collect has been provided. This need to be deleted from my credit and the account needs to be closed as this debt collection is invalid.
01/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32836	Web
I was renting an apartment at XXXX of XXXX in XXXX, FL XXXX. Upon leaving I verified that the account was paid in full. Now, 5 years later, a collection agency is posting gative information. Ideal Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I disputed but the information was not removed. I called Ideal and they gave me the run around and are not immediately forthcoming with any information. I called XXXX at XXXX and it was sold thus they have no information. This collection is false. I paid on time every month and was fully paid upon leaving. The Ideal agency is not forthcoming with information. I want this information off my record. Being as it was 5 years ago I no longer have receipts or any such thing. My XXXX and I are XXXX and this is very stressful.
02/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32819	Web
Hello, my name is XXXX XXXX XXXX I am a victim of identity theft. Ive reported to all three bureaus and the company is. Ive never lived here. I am a victim of identity theft. Please help me. ive been harassed by this company. XXXX XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX XXXX XXXX department XXXX XXXX {$4700.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : Account information disputed by consumer Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX {$4700.00} {$4700.00}
09/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 321XX	Web	Servicemember
Ideal Collection Services is attempting to collect a debt that has not been properly validated. The debt to which ICS is attempting to collect was compiled XXXX/XXXX/2018 and faxed to ICS on XXXX/XXXX/2018 for carpet replacement on a rental i vacated on XX/XX/2018. ICS provided USPS certified mail Labels ONLY without the original contents, no sender info at all. Just .... XXXX XXXX .... they mailed the certified labels to the apartment that has been vacated where it sat for over a month " knowing i could not possibly of had any knowledge of its existence to respond to the bill obviously ''. This clearly is in violation of my rights under the Fair Debt Collection Act and the state of Florida Statues Law Title VI Chapter 83 Article ( 3 ) ( a ) 3rd paragraph.
01/02/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web
I AM A SEPARTED INDIVIDUAL RESIDING ALONE WITH MY XXXX PARENT AND IN XXXX I REVIEWED MY CREDIT REPORT ONLINE TO CHECK MY CREDIT SCORES AND FOUND THAT THERE IS AN UNKNOWN JOINT ACCOUNT THAT WAS OPENED THAT I KNOW NOTHING ABOUT AND UNDER SECTION 609(e); I HAVE NOT AUTHORIZED XXXX THE ORIGINAL CREDITOR TO ACCESS MY CREDIT REPORT FOR THE PROCESS OF A PROPERTY LEASE APPLICATION. THIS ACCOUNT WAS OPENED UNLAWFULLY AND HE USE OF MY PERSONAL DETAILS WAS DONE SO NEGECTFULLY BY THIS COMPANY, THEREFORE, MY REQUEST IS FOR FULL VALIDATION INCLUDING WET SIGNATURE, AND THE INFORMATION USED TO QUALIFY THIS ACCOUNT, AND I REQUEST THAT THIS ACCOUNT BE BLOCKED FROM REPORTING FRAUDULENT ACCOUNT UNDER SECTION 60B OF THE FCRA WAS SENT VIA USPS DELIVERY CERTIFICA TION,
08/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 337XX	Web
Ideal collection Service & Recovery XXXX XXXX XXXX, XXXX, FL XXXX Phone number : ( XXXX ) XXXX Amount : {$3100.00} This company is in direct violation of the Fair credit reporting act. I have no contract with this company allowing them to report on my credit report and am REQUESTING THE ACCOUNT BE REMOVED IMMEDIATELY. They are in violation of section 604 and section 609 of the Fair Credit Reporting act. I send documents asking for permissible purpose with IDEAL COLLECTION SERVICE AND RECOVERY to which they were not able to provide. I also called and spoke to an associate on XX/XX/XXXX who was unable to provide any proof to me and disconnecting the call. She was unable to answer when I asked " if I have a contract with ICSR ''
03/16/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33021	Web
a copmany called Ideal collections has been trying to extort me for XXXX this is the 3rd complaint i am filing, someone used my identuty to rent an apartment, i have proved this was fraid, i have 3 police reports over the past 6 years the company wants the police to do a fraud affidavid or pay XXXX to remove this from my credit, as it states in the attached police report i am a victim of identy theft and the police do not have a fraud affidavid for me to fill out this document does not exist in any police dept as the police so ideal collections is trying to extorant and HAS placed this item on all my reports and will not take it off even with all the identity theft reports from police and IRS i need action ASAP
05/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33411	Web
I received this information about a collection from XXXX XXXX XXXX i did not renew lease with XXXX XXXX my lease expires on XX/XX/2020 and XX/XX/2020 I surrendered keys I was never late I had an automatic draft out my account. I never received my security deposit back as well the country was shut down due to pandemic I went in to XXXX XXXX and was not able to renew lease due to employment shutting down I dont know where these figures came from of owing XXXX XXXX and this is totally wrong I never broke my lease and I was out when lease expired I left my unit the way I moved in and did a walk through with the agent and surrender my keys this is totally false and unacceptable and I need this issue rectified.
02/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33626	Web
i asked from the collection company to provide me the contract they have for XXXX, with my right name and my SSN on the contract, they refused. when i asked from them to varified with me the information on the contract over the phone, the lady i spoke with her she insisted 3 times that my correct name on the contract with SSN. i asked from her to read for me the name on the contract, she read it wrong and when i asked form her to read my SNN on the contract, she said there is no SNN on the contract. so how they reported me based on the contract they claimed that belong to me if the name on that contract does not match my name and they have not even my SSN on the contract.
02/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33056	Web
I made contact with IDEAL COLLECTION SERVI XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX with CERTIFIED MAIL # XXXX XXXX XXXX XXXX on or about XXXX with the company in regards to the so called debt. I forwarded them information that was requested from them which provided identification. I also mailed them my copy of identity theft report showing that my information was stolen. I also sent them affidavit of fact which was notaries. I also requested that they mailed me any proof. I never receive any correspondent form them. I ' m trying to achieve the American Dream purchasing a house however, this collection account which is not my is hindering me form achieving that Dream.
03/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
Ideal collections is still not going by the law they are trying to collect a debit that was done by identy theft, i have attached a police report they are asking for a fraud affidavid as the police stated this does not exist please read report. I have now gotten a lawyer and i am not nor will i provide them with my ID my identity was alreadys stolen, this will be the last attempt to have them remove this or the Law offices of XXXX XXXX in XXXX will file suit, i have never gotten a debit collection from these people this has been over 6 years this is now harrasment and extortion again i have a police report. Last chance to remove or XXXX XXXX wil take over
09/21/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	AZ 86004	Web
1. I requested information on debt validation, to which there was a written response that this debt belongs to me, without any confirmation, no copy of ID, no social security number, no copy of signature. 2. In response to the previous complaint, I received an answer that I must fill out a form stating that my identity was stolen, but I do not believe this, since the company can not provide any evidence that this debt belongs to me. 3. By law, the debt collector must prove to me that I owe them, but in fact, the debt collector asks me to confirm or refute this debt. 4. The address where I allegedly rented the apartment is in an office building.
05/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33063	Web
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. This account is not mine.
06/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web
I XXXX XXXX never enter any consumer credit transaction with IDEAL COLL for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this is infringement upon my consumer 's right to privacy. By IDEAL COLL obtaining my personal information without my consent they have committed fraud and identity thief which I have attached my FTC complaint. IDEAL COLL furnishing this allege debt to my consumer report as if I owe something and now they have damage my reputation pursuant to 15 usc 1692d ( 1 ). Now I can not do business with anybody else due to IDEAL COLL reporting this allege debt to my consumer 's reports.
07/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33415	Web
This debt is from my apartment community and is invalid. I had discussed this " debt " with management in which they informed me my damage deposit would be used to re paint XXXX walls. My community is charging me {$380.00} to paint XXXX walls when I was told that it was ok to paint, and that they would cover the cost from my XXXX of dollars damage deposit that I left. This is a falsified debt that is forged in an attempt to make more money. This apartment community is unfair. I have the original invoice for the paint job they did to repait the walls and it was no where near {$380.00} it was significantly less.
11/09/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33617	Web	Servicemember
I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX XXXX XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.
04/10/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33401	Web
In checking my credit report I see that I have a collections account listed with XXXX XXXX XXXX. They have never sent me any letters in attempting to collect this debt. I was suppose to receive a letter explaining who they are and why they are contacting me. I should have had a chance to dispute this debt by asking for information about the original creditor. That never happened. In addition, there have never been any phone calls, emails or contact with this company. They are not trying to contact me, they are simply reporting this account to XXXX and XXXX.
07/03/2023	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	MI 480XX	Web
A collection on my credit is showing up as Ideal Collection Services, I have never done any business with Ideal Collection Services and I have sent multiple letters asking them to verify the debt belongs to me, to which they have refused to respond in a reasonable time frame. I sent the first letter out on XX/XX/2023 and the second letter out on XX/XX/2023, finally I sent the XXXX letter on XX/XX/2023. The company has failed to respond to all XXXX letters. I have the right to demand a signed copy of the contract between myself and Ideal Collection Services.
09/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33025	Web
My old apartment complex XXXX XXXX XXXX prematurely sent my account to collections prior to finalizing their account statements in XXXX. I recieved a collection letter on XX/XX/2022 and this collection was reported on my credit report soon after. On XXXX XXXX, 2022, I recieved a final account statement from XXXX XXXX XXXX indicating that I hada XXXX balance with them, after they went through all of my deposits and credits to the account. The damage was already made to my consumer report months proir and it cause my credit rating to drop dramatically.
01/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33614	Web	Servicemember
I have a debt from the XXXX XXXX XXXX that was paid in XXXX of 2020 by deposit at a XXXX XXXX branch. The company ideal collection services has placed the debt back on my credit report despite having a record of the deposit. The debt was for XXXX dollars. I paid XXXX, they have made no effort to contact me regarding this debt. Attempts to contact them has resulted in them hanging up on me and them demanding that I provide them part of my social security number by unencrypted email. I have offered to visit in person with photo ID and they declined.
02/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33023	Web
I have made multiple requests to XXXX and XXXX to send me proof of this debt owed and still have not received. They send back a letter stating verified. I have contacted Ideal Collection Services to ask for a contract between them and I but have not received anything. I am currently threatening to be homeless due to apartment agencies and mortgage companies showing I owe money to an apartment complex that I do not owe. They also have these documents under XXXX XXXX and I was not XXXX XXXX at that time due to my divorce.
03/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 333XX	Web
XXXX and has falsely reported an inaccurate claim and or amount on my credit report. I disputed the entire amount that was sent to collections within 30 days by my previous apartment complex. I did this with recipients and all evidence that I was never in violation of my lease agreement. I was unfairly targeted and discriminated against and issued a 7 day notice to vacate. I complied with their request and paid all current rent. My account was still sent to collection and i was charged an early termination fee.
07/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32277	Web
I asked them for verification of the debt since I did n't recognize the account and all they sent was a letter stating the amount without any type of break down or representation on what the account is. Then when I reached out to the actual entity that sold them the debt they sent me a break down of charges but I do not recognize because this is a fraudulent account. I have been a victim of many account and items opened and filed in my name which is why there is a fraud alert on my report now.
04/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 158XX	Web
I have already disputed this with Ideal Collection- XXXX XXXX XXXX XXXX, XXXX and XXXX on multiple occasions but it keeps getting reopened. This is a fraudulent attempt to collect. I never even lived there. They apparently made up some charges and continue to attempt to collect on fraudulent, phoney, made up charges. My superior credit rating has been devalued by over XXXX points as a result and I just cant resolve this fraud issue. PLEASE REMOVE THIS FRAUDULENT ACTIVITY FROM MY ACCOUNTS.
03/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33130	Web
I need help. I want to report that IDEAL COLLECTION SERVICES, INC is committing multiple violations to the Fair Credit Reporting Act and this is hugely affecting me. I want to mention two serious violations : 1. Reporting an incorrect opening date 2. Charge-off interest. Damages : legal advice expenses, not being able to obtain loan, emotional stress. Please forward the attached documents to IDEAL COLLECTION SERVICES , INC . Thank you so much, CFPB.
11/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33414	Web
An apartment complex has submitted communication to a collection agency that i vacated the rental property without notice and they also are looking to collect damages. I vacated the property in XX/XX/XXXX with an inspection report and a " ok '' from management. XX/XX/XXXX it hits my inspection report and I realize the debt as I was trying to finance a car. Does 5 years break the statue of limitations even if the charges were legitimate?
12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY XXXXX	Web
I demand that the collection agency Ideal Collection service immediately stop reporting to the credit bureaus on a completely fraudulent debt. I am attaching the FTC report. The company can prove that the debt belongs to me only by the fact that they know my name and date of birth, they do not have any other supporting information, as well as my signature on the contract does not match my signature. I have never lived in Florida.
07/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33411	Web
False information was submitted to collection agency of failed payment and items left facility was closed this was in beginning of pandemic know evidence that items trashed was mine my name was not attached to it also XXXX rent was satisfied and received by XXXX the original apartment walk through paperwork indicates all wrong with unit upon moving in please provide management turnover from time I originally moved in
04/27/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	FL 34608	Web
This was not sent in error XXXX XXXX XXXX consumer by law at ang information XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate sXXXX XXXX XXXX Unauthorized use of my credit report. Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
12/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	FL 34772	Web
In XXXX mi exwife rented and aparment in XXXX and we got separated in XX/XX/XXXX, and witch my exwife to out the any right from the aparment, and we got divorced in XX/XX/XXXX, went she move the company never returned the dispoite {$2000.00} dollars she moved to XXXX and bought a house, now after 4 years without any conscta and disclosure of my rights they post in my credit files and collections,
03/31/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 349XX	Web
I am trying to contact ideal Collection Services for the past week. I am trying to move and was advised there is an outstanding balance with the previous apartment complex and ideal is the collection agency handling the debt. I have left message with a XXXX XXXX. This debt is preventing me from getting a new apartment. I would like to handle this issue as soon as possible.
04/21/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 33056	Web
I have a collection that is being reported to XXXX by Ideal Collection Services in the amount of {$9200.00}. This collection is being reported in error. It is a duplicate of a collection that was removed on XXXX XXXX, 2021, for the same amount. They removed the original reporting from all three agencies ; however, the duplicate that was reported to XXXX was never removed.
02/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33021	Web
I am being told i lived at a place called XXXX XXXX by a collection agency called ideal collections, i have lived at the same ady since 2003, i have provided police reports ID utility bill history etc the company wants all my tax returns mulitiple ID 's and my SS card and the credit beurus keep removing this collection then the company threatins me and puts it back on
04/05/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33543	Web
I do not know who these companies are and have never had an account with them. They continuously call and send documents however, these are not companies I have had any agreements with. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX IDEALCOLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX
04/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53150	Web
I have sent in my identity theft packet, police reports and emailed a copy of my ID go the email they provided in their last response. Ive gotten no response to my email, they have everything they require, they are not removing this collection. I have been talking with my business attorney and this is my last chance to them.
08/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL 33351	Web
ideal collection stepped in trying to collect a debt in an inproper matter and not and threatened to take legal action as if it were a suit. when im in a suit with XXXX as the defendant and em as a plaintiff for funds thats owed to me and slander on a contract leased and not delivering agreement back like should.
09/03/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34491	Web
I dispute this account directly to the credit bureaus. I never receive any documents or validation for the collection agency. The first reported on XXXX2019 with the amount of {$5300.00}. XXXX and XXXX they already deleted because no validation. Still waiting for XXXX decision.
10/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60540	Web
I HAVE ACCOUNTS THAT ARE NOT MINE CLOSED AT XXXX XXXX XXXX AND XXXX. I ALSO HAVE A XXXX XXXX COLLECTION THAT IS NOT MINE. FINALLY IDEAL COLLECTION SERVICES ABUSIVELY HAS ACCOUNT THAT I DO NOT OWE WITH MY WIFE AND THEY CALL ME CONSTANTLY AND HAVE EVEN THREATENED ME.
07/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34689	Web
IDEAL COLLECTION SERVICES ACCT # XXXX {$2100.00} ARE REPORTING A COLLECTION ON MY CREDIT REPORT AS WELL AS MY WIFE AND DAUGHTER. I HAVE NO IDEA WHERE THIS IS FROM AND I'VE BEEN DISPUTING IT FOR A FEW MONTHS AND THE CREDIT BUREAUS KEEP SAYING IT'S VERIFIED AS MY ACCOUNT.
05/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33712	Web
I have sent disputes to verify and validate this collection several times. I am a victim of identify fraud which is documented on my credit reports too. This has a collection that does not belong to me and was opened fraudulently I have no knowledge of this debt
03/17/2020	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33026	Web
After a year of vacancy my apartment I received An account on collection from this apartment I never received notification of debt, calls mails or Emails from this lease office to charge me the amount they are doing now This is affecting my credit a lot!!!
09/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	AZ 86004	Web
XXXX Collector is trying to collect from me a debt that does not belong to me. And refuses to remove false information from my credit report. Debt for rent at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, I have never lived at this address or rented this property.
01/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 334XX	Web
This is an alleged debt that is over seven years old ( 2010 ). This company has failed to provide proof of this alleged debt. I have previously disputed it and it has been removed from two of the three credit bureaus. However, it is still being reported.
01/30/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33314	Web
This company name Ideal Collection Services reported to my XXXX credit repot I owed them $XXXX Dollars, I had never have any business with them, and they claim I rented a property in XXXX florida, I have never lived or rented a place in XXXX florida.
03/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53150	Web
I have disputed with this company numerous times. this is my second time sending a complaint to cfpb, the first time they removed it. now they have reported on my credit AGAIN. they have my police report, son, drivers license. they refuse to remove.
01/21/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33169	Web
We gave the landlord the required notice to break the lease early and also forfeited our security deposit, but an outrageous debt amount of {$8100.00} was posted on our credit report for collections without us ever being contacted about it.
03/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33801	Web
I have attempted to settle the debt several times by phone and they refuse to settle or accept any payment other than the whole amount at one time, Ive asked them to send me the documents about the debt and theyve refused.
05/03/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 315XX	Web
I paid this company in accord and satisfaction. The are continuing to report that I owe them a debt, which is deceptive practices. They were paid via money order and U.S. Mail XXXX XXXX XXXX XXXX XXXX.
10/03/2021	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	FL 331XX	Web
The Company is Ideal Collections this is for a charge off collection for eviction that the amount and collection belong to my ex wife and this was part of the divorce and debt that she was to pay.
04/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33026	Web
XXXX XXXX XXXX -tried to dispute inaccurate item Ideal collection service -tried to dispute XXXX XXXXl -tried to dispute credit protection-tried to dispute XXXX XXXX XXXX-tried to dispute
12/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KS 67601	Web
I was contacted by IDEAL collection agency sated I owed a debt when I resided at XXXX. I submitted a copy of the 60 day notice to the apartment complex stated when I was moving out.
09/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33604	Web
This company can not come after me or collect on this debt since the Florida status of limitations is 5 years. This company has gone against Florida collection laws.
04/13/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	PR 00983	Web
The charge does not belong to me and my identity has been stolen. I send the affidavit as requested to Ideal collection services and still have had no response.
03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43615	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
12/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33142	Web
I had a debt and I paid it, I am still reported in the 3 national credit bureaus, I have communicated several times with them and they do not answer me.
10/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 336XX	Web
I have sent a dispute to IDEAL COLLECTION SERVICES regarding account XXXX to removed and delete account XXXX because it was Identity theft.
10/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33813	Web
There is an account that I have disputed and requested validation of and nothing has been received. Please help assist me
08/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33309	Web
Collection account that was settled and paid XXXX of 2020 should has reappeared after agreement was made and satisfied.
07/26/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33323	Web
please review the current fraud account and also the fraudulent inquires also
04/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 240XX	Web
This collection account is not mine. I have no knowledge of this account.
02/08/2024	Yes	Debt collection Rental debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33067	Web

02/07/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	CO 80550	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32819	Web

01/05/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	FL 34287	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 86004	Web

12/14/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 32832	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30326	Web

12/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32605	Web

11/17/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	FL 33313	Web

09/21/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	FL 33765	Web

07/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33311	Web

07/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33616	Web

06/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33311	Web

06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34759	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 Investigation took more than 30 days	FL 32839	Web

05/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33637	Web

03/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32714	Web

03/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33025	Web

01/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33169	Web

01/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33065	Web

01/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33065	Web

12/13/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	FL 33015	Web

12/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07105	Web

11/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33511	Web

11/08/2022	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	GA 30312	Web

10/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33015	Web

10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80011	Web

08/24/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33025	Web

07/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33466	Web

07/18/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33025	Web

07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33971	Web

07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11224	Web

06/27/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33025	Web

05/20/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33782	Web

05/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 31028	Web	Servicemember

04/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33063	Web	Servicemember

04/15/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	XXXXX	Web

04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33426	Web

03/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33029	Web

01/26/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	FL 33054	Web

01/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33323	Web

11/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30134	Web

11/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33330	Web

11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33314	Web

10/26/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32922	Web

10/24/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32922	Web

10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30134	Web

10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33330	Web

10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33314	Web

09/21/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33859	Web

09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33314	Web

08/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33351	Web	Servicemember

08/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77014	Web

07/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33853	Web

07/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75223	Web

06/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33426	Web

06/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33426	Web

05/19/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33859	Web

04/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33023	Web

03/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30067	Web

02/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33647	Web

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33541	Web

12/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MA 02126	Web

11/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34953	Web

11/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70714	Fax

10/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 22116	Web

10/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33404	Phone

10/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33511	Postal mail	Older American

09/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33311	Postal mail

09/08/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33311	Postal mail

04/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33467	Web

09/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33064	Phone

09/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29607	Web

08/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OR 97140	Web

06/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 47876	Web

06/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 47876	Web

06/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Referral

05/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31601	Web

04/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33066	Web

12/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33404	Postal mail

11/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33323	Web

10/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33063	Web

10/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web

09/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34638	Referral

08/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33351	Web

07/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	FL 33073	Web

04/09/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 45426	Web

04/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33027	Postal mail

03/25/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34786	Web

03/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33416	Web

03/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33023	Web

03/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33023	Web

02/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30126	Web	Servicemember

02/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NM 87123	Web	Servicemember

02/08/2018	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 33021	Phone

01/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33614	Phone

12/21/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33409	Postal mail

12/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33170	Web

09/11/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	MD 20721	Web

07/18/2017	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	FL 33860	Web

06/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92822	Phone

06/20/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92822	Phone

06/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92822	Postal mail

05/22/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11207	Postal mail

03/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33467	Web

03/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33065	Web

03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33404	Postal mail

02/18/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	PR 00983	Web

01/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32836	Web

01/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32277	Web

01/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34293	Web	Older American

12/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33054	Postal mail

11/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33681	Referral

10/31/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 11209	Web	Servicemember

08/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32958	Web

09/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33415	Phone	Servicemember

08/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL 32351	Phone

06/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32757	Web	Servicemember