11/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
I have received the first phone call on XX/XX/XXXX, no voicemail was left, but when I tried to answer no one spoke and the call was ended, by the party calling.
on XX/XX/XXXX, I received another call with the exact same thing. I answered no one was there and the call was ended, again by the other party. I called back and a total of 3 times the first two calls I literally could not understand the company they were with as they intentionally rattled it off so fast I could not understand them. No this was not a mistake as it happened 3 out of the 4 times I called. The first person I spoke with said they were trying to reach XXXX XXXX ; I asked if this was an attempt to collect a debt was written notification sent to them. The lady said yes, it was and asked if this was XXXX XXXX. I said I do not verify information, and not to call back. They did not acknowledge I said not to call back they said if they cant verify who they were speaking to they were ending the call. I called back immanently, again could not understand what was being said when they answered the phone. I told them I am XXXX XXXX, they my address, I said I do not verify information, I have not received written notice of an attempt to collect a debt which is a violation of FDCPA of 1977, They were to inform the original creditor, and not to contact me again. I ended the call, but realized I forgot to have them Clearly state the name of the company, as well at get their address, fax, and any other pertinent information. I called the 3rd time, again could not understand what company they were with. The person asked me if I was calling in about my account. I informed them I do not have an account with them, I just wanted basic information. I informed them I was going to turn them in to the CFPB. I was put on hold for about a minute. Then they finally came back on the line and gave me the address. I had to ask for the 3rd time at this point the name of the company.
During any of these calls no disclosures were given ; I was not told this was an attempt to collect a debt, collection efforts would continue, etc.
I called a 4th time to collect information for this complaint. I spoke to XXXX XXXX, He said he would not give me any information about this until I verified who I was, but proceed to tell me I was incorrect out violating the FDCPA, because a letter was sent XX/XX/XXXX. So, not only did they violate it be failing to send me written communication and allow for me to receive it, and he disclosed to me a letter was sent without verifying who I was. Additionally, he told me he couldnt hear me then said I was yelling at him. He also kept talking over me and when I asked him to spell his name, he refused. Because of both of those things I asked to speak to his supervisor. I explained what he had done and she literally said what do you want me to do about it.
Furthermore, I should not have an account with any collection agency as XXXX XXXX owes me {$140.00} and I have attorney representation, additionally if I have any balance with XXXX then the amount they owe me should be used for any outstanding balance.
If this is for XXXX XXXX ; I had just a COVID test ( and a COVID test only ) on XX/XX/XXXX, to which they were attempting to charge me {$250.00} for an out patient procedure, that I spend a majority of it in my car. My other attorney sent them correspondence stating that a COVID test does not cost {$250.00}, and I should not be charged for an outpatient procedure as I clearly stated I was not seeing medical assistance just the test and I was in their facility to just check in, and then receive my results.
But I was not notified until one year and one day after the test, to which my insurance had changed, so nothing else could be processed. I am not paying them because they waited a year to send me a bill, which is there mistake.
|
04/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
First Collection Services continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that First Collection reported this entry to my reports on XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have requested on numerous occasions that this company provide the comprehensive account history for this account ; including but not limited to all invoices, payments, notices, documents that bore my original signature and also any documentation that reflects I allegedly agreed to levelized billing with the XXXX XXXX XXXX. The FCRA provides that utility companies may only provide or furnish information to the credit bureaus if they provided a consumer credit. I also requested the aforementioned request to be honored so that I may ensure the accuracy within the content of the information they were reporting -- no itemized statements nor details to justify the entire amount. Additionally, by them not responding, they did not validate when the account became delinquent? Providing this would prove if the statute of limitations was applicable and their ability to collect on an alleged debt.
Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by First Collection Services. To that end, I sent a letter to them ( see attached ). To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. First Collection Services is unable to provide any documentation because the original creditor received full payment in 2020 for this debt, they are attempting to collect and also placed on my credit reports illegally.
First Collection Services is unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX XXXX. Being this is an alleged utility account, Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. It is obvious that First Collection Services is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, and the mere fact that they have not responded to my previous disputes, I am requesting they cease collection efforts, which continue to diminish my creditworthiness and return this account to the original creditor who has been paid in full for this debt. Additionally, this entry must be removed from my credit reports immediately.
|
04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
First Collection Services continues to blatantly report inaccurate, unverifiable entry ( s ) on my credit report ( see attached ). The alleged entries reflect the original creditor is XXXX XXXX XXXX. The entry on my reports reflect that First Collection reported this entry in XX/XX/2020 on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on these erroneous entries.
My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by First Collection. How so, if a third party collection company may only validate an entry. Only an original creditor may verify and since they are not the original creditor, the mere practice of the them verifying to the credit bureaus in inaccurate and very misleading. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute nor was the mail returned. To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report.
In my first dispute letter to them, I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND.
In my second request, given I never received any notification from them with regard to the first dispute, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the alleged provider of service to release my medical information to them and cease any credit bureau reporting until the debt had been validated by me. They DID NOT.
Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. Prior to reporting any alleged medical entry the XXXX provides a collection company must wait 6 months. First Collection Services has not provided any documentation to prove that they waited a full six months prior to inserting this entry on my report. It is obvious that First Collection Services has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, they must cease collections, return this debt to the original owner since they are attempting to collect on behalf of another company, and remove this entry from my credit report immediately. First Collection Services are diminishing my creditworthiness with their negligent reporting of this inaccurate, unverifiable, erroneous entry.
|
09/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
I recently pulled my credit reports in preparation for going through the process of a XXXX XXXX background clearance with a military special operations unit. On XXXX, XXXX, and XXXX I found a collections account dated XX/XX/2018 for a debt I do not own, and have no knowledge of. It is a rather small amount, but since it is not mine, I am unwilling to pay it out of principal.
I disputed the report with XXXX, XXXX, and XXXX directly. The collections company responded to the disputes back to the Bureaus that it was my debt. I also sent collections company a certified letter directly to their mailing address, signature required, requesting they validate the debt within the time require by law ; the collection agency did not respond to me, or validate the debt. They have recently reported to the credit bureaus, " Account information disputed by consumer, meets FCRA requirements. '' My name is a common one and there are several individuals in this state, and indeed in my very town, that have had problems and are in many court records for debts. The collections company claims I owe a utility bill. However, I was overseas, and did not have any utilities in the state for several years. Further, when I was in the state our utilities were in my spouse 's name, then in a tenants name the entire period we were overseas, then again in my spouse 's name upon our return -- never mine. I have no contracts with the company the collections company claims I owe, and never used my name to open any. I even sent a letter to the utility company in-question asking for them to validate the debt ; they have not responded either. The fact that neither company has attempted to contact me personally, when they should have the very address I live at and supposedly had an account for, is irony at its best. The fact they won't return my requests, is contemptuous and a flagrant disregard for the law.
Please note I can provide copies of my passport that clearly shows I have been out of the country for many years, and only recently returned to the United States on a part time basis.
I have no problem paying for a debt I owe ; I do not owe this debt. I am very much opposed to tactics like this, and how companies can get away with it. Further, this has a direct impact on my XXXX XXXX. In many cases, the expeditious thing would be to pay it. Morally, I can not do that. Thus, for that reason, I will pursue this aggressively.
The agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX
|
04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
FIRST COLLECTION SERVICE Reported : XXXX. XXXX, 2020 {$110.00} There are no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
12/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
We moved from our apartment in XX/XX/2014, we transfer all of our utility and was told by the companies that we were paid up on everything. Apparently we were not-We are in the process of trying to buy our home and we pulled out credit a few months prior today. We found a collection on our credit report from XXXX XXXX XXXX. They placed a collection on our credit in XX/XX/2014 for XXXX XXXX XXXX XXXX. This was a very surprising. We have never heard of this company, nor received paperwork from them or the electric company.
I called and set up payment arrangements with them to take care of the balance, we were under the impression that the account would be removed from our credit report. But the company did not do that-we found out that they re-aged the account to reflect the payments, which made it look like it was a new account on our credit report. My wife tried to call them and she got two different answers from a collector and the supervisor. She was first told that they ( the collection company ) is not reporting the item and they we need to call the original creditor to get it remove. Then the supervisor stated that they report the payments on the credit and will update as need. We told them that we never received paperwork from their company and we were the ones that contacted them- Both the collector and the supervisor didn't have our correct address and we had to correct them twice. The supervisor stated that the company didn't get any returned mail so they are going to keep it on the credit.
This is not right-I didn't know that I could dispute this debt, or have the right to talk to the original creditor. I still don't have a clue what months I was charged for-I didn't even get a chance to pay it and keep it off my credit report ( the supervisor stated that if the account was in there office over 60 days then they report to the credit companies ) When I paid the bill, I was not advised of any of these rights or that paying this account would re-age this account and lower it 25 points.
|
01/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
XXXX XXXX XXXX, XXXX XXXX - VP of Operations XXXX The basis for my dispute required to notify me prior to, or no later than 30 days afterXX/XX/XXXX, 2016 XXXX XXXX XXXX, XXXX XXXX - VP of Operationsfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, XXXX XXXX XXXX, XXXX XXXX - VP of Operations '' failed to give me my " MiniMiranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX, XXXX XXXX - VP of Operations failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the federal reserve XXXX XXXX XXXX, XXXX XXXX - VP of Operations is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )
|
10/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
I have spoke to Both the original company and debt collections agency no less that 15 times and gotten nowhere. I had a balance with XXXX utilities. An account reported to my credit by FCS XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX. I spoke with XXXX numerous times. During those calls they had stated to me that they had recalled and withdrawn FCS, and the account from the collection agency ( FCS ) I paid my balance to XXXX. I had zero dealing with FCS prior to this conversation about this account. FCS had reported to my credit bureau that I owed them the money. I did not. Once the account was withdrawn from them they refused to remove themselves from any involvement. Once I paid XXXX ( whom I owed the money to not FCS at that point. FCS continued to falsely report a collection that I owed them per my credit profile, when it was already paid. They then updated this same collection to read as if I paid them to a XXXX balance. They did not collect it, it was withdrawn from them yet they are still on my credit as a collection company responsible to/or have been to collect monies. I just spoke to them on the phone and they stated that " This is an attempt to collect a debt '' I have no dealings with this company. XXXX has stated multiple times that because I worked with them and not FCS that they would no longer be able to report ANYTHING to my credit and that I do not have a collection with them any longer because it was recalled. I want them to delete it off my credit bureau 's as myself and XXXX has requested. This company who also is using the name ICS Is falsely representing themselves as responsible for, money owed to, or paid to collection agency when none of that is true. The last call I had with them moments before filing this is " that they don't report to the credit agency 's, they as in FCS can't do anything because its up the credit bureaus '' which is a blatant lie because ( its reported on my credit by them ) Thank you XXXX XXXX
|
06/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
I received services from a XXXX XXXX in XX/XX/XXXX. We reached an agreement on XX/XX/XXXX to pay {$950.00} to satisfy the debt. XX/XX/XXXX the debt was paid. In XX/XX/XXXX, I received a collection notice from First Collection Services saying I owed the debt. I reached back out to the company on XX/XX/XXXX, XXXX billing, and confirmed with the company the debt had been settled and the balance is {$0.00}. They sent me a receipt/invoice showing the debt had been paid and that the collection agency would be notified. I spoke with First Collection Service. I had called and spoke with the company several times regarding the debt being paid, who i spoke with, and that the original debtor would be reaching out. I was told by XXXX that it did not matter what the receipt said that the debt was still owed and she would send me the invoices. XX/XX/XXXX they mailed to me letters stating the debt was owed even though I sent them all the information and the original debtor stated they would reach out to their agency. I have this information in emails if needed. I am asking for assistance on helping resolve this issue or guidance or communication from the collection agency as to why I have presented receipts showing the debt is paid, gave them the information of who I spoke with, and that the agency would reach out to them. The collection agency is First Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Again, I am happy to provide all correspondence I have in emails with the collection agency and the original debtor including the notification the debt was paid in XXXX of XXXX. Note that is XXXX XXXX XXXX XXXX almost a year ago. I have also reached back out to the original creditor again for assistance. Let me know if you need all the correspondence from emails, receipts showing paid, an itemized statement from the original debtor showing the account paid and the correspondence from the collection agency continuing to state the debt is owed.
|
11/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
I sold my house in XXXX XXXX, and paid all the utilities in full. That was almost 2 1/2 years ago. On XXXX XXXX XXXX I was forwarded a collection letter asking for an additional {$180.00}, for which I had no clue who the creditor was or why. The collection letter was dated XXXX XXXX, XXXX, but sent to a very old address, and somehow, almost 3 weeks later, I received the collection letter. I asked the collection co to the details of the bill ( aka validation of the debt ), and gave them my correct address. On or about XXXX XXXX XXXX, I received a statement, and although I did n't believe the debt was owed, I agreed to pay it, providing that no adverse reporting to the credit bureaus were made. The rep assured me that it had n't, and that they do not report. I asked if I can call back after I verify my reports. I did verify my report a couple of days later, there was no adverse reporting, so I called the collection company to pay the ( disputed ) debt. I was then told that the day after I called to inquire about the debt, which was within a few days of reviewing the validated ( yet disputed ) debt, that they inadvertently reported negative info to the reporting agencies. I asked to be transferred to a supervisor. Her name is XXXX. She refused to acknowledge the FCRA, which provides me time to request and review an unknown debt. She insisted on NOT removing the adverse and premature reporting, stating that she is going by the date of collection letter which was XXXX XXXX, which I received XXXX XXXX, and the validation was received XXXX XXXX. She is wrong and violated my rights, and the law. I have since paid the bill, in full, and wrote letters to the credit reporting agencies with copies of the dated letters.
The collection company is FIRST COLLECTION SERVICES in Arkansas.
|
03/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
Good morning, I called First Collection Services about paying off a debt. I had a very limited amount of money, so I was trying to see if there was a way to have my debt with this collector reduced, or removed from my credit report. I was advised that I could not get what I was requesting. I was offered to speak with a supervisor if I needed more clarification and to have my questions answered and explained.
I was transferred to a Ms. XXXX. I was trying to gather a few questions. The first being her name. She told me Ms. XXXX again. I asked for clarification on if Ms was her actual name, or her title. She then started to get hateful with me and ask me what I needed. I continued to tell her that I need her to verify her name for me. The then said something along the lines of " Since this call is going no where I'm going to disconnect the line '' She did not give me her contact information, her name, or ANY information that could help me pay my debt. The only information I got from her was her name was " Miss XXXX '' I called back and asked to speak with a " Ms. XXXX '' and was transferred directly to her voicemail that gave me her full name XXXX XXXX XXXX. She was verbally abusive, inappropriate, and offered no assistance with paying off my collection.
I later called back and Spoke with a XXXX that was able to provide ALL the answers to the questions I asked including her Name. She was wonderful, and I paid my full amount with her help.
Date : XX/XX/2020 Amount : {$190.00} Action Taken by XXXX XXXX : Nothing Action Taken by me : I called and spoke with a woman that deserves a raise ( XXXX XXXX and paid off my debt and a reference number
|
05/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
On XX/XX/XXXX I received a Collection Notice from XXXX XXXX XXXX ( " XXXX '' ) alleging I owe {$32.00}. On XX/XX/XXXX I responded to XXXX via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) by sending a Debt Validation Letter. XXXX never responded to my letter ( USPS confirms delivery ). The validation letter disputed the in writing ; the amount of the debt, the creditor to whom the debt is owed, a statement disputing the validity of the entire debt, and a request for the name and address of the original creditor. XXXX failed to respond to the validation request. Now, one year later, XXXX XXXX ( " XXXX '' ) is attempting to collect on the same debt XXXX attempted to collect on. However, XXXX is estopped from collecting on the debt because the debt was never validated by XXXX. Therefore, XXXX is unable to sell, convey or transfer " collectable '' debt when XXXX failed to validate the debt pursuant to a Debt Validation request under the Fair Debt Collection Practices Act. In an abundance of caution I have sent via USPS certified mail a Debt Validation letter to XXXX. XXXX is collecting on an uncollectible debt- conveyed to XXXX by a company with knowledge the debt is uncollectible and unvalidated. The shell game played by XXXX and XXXX continues to cost me time and postage. Please put a stop to this egregious abuse of the FDCPA. Moreover, I disputed this alleged debt with the original creditor and received no response. The alleged debt was first disputed with the original creditor, again disputed with a debt collector, XXXX, and now a third time with another debt collector, XXXX.
|
11/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
First Collection Service of XXXX XXXX, AR is erroneously reporting that a debt I never incurred to XXXX XXXXXXXX XXXX was a charge-off, when it was actually paid in full. This debt was never mine in the first place, and I paid it in full anyway because it had the potential to negatively impact my credit.
This debt was incurred by a tenant I had at a rental property that didn't pay their gas bill, and the debt was ultimately transferred to me as the erstwhile property owner. I didn't know that the debt even existed until it went into collections, and by that point I hadn't owned that property in XXXX years. The attached copy of court records shows that the property was sold in a foreclosure sheriff 's sale, with a certificate of purchase by the new owner filed with the court on XX/XX/XXXX, XXXX years before First Collection Service opened their file on XX/XX/XXXX of XXXX.
First Collection Service is refusing to correct the negative " chargeoff '' status of this debt on my credit report, and have also refused to remove the entry from my credit report overall. This debt was paid in XXXX of XXXX, and they reported this erroneous negative information to the credit bureaus in XXXX of XXXX.
I've called them and told that their policies don't allow them to make these sorts of corrections. The person I talked to said they would put me in touch with a supervisor, but as of yet, I have not received a call back from one.
|
05/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
There is a paid collection listed on my report from XXXX with XXXX XXXX as the original creditor for {$140.00}. I never sent the payment to the collection agency ( XXXX XXXX XXXX ), I paid XXXX XXXX. XXXX XXXX sent me a letter stating that the account was pulled back from the collection agency by them and that the collection agency can no longer report it. I sent proof of the payment and the letter to XXXX, along with the other two bureaus in the form of a dispute letter. XXXX and XXXX deleted the account. XXXX did not.
The FCRA states that information reported must be accurate and complete ; updated and verifiable. It also provides a dispute mechanism initiated by the consumer through the consumer reporting agency and through the furnisher of information.
As detailed above, I have disputed the information for the referenced account, with both XXXX XXXX XXXX and XXXX directly. I have exhausted all recourses provided for resolution of erroneous information and still the information remains on my XXXX consumer report. The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violations of its provisions.
It is evident that the information reported can not be verifed because the payment was not made to XXXX XXXX XXXX, and therefore must be deleted as required.
|
09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
XXXX XXXX XXXX - Balance reported as XXXX starting on XXXX was the collection XXXX XXXX XXXX Balance reported as XXXX starting on XXXX was in collection XXXX XXXX XXXX Balance was reported as XXXX starting on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX starting on XXXXXXXX XXXX XXXX XXXXXXXX Balance was reported as XXXX on XXXXXXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX ACCOUNT NAME UNKNOWN Balance was XXXX as of XXXXXXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX XXXXalance was XXXX as of XXXXXXXX XXXX XXXX Balance was XXXX as of XXXXXXXX XXXX XXXX Balance XXXX as of XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX as of XXXXXXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX XXXXalance was reported as XXXX as of XXXX All of these accounts are listed as MEDICAL accounts at a time in which I had health insurance and I was told that the premiums for each visit would be covered. This information on my report needs to be reviewed because I do not feel that I should be held reliable for these charges. Thank you
|
03/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
On XX/XX/XXXX I recieved a letter from FCS Collection Services in regards to a debt saying I owed XXXX $ to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX myself by phone call on XX/XX/XXXX. I spoke to a XXXX. She confirmed by phone that the equipment I am being charged for was indeed returned and checked in on XX/XX/XXXX. She went on to say that they found after the fact 6 months later that the router I returned was damaged. Therefore they turned me over to collections without even contacting us by mail or phone call first.
I explained when I returned the equipment in person at the office in XXXX XXXX, TX that it was checked in and I was told our bill was cleared.
In fact in XXXX we received a check back from XXXX XXXX XXXX for over payment.
XXXX also did discuss this debt with myself and my wife without giving us a mini miranda and she did confirm phone call was recorded without any knowledge.
She did also confirm that the equipment does travel from their office from XXXX XXXX to XXXX which is around 15 miles. We have no clue what happened to the equipment once it left our possession. It was checked in bill was cleared we even received money back and have not heard from XXXX XXXX XXXX since. XXXX did also confirm on phone that they just pushed it straight to collections without trying to bill us or contact us first.
|
10/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
This company only sent me 2 letters of collection. They stated they tried to call me but they did not leave any voice mails. FCS took over my bill from XXXX and XXXX in XXXX of XXXX. They did not tell me I must make {$25.00} a month payments for them NOT to report this an as unpaid collection item on my credit report. I did contact the company in XXXX trying to settle for a lesser amount they would not accept, telling me that was insurance fraud. All this time I made {$20.00} payments each month on or about the XXXX. I have made several attempts to talk to the supervisor XXXX XXXX XXXX, she will not return my calls. My credit score took a 100 point hit. I find there way of business to be shameful. I'm a lender at a bank myself, we do not treat customers this way. Especially when they do try to pay there debts. I have rights under the fair credit reporting act, this was unfair treatment along with unfair reporting. I did tell the company in one call that I could only make the {$20.00} payment due to helping my parents, because they lost some income due to Covid-19. I am a single mom, trying to raise a daughter, pay my bills and help my parents, they should have some leniency through such a difficult financial time as we are facing now.
|
04/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
XXXX XXXX XXXX {$530.00} There is no valid claim, no contracts exist ... account was settled with original creditor and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ).
Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
|
04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
First Collection Services sent me a collection notice issued : on XX/XX/XXXX. I received the collection notice via USPS on XX/XX/XXXX. I responded to the letter on XX/XX/XXXX. I spoke with an agent who informed me that the collection would not be placed on my credit report as long as my payments stay current. I set up an automatic monthly debit in the amount of {$25.00} on XX/XX/XXXX. The first payment was debited on XX/XX/XXXX. The second payment was debited on XX/XX/XXXX. No payments have been missed The collection showed up on all three credit reports ( XXXX. XXXX and XXXX as an " Open Account '' ( it is not or it would not be in collection status ) I received paperwork from the collection agency that if and only if I fall behind on payments that I have not fallen behind on payments, First Collection Services is reporting erroneous information ( lying ) about the debit and reporting the incorrect amount of the debt owed. This has to be illegal. After viewing my credit report, I contacted First Collection again on XX/XX/XXXX and the agent informed me that I would just have to deal with it and that this is how business is done.
|
06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I am writing to address the collection account reported by First Collection Servs on my credit report. It has come to my attention that there is a collection account associated with my name, and I have reason to believe that the accuracy and validity of this account are questionable. Upon reviewing my credit report, I have identified the presence of the collection account in question. However, I have no knowledge or record of any outstanding debt owed to the creditor listed on the account. This discrepancy has raised concerns regarding the accuracy of the information being reported. I hereby request that First Collection Servs conduct a thorough investigation into the validity and accuracy of this collection account. I kindly ask for the provision of supporting documentation and evidence that substantiate the legitimacy of this debt, including the original creditor 's agreement, a detailed account statement, and any other relevant information. It is important for me to ensure the accuracy of my credit report, as it directly impacts my financial standing and opportunities.
|
09/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
A man named XXXX called my company and said he was with XXXX XXXX XXXX and was trying to collect a debt on behalf of XXXX XXXX ( an advertising agency we use ). He said our company owed {$680.00}. I told him I would look into the matter and call him back. He told me to call him at XXXX. After finding that all invoices had been paid and all checks had cleared, I got suspicious and XXXX the phone number. I saw that others had reported it as spam and even mentioned a XXXX calling them.
I then XXXX XXXX XXXX XXXX and called the phone number listed on their website. I was told they do handle XXXX XXXX 's accounts and put me in touch with a representative named XXXX. She said our only balance with XXXX XXXX is {$190.00} and that it is still current. I asked if a XXXX worked for them and she told me there was a XXXX there but she didn't know why he would have contacted me about a past due balance.
I do not feel that XXXX XXXX XXXX has done anything wrong, but that someone is using their business name to get credit card information.
|
07/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
I contacted this company several months ago through a XXXX complaint after they reported on my credit report a debt that was unknown to me that I have never previously been contacted about. They never sent me the initial letter stating what it was or how much was owed, or my rights to dispute, etc. I waited months and never heard back from this collection agency until I received a letter in the mail from them today, still not showing any debt or original creditor, but what I need to send in. I have already sent this information to the credit bureaus and they have previously blocked the other collection agency who was reporting this fraudulent account until this company purchased it.
I am now fed up with their debt collection practices, I still do n't know what the debt is for, how much, etc. I know it is not mine, because I never resided in XXXX XXXX. I 'm at my wits end with this company, either they remove it or I 'm going to sue them for violation of debt collection practices. You need to investigate this company!
|
06/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
First Collection Services is aware that this alleged debt is the result of identity theft and still asked me to pay on this debt and still attempted to collect as well as report in my credit report. They have investigated this account and have not correspondent with me anymore. I have recently sent a cease and desist along with a notice stating I am disputing the validity of this debt on XX/XX/2021. XXXX XXXX of First Collection Services responded by stating they will no longer communicate except as allowed by law. But the law doesn't define specific communication just that if a consumer asked a debt collector to cease communication they must cease all communication. I also sent over that I am disputing this debt and that I was requesting an audit trail pursuant to federal rule which I did not receive. Because First Collection Services has ignored my right to dispute the validity of this debt I am asking the CFPB to step in and help enforce the law and my right.
|
12/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
I was called multiple times, approximately in XXXX of this year ( 2015 ) by First Collection SVCS. I spoke with representatives, who told me I had an outstanding balance with XXXX XXXX XXXX and XXXX for {$610.00}. I was unsure of the accuracy of this claim, and advised them to please send me documentation to my address at the time XXXX XXXX XXXX, XXXX XXXX CA. I never received such documentation. They continued to call, and a week later, I mentioned again to please send documentation, yet such paperwork did not arrive at any point. I had the displeasure of seeing on my credit score today XXXX/XXXX/2015, a derogatory mark for the {$610.00}. Because I never received documentation at my current address or address listed on my drivers licence to prove that this company even existed or that my outstanding debt existed, I am submitting this claim. Thank you for taking the time to read my issue and I hope we can work together to get this sorted out.
|
08/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
First collection svcs/ICS account : XXXX, created XX/XX/XXXX, amount {$300.00}, for XXXX XXXX - this account was disputed and deleted ( XXXX XXXX ). First collection svcs/ICS account : XXXX, created XX/XX/XXXX, amount {$300.00}, for XXXX XXXX - this account was disputed but still remains on my credit report ( XXXX, XXXX ). Both accounts are for the same bill, with different account numbers created by the collection company. Also, the account created XX/XX/XXXX was deleted before the XX/XX/XXXX ( XX/XX/XXXX was created/reported first ), but not deleted, which does not make sense. The account XXXX should be deleted as well. The collection company is creating false misinformation because their numbers and dates are all mixed up. At the time I received the hospital services, I was 100 % covered under a hospital financial program, which covered all bills incurred. I have attached files from credit report and hospital letter.
|
11/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
I do not have the exact date but know it was between XX/XX/2020 to XX/XX/2020. I recvd a call from FCS located on XXXX XXXX in XXXX XXXX, Ar. ( I know because I am their XXXX XXXX ) I refused to verify any of my info the rep asked for due to the fact, i know their telephone number and specifically because twice, the Rep said I am calling from XXXX, NOT FCS but XXXX twice! This from the get go is extremely deceiving! To me it seemed the rep either covered the speaker or muted the call at the part of S of FCS on purpose!!!! Not one but twice! I am assuming that she knew me or of me XXXX XXXX and dis not want me to know it was FCS XXXX XXXX XXXX!!! This company records down to your XXXX XXXX numbers so I am certain they have this call recording!!! I do not want these folks contacting me!!! If they need something they can just sue me and I will deal directly with the court system!
Thank you!
|
07/02/2016 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
They have done several of the above including but not limited to : Continued attempts to collect debt I do not owe as debt was paid or debt is not mine. All my debts for any XXXX work were paid in full by myself and my insurance. The only XXXX I have used was over 4 years ago. This company put on my reports that I have a open account currently it opened XXXX 2016, it is a flat out lie and falsifying information or they have the wrong person.
Disclosure verification of debt, I did not receive any letter with my right to dispute, they put it on my credit report and I had not idea of the allaged debt, I wrote them a letter and it was certified and they did not respond with enough information or what the debt is owed for or when it was allegedly late or not paid.
False statements or representation : They are attempting to collect a wrong amount as all my XXXX bills have been paid in full.
|
01/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I had to part ways with the University XXXX XXXX back in XXXX XXXX and was being charged for XXXX XXXX accomodations. They removed the charge upon looking into my account but failed to also remove the {$150.00} associated late fee with that charge. I have since received voicemails from the schools Treasury department stating that I do not owe this money. I've repeatedly tried to contact First Collection Services ( FCS ) and they never answered and only got back to me after I left an intentionally vague voicemail, during which call I informed them they needed to confirm the validity of the debt, since I do not owe it, and they assured me they would call the University and look into it. They have since continued to send me increasingly threatening letters attempting to coerce me into paying a debt I don't owe, backed by seemingly active efforts to not answer their phone.
|
09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
|
12/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
currently on my personal credit report i have a charge from XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , Illinois , XXXX. This company which specializes in debt collections is alleging that i owe XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$240.00} from XX/XX/2017, i have NO contracts with XXXX & XXXX i currently rent and the owner has been paying XXXX XXXX XXXX i have no contract with XXXX XXXX XXXX nor do i have a contract with ICS. Further more ICS has not shown me any proof in writing, they have never contacted me about this issue. i have already made disputes with my credit monitoring bureaus and i am making sure this is taken off of my credit report as i never opened any accounts with either XXXX XXXX XXXX or ICS, this is basically fraud.
|
03/17/2023 |
No |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
First collection services has been placed my account from a creditor. I have received a letter stating to send payments to the original creditor. I have been sending what I am able to afford and I reported this information to the collection agency as well before XX/XX/23. They have notated this in the account on their end that I am making payments towards the balance but they kept calling me. I asked to speak to a supervisor but at first the supervisor never wanted to speak with me but through an instant message with the agent. I demanded to speak to the supervisor and when I did she proceeded to tell me that they never agreed upon this amount and that I better pay more per month. Worst company ever! I will report this to the original creditor as well
|
05/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
XX/XX/2019 I noticed a new collection account on my XXXX credit report. Account name is FIRST COLLECTION SVCS stating a debt all of the sudden out of nowhere for {$320.00}. Also on XXXX as Account name ICS. Both stating original creditor to be XXXX XXXX XXXX. I do not owe said bill, I have no outstanding utility bills. I disputed the collection stating " no contract, no validation of debt ''. Dispute is complete and item was not removed nor anything showing this was my debt. I have left voicemails to collection company. I do not understand how this utility bill they state it is from can show up out of thin air all the sudden when i do not have any past due items, especially and confidently Utilities ...
|
03/12/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
On XX/XX/2019 I contacted XXXX XXXX XXXX to discuss a utility bill I saw that they were collecting on listed on my credit report. I have never received anything in the mail in regards to this account from First Collection Services. I spoke to XXXX who was very rude, he did not read the XXXX XXXX, just said " we are discussing an account that you owe money on '', he never verified who I was just rattled off the information on the debt. I asked about settlement and he said XXXX does not do settlements, that I could offer something and they could see what the client ( XXXX ) said. He then informed me that I could go to jail if I did not take care of this debt. At that point I hung up.
|
10/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
We have received repeated calls from XXXX, formerly the XXXX pages over the past couple years. They claimed we owed them money that we do not in fact owe. Recently they have submitted our information to some other company that refuses to tell us the name.
We get calls from XXXX daily asking to speak with the business owner. When you tell them the business owner is not available, they ask to leave a message.
On XX/XX/21 I took a call from XXXX and she told me that the call back number was XXXX. They will never tell me the name of their business.
When they have spoken to the owner, they claim to be attempting to collect the debt from XXXX.
|
06/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
FIRST COLLECTION SERVICE XXXX Opened XXXXXXXX XXXX XXXX Balance {$180.00}
|
01/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
After sending the FTC report of identity theft in XXXX, XXXX, XX/XX/2021 FIRST COLLECTION SERVICES sent me a letter on XXXX XX/XX/2021 saying that they are refusing to remove the collection for XXXX XXXX Gas and Electric. They then threatened to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of 20 to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion.
|
01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
THIS IS NOT A DUPLICATE!!!!
First collection services has broken the law due to obtaining my non-public personal information. I XXXX XXXX has never done business with First collection services. First collection services is a nonaffiliated third party trying to collect an alleged charged off debt. You can not collect on a cancelled debt and if you do so it is in fact tax fraud. You're also furnishing this alleged debt on my consumer report. You do not have permissible purpose to do so being that the alleged debt was in fact purchased and you do not have my consent to furnish anything on my consumer report.
|
05/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
The XXXX time they called, I was told I could make monthly payments on an outstanding bill. The lady was polite. She asked me when I could make a payment. I told her it would be the XXXX of XXXX when I could make the XXXX payment. I sent the payment. Since then they have called repeatedly every day. I have answered a XXXX of times but the caller would just hang up or I would just hear music. They use several different numbers to call. I have gotten to the point where I will not answer these calls. It is annoying and harassing because I am set up on a monthly payment plan and they need to stop calling me.
|
04/28/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
XXXX XXXX -- Created a Collection account. {$320.00} past due as of XXXX XXXX.
This was sent to FIRST COLLECTION SVCS I've contacted FIRST COLLECTION SVCS -- and they told me to contact XXXX XXXX.
XXXX XXXX has not returned my calls. Further I have a statement on my credit report to _call_ my personal number before opening any accounts. This is due to prior identity theft that is also listed on my credit report.
XXXX XXXX allowed a fraudulent account to be opened in my name and then sent the unpaid debt to a collection company without seeming to verify anyone 's identity.
|
10/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I have been actively trying to fix my credit for quite a few months now. It has been brought up on all 3 of my credit reports ( XXXX, XXXX and XXXX ). I have sent letters to the credit bureaus about the incorrect information in which they responded that my dispute was denied. I have filed a police report with my local Police Department as it is identity theft and I am now currently contacting each creditor to have the false information corrected on my credit reports, I was given the advice to file a complaint and will be sending a copy of complaint to each creditor as well.
|
02/23/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX XXXX and U.N.C.I.T.R.A.L Conventions.
|
08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Upon reviewing a recent copy of my credit report and becoming a victim of identity theft, I've noticed several violations of the FDCPA and FCRA one obvious which clearly has TWO DIFFERENT COLLECTION AGENCIES ATTEMPTING TO COLLECT ON THE SAME DEBT WHICH are both IC Systems and First Collection Services are reporting on my current credit report for an fraudulent established medical account from a company named XXXX XXXX. This is unacceptable and violates the Fair Credit Reporting Act and both accounts should not only be removed due to fraud, but of duplicate reporting.
|
12/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I HAVE NEVER HAD AN XXXX XXXX ACCOUNT EVER. I HAVE XXXX XXXX. THE ACCOUNT REPORTING DOES NOT BELONG TO ME AND I HAVE NEVER AUTHORIZED ANYONE TO OPEN AN ACCOUNT IN MY NAME. NOR HAVE I EVER LIVED AT THE ADDRESS ATTCHED TO THIS ACCOUNT. I FILED A COMPLAINT WITH ALL 3 CREDIT AGENCIES BACK IN XX/XX/2017. THIS IS THE ONLY CREDIT AGENCY THAT STILL HAS THIS INFORMATION ON MY CREDIT REPORT. THIS HAS A NEGATIVE INPACT ON MY SCORE AND BY LAW SHOULD BE REMOVED BECAUSE ITS NOT MINE. IVE HAD XXXX XXXX FOR OVER 7 YEARS. PLEASE REMOVE THIS ACCOUNT AND THE ADDRESS FROM MY REPORT.
|
09/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
In response to your correspondence, YOU ARE IN VIOLATION OF 15 USC 1692c due to the fact that you did not receive written/verbal consent from me XXXX XXXX the consumer.
Pursuant to 15 USC 1692g You did not VALIDATE the debt.
You are in VIOLATION of 15 USC 1692f ( 8 ) Your Logo is enclosed on the debt collection letter You Are in VIOLATION OF 15 USC 1692 due to violation of my privacy You are in VIOLATION of 15 USC 1692b ( 2 ) for stating that you are IN FACT A DEBT COLLECTOR You are also in VIOLATION OF 15 USC 1692e ( b )
|
08/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
FIRST COLLECTION SERVICES is in violation 15 usc 1692c due to sending a debt collection statement to my home without my consent. Pursuant to 15 usc 1692a ( 6 ) FIRST COLLECTION SERVICES are debt collectors.
This company is also in violation of 15 usc 1681 ( 4 ) They did not exercise their grave responsibility with fairness, impartiality, and a respect for myself the consumer or my rights to privacy.
They are also in violation of 15 usc 1692e ( 16 ) 15 usc 1692e ( 2 ) 15 usc 1692b ( 5 ) 15 usc 1692b ( 2 ) etc
|
03/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
I recently received a notice that I ower XXXX to first collections services for a debt to XXXX XXXX. I called and they say it is for an electric bill for a residence in XXXX, MI. We have never had a residence in Michigan. The debt is not ours. We were told to file a police report. I am XXXX XXXX military getting ready to XXXX tomorrow and I am stationed overseas so I only have access to on base police. I will file a report once I am back from XXXX but I would like this removed from my credit reports now.
|
04/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
First Collection Services located at XXXX XXXX XXXX XXXX in XXXX, AR. XXXX is refusing to remove collection activity that was placed on my credit report. Payments was made directly to and accepted by the XXXX XXXX XXXX XXXX XXXX. First Collection Services did not accept any form of payment for either of the two accounts.
These two collection activities reported by First XXXX Collection Services should be removed from my XXXX, XXXX, XXXX and any other credit reports, as they did not accept payment.
|
01/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
I have now told this company 3 times to cease all communications and they still continue to contact me. Todays phone call after telling the rep today No Further Contact he proceeded to state " Okay, did you want to set up payment arrangements today '' after asking to speak to a supervisor he claims they are all busy. Did not know or understand the FDCPA laws, I have been a collection agent and had to do two weeks worth of training and my current job we do it twice a year to review so we all know it.
|
04/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
I sold my business, XXXX XXXX XXXX XXXX on XX/XX/XXXX. First Collection Services has been calling me countless times this year about a bill due to XXXX XXXX advertising.
I explained that I sold the business and four people I talked to gave me the name of someone who signed the contract that 1. is not me 2. was signed a year after I sold the business.
I have explained this many times and they have called me on XX/XX/XXXX XX/XX/XXXX XXXX, XXXX and XXXX and left messages in spite of my explanation.
|
03/12/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
i have been dealing XXXX XXXX and XXXX XXXX XXXX for almost 2 years with their threats and false credit reporting, i have no contracts with XXXX XXXX XXXX they have sold a debt in my name to XXXX XXXX XXXX and the collection agency is sending me intimidating mail, they refuse to hear my contest to this debt, this debt is not valid they allege i opened an account in XX/XX/XXXX. i had an account with XXXX XXXX XXXX and i closed the account in XX/XX/XXXX i paid off the account and closed the account.
|
01/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
I took sick in XXXX of 2021 and had to go to the emergency room twice. I do not have insurance at the time so I had over XXXX in medical bills. I applied for financial assistance through the hospital and was approved for assistance.
I then sent copies to the different companies that were trying to collect money for the bills as well. My debt is paid but they will not remove them from my credit report because " charity '' paid the bill. This has caused my credit score to drop over XXXX points.
|
11/30/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't and never ever sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
|
02/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
My name is XXXX XXXX XXXX and I don't have any form of contract or agreement to FIRST COLLECTION SVCS ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX. I have been sending written letters to XXXX about this matter but they are still neglecting my request of getting it removed. Also, I have asked for some copies of any signed agreement between me and XXXX XXXX XXXX but until now, I got nothing. This is a serious matter for me and XXXX and the furnisher should take this complaint seriously.
|
06/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
XXXX XXXX has harassed my company with asking for payment in the amount of {$210.00} for advertising not approved by me, the owner. After months of calls asking for payment and myself refusing to pay they have now filed a collection notice through First Collection Services with the creditor account number XXXX. Our rural area does n't even have XXXX. The collection notice as a date of XXXX XXXX, 2017 and asks for checks payable to XXXX, XXXX. XXXX XXXX XXXX XXXX, IL XXXX
|
08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. Please help me resolve this issue as it should not have been on my report to begin with but i agreed to pay it and not fight it only because they agreed to remove it.
|
07/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
I sent them a dispute letter with tracking on XX/XX/2023. They have ignored the letter and apparently refused to sign for it.
This is the third dispute letter I've sent about this debt and the third one that's been summarily ignored. They need to desist collection tactics immediately.
Among those collection tactics, they called the owner of the company I work for, on her work phone, and told her I owed them money. These people really need to be out of business.
|
04/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
XXXX telephone company over charge me I told them I didn't want the internet service anymore and to come at there equipment I had unlimited data and they charge me XXXX dollars for one month they sold the account to a collection agency called XXXX XXXX XXXX I tried to explain and they want the same amount I don't owe them nothing we never had a sign contract so they report it to my credit I never received a letter say that they have sent it to collection agency
|
08/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
XXXX took an easy route and transferred my tenants debt to me, the landlord.
I have tried and tried and after even confirming with XXXX themselves that the debt is not mine and that XXXX XXXX would pay, they still put the debt in collections.
When I called XXXX they tell me to call collections. When I call collections they call me to call XXXX.
I e sent all documentation to clearly show this is not my debt. Yet they still want me to pay.
|
12/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The XXXX Credit Bureau is reporting inaccurate information on FIRST COLLECTION SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
07/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
Received a collection notice from First Collection Services ( " FCS '' ) on an old XXXX Internet/Phone bundle account that was discontinued XXXX, 2015.
I sent my XXXX 's final bill to FCS as proof to show that there is no balance due on that account and that no money is owed.
FCS however disregarded the furnished evidence of absolute facts, but rather chose to validate the charge on outdated information obtained from XXXX.
|
06/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
I received a bill from XXXX for payment I called XXXX and made a payment plan with them. The collection people were also calling me about the payment. When I made a payment plan with XXXX there told me that the collection people will stop calling me. I paid the amount in full and now this month the collection ( First Collection Svcs ) put the collection on my credit report which has an negative impact on my credit score.
|
08/19/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I spoke with a representative on XX/XX/2019 about this collection on my credit report, and I explain to her this was not my gas bill with XXXX XXXX XXXX XXXX I sent a Certified letter on XX/XX/2019 to First Collection Services asking for Validation and documention proving this was my account. I HAVE NOT RECEIVED ANY RESPONSE FROM FIRST COLLECTION SERVICE. I'm attaching a copy of my ID with my past and correct residents.
|
06/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
FIRST COLLECTION SVCS reported to the credit bureaus a debt that was involved in identity theft and fraud. They never sent a notice to me by mail of this debt which I know nothing about instead they went ahead and reported it to the credit bureaus without proper notice which in itself is a violation under the FCRA and FDCPA.
They can retrieve the police report Police Reports REPORT NUMBER : XXXX-XXXX
|
07/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
Was notified by a rep. from First Collection Services XXXX XXXX stating I owed a debt XXXX. I disputed the validity of this debt and the rep stated the debt could be settled and would call me back with a offer at a specfic time and to have my debt card information available. I recieved a call from a four digit number XXXX at the said time. I refused the call and recieved more calls from the same number.
|
06/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
FIRST COLLECTION SVCS violated the the governed laws under FCRA 611 ( a ) ( 5 ) ( B ) by reinserting a previously deleted debt that was due to fraud and identity theft they failed to send any proper notice within 5 business days of reinserting the debt back to the credit bureaus. I am now filing a complaint with the CFPB for this violation as this is a willful and direct act of breaking the law.
|
08/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
On XX/XX/XXXX I received a letter from First Collection Services, XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX XXXX. Ref # XXXX from XXXX with acct # XXXX. They attempted to collect {$180.00} saying XXXX filed this. I contacted XXXX and talked to XXXX. This was for a house I sold XXXX 2021, XXXX XXXX XXXX, XXXX, MO XXXX. XXXX said this debt was paid and they did not turn me over for collection.
|
03/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
My complaint was directly with the credit bureaus who have my address and should have confirmed that the bill in question has a different address than mine, but across the street.
My previous address was XXXX XXXX XXXX, XXXX. IL XXXX and the bill was addressed to XXXX XXXX XXXX, XXXX, IL XXXX. I want this bill resolved and removed from my credit file.
The bill is a whopping {$2700.00}!
|
01/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
This number keeps calling me repeatedly. They do not leave voicemails. With the amount of scams going on, I do not answer unknown numbers. This traces back to a debt collection agency. If this agency has a valid debt for me, Id prefer that they contact me about the debt via mail or email so that I can properly vet. Until then, I do not believe in answering from unknown numbers
|
06/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
To whom it may concern, I am writing to delete the following information in my file : FIRST COLLECTION SVCS XXXX It shows that this account was opened in 2020. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
|
11/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
On XX/XX/XXXX, I provided First Collection with a certified letter requesting validation of debt. They removed the collection account from my credit report on XX/XX/XXXX. On XX/XX/XXXX, First Collection reported the account again on my credit report. This has continued since XX/XX/XXXX, First Collection removing the account and re-adding the account without validation.
|
11/24/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
callback number XXXX called from XXXX got a message from " XXXX '' from unidentified business speaking of a " financial matter. '' didn't say anything about the business she was calling ( mine ) or the business she was representing. this scam dates as far back as 2017, clearly nobody has any intention of putting a stop to it.
https : XXXX? XXXX
|
08/02/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
My husband worked for he's properties untill XX/XX/XXXX of this year. However when he left one property for another, they added a false collection to our account as " pay back '' for their lost worker ( my husband ). They have no lease or contract that proves any ownership of the debts they claim we owe, nor has a judgement ever been ordered.
|
10/23/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
I have a collection of {$640.00} that is a duplicate on my credit report across XXXX and XXXX with two seperate collection agencies and I would like to have the duplicate deleted so I know which one to pay. The collection agencies First Collection Service on XXXX and XXXX with XXXX are both claiming the debt owed to XXXX XXXX XXXX.
|
11/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I have tried validating this debt with First Collection Services ( acct # XXXX ). According to the Fair Credit Reporting Act, they are required by federal law to verify, through the physical verification of the original signed consumer contract. This company failed to present this information and is still reporting this account.
|
11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
I've reviewed a copy of my credit report and I see there is a collection item listed that I'm not aware of. I attempted to contact the collection company on XX/XX/2021, and request verification and I received nothing back. I understand that this is a violation of 15 U.S. Code 1681I ( A ) ( 1.A ) and need to have account deleted.
|
05/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
My brother passed away & his mail was forwarded to me. Collection agency ( admittedly ) cross-referenced his name with my address and put one of his debts on my credit report as a collection. I demanded that they remove it, but it is still there as a 'past ' collection. I reported it to the IL AG and she has n't heard anything.
|
07/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I was contacted by this debt company for a debt I had no knowledge of, I explained to them I did not have any knowledge of the debt in question. I also verbally and in writing disputed the debt in question. They are still attempting to collect this fraudulent debt, and reporting this to all XXXX credit reporting agencies.
|
07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.
|
03/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
The company First Collection Services have contacted me in regards to attempt to collect a debt that I dont owe to them. I XXXX XXXX is the original creditor who didnt sign an documentation with FIRST COLLECTION SERVICES and have no knowledge of an account with them and dont owe them anything.
|
11/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
The debt in question was court ordered to be paid by my ex-wife, XXXX XXXX because she was the one living in the house, not me. I do not owe this debt, nor did I use any of the electricity I am being billed for. You may contact the XXXX XXXX Court house in XXXX Ohio to verify this information.
|
11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
Good afternoon my name is XXXX XXXX and i received a texas gas letter that i need to pay {$430.00}. They used the address that im leaving in XXXX XXXX XXXX XXXX XXXX XXXX I never have no one permission to use my personal things im reporting this because i dont need to pay that amount
|
12/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
I received a collection notice from FCS First Collection Services for XXXX ( XXXX ) for {$260.00}. I have n't been operating my business for the last 3 years. I regularly advertised with XXXX XXXX while I had my business and paid that bill monthly. I never advertised with XXXX.
|
04/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
XXXX XXXX XXXX contacted me by mail about an alleged debt i owe to XXXX XXXX XXXX in XX/XX/2018. I responded by certified mail asking for validation of said debt and that all correspondence be sent in mail, they have called me without validation of said debt.
|
10/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
I paid my bill in full. The collections was deleted from my report but still remains on my report as a reason to why my credit score is still lowered. I was told when I paid in full it would be removed from my credit report and increase my score.
|
01/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
XXXX XXXX XXXX say that I owe them XXXX places on XX/XX/2016 for a dept from XXXX XXXX. I never owed XXXX XXXX for that amount and when I tried talking to them they would never tell me what the dept was for and how it came about.
|
07/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
I've asked First Collection Services XXXX XXXX to remove this account. I have paid the amount directly to the original creditor. I have received the run around. This is pulling down my XXXX XXXX. I've attached the paid documents.
|
05/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
01/14/2020 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I moved from XXXX to XXXX in XXXX in XXXX i received a bill. This is incorrect. It took them two years to process this and send me a bill all my mail was forward in XXXX.
|
07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
I moved from XXXX over 2 years ago and was never notified I had a bill that was pass due. From my knowledge I paid the last bill before I relocated to XXXX.
|
12/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
XX/XX/XXXX Debt collector is wanting me to pay for XXXX for unknown service for my previously brankrupted company ( XX/XX/XXXX discharged )
|
07/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
COLLECTOR IS COLLECTING A DEBT DISCHARGDED IN XXXX XXXX, CEASE AND DESIST COLLECTIONS AND CEASE COMMUNICATIONS
|
08/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you instead of your attorney
|
|
Web |
|
COLLECTOR FAILED TO CEASE COMMUNICATION AND CEASE AND DISST COLLECTION
|
01/12/2024 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
12/26/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
11/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
09/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
09/05/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
08/29/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
06/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
06/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
06/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
04/26/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
02/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
01/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
01/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
12/20/2022 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
12/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
08/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
07/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
07/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
06/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
03/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
03/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
02/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
01/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
12/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
07/23/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
06/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
05/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
04/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
01/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Phone |
|
|
10/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
09/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
09/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
05/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
02/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
12/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
10/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
09/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
08/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
08/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
06/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
06/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
05/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
04/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
02/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
12/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
11/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Older American, Servicemember |
|
11/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
11/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
10/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
08/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
07/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
05/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
01/13/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
11/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
10/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
10/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
09/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
05/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
05/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
04/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
04/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
02/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
12/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
10/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
07/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
03/17/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
03/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
03/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
12/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
11/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
11/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
11/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
08/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
08/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
06/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
03/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
03/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
03/13/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
02/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
02/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
02/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
12/15/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
12/12/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
12/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
11/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
10/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
10/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
07/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Referral |
|
|
06/13/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
04/10/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Referral |
|
|
03/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
01/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
12/09/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
11/19/2013 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
11/12/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
11/05/2013 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
10/31/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
10/01/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|