JDJ Investments, INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/18/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70360	Web
To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
02/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 71457	Web
I WILL BE MOVING FORWARD WITH LEGAL ACTIONS AGAINST CBS. THE GROUNDS OF THIS DISPUTE WITH SAID COMPANY CBS COLLECTIONS WAS THAT YOUR COMPANY WAS SUPPOSED TO NOTIFY ME OF THE DEBT THAT YOU ALLEGED I OWE. WHICH CBS COLLECTIONS FAILED TO NOTIFY ME ABOUT REPORTING DEROGATORY INFORMATION. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( 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 ) ( 1 ). which i am sure your legal counsel will agree that CBS collections did not do. Lets also not forget that CBS COLLECTIONS broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were NOT met. IN MY DECLARATION i asked for validation of debt and DID NOT receive that. CBS COLLECTIONS '' failed to give me my Mini-Miranda five days before 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 LA allows treble damages. Under 809. 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 XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well. CBS COLLECTIONS is held liable as well for defamation and in the state of LA a creditor is who collects their own debt is considered a debt collector under FDCPA. OBVIOUSLY CBS COLLECTIONS is not very proficient in the rules of evidence. I NEVER received DOCUMENTATION. there is no contractual agreement that i owe any alleged debt to CBS collections. THINGS THAT A DEBT collector MUST do is offer proof of the debt as owed by providing copies of the signed intrument or judgment from the original creditor. XXXX, FTC informal staff opinion letter, XX/XX/XXXX. See XXXX XXXX XXXX XXXX XXXX XXXX 493 F. Supp. 701 ( D.N.D. 1980 ) ; XXXX XXXX XXXX, 950 f.2D 107 3D cIR. 1991 ) ; XXXX XXXX XXXX XXXX XXXX XXXX , Inc. 943 F.2d 482 ( 4th Cir 1991 ), et seq. 2. I am sure that your legal counsel will agree that CBS collections have violated multiple of the above stated laws. IF CBS collections continue collection activity with not shown me ANY PROOF that i was served my Mini-Mirandi rights, i will be pursuing LEGAL ACTIONS AS WELL AS FILING A REPORT WITH THE LOUISIANA ATTORNEY GENERALS OFFICE. I HAVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMMISSION ref # XXXX AND the XXXX.
02/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 71457	Web
THE GROUNDS OF THIS DISPUTE WITH SAID COMPANY XXXX COLLECTIONS WAS THAT YOUR COMPANY WAS SUPPOSED TO NOTIFY ME OF THE DEBT THAT YOU ALLEGED I OWE. WHICH CBS COLLECTIONS FAILED TO NOTIFY ME ABOUT REPORTING DEROGATORY INFORMATION. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( 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 ) ( 1 ). which i am sure your legal counsel will agree that CBS collections did not do. Lets also not forget that CBS COLLECTIONS broke commercial law under XXXX XXXX that all notices were timely and properly given by dated certified mail receipt. They were NOT met. IN MY DECLARATION i asked for validation of debt and DID NOT receive that. CBS COLLECTIONS '' failed to give me my XXXX XXXX days before 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 LA allows treble damages. Under 809. 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 XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well. CBS COLLECTIONS is held liable as well for defamation and in the state of LA a creditor is who collects their own debt is considered a debt collector under FDCPA. OBVIOUSLY CBS COLLECTIONS is not very proficient in the rules of evidence. I NEVER received DOCUMENTATION. there is no contractual agreement that i owe any alleged debt to CBS collections. THINGS THAT A DEBT collector MUST do is offer proof of the debt as owed by providing copies of the signed intrument or judgment from the original creditor. XXXX, FTC informal staff opinion letter, XX/XX/XXXX. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Supp. XXXX ( XXXX. XXXX ) ; XXXX V. XXXX, XXXX XXXX XXXX XXXX cIR. XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), et seq. 2. I am sure that your legal counsel will agree that CBS collections have violated multiple of the above stated laws. IF CBS collections continue collection activity with not shown me ANY PROOF that i was served my Mini-Mirandi rights, i will be pursuing LEGAL ACTIONS AS WELL AS FILING A REPORT WITH THE FEDERAL TRADE COMMISSION XXXX XXXX XXXX XXXXXXXX XXXX.
09/13/2019	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	LA 71111	Web
CBS Collections has received disputes for the account entries reflected on of my bureau reports. In my previous correspondence to them, I have requested that they prove the debt they placed on my credit reports and alleging I owe, is indeed mine. I never received a dunning letter nor any correspondence from them notifying me that they were attempting to collect a debt. My requests specifically requested that they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable as well as complete accounting of alleged debt. To date, to no avail. Additionally, I have disputed with the credit bureaus and they submitted documentation that states CBS verified the debt ; however, CBS has yet to respond to both of my requests made to them sent certified mail. My certified receipts validate that both letters were received by CBS. These erroneous, inaccurate, unverifiable entries on my reports are violating my consumer rights and has caused me denials for credit. In my most recent communication to CBS, I requested they provide a copy of the financial responsibility page, a copy of the alleged signature of the alleged provider of service to release any medical information, and cease any credit bureau reporting until the debt has been validated by me. To date, CBS has not provided any documentation that validates their allegations, nor the derogatory reporting they continue to do. Please see attached documents that reflect my attempts to communicate with this company as well as my credit reports that reflect this erroneous, inaccurate entry. The mere fact that CBS has never sent any correspondence to me notifying me that I owe an alleged debt is a direct violation of my rights. Blatantly inserting an entry on my reports and not notifying me violates my rights as a consumer to dispute the validity of their alleged claim. DELETE THIS ENTRY IMMEDIATELY AND SEND A FULL, UPDATED COPY OF MY CREDIT REPORTS THAT REFLECTS THE AFOREMENTIONED OUTCOME.
06/15/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 712XX	Web
On XX/XX/XXXX I went to see XXXX XXXX for annual wellness checkup. After my visit XXXX months later! recieved a bill for {$40.00}. I contacted the Dr office questioned them about the bill. Stating that it was for annual check up. I have XXXX XXXX XXXX and XXXX XXXX insurance. I should not have a copay. Especially for annual check up that is covered at XXXX XXXX. I've seen this XXXX for many years. Often for annual check up. So after another 3 months I received a collection bill from collection agency. I called that agency stating that I have dual insurance and it was supposed to be wellness checkup. The collection agency said they will contacting XXXX XXXX office and will call me if there is issues. Haven't heard back from the collection agency since. So now I schedule for my annual wellness, when I showed up for my appointment, I was told I can't see XXXX XXXX because I didn't pay my bill. As many times I disputed this bill, they told me it's my responsibility to pay for it. I told the office manager that if I truly owed it then I would have paid but it's wrong to bill me for {$40.00} when I have dual insurance and covered XXXX XXXX for wellness checkup. So I called the XXXX XXXX back today XX/XX/XXXX, now they told me that they did not file as a wellness check up but as a new patient. I was not inform about being a new patient especially I has been seeing the XXXX office for many years. This is unethical and insurance fraud.
06/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70816	Web
I have mailed & faxed 2 separate requests ; one for validation/verification and one for a demand for proof to substantiate the claim made by CBS Collections . I am in receipt of CBS Collections ' letter informing me that they are handling the " collection '' of the account # XXXX for {$1200.00} ; account # XXXX for {$1700.00} and account # XXXX for {$1100.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between CBS Collections & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate CBS Collections ' claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and CBS Collections continues to report this fraudulent ( on CBS Collections ' behalf ) and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in CBS Collections ' letters, these are " medical accounts ''. Therefore, this is a violation of my HIPPA due to CBS Collection not attaching a signed ( by myself ) HIPPA authorization form listing CBS Collections.
11/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70461	Web	Servicemember
The alarm company was notified by phone to cancel this account before renewal. They required a letter which was sent, not authorizing future monitoring. I was not notified that they were still monitoring our system for the following YEAR. No notification was received until I saw a collection on my credit and contacted them. They said they had no record of the cancellation. After not receiving any type of payment, why would they continue monitoring for such a period of time? This account was canceled and closed. Also, the dates of monitoring and when they say this collection was due, do not coincide. I have reported this to another credit bureau and it was taken off my credit report but XXXX says its my responsibility. I also believe this is a different collection agency reporting than the original one. So the tactic has become to just change agencies who report to a different credit bureau to keep pressuring for payment.
12/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75043	Web
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
04/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 70808	Web	Servicemember
An apartment complex is attempting to collect alleged damages from me without providing any evidence that said damages occurred. Six months after I moved out of the complex ( lease payments made in full and on time ) I receive a collection notice. When I sent the collection agency a letter requesting information under the FCRA, I did not receive a response. As neither the original creditor ( XXXX ) nor the collection agency ( Credit Bureau Services ) has provided sufficient evidence that any damages to the unit were incurred ( before/after photos, work orders for repairs, invoices, etc ), the attempt to collect against me is clearly a predatory practice directed toward young college students whose parents will likely " cut a check ''. When pressed for documentation, the original creditor stated that the documents were " lost ''.
04/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75227	Web
I have an account with XXXX XXXX XXXX. I was in a XXXX XXXX situation and had to abruptly relocate. The account was closed in XX/XX/XXXX. It shows I owed {$700.00}. On my credit report, it is showing that I opened the account in XX/XX/XXXX with CBS Collections. I have never opened an account with this company. I have disputed this and asked that they please report that this account was opened over 5 years ago, but it shows that the account is accurate. They are reporting monthly on my credit report. I do not even acknowledge this debt with the apartments. This has severely interrupted my life as it impacts my ability to secure housing in my name. Please help me with this matter.
08/12/2015	No	Debt collection Medical	Communication tactics Frequent or repeated calls	LA 70726	Web
Called to take care of debt a number of times, myself, then with representative, XXXX XXXX overtalked, yelled and interrupted every single word said. Then hung up on me, a total of 5 times. Asked about settling this OLD debt from 2008, he lied and said that the company does not offer settlements. Block you from talking to others at company, try to bully you into doing exactly what they say with no lip. Above description of issue with company options are limited. Conversations should be monitored and recorded as proof of complaint, we have times and dates called to resolve matter, in which this company did all they could to not resolve this OLD, OLD debt.
12/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 708XX	Web
This complaint is about the dispute letter I sent to XXXX on XX/XX/20 about a medical bill on my report. The account is # XXXX for {$160.00}. I sent a dispute letter to XXXX telling them to verify these collections and if they could not to delete this from my credit report immediately. They verified the debt with no proof of documentations at all to show it belongs to me. Also I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. I never gave permission to the creditor or company to release my medical information to XXXX. I would like this deleted from my report.
10/31/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 71457	Web
CBS Collections is reporting 3 chargeoff collections to the credit bureaus. These are all inaccurate. I have no knowledge of any of these and is surely the result of identity theft or erroneous billing. I have disputed this with them through the normal channels and they have failed to provide written proof that they are mine and have not stopped reporting them. The collections are : XXXX XXXX XXXX XXXX XXXX XXXX 1 ) assigned XX/XX/XXXX, from XXXX XXXX Hospital for {$51.00} 2 ) CBS Collections Assigned XX/XX/XXXX, XXXX XXXX XXXX XXXX for {$480.00} 3 ) CBS Collections Assigned XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, {$70.00}
06/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70805	Web
I monitor my credit report constantly. On XX/XX/2018 I sent a letter of validation to the company called CBS Collections in XXXX, LA asking for proof that I have a debt with the company. They send a piece of paper with my name typed and a dollar amount stating I owed money. I submitted a complaint XX/XX/2018 about this company on Consumer Financial Protection Bureau and receive invalid response stating there is no company with the name. There is no occupational license for operation for this company in the state of Louisiana. I have no acknowledgment of this account and ask for removal from XXXX and XXXX credit bureaus.
04/24/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	LA 70301	Web
Credit bureau services contacted a provider XXXX XXXX in reference to an alleged debt concerning me. XXXX XXXX in turn released my alleged medical treatment provided by him. He did so without my consent. By XXXX XXXX giving Credit Bureau Services my information that is an direct violation o f HIPPA rights. When speaking to the representative from Credit Bureau Services she stated she was in possession of my record and proceeded to mail an copy by regular mail where anybody could have came in contact with the information. I am attaching copies of records sent to me from Credit Bureau Services
09/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	WI 53143	Web
My accounts were sold to creditors and presented as new debt but i was never contacted by phone nor by letter to inform me of this change in ownership. I only was aware when my credit was negatively impacted by their new submission. The debt is several years old and should have been removed from my report. 15 U.S. Code 1681e - Compliance procedures were not followed by professional collect when they took over my file and is affecting my XXXX report. I have disputed with the creditor with no success. They are charging me with the amounts of {$1000.00}, {$1100.00}, {$2900.00}
10/05/2016	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	LA 713XX	Web
These medical collections that the collections agencies keep hounding me about that are on my credit report have been illegally obtained. They are in violation of Hipaa. They sent me back itemized bills of procedues, medications, etc. Straight from the medical facility. I sent certified letters to the collections agengies for validation of debt and the had nothing signed by me stating that it was ok to obtain all my private and person medical records that were specifically written on a bill..I will also send a Hipaa Violation letter to these reporting collection agencies.
10/05/2016	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	LA 713XX	Web
These medical collections that the collections agencies keep hounding me about that are on my credit report have been illegally obtained. They are in violation of XXXX. They sent me back itemized bills of procedues, medications, etc. Straight from the medical facility. I sent certified letters to the collections agengies for validation of debt and the had nothing signed by me stating that it was ok to obtain all my private and person medical records that were specifically written on a bill..I will also send a XXXX Violation letter to these reporting collection agencies.
09/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70805	Web
I monitor my credit constantly. On XX/XX/XXXX I sent a letter of validation to a company called XXXX XXXX XXXX in XXXX, LA asking them to prove me with proof that I have a debt with the company. They send me a piece of paper with my name typed and a dollar amount stating I owe money. I have no acknowledgement of this account. I asked the company to provide me with documentation indication I agreed to pay money, proof of acquisition, and ask that the account be removed from my credit. The account was removed from XXXX but not XXXX or XXXX.
11/09/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't a verification but a validation containing the information listed in the letter
04/16/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	LA 701XX	Web
XXXX and XXXX are both reporting a balance totaling {$2100.00} despite being the SAME company, this is not ethical reporting. XXXX is reporting on behalf of XXXX in the amount of {$1000.00} while XXXX hired a second organization reporting the same dollar amount. In addition, the items in the employment contract were NOT provided however, 5 years after by 6 week employment, XXXX reported an outstanding balance to 2 separate collection companies. These items need to be removed from my credit report.
06/27/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	LA 713XX	Web
Tried to call apartments who are claiming I owe this debt. They said I didnt owe XXXX $ that I owe XXXX $ They said I cant fix it because my lawyer has to call them. I am not sure whats going on but, its stopping me from being able to rent in other apartment complexes. I dont even know the correct amount Im supposed to pay or if I even legally owe this money. The apartments had a hate crime against me and didnt give me proper amount of days to move out when I moved out.
02/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70458	Web
I have written into CBS Collections on XX/XX/2022 ( document attached ) concerning this illegal debt. I have no contractual business obligation with CBS Collections, therefore CBS Collections should NOT be reporting a delinquent account to my XXXX, XXXX XXXX XXXX credit bureaus stating that I owe, {$300.00}. Nevertheless, CBS Collections is NOT licensed in the state of Louisiana to " collect '' delinquent debts on behalf of anyone ( document attached ).
02/16/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	LA 713XX	Web
Company has stated to myself and CFPB that they would remove negative info from my credit file according to Case number : XXXX negative info still remains on my XXXX report for {$420.00} and {$140.00}. I ask that these are both removed from my XXXX report as they said they would do. These collections are preventing my husband and myself from obtaining a good report and keeping us from being able to purchase a home. Thank you
11/09/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
03/21/2016	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 71360	Web
I have XXXX paid medical accounts that went to collection. They were quickly paid in full to original creditor. Collection agency reported inaccurate and incomplete information regarding these accounts before and after they were paid. Based on this poor account management XXXX and XXXX deleted these accounts from my file. XXXX continues to allow collection agency to verify bad information by rote.
06/06/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 78681	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
05/22/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 711XX	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
07/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60423	Web
This debt with XXXX healthcare system was paid via 6 months payment arrangement for direct debit from my paycheck. The debt was satisfied early with a last payment of XXXX at my request. XXXX XXXX put a collection on my credit report originally for {$1000.00} then increased it after I notified them of the mistake {$1100.00}.
02/23/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 752XX	Web
CBS collections at XXXX XXXX XXXX, XXXX, La, XXXX has been calling me for debt collection notices in the amount of {$4200.00} the collection has been report as past due balance. I do not know this company. I have never done any business with this company. This company does not have the contract with my signature.
11/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 708XX	Web
This company is reporting illegal information on my credit report I contacted them 30 days ago and serveral other times and got no response.also under the hipaa Privacy act they can't have access to my personal medical records that's against the law and they can't provide me with information about this
02/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 711XX	Web
CBS Collections and I settled this debt back on XXXX2022 yet they continue to report the debt on my credit report. According to the settlement, they were supposed to dismiss the claims and remove them from my credit report. However, they continue to report this debt to both collections agencies.
10/19/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	LA 70360	Web
CBS Collect is trying to collect on a debt for {$250.00} for XXXX XXXX XXXX XXXX that I am already paying through XXXX. I have tried to reach out to them to have this removed but when I call I am placed on hold and no one comes back on the line. This collection shows on my XXXX and XXXX.
08/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 71106	Web
In review of my credit file, I noticed a debt in the amount of {$260.00} from CBS collection company with the original creditor being XXXX XXXX XXXX XXXX. I mailed a debt validation letter on XX/XX/20 through certified mail but have not received a reply from said collection agency.
06/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 703XX	Web
Upon checking my credit file Ive noticed a company cbs collect has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from the above to be removed from my credit file.
09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	LA 70001	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Turned this over to CBS Collections On my XXXX report. All details in full and attached proof are attached below. I have contacted XXXX, original creditor and collection agency and still not handled properly.
06/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70726	Web
I was told if I paid it they would remove from my credit report. Paid it but it didn't come off. I reached out multiple times and go no response. Try calling again, XX/XX/22 but still got no response.
08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75703	Web
I did not get verbal or Written consent to place any credit reports on my credit. I also tried to resolve this matter by contacting each creditor but they fail to comply with me.
08/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 705XX	Web
I have an account on my credit file from credit bureau services. This account isnt mine and under the FDCPA this a violation of my rites.
10/05/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30274	Web	Servicemember
Insurance paid medical bills
01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	WI 53511	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70364	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	GA 31721	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77077	Web

07/06/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	LA 71423	Web	Servicemember

05/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77081	Web	Servicemember

02/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77489	Web

02/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 71457	Web

02/04/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32725	Web

01/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71115	Web

12/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71101	Web

12/07/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70769	Web

11/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70769	Web

11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70605	Web	Servicemember

03/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 71119	Web

03/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 71119	Web

09/21/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 71104	Referral

09/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77505	Web

09/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 71104	Referral

06/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70301	Web

06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	LA 71062	Web

05/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	LA 71301	Web

02/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 71171	Web

06/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70811	Web

04/05/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70363	Web

02/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 70817	Web

02/13/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 71328	Web

12/11/2019	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	LA 70835	Web

08/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70820	Web

08/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21234	Web

06/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 71112	Web	Servicemember

11/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 70364	Web

08/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75287	Web

02/14/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 70360	Web	Servicemember

02/16/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	LA 70363	Web

04/14/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 71303	Web

09/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 70118	Phone	Servicemember

01/20/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70785	Web