Kingston Data & Credit International Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/29/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38104	Web
I recently submitted a complaint ( Case # XXXX ), and the company did not respond to the Cease and Desist ; being that CEASE and DESIST was warranted by LAW because Kingston Data & Credit International has no right or contract to have access to my consumer credit report. However, Kingston Data & Credit international was not able to provide receipt of any contract I have with them, owing said debt. I have not been in any communication in any form with Kingston Data & Credit and I urge them to delete all information from their company from all three consumer reporting agencies ( XXXX, XXXX, and XXXX. The Cease and Desist was warranted. The company ( Kingston Data & Credit ) is still violating my rights as a consumer. No communication or tracking has been provided to me nor have I ( federally protected consumer ) validated said debt with Kingston Data & Credit and they are committing aggravated identity theft in accordance with 18 USC 1028A and Debt Parking. In violations of the FTC Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act ; Kingston Data & Credit International has purported debts on my consumer credit reports without first attempting to communicate with the consumer about the debt. Kingston Data & Credit International has still not sent receipt of any communication thereof. I have not disputed this debt, validated this debt, nor been in communication or have signed any agreement to pay said debt. I am protected by the assignee clause and Kingston Data & Credit International is in violation of 15 U.S Code 1692e ( 12 ). Both Kingston Data & Credit International and said Debtor are both held liable by law. Kingston Data & Credit International and said Debtor have committed Aggravated Identity theft by mishandling personal information to create debt and has caused harm to my well being. This law is in accordance with Section 1028 ( a ) ( 7 ). Kingston Data & Credit International responded to my compliant stating they will reach to said " Orignal Debtor '' for validity and request account documentation. Which is further violation of 15 U.S Code 1692e ( 12 ) I have never given any personal information or permission to Kingston Data & Credit International to obtain copies of my consumer credit reports nor add negative items to my report. Which is in violation of 18 USC 891 Section 7 by committing extortion against me to cause harm to my reputation and that is a CRIMINAL ACT. Per the Federal Trade Commission ; the case FEDERAL TRADE COMMISSION v. MIDWEST RECOVERY SYSTEM, strictly prohibits " DEBT PARKING '' and Kingston Data & Credit International is in violation. Kingston Data & Credit International have in numerous instances, in connection with the collection of debts, have directly and indirectly used unfair and unethical means to collect/attempt to collect, by furnishing information regarding a debt to consumer before communicating with me ( consumer ) about the debt, in violation of Section 808 of the FDCPA, 15 U.S.C 1692f. Kingston Data & Credit International have, on numerous occasions, in the attempt to collect debts have implicated that I, the consumer am delinquent on a pay day loan that they have the authority to collect. This is misleading and criminally negligent information. The representations set forth in this paragraph constitute a deceptive act or practice, in or affecting commerce in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). Kingston Data & Credit is also committing mail fraud by attempting to obtain money by means of false and fraudulent pretenses, in violation of 18 U.S Code 1341 Notice Of Fault Opportunity to cure complaint This is a follow up of closed complaint # 220810 Kingston Data & Credit International is in clear violation of the FDCPA Laws. From there previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth was ignored, so was the Notice of Default and Opportunity to Cure Notice. The Law States the Following : An affidavit unrebutted stands as Truth. Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th CirXXXX ) ; Cert XXXX Denied, 50 U.S. L. W. 2169 ; S. Ct. XXXX XXXX ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
01/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76087	Web
I cancelled, by phone, my access to the XXXX XXXX facility, located in XXXX XXXX, TX and operated by XXXX XXXX, XXXX. I had no agreement on file dictating any terms or conditions of my membership, nor was I informed of any conditions or agreements related to cancellation of my membership ( which I was lead to believe was an open ended transaction, allowing me to remain a member of the gym at will -- -including cancelling at any time ). In the weeks following my cancelling the membership, I received 2 calls from XXXX XXXX, a company handling payments for the gym. They claimed that I owed amounts related to 2 months of membership plus an annual membership fee -- -all of which was applied after I had cancelled my account with the gym. After I explained that there was no signed agreement nor any acknowledgement on my part where I agreed to the charges ... they ( XXXX XXXX ) agreed that in lieu of any signed agreements where I had acknowledged or agreed to terms surrounding the cancellations, that the outstanding amount they showed should be voided -- -as again these charges had occurred after cancellation of my membership. I considered the matter closed at that time. I received no further communications until XX/XX/2020 when I received a collection notice from a company called Kingston Data and Credit from XXXX, XXXX. In their letter they claim that I owe a debt of {$170.00} for unpaid membership dues as well as a yearly membership fee. I responded to them by phone and email that I did not believe this debt was valid and they would need to provide some sort of evidence to the contrary. The response was an email with an attached agreement that someone had signed 'Over the Phone ' in each of the signature locations. This was not my handwriting, nor of course my name. I contacted Kingston and asked if they were aware that this evidence was not, in fact, valid evidence of anything and actually further proved that my accounting of events was true -- -- that I had signed up for access to the gym by phone and had never received, nor signed, any agreements. The response back was that it was valid ( though obviously not ) and that they would affect my credit by reporting me if I did not immediately pay the {$170.00}. I confirmed with my legal counsel that no part of this is true -- -that indeed this was an unenforceable contract that should never have been sent to collections in the first place. Nevertheless, I have received no confirmation that they are dropping their collections activities and indeed, to the contrary, that they still intend to pursue. I believe this agency has violated my rights under the FDCPA by 1. ) Pursuing collection of an invalid debt that they did not confirm as valid before beginning collection activities 2. ) Have continued these actions after notification that I am disputing the validity of the debt. 3. ) Have threatened me with harm related to my credit after failing to provide valid evidence that I bear any responsibility for the debt they are attempting to collect. I have, repeatedly, requested confirmation that they cease these activities and take no further action ... but my calls have now been blocked and they are not responding to my emails. I believe that XXXX XXXX, XXXX engaged in predatory and dishonest practices when I signed up for the gym by not disclosing any terms, nor that any agreement would be attempted to be enforced upon my signing up for the gym. They then compounded this wrong by sending an unenforceable agreement that was not disclosed to me to a credit collection agency, Kingston Data and Credit. Kingston has since violated my rights under the FDCPA by continuing to threaten me after my request for a validation of the debt as well -- -and even after no such evidence was produced.
12/08/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78249	Web
Im a former member of the club XXXX XXXX XXXX, membership ID XXXX. Based on the membership agreement signed on XX/XX/XXXX between XXXX XXXX and XXXX XXXX XXXX ( State of Texas registration # XXXX ), a member can cancel the agreement by contacting the designated company XXXX XXXX XXXX XXXX XXXX referred further as XXXX XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX over the phone at XXXX XXXX informing them of the membership cancelation ( see Attachment A ). At the time of the call I was a month-to-month member. XXXX XXXX provided me with the contact information of the club location XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX, XXXX, email : XXXX and directed me to the club location for the membership cancelation inquiries. My phone calls to the club went unanswered. That same day, XX/XX/XXXX, I sent an email to the club location informing them of my membership cancellation ( see Attachment B ). I took all reasonable steps to tender my cancelation and considered it canceled on XX/XX/XXXX. However, despite all the steps taken, my membership wasnt discontinued. In fact, as the account information shows I was charged the monthly membership fee on the day of the cancelation, XX/XX/XXXX. On XX/XX/XXXX, I contacted the club again to confirm the cancelation of my membership. To my surprise and disappointment, I was told that my account had an outstanding balance which was charged on XX/XX/XXXX, the same day I cancelled my membership. I was also informed that memberships with outstanding balances can not be canceled. The charge was incorrect. XXXX XXXX should not have charged me on XX/XX/XXXX. XX/XX/XXXX was the date that I discontinued my membership. My intent was clear. I expressed it many times, by phone and in writing, that my membership with the club is over. Despite these efforts, XXXX XXXX continued charging membership fees in the months following XX/XX/XXXX and did not communicate any of this to me. On XX/XX/XXXX, I was contacted by XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX, phone : XXXX ( referred further as XXXX XXXX informing me that there is a debt that was transferred to them by XXXX XXXX XXXX that XXXX intends to collect. On XX/XX/XXXX, I contacted XXXX XXXX XXXX spoke with customer representative XXXX XXXX, XXXX ext. # XXXX ) as well as XXXX XXXX Headquarters ( spoke with representative XXXX, XXXX ext. XXXX ). The companies werent able to provide the confirmation as to the date of the membership cancelation, amount of the debt, and the date when it was transferred to XXXX for collection. The companies werent able to provide proof that they tried to contact me about the matter prior to transferring the account to XXXX. The companies were not willing to provide any information as to why the membership was active past the cancelation date on XX/XX/XXXX. The debt that was allegedly incurred is illegal. XXXX XXXX XXXX and its affiliates engaged in the unfair, deceptive, and abusive practices despite multiple good faith attempts to discontinue membership. I request that the Consumer Financial Protection Bureau investigate the Company and its affiliates as well as XXXX XXXX and XXXX XXXX XXXX in connection with the unfair and abusive practices described above. Attachments : Attachment A copy of XXXX Online Business Center Account Notes ; Attachment B copy of the email cancelation sent on XX/XX/XXXX.
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30038	Web	Servicemember
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX OR XXXX XXXX XXXX XXXX, PA XXXX Original Creditor : KINGSTON DATA AND CREDIT Address XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX Phone XXXX ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from KINGSTON DATA AND CREDIT XXXX Account with no Account Number. This Collection account is reporting not only as Open on all accounts, but also shows a past due balance of [ {$840.00} ] In addition, the furnisher must notify all CRAs that received the information of any corrections and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 3 ). According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly 681.1 Duties regarding the detection, prevention, and mitigation of identity theft. ( a ) Scope. This section applies to financial institutions and creditors that are subject to administrative enforcement of the FCRA by the Federal Trade Commission pursuant to 15 U.S.C. 1681s ( a ) ( 1 ). A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). At this time, please provide debt validation in the form of agreement, an original bill, and a detailed statement of procedures is required, if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any. 3. Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. Sincerely, XXXX XXXX XXXX
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30038	Web	Servicemember
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Original XXXX : KINGSTON DATA AND CREDIT Address : XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX Phone XXXX ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from KINGSTON DATA AND CREDIT Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, but also shows a past due balance of [ {$840.00} ] In addition, the furnisher must notify all CRAs that received the information of any corrections and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 3 ). According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly XXXX Duties regarding the detection, prevention, and mitigation of identity theft. ( a ) Scope. This section applies to financial institutions and creditors that are subject to administrative enforcement of the FCRA by the Federal Trade Commission pursuant to 15 U.S.C. 1681s ( a ) ( 1 ). A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). At this time, please provide debt validation in the form of agreement, an original bill, and a detailed statement of procedures is required, if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any. 3. Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. Sincerely, XXXX XXXX XXXX
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30038	Web	Servicemember
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Original Creditor : XXXX XXXX AND XXXX Address : XXXX XXXX XXXX # XXXX, XXXX, FL XXXX Phone XXXX ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account with no Account Number. This Collection account is reporting not only as XXXX on all accounts, but also shows a past due balance of [ {$840.00} ] In addition, the furnisher must notify all CRAs that received the information of any corrections and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 3 ). According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX XXXX Section XXXX ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly 681.1 Duties regarding the detection, prevention, and mitigation of identity theft. ( a ) Scope. This section applies to financial institutions and creditors that are subject to administrative enforcement of the FCRA by the Federal Trade Commission pursuant to 15 U.S.C. 1681s ( a ) ( 1 ). A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). At this time, please provide debt validation in the form of agreement, an original bill, and a detailed statement of procedures is required, if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any. 3. Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. Sincerely, XXXX XXXX XXXX
09/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48035	Web
When i went in to cancel my account within the 3 day cancellation period, I was told that it would be taken care of by a female employee after giving my info ( I believe her name was XXXX? ). Money kept getting taken out of my account after cancelling. I asked them about this over text. to no response. After calling to no response, I then went in person. XXXX told me he couldnt do anything. I wont bring up the false advertising they tried on me with how all the equipment was new ( i went there in high school under the old owners and it was all the same equipment [ 7-8 years difference as i graduated in XXXX ]. The equipment was just moved around ). Laid out my financial situation to show them it was not fiscally obtainable for me AT THAT TIME but repeatedly said that I would be back when I cant afford it. Even showed them my bank account and the monthly payments I had to make to private student loan lenders as the payments are more than 95 % of mortgages I've saw. And I worked at a mortgage company. Their were deceitful tactics used at the table to begin with and my many attempts to obtain the recording of that meeting went unfulfilled no matter how many times I asked. They were VERY blatant in showing me that they were recording and told me how he does it with everyone and has law experience. So i didnt think getting that would have been an issue. I also was dealing with bad injuries at the time and was VISIBLY hunched over with a heavy limp as I had hurt myself within the few days of me visiting there to discuss a membership. They're supposed to help with physical health. Not encourage you to keep pushing yourself. I wasnt signing up for physical therapy. Mind you. This was within the very short 3 day cancellation period, that I had originally gone back in to cancel. And Im willing to bet security footage would verify my claim of my health at that time. The money stops coming out of my account. I get no overdraft charges from them the way you would with any other auto-payment system. Receive no correspondence in over a year. But am just now being notified that my account has been handed over to a collection agency. This was all two years ago. But was solicited to sign up within the last year and my account was just handed over in XX/XX/XXXX. So why was I getting solicited ... .if I already had an account with them that JUST got handed over to a collection agency. That makes no sense to me. If I ALREADY have an account with them ( as it hadnt been passed off to collections yet )... why am I getting solicited? Shouldnt it have been in their system, that I already had a membership with them? The most frustrating part is that this was my favorite gym when I was in high school. I would be there paying willfully now if they didnt go about this the way they did and played the short quick payday game. But I will steer everyone away from these people and this gym. I can not go back there now, not after my experience with these people.
07/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02021	Web
Hi KINGSTON DATA AND CREDIT INTERNATIONAL INC. ; ( XXXX XXXX XXXXXXXX MA ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
06/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19702	Web
My initial communication with Kingston Data And CREDIT was on XX/XX/2022, where I requested validation of this alleged debt. This alleged debt is a result of identity theft and I did not authorize Kingstons credit organization or any other party access to my consumer report, nor did I initiate any transaction with the alleged original creditor. This debt was made at a time where I was not living at the address in question and have no recollection of signing up for an account with the original creditor. I requested validation of this alleged debt in XX/XX/2022 and have not received any response. Also in XX/XX/2022, I sent them a cease & desist as well as an affidavit of truth and have yet to receive any response, I sent all of these items with certified mail, and return receipts, and I have the documentation that they have received the communication but have failed to respond. The amount of this alleged debt is {$1600.00} and due to the reporting of this false debt my credit score and worthiness has dropped immensely, currently affecting my ability to apply for a proper living shelter as I am currently without a home due to the death of a parent. I have not granted KINGSTON CREDIT AND DATA any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe or furnish an infraction on my credit report based on debt that they have assumed ( bought ) from a creditor. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding the cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Kingston Data and Credit. can provide me with sufficient documentary evidence that I have any legal obligation to pay them specifically. If this documentary evidence can not be produced and Kingston Data AND CREDIT continues its collection efforts, I will file for litigation for actual damages caused and Kingston Data AND CREDIT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, and theft by deception. I am demanding this be removed from my credit report within 10 calendar days or I will see them in court. Also let it be known the phone number that is supposed to be their number on my credit report is no longer a working number and I have not since found a working number for them. Thank You, XXXX XXXX.
01/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV 89108	Web
This company is asking for a debt that I had no legal binding contract with them regarding. I am not sure if my alleged debt was sold to them or not, but I have no working knowledge of who this company is or why they've been sold this account OR are making attempts to collect an alleged debt on behalf of another company which whom I never gave access to send, share, or give out any of my personal information. Please see below for steps I am willing to take to correct this action ASAP. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Verification of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commercial Codes, Federal Fair Credit Reporting Act, and Nevada State Statues for Lawful Purposes. 3.A copy of the contract signed by both parties and therefore binding both parties. 4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account. 6. I demand you define what $ is in law, and cite any law defining the $ symbol and what form or specie of payment under 15 USC 78m ( q ) ( 1 )? I hereby give you 7 days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within 7 days, from the above date, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place; OR It has already been paid in full ; AND That any damages suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.
08/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38104	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Kingston Data And Credit for committing identity theft. I have never given Kingston Data And Credit any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from before they Kingston Data And Credit committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Kingston Data And Collect can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Kingston Data And Credit can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Kingston Data And Credit continues its collection efforts, I will file for litigation for actual damages caused and Kingston Data And Credit will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
07/04/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78130	Web
Kingston Data and Credit International Inc. XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Tel XXXX Fax XXXX www.kdcii.com Please be advised that your overdue account with XXXX XXXX ( XXXX XXXX TX ) has been placed with our company for collections. This is an attempt to collect a debt and any information obtained will be used for that purpose. We request that you call us upon receipt of this letter toll free at XXXX to speak with our office and make payment arrangements, or pay online at www.kdcii.com/payments. We are a debt collection company. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any potion thereof, this office will obtain verification of the debt or obtain a copy of a judgment or verification. If you request this office in writing, within 30 days from receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. Failure to pay this account or contact us within 30 days after receiving this letter will result in further collection activity. If you would like information by SMS text message, text CONTACT to XXXX and we will communicate with you by SMS text message. " This communication is from Kingston Data & Credit International Inc., a debt collection agency. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' Regards, XXXX XXXX - Receivables Manager Direct Line : XXXX Email : XXXX ( XXXX ) Pay By Debit/Credit Card : Call XXXX or go to www.kdcii.com/payments/ Pay By Mail : Kingston Data & Credit International, XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX Please call XXXX to report your payment. Re : Creditor -- XXXX XXXX ( XXXX XXXX TX ) -- {$1000.00} Date of Debt XX/XX/2018 Current Balance -- {$1000.00}
07/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	XXXXX	Web
To whom this may concern, This is a formal complaint about the shady tactics of Kinston Data and Credit. XXXX XXXX XXXX XXXX # XXXX, XXXX, ON XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX is the lady I have been dealing with. There are two main complaints about this company that I would like to state and address : 1. ) I Requested a debt verification letter shortly after I was aware Kingston Data and credit was after this alleged debt. I have documentation that I had requested this on XXXX XXXX, 2021. It was accompanied with a cease and desist letter/ request. I did not actually receive any verification of debt until more than a year later. As well, I was continued to be harassed and contacted even after this legal right of mine was exercised. This is most likely a common practice by this company to ignore consumer rights and laws. I will attach the request I made, and I doubt they have evidence they have sent me any sort of documentation they provided me, especially in the given timeline. 2. ) I was requested to pay a large amount of interest that was stated no where in the original contract with the original creditor. The only opportunity I was given to pay this debt would have been an erroneous incorrect amount. This should not be allowed where collection companys put whatever amount they wish and force consumers to pay it. This amount was never correct until she reported me to the credit bureaus. I will also attach documentation that I was asked to pay more then the legal amount with interest on this collections account. The original contract has never stated anything about interest. I have paid this account because I didnt know what else to do at this point. However I believe I have grounds to have this collections removed at the very least based, on the unethical practices of this Company. Thank you for your time, and I hope to hear back from you
10/26/2021	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 Their investigation did not fix an error on your report	MT 59101	Web	Servicemember
I have disputed multiple times a collection from Kingston collection and anytime fitness multiple times I do not owe them for this account as it was closed and their was nothing oweing on the account when it was closed. Yet they turned me into collections and are calling me harassing me and I do not owe them. They have damaged my credit rating and contributed to my inability to purchase my home. I have contacted transunion multiple times and they say they have investigated and the account info is correct and left the inaccurate info on my account. This is not the only time I have had issues with transunions so called investigations they did this with inaccuracies with 2 XXXX XXXX XXXX accounts on my report that also significantly damaged my credit score and contributed to my inability to obtain a home loan and require me to lease a rental property. Their investigations take longer then they should and they are not adequate. I have contacted the XXXX to help get anytime fitness to acknowledg the collection is not accurate and I will report Kingston professionals in any way possible to put an end to the phone calls and harassment trying to force me to pay a debt that I do not owe. XXXX could easily validate my dispute but from my experience and having this be an issue on multiple occasions on multiple accounts within their reporting of and investigations into my credit report it seems they are not handling their duties as they should and the consequences of this has caused me financial loss, loss of time, XXXX, and all around has had a domino effect that has impacted almost every aspect of my life. Your credit rating is essential to maintaining financial stability and those who are in charge of ensuring its accuracy should hold themselves and their duties to a higher standard then what i have experienced with the handling of my report.
05/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 295XX	Web
I received a letter from " Kingston Data and Credit International '' stating that I owed {$200.00} to the health club " XXXX XXXX ''. I was a member of this club from XX/XX/XXXX - XX/XX/XXXX in XXXX XXXX, SC. In XXXX of XXXX I cancelled my membership in accordance with the membership contract I signed in XXXX of XXXX. The contract stipulated a year 's membership ( 12 months + a down payment ) after which the membership moved to a month-to-month basis. So after satisfying the 12 month requirement ( XX/XX/XXXX - XX/XX/XXXX ) and continuing my membership for 3 more months, I decided I did not want to be a member anymore. So after paying the month of XX/XX/XXXX in full, I notified XXXX XXXX in XXXX XXXX, SC, that I wanted to cancel my membership. 4 months later, I receive notice that I'm 4 months behind my membership dues and this " debt '' has been sent to collections, i.e. Kingston Data and Credit International. This debt being pursued is entirely false, and all attempts to resolve this with XXXX XXXX have not been effective. They have not even responded. All inquiries to the debt collection firm disputing the validity of this debt have been met with this statement, " Please be advise as per our letter XX/XX/XXXX we have directed you if there is anything else you are requesting or need to discuss you are to contact XXXX XXXX at XXXX. '' I do not deserve this so called " debt '', I dispute its entire validity. I have copies of my membership contract showing that I acted in explicit accordance with its terms. I do not deserve to have this " debt '' collections record show up on my credit report, which is otherwise XXXX.
07/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 39056	Web
I joined XXXX XXXX around mid XXXX. I enrolled in automatic payment but later realized it was not a rational idea for me at that moment. For the fact that, I was in school struggling to pay my school fees, I have a wife and a newly born kid. And I also worked two jobs. I was only able to maintain the membership for 3 months or thereabouts. Therefore, I called XXXX XXXX center to terminate my membership. I made the last payment, mailed their key back to them and terminated my membership. Since then, no contact or any form of affiliation between me and XXXX XXXX. Just last month XX/XX/XXXX. I checked my credit status and I realized my score was severely reduced. I saw an amount of {$950.00} with a name Kingston Data and credit on it. I XXXX the company and I called them up. I was told by the agent who spoke with me that it was from XXXX XXXX that they were a collection agency. I called XXXX XXXX but I was told I had to pay that I was on a 2 years contract with them. Every explanation I was making was rejected. Now, the point is, when they knew I owe them, why didnt they reach out to me in XXXX, XXXX, XXXX until XXXX before they start rooting for what wasnt true. I am a faithful taxpayer, a hard working person, I never depend on the government to take care of me. If XXXX XXXX thinks the government is pumping money into the circulation that they want to tap from that, well, not from me. I dont mind going to court with them either. Kindly help see into this matter. Thanks!
04/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 180XX	Web
I joined XXXX XXXX. After the 30 days I physically in person made the decision of not keeping it. But without my knowing, I do not keeps tabs on my statements due to alot of different transactions. I'm just conscience having money in my account. So. Then I was charged XX/XX/XXXX {$59.00}, again on XX/XX/XXXX {$38.00} again {$59.00}, on XX/XX/XXXX THEN, charges stopped from XXXX XXXX and now money was being taken out for XXXX XXXX, which I've never ever had any sort of communication with. So started XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$22.00} XXXX/XXXX/XXXX {$39.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} Then I saw I had a debt on my credit when I got a new debit card and saw all of this. I NEVER authorized it. I called they said they don't have any records because it was prior owner, so that owner still owns the XXXX branch, when I asked them, they said they have no access. So seems to me when XXXX XXXX closed, my info was sold to XXXX XXXX. Nobody will answer me I get they'll call you back, never do. Now I have this high impact on my credit! Please help me fix these fraudulent charges. I've been told they've done this to many people and not to expect any help. Please help me, I'm trying so hard to build credit
08/27/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77386	Web
Upon reviewing my credit report as I do on a monthly basis, I noticed on XX/XX/XXXX new activity in the form of a collection from KINGSTON DATA & CREDIT INTERNATIONAL INC . Puzzled as to why negative information could be reporting on my XXXX Report, I found out the original creditor was XXXXXXXX XXXX XXXXXXXX and the negative info was associated from an old Gym membership which has not been active for more than 4 years. In XXXX of XXXX I contacted and had a lengthy conversation with my local XXXX XXXX XXXX and expressed that I wished to cancel my membership. I explained that I had to abruptly leave the country for work and was told by the XXXX XXXX employee that because of my situation she would accept cancellation by phone. I provided my contact info, and date of birth and the employee said she would initiate the cancelation and send me confirmation to my email. Following that day in XXXX of XXXX, I had not received any notification of a balance owed. No attempt was made in any form from XXXX XXXX to contact me within a 4 year period to inform me that any balance was owed or a contract was left unsatisfactory. Upon discovering the collection from Kingston Data, I requested documentation verifying the outstanding debt but nothing has been provided.
06/07/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29681	Web
XXXX XXXX Joined XXXX XXXX on a month to month promotion XXXX XXXX Returned key fab to owner, XXXX of gym and got his hand written receipt. XXXX XXXX Began receiving threatening phone calls and emails from debt collector, XXXX XXXX XXXX telling me I owed {$470.00} for an annual membership. Told them I did not owe any annual membership fees. I asked them to provide PROOF of any such debt or membership agreement. They never did. I sent CERTIFIED letter to XXXX XXXX and asked them to cease any further actions. XX/XX/XXXX, again began receiving threatening phone calls that this would damage my credit and they would report me to credit bureaus. Again I asked them for proof I owned any such debt, which I disputed in XXXX and again in XXXX. They did not provide any documentation. XX/XX/XXXX, I pulled my credit report and saw my credit score damaged by XXXX points with a collection item. I again contacted XXXX XXXX, spoke with XXXX who told me that they have a new owner, I told her I do not owe XXXX XXXX anything. I also contacted XXXX and they told me to contact FTC for harassment and bullying by a collection agency that has three times now persisted to collect on a debt NOT owed and which is disputed each time. They have never showed me proof.
06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 322XX	Web
Kingston Data and Credit began reporting an account to my credit report with an open date of 2019. At no time did I ever open an XXXX XXXX Account in 2019. Also, at no time did Kingston send me an initial dunning notice. Upon identifying the account on my credit report I made MULTIPLE attempts to contact the agency which was a nightmare in itself. For weeks I called and could not get anyone to answer the phone, I left multiple voicemails and no call back. I disputed the account with the credit bureau ; however Kingston removed the account from only 1 reporting agency. I called the agency and was able to get someone on the line. I have so many concerns after speaking with the rep and Kingston needs to immediately pull their agents off the phone and conduct compliance training. The agent told me the account was only reporting to 1 CRA because the account was a states account and not in XXXX... I quickly corrected her but she seemed so confused and uneducated on what she was even talking about that it was frightening. The agent failed to advise me the call was being reported or provide me the XXXX XXXX. There is a lack of adherence to compliance at Kingston and it needs to be addressed and corrected.
04/25/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48035	Web
After speaking with legal services, I was made aware that I assumed the debt and acknowledged that it's mine. I have not been provided with any bill, invoice, or hard documentation to show the amount that is due. From the numbers I was given by XXXX. I supposedly agreed to over $ XXXX gym membership. I am more than confident the number on that contract is closer to $ XXXX. That is with consideration to the late fees included. I was told that a copy of my contract has been requested. Im willing to pay what I owe and chalk this up as a life lesson in being too nice. But I'm only going by what I'm being told. I would like to see a bill/invoice that shows how a {$20.00} something a month, 2 year gym membership, turns into {$3500.00} after only $ XXXX XXXX in fees. I acknowledge the debt was sold to you for a cheaper amount. In XXXX last email. She mentioned contractS. I only signed one contract. My number, with late fees included at $ XXXX for a two year gym contract comes out to around {$1000.00} total. Not {$3500.00} or the {$2700.00} that I'm currently being asked to pay. I'm willing to pay what I owe. But I'm having a hard time understanding how the number more than doubled like this.
06/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23223	Web
The company Kingston Data and Credit International Inc XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX is trying to collect through a debt collector which means the debt is already paid for. This company is a debt collector using fraudulent debt collection practices act violating multiple violations. Thats includes : a 15 USC 1692 a ( 6 ) a debt collector. A debt collector that is 15 USC 1692 b ( 2 ) communicating through other uses of communication please cease and desist your fraudulent debt practices which is 15 USC 1692 e any other false, deceptive, or misleading representation or means of connection with the debt collection. This company should be investigated for fraud 15USC 1692 e ( 8 ) threatens or communicated false credit information, including the failure to communicate that a debt is disputed. That includes sending mail postage letters with no return address on the envelope which is mailfraud and identity theft. The party has failed to respond to three notices sent back for them to respond and have not responded within the time limit postage mail certified w return receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/24/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94601	Web
I got a notice of collection on XX/XX/2022 from Kingston Data and Credit International Inc that I owe XXXX XXXX ( XXXX XXXX ) {$210.00}. I would like to dispute this credit. It is not true. In early XX/XX/2022, I went to visit the gym to cancel my membership, but the manager accepted and suggested me to pause my membership for 6 months, and in case I would like to resume or cancel it, I can just come in and report them, so they can cancel without any more charge because they already charged me the XXXX fee. In XX/XX/2022, I went to report them, I would like to cancel it and no more resumes, and the manager agreed. From XX/XX/2022 until currently ( XX/XX/2022 ) I never visited the gym once. You can check my facility card login history to know the truth, and I also have no idea why I owe them {$210.00}. The amount is not true and the gym managers action is also unlawfully wrong to do so. He provided misinformation and tried to collect money by Kingston Data and Credit International Inc I emailed to dispute the claim to both Kingston Data and Credit International Inc and XXXX XXXX XXXX XXXX XXXX ) as soon as I received their letter on XX/XX/2022.
12/13/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MS XXXXX	Web	Servicemember
Kingston Data And Credit is claiming I owe {$1300.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 705XX	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
09/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93063	Web
On XX/XX/2021 I pulled my credit report to see a collection account from Kingston Data & Credit with a balance of {$1600.00} listed. I have absolutely no knowledge of this debt or company. On XX/XX/2021 I drafted a validation letter, not to be confused with a verification. Requesting they provide me with competent physical evidence that I had any legal obligation to pay their company. On XX/XX/2021 I sent my validation letter out via USPS Certified mail, after tracking my letter I see the company received it on XX/XX/2021. Under the FDCPA laws Kingston Data & Credit has failed to responded to my validation letter in the legal allotted time which is 30 days of receipt. Kingston Data & Credit has also violated my consumer rights under the FCRA & FDCPA by continuing to report negative information to the credit reporting agencies causing a detriment to my personal credit while in the process of disputing this information. This debt is now unverifiable.
04/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 435XX	Web	Servicemember
I was a member on XXXX XXXX in XXXX, OH. In XXXX of XXXX, I deployed to the XXXX XXXX. Prior to deploying, I advised the management to put my account on a freeze. They advised they could do that. Months into my deployment, I received an email saying my account was at risk of going to collections. I made contact with management and agreed to pay {$260.00} to keep me out of collections. In return I was provided with a free membership of {$260.00}. I returned home XX/XX/XXXX and had my membership reactivated. In XXXX of XXXX I received a notice about a past due balance. I reached out to management who responded Hey there XXXX, you can disregard any emails regarding past due payments, we will get it sorted out for you. This was the last email I received from XXXX XXXXXXXX before discovering a collections notice on my credit report that was placed in XX/XX/XXXX resulting in my score to decrease XXXX points.
07/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32583	Web
Ive called kingston Data and Credit and Ive also called XXXX XXXX about the amount of {$950.00}! In XXXX I went one times to XXXXXXXX XXXX with a friend and was told I could be a free member being Im going with a friend who is already a member! They told me I had to sign paper work so I can have a key of my own if my friend didnt go! I never got any payments or saw any written paper work saying I was going to have to pay or I would have! So Ive written letters to dispute this charge twice once In XX/XX/XXXX and second one In XXXX, XXXX and still havent gotten no letters back from XXXX XXXX XXXX XXXX! I would like to take this charge off my credit since Ive made effort to take this off my credit! I have even called and reached out and keep getting told I need to call a number and when I call a number nobody answer!
06/13/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 352XX	Web
On XX/XX/2023 I received an email from Kingston Data and Credit International Inc. They claim that I owe {$230.00} But falsely reported {$230.00} to XXXX without sending me any written notification of the alleged debt. Creditor Account Number XXXX XXXX Balance as of XXXX Owing -- {$230.00} Between XXXX and Today -- Interest Charged {$0.00} Between XXXX and Today -- Amount Creditor or Paid {$0.00} Between XXXX and Today -- Invoices or Fees Charged {$0.00} Current Balance -- {$230.00} Meanwhile, XXXX is reporting {$230.00} How did Kingston Data and Credit International Inc. verify the information? This is a clear violation of the FCRA 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and needs to be deleted from my credit report immediately or I will take legal action against the said company.
11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SD 57104	Web
In accordance with the Fair Credit Reporting act. The following Accounts have violated my rights. # XXXX Kingston data and credit international Inc. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. I Noticed that my credit score has been dropping a few points the past months but didn't think much of it.. then i noticed a huge drop recently and investigated and noticed that this Kingston data has been reporting late payments.. i have never done any business dealings with this company nor the anytime fitness that they are associated with ... nor have i given them permission to my credit information. this is fraudulent.
07/29/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 80228	Web
I had a gym membership to XXXX XXXX fall of XXXX in XXXX. I cancelled the membership and moved to XXXX. I have a year worth of debt collections for a year membership and I 1 ) cancelled the membership because was not in the same state and more than 2 hours from any XXXX XXXX 2 ) the membership they are charging me for was for XXXX and was during COVID and all gyms were closed I have tried to contact the original gym in XXXX, the corporation of XXXX XXXX, and the debt collectors and have called all of them more than 50 times and I am not getting responses. Either playing phone tag or no calls back after leaving voicemails. I am extremely frustrated and want to get this figured out because it is effecting my credit score
09/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85207	Web
I contacted a company called Kingston data and credit due to a collection from a gym on my credit report. After trying to play games with me about the verification I did receive an email from them admitting that they could not get a hold of the original creditor although they had tried and would be removing it from my credit report. I do have the email from them. I just looked at my credit report and found that they put it as a charge off. I have the documentation as well as all the communications between myself and the debt collection agency including the letter stating that it would be removed. As well as a copy of my credit report showing it as they charged it off instead.
08/25/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WI 54880	Web
I was contacted by Kingston Data and Credit. When they called they did not disclose they were recording me, they didnt state the mini Miranda and they didnt even provide my balance. All of which are not in compliance with the FDCPA. Also they said they would send a copy of the original contract to me and then called me back and left a voicemail stating that they dont have a copy of that and I would need to contact the creditor directly. This was for an anytime fitness membership that I cancelled in the middle of the pandemic when the gyms were closed. Anytime assured me they cancelled my membership then turned around and put my account in a freeze instead which was deceptive.
07/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43160	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
08/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92056	Web
I got a phone call from XXXX XXXX in XXXX XXXX, CA in XXXX, XXXX asking me to join. I declined and stated that I already have a membership at another gym in XXXX XXXX. In XXXX I got a call from Kingston Data and Credit attempting to collect a debt that I do not owe to XXXX XXXX. I have never been in an XXXX XXXX gym and I have never had a membership at XXXX XXXX. I called XXXX XXXX and they agreed that I dont have a membership there and said they would cancel the record. Then Kingston Data and Credit posted a negative remark on my XXXX XXXX credit report that I owed XXXX XXXX a debt. That is a false statement on my credit report that I demand be removed.
09/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 350XX	Web	Servicemember
ON XX/XX/2021 I NOTICED AN ACCOUNT ON MY CREDIT REPORT IN THE RESULT OF IDENTITY THEFT. I CONTACTED KINGSTON DATA & CREDIT TO WARN THEM ABOUT THE FRAUDULENT ACTIVITY. THIS COMPANY FAILED TO INVESTIGATE AND PROVIDE ME WITH ANY AND ALL SUPPORTING ITEMS REPORTING INACCURATE AND FRAUDULENT INFORMATION ON MY CREDIT REPORT WHICH IS A COMPLETE VIOLATION. THIS ACCOUNT HAS NOW BEEN SENT TO A COLLECTIONS FOR DEBT THAT I DO NOT OWE BECAUSE OF THE LACK OF KNOWLEDGE, INTEGRITY, PROFESSIONALISM, AND BEING COMPLIANT AND REFUSING TO INVESTIGATE AT ALL. LEAVING ME TO HAVE A DAMAGED CREDIT REPORT FOR SERVICES I DID NOT OBTAIN
11/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 90220	Web
Theres a gym called XXXX XXXX they tricked into a membership to sign up for a promotion they had for {$1.00} a month and then turned around and said I owe them around {$2000.00} dollars! Now they have sent my account over to a collection agency named Kingston collection Ive tried to dispute this with both the gym after they never canceled my membership after the first month of me requesting to cancel it they also told me if I didnt work out there after that month it would be automatically terminated! I would like this matter to be properly resolved and Kingston collection to take me out there database!
08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28314	Web	Servicemember
The company never contacted me about Debt Collection and reported to the credit bureau that it was in collections. The original creditor is XXXX XXXX informed me and my fiance that there was no debt when we cancelled the contract, a contract that we entered into because we were promised things by the manager at the time which was rescinded a week later by the new manager. The original company that was hired to collect the debt said they closed their files on the case as there was no debt. See attached file. Never once did XXXX reach out to me to discuss this, which is why I am filing this complaint.
12/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77346	Web
Kingston Credit did not call or mail me any documents informing me that the owner XXXX of XXXX XXXX sent my account to collections. I was never contacted by XXXX stating a balance was due nor sent any correspondence by Kingston. I wasn't aware of this debt until viewing my credit report to day. This violates my right as a consumer of written notice of the debt, and my right to dispute this erroneous debt before it hits my credit. If they did make an attempt to contact me by mail, I no longer live in XXXX, Tx. I currently live in XXXX, Tx and for almost 2 years.
07/07/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TN 38501	Web	Servicemember
I bought a car from XXXX in XXXX Delaware. I only had the car 30 days and transmission went up. The car was over heating and I called them they told me to drive it that it would be fine but the transmission blew due to them making me drive it. There is a lemon law in that state. They called me several times and threatened me and my boyfriend that if we didn't pay they were going to sue me when it was there fault. They even offered 2 pay for the work because it was there fault then when the place called and said how much then that's when they wanted me to pay.
11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98033	Web
Account was paid in full and closed due to seriously injury requiring XXXX XXXX XXXX/moving out of state. Any charges afterwards are fraudulent charges made by XXXX XXXX XXXX. Further, no written notice was received by me from XXXX XXXX XXXX by email, paper mail ( which was forwarded to new out of state address ), or my mobile number, stating that any amount was due or that any amount was sent to collections. Any additional charges claimed by XXXX XXXX XXXX are fraudulent attempts to invent a debt that is not owed.
06/13/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70065	Web
On XXXX XXXX2021 a collection account from KINGSTON DATA AND CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX was reported on my transunion credit account without any attempt to contact me through phone or through mail about the debt. This is an old gym membership that closed and went out of business. I have tried to contact the number reported on my credit account and the number is out of service. Havent been able to contact this company to get this issue resolved and removed from my credit report.
08/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97223	Web
In XXXX of XXXX, COVID closed everything and so I called to cancel my XXXX XXXX membership. The gym was not open, so I called to cancel. I have not received any charges on my account, indicating it was closed, however now I have a collection agency XXXX XXXXXXXX XXXX XXXXXXXX trying to collect {$230.00} for a debt to XXXX XXXX. I contacted XXXX XXXX and visited their location on Thursday XX/XX/XXXX and tried to resolve this with XXXX XXXX, but they did not care and redirected me to the collection agency.
12/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 336XX	Web
I reached out to this company last year and they stated that the information on the account had the same address as me but the information was slightly different. They also mentioned that I would receive a response to the validation I requested, yet I have still yet to receive anything. The FCRA states that " Inaccurate, incomplete, or unverifiable information must be removed '' and it also states that if they must respond or the accounts have to be removed.
04/20/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33634	Web
On XX/XX/2020 I received a phone call from Kingston Data Credit International saying I owed a gym membership which I cancelled via certified letter. I was told by the collection company that I needed to pay {$170.00} or that the company is going to report this to my credit report I even have a voicemail from a woman saying the same thing. I have received no letter from this company or correspondence from this company.
05/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22630	Web
In accordance with the fair credit Reporting Act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I did not sign a contract with Kingston Data and Credit International so for that reason i should not owe the debt they're trying to collect.
10/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95112	Web
This complaint is in regards to the original complaint XXXX RE : Attempts to collect debt not owed to XXXX XXXX and XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX and XXXX XXXX XXXX claims to collect debt not owed and have damaged the consumer 's good XXXXredit score. This company 's collection practice is illegal in California and they need to be investigated for collecting debt that never existed to begin with.
12/02/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71112	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
05/13/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 22193	Web
XXXX membership for XXXX plus XXXX for processing, which I paid. I received a debt collection letter from Kingston Data and Collection international, for a bill of {$590.00}. I tried calling XXXX, XXXX XXXX, bad phone connection, much static. I researched the company on the internet, based in XXXX, but per the letter they are in XXXX, NY. Debt incurred XXXX? 2015, not correct.
06/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 730XX	Web
I went to this gym 2 times almost 5 years ago!!! Never went back and canceled. I was under the impression that I was on a month to month and could cancel anytime. Its been almost 5 years ago XXXX of 2016 and Ive never heard anything from them and now theyre trying to sell me debt to someone and slap it on my credit 5 years later! This is ridiculous.
11/29/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90220	Web
Prove that I walked into to this gym and signed these documents! Prove that I agreed that I received anything with my signature on it! Also you never responded to the XXXX credit letters sent to your company addresses how much you guys paid for this debt amongst other questions your obligations as a agency have to answer! Your company is a fraud!
09/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78640	Web
On XX/XX/2020 a validation letter was delivered with certified mail to Kingston Data and credit at this day I dont receive anything to validate that debt I want them cease collection activity I dont want contact by this company anymore. I dont want them reporting such invalidated information to major credit bureaus.
12/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19320	Web
I have reached out to both the original creditor and the collection company about the debt. I had cancelled gym membership with XXXX XXXX in 2018, last year they came looking for {$96.00}. I told them i didnt owe the money. now that its in collections nobody will respond to my validation letters.
04/12/2020	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30052	Web
I was called at XXXX and told that the collections company calling was a Credit Reporting Agency. After keeping me on the phone for over five minutes and being barely comprehensible to me, and after I figured out that they were a debt collections company, I told them to only contact me via mail.
12/08/2022	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	HI 96744	Web
I received a call at XXXX regarding a debt they are claiming I have regarding an XXXX XXXX account that I have no knowledge of. During the call the agent became very agitated when I asked for company information to the extent I had to call back. Its Kingston XXXX.
03/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89436	Web
XXXX XXXX XXXX XXXX XXXX at XXXX - XXXX XXXX XXXX XXXX XXXX account # XXXX has been sending me a collection notice for {$410.00}. I Don't know this company. I've never had any business with this company. This company doesn't have any contract with my signature.
11/20/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90220	Web
This gym named XXXX XXXX is accusing me of signing up for there gym and continuing to work out which is false! I never signed up for the program there talking about and now they have passed my debt to a collection agency which is trying to get money I dont owe!
07/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44111	Web
Ive never been contacted never heard of this company KINGSTON DATA AND CREDIT and the this is not my debt I never had a membership with XXXX XXXX XXXX my brother stole my identity and I have been going through this for month I have a police report number
11/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90220	Web
This company keeps stating that I walked into this gym and signed documents agreeing to pay for this membership that I dont recall ever doing and Im asking proof of me walking into this gym and signing these documents! This is fraud!!
09/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 461XX	Web
XXXX XXXX contract termed not renewed. Account sent to collections because contract was not canceled in time and business attempted to renew contract without consent. Amount owed is completely inaccurate and inappropriate.
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OH 448XX	Web
They sent papers saying I owe this debt the names are two different companies they sent me information about me owing them I never signed a contract with that company so they need to remove this collection from my account
06/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34741	Web
XXXX DID NOT PROVIDE ME PROOF OF THE FOLLOWING COLLECTION ACCOUNT. i have no knowledge of this account. I would like XXXX to not report inaccurate information on my report
10/31/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WV 260XX	Web
Today, XX/XX/XXXX at XXXX XXXX I received and email, stating that I owe {$760.00}. They gave me a number to contact and I have got no response. I do not know what to do.
12/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19320	Web
I had cancelled before the contract date was up. I was told I owe no obligation. I'm not paying {$1000.00} for a mistake especially because of a Gym Owner messing up.
11/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90220	Web
This company is making a fake charge under my name and has it on my credit report and accused me of having knowledge of this agreement where I owe {$2000.00}
10/05/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60502	Web	Servicemember
They are attempting to collect debt in Illinois, while contacting me from XXXX, without an illinois license. This is against ( XXXX XXXX XXXX. XXXX. XXXX ).
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 448XX	Web
I asked to verify it belongs to Me and they said they do belong to me with no real proof names on the account are not the same
07/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48091	Web
I checked my credit report and seen a debt collection that I have no knowledge of.
04/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92262	Web	Servicemember
XXXX the amount is {$170.00} the company name is KINGSTON DATA AND CREDIT
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OK 735XX	Web
I paid it and disputed it and it reported as not paid still
02/06/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33040	Web

02/02/2024	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 440XX	Web

12/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34476	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21703	Web

12/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23222	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31639	Web

11/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75001	Web

10/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19464	Web

10/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48081	Web

10/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48081	Web

09/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30224	Web

09/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30292	Phone

09/07/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 55987	Web

08/29/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22030	Web

08/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95112	Web

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20002	Web

07/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IA 50208	Web

06/29/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92879	Web

05/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60480	Web	Servicemember

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32837	Web

03/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37122	Web

03/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37122	Web

03/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70090	Web

03/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37122	Web

02/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37122	Web

02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37122	Web

02/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90044	Web

02/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78640	Web

02/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33579	Web

01/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80526	Web

01/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71129	Web

01/22/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29910	Web

01/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60612	Web

01/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37356	Phone	Servicemember

12/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 38732	Web

11/16/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 10549	Web

10/31/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34208	Web

10/13/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 334XX	Web

10/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70770	Web	Servicemember

10/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32837	Web

09/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23225	Web

09/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78744	Web

09/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78744	Web

07/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	XXXXX	Web

07/27/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32536	Web	Servicemember

07/26/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30312	Web

07/15/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21040	Web

07/08/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21040	Web

06/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75204	Web

06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18052	Referral

06/09/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85251	Web

06/08/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85251	Web

06/02/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77384	Web

04/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43207	Web

03/29/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33324	Web

03/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30236	Web

10/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web

10/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 16066	Web

09/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MN 55411	Web

08/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43154	Web

08/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85005	Web

08/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85005	Web

07/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 34788	Web

07/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 27332	Web

06/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web

06/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77008	Web

06/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07422	Web

03/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94949	Web

03/22/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	NE 68050	Web

01/05/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78256	Web

12/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94577	Phone	Servicemember

07/16/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

05/05/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75654	Web

01/07/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	XXXXX	Web

09/12/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone

07/12/2017	No	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TX 75098	Web

05/18/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IA 50428	Web