| 07/16/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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While reviewing my credit report on XX/XX/XXXX, I noticed a collection account that was added with the account name MARS Inc. I contacted MARS to dispute the collection account and asked them to verify the debt or either removed it from my credit report. As of today, they have not done either. They did not verify the debt nor remove it from my credit report which is causing immense damage especially since I am an XXXX XXXX XXXX in the United States XXXX.
The XXXX XXXX XXXX XXXX XXXX received a dispute via email early on that this debt was not a valid debit and I in fact did not owe any additional money.
Please note per your date opened that is referenced on the credit report which is XX/XX/XXXX, I was then and currently on XXXX XXXX in the United States XXXX. Prior to moving from XXXX at XXXX XXXX, as stated under the THE SERVICEMEMBERS CIVIL RELIEF ACT ( SCRA ) Benefit and Protection No. 5 Residential ( apartment ) lease terminations 50 U.S.C. 3955.
I informed the apartment complex XXXX at XXXX XXXX in writing that I had received permanent change of station ( PCS ) orders or XXXX orders for a period of at least 90 days. Id. at 3955 ( a ) ( 1 ) ; therefore, had to terminate the residential lease. I also provided them a copy of my PCS orders.
Benefit and Protection No. 5 Residential ( apartment ) lease terminations 50 U.S.C. 3955.
Section 3955 of the SCRA, 50 U.S.C. 3955, addresses the topic of lease terminations. With respect to residential apartment leases, the SCRA requires that the premises be occupied ( or are intended to be occupied ) by a service member or a service members dependent ( s ). 50 U.S.C. 3955 ( b ) ( 1 ). Additionally, the lease must either be executed by a person who later enters military service, or is in military service and later receives permanent change of station ( PCS ) orders or XXXX orders for a period of at least XXXX days. Id. at 3955 ( a ) ( 1 ). To terminate a residential lease, the service member must submit a written notice and a copy of his or her military orders or a letter from a commanding officer by certain methods to the landlord or landlords agent. Id. at 3955 ( c ) & ( i ) ( 1 ). If a service member pays rent on a monthly basis, once he or she gives proper notice and a copy of his or her military orders, then the lease will terminate XXXX days after the next rent payment is due. 50 U.S.C. 3955 ( d ) ( 1 ). If a service member lessee dies while in military service, the spouse of a lessee may terminate the lease within one year of the death. Id. at 3955 ( a ) ( 3 ).
YOUR SECOND VIOLATION IS AS FOLLOWS ; VALIDATION NOTICE NOT RECEIVED BEFORE PLACINFO INFO ON MY CREDIT REPORTS On XX/XX/XXXX, the Debt Collection Rule became effective!
MARS INC ( The Debt Collector ) has to first communicate with me in writing or electronically, and then shortly thereafter, provide me with certain information about the debt.
The law states before this account could be placed on my credit reports, MARS INC was to provide me with a validation notice that would help me identify whether I owe the debt and whether the collectors information about the debt is accurate. I never received the notice with the tear-off form that would have allowed me to send it back to XXXX XXXX to dispute the debt or take other actions prior to it being placed on my credit reports.
MARS INC did not provide me with the following prior to placing the above items on my credit report.
Name and mailing information of the debt collector Name of the creditor to whom the debt is owed Account number ( if any ) associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records The current amount of the debt as of when the validation notice was provided Information about my debt collection rights including how to dispute the debt Proof of assignment of the alleged debt from the original creditor, or proof of your purchase of alleged debt from the original creditor.
Statement confirming that no part of this debt was paid by an insurance cliam ir used as a write off for taxation purposes.
Provide a copy of an original executed contract that contains my signature where I agreed to this debt.
Proof that you have the legal right to act as a debt collector and collect the debt in my State of Residence. XXXX XXXX for Debt Collectors The FCCPA requires all debt collectors, be registered with the state of the person they are trying to collect from.
When can a debt collector report debt to a credit reporting company? ( See below ) There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must do any of the following : ( You did not do this ) Speak to you by telephone or in person about the debt ( You did not do this ) Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally XXXX days, in case it is returned as undeliverable MARS Inc never sent me a validation notice ; therefore, you did not satisfy the requirement to contact me and you can not begin reporting this debt to credit reporting companies.
You are in violation of FDCPA, FCRA, SCRA and FCCPA so please remove this information from my credit file immediately and please note this inaccurate information is causing great damage to my credit file.
**Copy of email sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX final charge Inbox XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXX PM to XXXX, XXXX XXXX, Videos of the apartment are attached below. As you can see everything was cleaned and in good condition except for the carpet which was damaged by the movers when my furniture was picked up because they stepped on a ketchup packet and that is where the red stains on the carpet come from and they damaged the carpet while moving furniture out. The only other thing that was not cleaned was the drip pans and the oven, as you can see in the videos every other thing was thoroughly cleaned because we spent hours cleaning the entire apartment. I am being charged {$110.00} for the water bill which is not a true amount because the water bill is paid whenever the rent is paid due to the two being combined in the portal so it was not even possible for me to pay the rent separately from the water, so there is no way that I can owe multiple months of the water bill when the only month that hasnt been paid is XXXX. Next, as you can see in the videos, the floors were swept and mopped so that {$20.00} charge should be removed. Next, the cabinets were thoroughly cleaned as you can see in the videos so that {$5.00} fee should be removed. Next, I was charged a {$5.00} cleaning fee for the ceiling fans being cleaned when that was not even on the move in sheet so how can I be charged for something being cleaned that was not listed on the form? That fee should also be removed. Next, I was charged {$8.00} for the AC vent being cleaned and that item was also not listed on the move in sheet so that charge should be removed. Next, I was charged a {$200.00} pet fee when I have not owned a pet and no pet lived in our unit. There is no evidence of a pet living in our unit and I was wrongly charged due to assumptions being made by your office due to the carpet which was damaged by the movers. Your office has no evidence of a pet living in our unit so that wrongly assessed charge should be removed. Next, I was charged {$280.00} for the carpet cleaning which is a just charge due to the stains on the carpet but it says that it was cleaned due to pet. That goes back to my last point that there was no pet that lived in our unit and that {$200.00} fee needing to be removed. The only problem with the carpet in the entire unit was the stains in the living room due to the movers stepping on a ketchup packet. There are no XXXX stains or any other stains in the carpet from a pet. Lastly, you neglected to contact myself or XXXX about these charges when we are the ones listed on the lease and you have our contact information. Instead, you chose to contact XXXX XXXX, who is not listed as a tenant on the lease, about these charges. That is very unprofessional because you could have contacted myself or XXXX XXXX about these charges so they could have been resolved and Im also sure that it is not legal for you to contact someone who is not on the lease and discuss the details of the lease with them when you did not contact me first. You can contact me at anytime to go over these charges but I will not be making a payment until the fees that I was wrongly charged are removed and the correct balance is assessed due to the evidence in the attached videos and me being wrongly charged a pet fee.
Very respectfully, XXXX XXXX XXXX
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| 03/21/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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MARS Inc. is currently reporting two different debts on My Clients credit report. Both debts involve allegedly unpaid rent and property damages owed to previous landlords. The first alleged debt is listed as {$1300.00}, and it is mostly made up of tort-like property damages with uncertain amounts that were never determined by a court. MARS Inc. has no real evidence that my client caused more than normal wear and tear to the apartment nor that she has any legal duty to pay for any of the listed damages. The second debt is listed as {$1400.00}, and it also includes alleged property damages that were never taken to court. However, the bulk of the second debt is made of unpaid rent for my clients last two months of tenancy EVEN THOUGH MARS Inc.s own documents show that my client had her entire rent paid by a section 8 voucher while living their. My client denies owing either debt, and Mars Inc. has not provided satisfactory documentation proving she owes the debts. However, the most important part of my clients complaint is that MARS Inc. never contacted my client before putting the debts on her credit report.
Debt Parking is where a debt collector furnishes debt to a credit reporting agency ( CRA ) without first giving the debtor proper validation notice of the debt. The debt collector then waits for the debtor to be denied a job, mortgage, or other loan, and then uses the time-sensitivity of the debtors high-stakes circumstances to coerce the debtor to make payments that he or she would not otherwise make. This sort of debt parking directly violates the requirements of 12 C.F.R. 1006.30. Furthermore, this behavior also violates FDCPA 1692f because it constitutes an unfair or unconscionable means to collect a debt, and it also likely violates FDCPA 1692d because it constitutes conduct the natural consequence of which is to harass, oppress, or abuse.
In my clients situation, Mars Inc. did not contact her about the two alleged debts prior to furnishing her debt to the credit reporting agencies. She did not find out about the alleged debts until after she was denied by multiple apartment complexes with specific instructions that she needed to first resolve the two landlord debts from her credit report before she can be accepted as a tenant. My Client is currently homeless and has been approved for public housing assistance. However, her approval will lapse if she does not find an apartment that will accept her Section 8 Voucher in around 3 weeks. She has been denied by multiple apartment complexes due to the debts reported by Mars Inc. The first apartment complex specifically told my client that it would accept her voucher only if she paid off the two debts furnished by MARS Inc. By parking the alleged debts on XXXX XXXX Credit Report , MARS Inc. has already increased the duration of her homelessness by multiple months. If MARS Inc. contacted my client before furnishing the debts to the credit reporting agencies, then my client would have had time to properly challenge the debt without the looming deadline of her Section 8 voucher 's expiration date.
For the sake of brevity, I decided not to include in this complaint all the reasons that MARS Inc.s evidence of the debt is not sufficient. I have filed a dispute with the big 3 Credit Reporting Agencies, and I am waiting on the results of the reinvestigation before deciding whether to file another complaint based on MARS investigation.
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| 08/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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In XX/XX/XXXX I was served eviction papers due to a month of non payment, which we were withholding due to a breach of the lease that led to habitability issues. In court, we settled. We provided {$200.00}, and they let us out of the lease. All to be concluded by XXXX/XXXX/XXXX. One XXXX/XXXX/XXXX the case was dismissed by the former landlord as settled. Then the landlord, through a bogus company, submitted a claim to the debt collection company reported for {$1000.00}, There was no protocol in place for investigating what was clearly a fraudulent claim by this landlord, and this company in spite of never contacting me, had a derogatory mark placed on my credit report. They did contact me by phone, but never in writing ... and over the phone I expressed that this was an error. I sent them a copy of the lease and a copy of the disposition. ( They state they never received those, but do admit that I made it known that it was not accurate at that time ) They did not investigate when the fraud was initially perpetrated, and they did not any time subsequent for 6 years ... that 's right, they knowingly kept an erroneous mark on my credit report for 6 years. I now have a letter, they just sent it today via fax, that states that the account was turned to them in error and 6 years later, they will finally have it removed. There was never any written information provided until this very moment. As a point of issue, the letter they sent today was an address I held for two years and not a single letter came from them to this address. The claim was, according to the collection agency, supported only by a lease and a statement of non payment with no other verification sought or needed. I believe them to be initially grossly negligent before providing derogatory information to the Credit Bureau, but further had a duty to investigate upon first indication that the information was incorrect, in spite of their claim that they never received anything in writing. They WERE informed, and they actively chose to ignore this information. In doing so I believe they were willfully publishing incorrect information on my credit report, without providing instruction on appropriate dispute procedure, ignoring appropriate dispute procedure and ignoring federally mandated protocols for fair resolution which led to significant troubles gaining housing, medical care and employment. The fact that now they admit it was given to them in error, although they could have checked when initially notified but chose not to is inexcusable in this line of work, and a breach of Federal Law.
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| 10/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I am attached a long pdf in an attempt to explain the list of events by a collection agency trying to collect a debt for an apartment complex I rented from last year.
They claim I had over $ 2k in damages. They kept around {$900.00} in deposits and refuse to apply all of my security deposits to the damages. In addition, there were terms for a walk through that were denied to me. It is in the lease and final move out docs. In addition, they are charging me for carpet that looks great but they say the backing is stained. What? The backing? the carpet was n't even new when I moved in.
At any rate, they are keeping around {$900.00} in deposits, charging me {$1100.00} and now adding on around another thousand for legal fees ... all because I keep disputing and trying to make them get the fees correct.
They have handled my situation so poorly and has now gone from a {$1100.00} debt ( damages that I have not seem proof of as I left that apartment is good condition ) up to {$2200.00}. They are adding on all kinds of legal fees as I try to deal with them and they continue to dismiss my concerns.
I do not believe that these legal fees were necessary. I did not pay the debt originally because they would not apply my full security deposit to damages. I did not pay the original debt because they had me sign a blank for and put in damages later. Damages that I do not think were there ( under the carpet that I could not see ). Over charge on paint. Improper service of summons.
They have put me off and not wanted to deal with my ( seemingly legitimate ) concerns that I am not being charged correctly. Now they want to add on all these attorney fees. Now I am in a position of fear : pay the debt I do not owe or have to pay an attorney to go to court on my behalf for a lawsuit. That seems wrong when the apartment complex has errors in their bill. Why should I have to pay for attorney fees when they will not address my concerns?
They are using a fear tactic. Lawsuit for {$1100.00}. They know that a defense attorney would cost more than me just paying the wrong debt. That seems illegal to me. Yes? No?
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| 02/27/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My husband and I leased an apartment from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX. We signed a 6 month lease. In XX/XX/2019 my husband got notice from his job about changes and relocation. Therefore, on XX/XX/XXXX we went into the office at XXXX XXXX to tender our notice to vacate and find out the fee to be released from the lease. The agent we talk to in order to give the notice asked us if we would like to sublet the unit. we asked how does that worked and she explained to us that it would release us from having to pay for the last two months remaining in the lease or any other fees. We agreed to the transaction. She said that there is a lady waiting to see her who is looking for the size apartment that we have but currently they don't have one available. She said please follow me so I can introduce her to you all and see if she would agree to sublet contract. After speaking with her she was very excited and agreed to the subletting. The leasing agent asked us to use the office computer and complete the subletting documents. In which we did. We move out the end of XX/XX/2019. Some months later we got a email saying we owned for the remaining of the lease and all fees associated. We were confused. I contacted the manager but did not get a reply. I emailed the manger about the matter and she replied she was not aware of the subletting or lease takeover. After I emailed her conversations about it she now said she was aware but we are still responsible for the balance. The management can not justify why they are taking such action in trying to make us pay what we are not responsible for. We professionally cleaned the unit and took video and pictures after moving out. We signed all subletting documents. The manger recently reported this debt to the credit bureaus. This indeed was false reporting. If this matter is not resolved in the next 30 days, Our next step is to take file charges against XXXX XXXX XXXX in small claims court and sending this case to the Federal Reserve
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| 02/24/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My husband and I leased an apartment from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX. We signed a 6 month lease. In XX/XX/2019 my husband got notice from his job about changes and relocation. Therefore, on XX/XX/XXXX we went into the office at XXXX XXXX to tender our notice to vacate and find out the fee to be released from the lease. The agent we talk to in order to give the notice asked us if we would like to sublet the unit. we asked how does that worked and she explained to us that it would release us from having to pay for the last two months remaining in the lease or any other fees. We agreed to the transaction. She said that there is a lady waiting to see her who is looking for the size apartment that we have but currently they don't have one available. She said please follow me so I can introduce her to you all and see if she would agree to sublet contract. After speaking with her she was very excited and agreed to the subletting. The leasing agent asked us to use the office computer and complete the subletting documents. In which we did. We move out the end of XX/XX/2019. Some months later we got a email saying we owned for the remaining of the lease and all fees associated. We were confused. I contacted the manager but did not get a reply. I emailed the manger about the matter and she replied she was not aware of the subletting or lease takeover. After I emailed her conversations about it she now said she was aware but we are still responsible for the balance. The management can not justify why they are taking such action in trying to make us pay what we are not responsible for. We professionally cleaned the unit and took video and pictures after moving out. We signed all subletting documents. The manger recently reported this debt to the credit bureaus. This indeed was false reporting. If this matter is not resolved in the next 30 days, Our next step is to take file charges against XXXX XXXX XXXX in small claims court and sending this case to the Federal Reserve.
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| 03/23/2015 |
Yes |
- Debt collection
- I do not know
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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M.A.R.S. Inc. has been persistently attempting to contact me at my work. They have sent faxes with personal information to an open fax at our office that could have been, and was, picked up by another employee. The letter is a request to garnish pay when no court order has been given, no court date has happened, and no judgement has been made. They have called multiple times, including twice today. The second time they attempted to call another employee answered and informed them the manager was not available and that I could not accept personal calls such as this. The woman calling then informed the other employee that she was collecting on a court ordered garnishment for me ( using my first and last name ) and proceeded to talk to her in an abrasive tone and incredibly unprofessional manner. The employee told her that it was nothing she had involvement in and that she would need to find other means of contact, as this was a business phone and this matter is not business related.
This harassment is unacceptable and has on multiple occasions, caused issues in my workplace. I have the original copy of the fax that was sent, and now another employee that is aware that M.A.R.S. Inc is trying to contact me and garnish my wages over a debt that I am still uncertain of. They have not specified who they represent or to whom I am in debt to. The calls began on XX/XX/XXXX to my knowledge. XX/XX/XXXX they attempted two calls, XX/XX/XXXX a fax, XX/XX/XXXX attempted once, and today XX/XX/XXXX, have attempted twice. I had been unavailable the times they have called, however the employees that have answered have all been made aware of this situation that not even I am certain of.
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| 02/24/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My name is XXXX XXXX, XX/XX/XXXX I had an eviction filed against me by XXXX XXXX XXXX Professionally Managed by XXXX XXXX, I was making partial payments, I tried getting rent assistance from multiple places but it was the middle of the pandemic and things were hard, I was 6-7 months pregnant at the time and lost my job due to XXXX.
On XX/XX/XXXX i delivered a CDC Declaration for the eviction moratorium to the offices of the apartment, they received it and stated that because I didnt have supporting documents they were going through with the eviction for late payment.
Per the XXXX At the time, you did not have to provide any supporting documents of hardship, They filed the eviction and in the court documents it stated I owe {$1400.00}.
The property management sold within the time between then and now, and have sold my debt to MARS, the balance on the credit report is {$3900.00}.
Ive gotten in contact with XXXX XXXX and have been talking to XXXX XXXX XXXX, XXXX Vice President of XXXX XXXX XXXX Multifamily They had no record of the signed declaration, and are not being very helpful to come up with a solution, She said my balance was {$3900.00} due to rent owed and damages to said property but, court documents do not state any damage to property.
Ive tried getting in contact with both more and i have heard nothing.
They completely ignored the CDC declaration I delivered. I shouldnt have been evicted at the time, I ended up pregnant with nowhere to go and now Im unable to get any type of rental to provide a home for my son due to there lack of attentiveness.
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| 04/08/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX refused to fix water damage from the above apartment. It was leaking into our bathroom and the maintenance refused to come back out to fix the issue and then hung up on me and my boyfriend. The property manger then called my phone and said that we either had to move out of the apartment or they would evict us. This all occurred during the very short period of time that we lived there which was from XX/XX/2018 until around XX/XX/XXXX or XXXX, 2018. They were slumlords and we basically complained too much. We have attempted to reach out to them to send us documentation of these charges for the debt which is inaccurate. They illegally put us out of the apartment knowing that I had to small children and just relocated from XXXX, XXXX to move to XXXX, XXXX where I have no family. XXXX XXXX is no longer owned by XXXX XXXX but whenever you call XXXX XXXX leading office, you get the run around as far as who the new owner is. I have attempted to contact a lawyer but they stated they could not help me unless emery gardens takes us to court, which they never will because we would most likely win with all of the photos and videos of the property from day one. I never received documentation from XXXX XXXX regarding this debt. You can not put false charges on peoples credit report and get away with it because we were vulnerable at that time and I had to find another place for me and my children to live, otherwise, we wouldve been homeless.
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| 06/08/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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6 months lease was completed as agree. Complex charged an extra month & stated a 30 day written consent was needed before moving.
Rent : {$570.00} Collection amount : {$770.00} Last month of rent was paid as agreed.
Account was removed from report multiple of times.
NO LAW DESCRIBES WHATS A COLLECTION IS..
XXXX XXXX was sold to a 3rd party 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction XXXX XXXX violated my right to privacy by selling & giving my information to a 3rd part without my written consent.
I never gave M.A.R.S INC written consent to furnish anything on my Consumer Report Acct : XXXX ( doesnt display full account number ) 3. 18 usc 8 : Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
If such alleged debt do exist then by law it is obligation of United States not me.
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| 08/31/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Around XX/XX/XXXX we were residing at XXXX XXXX XXXX, owned by XXXX XXXX. During this time our apartment had begun to leak large amounts of water when it rained. Eventually it resulted in us having to call the fire department. This problem was never resolved. After repeated contacts to a XXXX XXXX who did eventually offer us another sub par unit, we moved out. XXXX is now over a year later attempting to seek money for their flooded unit, using deceptive and dishonest methods. Just yesterday XX/XX/XXXX A Mars 's Inc here in XXXX contacted us trying to collect XXXX, I then called XXXX, and spoke to a XXXX XXXX. She informed me the fees were for cleaning, breaking our lease, and so fourth. She later had to call back because she discovered what I had previously claimed was true. So she now has informed Mars Inc that we allegedly owe {$360.00}. XXXX XXXX according to XXXX XXXX has left the company, and no longer works for XXXX XXXX XXXX. However I am very careful to keep all Emails and Pictures, including the one where XXXX XXXX offered us another unit, and all the emails where she talks about having the roof professionally fixed, but never did. I can't express how disgraceful XXXX XXXX XXXX and XXXX XXXX actions are, we are under no obligation to rent from XXXX XXXX XXXX and had discussed moving multiple times, it is clear that Mars Inc has been hired out of retaliation after XXXX XXXX left, because XXXX is mad that we left.
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| 06/16/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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My husband and I broke our lease at our apartment complex when we purchased our home. Our apartment complex was going to charge a large processing fee to run our credit card so i chose to allow the account to go into collections and to pay then directly. I called the exact day this awful company received my account to attempt to resolve the account. I spoke with XXXX XXXX ( one of the rudest people on the face of this planet ) and she discussed my debt without verifying me or giving me the Mini Miranda ( required by federal law ) and advised me that if i paid $ XXXX/month she could prevent the account from negatively impacting my credit. When i mentioned she had not given me the mini miranda she got very hateful and ugly with me and said that she did not like my attitude and because of that she would not allow me to prevent credit reporting and if i did not resolve the account in 30 days she would make sure it was credit reported. When i mentioned this was a UDAAP violation she then transferred me to her manager ( who isn't a decent enough person to be an employee of a minimum wage fast food chain much less a manage ) and when she said she could assure me the account would not hit my credit in 30 days i said i was aware that it wouldn't hit my credit in 30 days because that would be illegal. She got very ugly just like everyone within her company and said " when did you get your law degree ''.
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| 06/12/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I knew an account was being sent to Mars INC. on XX/XX/18 so I contacted them with the intention of setting up a payment plan. My main concern is credit reporting and preventing credit reporting. The representative had provided me the balance and that she would require $ XXXX/month to prevent credit reporting and that it is a courtesy that keep an account from credit reporting. I mentioned that they were in violation of FDCPA by not providing the Mini-Miranda. She said " we haven't discussed the debt '' ; which we had when she disclosed the debt without verifying 2 pieces of information. She then gave the Mini-Miranda and said that because I had an attitude she would not work with me to prevent credit reporting and that she would make sure the account was placed on my credit report. She then transferred me to a supervisor who was very rude about me asking my questions. When she said they wouldn't place the account on my credit report for 30 days I responded with " I know that would be illegal '' and she got snippy with " well when did you get your law degree ''. I work at a XXXX XXXX and am very aware of FDCPA and UDAAP. and it is in violation of UDAAP to tell me that because she did not like my attitude they would not extend the same courtesy to me as they would another consumer and to question where I got my information simply because I do not have a law degree.
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| 02/16/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Me and my roommate XXXX XXXX moved into the apartment which at that point was called XXXX XXXX XXXX. On or about XX/XX/2014. It is now called XXXX XXXX. So I check my credit a couple of years ago and it is on my report {$1300.00}. I have disputed this matter a couple of times. I filed a complaint through y'all just two or three days ago. Yesterday I called Mars Inc which is the collection agency. The representatives name was XXXX. She told me I was the leaseholder and XXXX XXXX was the occupant. This is a complete and total lie due to the fact my credit was not up to par to be able to sign the lease. I still live with XXXX XXXX and yesterday he got on the phone with XXXX and told her he was the one who signed the lease and I was occupant. She then says " okay so you want to take care of this dedt for her ''.? She was very rude and when he asked can she produce the lease she says once again so you want to pay the debt for her. Never gave him a yes or no answer that she can produce lease. This is the worst un professional agency I have ever dealt with in my entire life. It would be one thing if I was the sole lease holder responsible but I am not in this case and my credit as I said before was not good enough to be a leaseholder. Please please help me with this lying manipulative fraudulent company Mars Inc sincerely XXXX XXXX
|
| 03/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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|
My husband and I moved out of our apartment at the XXXX XXXX XXXX XXXX in XXXX of XXXX. We were eight months into our lease, and we had lived there since XX/XX/XXXX. We paid our rent on time every month, we were perfect tenants. We had to move because my husbands job demanded that we move to XXXX. We paid our last moth rent up until XXXX of XXXX. We were told that we had to pay to break the lease even though we were almost done way more than halfway. XXXX XXXX XXXX XXXX then sent the amount to break the least to MARS Inc to collect the debt. I have paid off 30 % owed to the XXXX XXXX XXXX XXXX. XXXX XXXX at MARS Inc had threatened that I would be sued and that my property would be seized if I didn't pay the remaining amount. She then denied this, even though the phone system says the conversation is being recorded. I have reported the threats to the manager at XXXX XXXX XXXX XXXX, and she stated that she has listened to the same reports from different people. I'm asking that the debt be forgiven and taken off our credit reports due to the fact that we were almost done with our lease and we have lived there for nearly three years, paid our rent on time and followed all rules, paid 30 % of breaking the lease, and being harassed and threatened for 1.5 years. I no longer want phone contact with MARS Inc, only mail.
|
| 01/22/2024 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Mars inc- XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX XXXX XXXX XXXX ks I moved out XX/XX/XXXX I have email after email where I tried to alert of move out and uploading proof The above did not send me ANY statement until XXXX claiming damage then claimed I didnt move out and continues to change the statements which is fraud the Mars inc that was hired by XXXX XXXX XXXX ample evidence that XXXX XXXX XXXX company did not follow Kansas legislation and can not just change statements to there liking and furthermore the claim is moot due to Kansas legislation that states they have 14 but no more then 30 days from date of move out to give refund or itemized statement they did nothing until XXXX and actually owe me. Even with the proof sent to mars they refuse to take this off my credit report or give me my monies back they actually owe me ( XXXX ). XXXX village continue to disregard laws or even pay taxes and someone has to stop this.when they took ownership they gave no one any information ie new phone new email And doors remained lock also have video and fb posts of others who were unable to contact them they stated they would honor my request that started weeks before XX/XX/XXXX.
|
| 09/18/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I disputed their information. I sent proof of payment. I contacted original creditors and was told since the employee that sent me the email is no longer working there they cant do anything and the email I received is not valid and they can only go off what is in their system. After that the collection agency updated my credit file to demonstrate a more recent delinquent date. I moved from these apartments in XX/XX/XXXX. They did not report this until after a year later in XXXX, when I never even owed this amount in the first place. When I was purchasing my home in XXXX, I found about this debt and had to pay it off for home qualifying purposes. I was assured i would receive a debt deletion letter which was never received. However, Now with their new update I am being told that his will not be removed until XXXX or XXXX, almost 10 years. I have been disputing this charge for years and have provided this agency ample opportunity to make corrections without any resolution but rather more frustration. As the letter that they gave me says I wont dispute the credit card, I have never had a credit card with them.
|
| 08/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Ive exercised my rights to request validate debt and permissible purpose XXXX received no response. XXXX put on notice The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.
DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING. Its still reporting. Want removed off my consumer credit file also {$1000.00} per violation 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
|
| 07/25/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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On X/XX/17 I received a letter and a call from MARS Inc. stating I owed {$1400.00} to XXXX XXXX XXXX. According to MARS Inc. they collect on accounts for XXXX XXXX XXXX and this amount was due for amounts owed from moving out of an apartment I rented from XXXX XXXX XXXX. I disputed this amount through letters and several communications. MARS Inc. then started reporting this amount to the Credit Bureau 's. On XXXX/XXXX/XXXX I sent a very detailed letter to XXXX XXXX and XXXX XXXX XXXX explaining why I did not owe this debt and in fact XXXX XXXX owed me money, they did not respond and continued reporting this amount to the credit bureau 's. Due to this I filed a small claims action on X/XX/17. I won the small claims action on X/XX/17 and was awarded {$570.00} plus interest. A few days later MARS Inc. called me and they knew about the judgment against XXXX XXXX XXXX but informed me I still owed {$880.00}. I sent a copy of the Petition I filed and the Journal Entry of Judgment to MARS Inc and they are still reporting that I owe {$880.00} to all the Credit Bureau 's to this day.
|
| 09/28/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I filed a previous complaint regarding M.A.R.S. Inc and XXXX XXXX XXXX with this agency regarding the false reporting of a collection account to the credit reporting bureaus. I also attached court documentation. Since this agencies decision, we again went to court due to XXXX XXXX XXXX not paying the judgment against them in my favor. This was a small claims judgment in XXXX County KS # XXXX on XX/XX/17 for {$490.00} plus court costs and fees. The judge ruled that they were not to offset this amount on what they " claimed '' I owed them as I owed them nothing. However, they have continued to report this as a collection account in the amount of {$880.00}. They originally were reporting this collection amount as {$1400.00}. They even verified this debt to the CFPB during the original investigation stating this amount was verified by XXXX XXXX XXXX as correct, when they knew full well that it was not. I sent M.A.R.S Inc all of the court documentation and they continued to knowingly report a fraudulent account.
|
| 06/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
Mars INC. Representiave contacted my Aunt XXXX XXXX on XXXX XXXX 2015 and by voice mail informed her that XXXX would be meeting me to discuss my debt with them. On XXXX XXXX 2015 My Aunt was contacted by the same person again, again another voice mail was left asking if she had gotten in contact with me and for her to call me to call her. I contacted MARS INC at my earliest convience which was three hours later due to the fact that i currently am an active duty soldier XXXX. When i Finally got through to the company i was verbally assualted and told i was breaking the law by not paying my bill. i told XXXX that i have done some research on the consumer protection act and it states that you XXXX can not call the same family members more than XXXX and XXXX you can not leave voicemails telling family members to get in touch with debt collectors and she had such broken XXXX rules. She told me this was not true and she could " call anyone she wanted '' to try and get a hold of me.
|
| 03/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Problem with personal statement of dispute
|
|
Web |
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|
The account on my credit report from MARS INC is inaccurate and I have been trying to receive information to contact someone reporting this false information. This debit was falsely added in XX/XX/2018 and I disputed it recently. It took them the entire 30 days just to claim that the debit is accurate which is untrue! MARS INC and XXXX XXXX XXXX ( now under new managemt which makes it more difficult to give my attorney any information on who to actually contact ) needs to take this account off. I need to know who is reporting this false information. The apartment complex illegally kicked me and my family out because we complained too much. They did an eviction without going through the courts basically to save themselves time and money. That is illegal to do in the state of Kansas without cause and paperwork which me or my boyfriend who was also on the lease never received. I need to know who to contact in order to take them to court.
|
| 04/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
Servicemember |
|
Tried to call company and ask for information about debt. Caller took down my information and explained to me the debt which was fine. Then I started asking credit information as far as will it be removed from my credit report once it is paid. She told me that they made several attempts for me to pay the debt and I would not so therefore they are not going to take it off my credit report even after I pay it. I told her, I never heard of that, usually if you pay it they will take it off your credit report unless it is public records. She said I need to do my research, got mad at me for disputing what she told me and hung up on me. So I called back to try and talk to another rep. I explained to her what had just happened and she was being just as rude and told me the reason why she hung up on me is because They Are Busy. I told her they are rude and do not worry about it and I hung up. Then I called back just to get the company name.
|
| 11/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
So on XXXX XXXX of XXXX XXXX the apartment complex I was staying at sent what they said I owed to them to a collection agency. At the time being young and not knowing how this would affect my credit score I wasn't even notified that I could dispute these unnecessary charges against me so I did nothing because I didn't have the funds to pay for it. They added an extra XXXX XXXX dollars on top of my rent without even speaking to me. This was based off of a complaint from a neighbor who lived upstairs from me. The neighbor reported to the office that I had a pet that I did not have. That alone still makes the balance at a little over {$1200.00}. They never explained what the extra {$620.00} added on top of my rent was for. The only thing I could think of was that I left some things behind. They had no right to charge me that much. Plus they still had my deposit.
|
| 07/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 05/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The original credit card company charged off my account as bad debt, meaning they can not collect on it. If they do it would be fraudulent. M.A.R.S INC claims to have paid off my debt and now wants me to pay them. I did not authorize whatever the agreement my previous credit card company has with M.A.R.S INC. I DID NOT ASK for it nor are they privy to contract with me. M.A.R.S INC. has been negatively reporting on my credit report for 4 YEARS, 11 MONTHS and I am done being harassed and bullied by them, trying to trick me into contracting with them. I've disputed many times and the credit reporting agency refuses to listen to me. M.A.R.S INC only responds to my dispute with old bills from previous company. NOT THEM.
|
| 12/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Mars collection company call me four times to collect on XXXX XXXX. XXXX I ask them to please take me to court.That I was not paying that amount four the apartment was not in good condition.Such as water coming out of the floors I complained 7 times in two months..The doors to the bath room was coming off the hinges and my wife was attacked by 10 people and there kids.. the manager asked me what would u like me to do.. they refuse to take any action. Or correct the problems..instead I moved out because my wife has XXXX XXXX and it was making her even worse ... then they charged me for moving out of apartment me could no longer live in because of condition and I was tired of complaining..and nothing was getting done
|
| 10/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I reached out to MARS collection, to verify a colection that was reported on my credit the information below in order to verify debt. I recieved an email missing half of the information and was addressed to another party. I would mars to properly verify debt according to texas laws.
The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance, signatures showing I am liable and responsible for this debt The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101
|
| 06/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was called by a debt collector M.A.R.S in XXXX, Ok. I had asked what would happen if I couldn't pay off the debt, the man responded " it'll stay on your credit & you'll never be able to rent another apartment '' the reason why I even have an {$800.00} debt from XXXX XXXX in XXXX Ok, is due to them charging me for rent that " didn't get paid '' since they put more money on my XXXX from XXXX XXXX ( called refund prepayments ) that they should've but I'm the one being held responsible. I'm being charged {$300.00} for rent, and a prorated move out fee I shouldn't be, I was told that I would only pay {$30.00}, not {$70.00}, but somehow I owe both those costs. I initially got a debt letter XX/XX/2022.
|
| 10/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
M.A.R.S INC. is attempting to collect an alleged owed debt that was alleged Charged off or paid in full on my XXXX report M.A.R.S. INC is a debt collector according to 15 USC 1692a ( 6 ) See ( Exhibit 1 ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you with formal notice to cease any further communications regarding this account immediately. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through medium. *This includes but is not limited to telephone calls, emails, social media, or any Consumer Report Agency.
Rights violated 15 USC 1692c ( a ) 15 USC 1692j ( a )
|
| 07/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I got an {$830.00} debt from the XXXX XXXX sent to M.A.R.S INC in XXXX Oklahoma. they said if I did not pay the debt my credit would be impacted and that I would not be able to rent from anywhere else. I have called to dispute this charge on XX/XX/23 and it's XX/XX/23 and still no reply. {$300.00} of the charge was because a grant was supposed to be placed on my account that XXXX XXXX gave to a different property. I am not paying for things that are not my fault. the communication with this company is terrible. I do not feel comfortable paying a company that doesn't offer reciepts unless paid in person & just sends balance updates unless your debt is paid in full.
|
| 06/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Over 2 months ago I demanded validation of the debt that MARS INC is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.
|
| 03/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This inaccurate debt from MARS LLC is reporting on XXXX, XXXX and XXXX credit files. I have never requested credit or services from this creditor nor their affiliates. This debt does not belong to me. It reports that I co-signed but I never agreed to co-sign for anyone on any debt. I asked for the original contract bearing my legal signature along with copy of drivers license and Social Security card which should have been provided when the alleged debt was created. However, I got no response. None of this documentation was provided to me. The amount reporting owed is different with all three credit bureaus.
|
| 05/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
My lease was up I moved out and the my ex that was on the lease. Her and I split up and the landlord would n't let me remove my name from the lease. And after I left my ex took over I went by to get mail and got arrested for coming to my ex 's place of residence. Then a few weeks later I get told when visiting my cousin that the land Lord sue d me for damage to the property when I was n't there nor allowed by the law to be there and was never told of a court date. Or anything. They refused to let me take my name off the place I was n't allowed to be at. I should n't be responsible
|
| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
M.A.R.S. INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given MARS INC whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
|
| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
M.A.R.S. INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given MARS INC whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
|
| 06/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Regarding alleged debt owed in the amount of {$270.00} to MARS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ok XXXX. The creditor listed on my credit report. Failed attempts to validate the debt listed. I have attempted to reach the above creditor twice via certified mail. First attempt XX/XX/XXXX certified letter was returned with a message stating wrong address. Second certified letter XX/XX/XXXX was returned with message return to sender, vacant unable to forward. The name and address was obtained from the credit report
|
| 08/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
|
| 01/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I moved out of my apartment in 2014 and never received the bill of around {$45.00}! When I checked my score and saw a collections for that amount I called M.A.R.S. Inc immediately and paid the balance and asked them to take this report off of my account! They said if I paid they would remove the inquiry and never did! This was a total accident with no correspondence other than an old bill that I never received! They took this to collections without the proper due diligence. It is neglectful and unprofessional
|
| 04/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have stayed in complete contact with the company. I do owe {$1700.00} and I've paid to where I owe {$1300.00}. I am having financial difficulties and I'm trying to make the paymens. I've have been threatened numerous times. They initially stated they would take us to court to sue us, they've also stated garnishment of wages. Then the person I'm working with literally states that she ever said anything to me. I'm so upset and over them threatening me. I would like to have this situation looked into.
|
| 02/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Reporting invalidated and unverified information to consumer reporting agencies. Buying my Personal Information without my written consent which is an invasion of my privacy. Reporting an alleged debt of {$1100.00} when there is no written contract between me and MARS INC. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) harming my consumer reputation. Violations of 15 USC 1692d ( 2 ) -using obscene language that I, the consumer find abusive.
|
| 06/15/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Account : XXXX XXXX An agreement was made to delete their collections report from mine and my roommates account when the amount was paid. The amount owed was incorrect, I sent the lease to them, to get the amount corrected. They corrected the amount but then reported that we " settled for a lesser amount. '' It was not a lesser amount, it was the CORRECT amount. The balance was paid in full and they still remain on mine and my roommates credit reports.
|
| 08/05/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX never contacted me about alleged debt. I was never given the opportunity to verify alleged debt.
Amount of Alleged Debt XXXX 15 USC 1681b ( a ) ( 2 ) I never gave written consent to have anything from rent grow to furnish information on my report This is an infringement upon my privacy and has cause me to be discriminated against.
M.A.R.S. INC still havent supplied me with evidence on how this information was verified before reporting.
|
| 08/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In accordance with the Fair Credit reporting Act the following account has violated my rights. MARS INC # XXXX, {$4200.00}, U.S.C 1681 Sec. 602 states I do have the right to privacy. U.S.C 1681 Sec. 604 also states consumer reporting agencies can not furnish an account without my written instructions.
This account has been removed from some bureaus and some not, or the very often reappear themselves with a different collector or appear twice.
|
| 01/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX reporting to credit on defaulting storage units. When units were closed and maintaining a XXXX balance. Multiple offenses with multiple customers. The clerk XXXX will cuss you out XXXX you a XXXX XXXX XXXX XXXX and hang up on you before you can even finish what you are asking for. Threaten to sue you or file a restraining order if you ask for any information or contact them again.
|
| 04/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a collection of {$400.00} from Mars Inc all all three credit bureausXXXX, XXXX and XXXX. I do not know what this is for. I have sent several letters beginning In .XX/XX/2019 asking Mars to provide supporting documentation proving this is my debt and if not able to do that to please remove XXXX from all three credit reporting agencies To date they have ignored my requests and not responded to any of my letters.
|
| 05/30/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
MARS is still stating the old amount that we owed. On XX/XX/XXXX XXXX XXXX at XXXX at XXXX XXXX XXXX agreed to take off {$850.00} of the amount that we owed. We had already paid 30 % of the amount that we owed plus the {$850.00} we should only owe a little over {$300.00} now. MARS is still reporting to the old amount before the {$850.00} was taken off. XXXX XXXX said that she has reported this to MARS more than once.
|
| 10/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Mars trying to collect money from me I asked them to send me signed documents and they failed to submit anything. Told them to stop calling me I get calls from different numbers threatening to take me to court asking for my bank information talking disrespectful to me. I dont know these people this is on my credit asked for it to removed due to they cant provide proper documentation I feel threatened at this time.
|
| 01/18/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
A collection account was established on XXXX XXXX, 2011, for breaking a lease due to a military XXXX with proper XXXX indicating XXXX dates. The balance on the account has always been {$0.00}. XXXX XXXX XXXX told me that there is nothing they can do about it being a collection account on my credit history. This is also listed as derogatory on my credit history and I would like it removed.
|
| 02/24/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XXXX of XXXX I moved out of my apartment, the apartment manager allowed other people to live in my apartment after me contacting them and letting them know I was no longer residing at the residence. I didnt authorize anyone to be there under my lease and the apartment complex decided to evict me in XXXX of XXXX! Even though I had been out of that apartment for months prior
|
| 04/30/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I checked my credit report for the XXXX time only to discover that there was a claim of debt that was not true. I have called and requested verification of the debt and they said they would e-mail a bill. I am claiming that the bill was never an agreed upon total and I am requesting some substantiation of the bill, but they can provide none and refuse to remove the account.
|
| 03/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this company is reporting an erroneous mistake, this account does not belong to me, and they have failed according to FCRA to validate this debt they claim I owe with a contract bearing my signature. This collection agency is violating my rights and reporting inaccurate information per section 807-8, please delete this account from my report immediately.
|
| 06/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted this company informing them that this debt is a result of identity theft and they need to investigate since I know I have never been to this medical facility but ignored my requests or remove this item from my credit report. This collection company needs to do a little better to respond and help consumers fight these fraudulent accounts
|
| 10/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been trying to get this account taken off my XXXX for over a year. XXXX and XXXX took the account off because it was not proven to be my account. I lived in apartments with my boyfriend and they had me put my social down for a background check but I never signed a lease with them. I was never contacted about the debt by anyone either.
|
| 07/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
M.A.R.S Has Been Continuously Harassing Me About A Balance Placed on my credit by a former landlord whom lied and falsified documents. I have documentation and they refuse to hear me out or accept anything. Continuously harassing me about something I do not owe this has been going on since 2020
|
| 06/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Mars has placed XXXX collections on my credit profile that are un merited. I do not owe any money to Mars or XXXX. These charges were already investigated and proven to be fraudulent. I requested from XXXX a validation of the debt and they were un able to provide the requested information.
|
| 09/06/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I do not owe this debt its been over 5years on an apartment they claim I owe when me and the company went to court and the case was dismissed without judgement. They are threatening to take me to court when its over the statutory limitations/ and the issue was dealt with in 2014.
|
| 06/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am trying to buy a house as a mother I was denied and then realized negative accounts causing damage on my credit report. I recently filed a police report regarding the issue and I have submit an affidavit listing the account.
|
| 03/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have no knowledge of this collection and it does not report on the other bureaus. I have disputed it previously and requested verification of the debt but it has reappeared and contributed to a recent denial of credit.
|
| 06/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
M.A.R.S company has been calling my job repeated times. There is already a court filing and the case is pending yet they continue to harass me at work and my cell phone during work hours.
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Account paid in full in XX/XX/XXXX. The collection was removed and the account went to " closed '' status. Account reappears as a collection in XX/XX/XXXX.
|
| 02/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have never signed a lease with XXXX nor their management company XXXX.
|
| 08/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Written letters of cease and desist dated XXXX, and XX/XX/2023.
|
| 04/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Disputed and no luck no documents could be provided
|
| 09/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Was unaware of debt until requested credit report
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Didn't get a respond back from the company.
|
| 04/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I AM GETTING REPEATED PHONE CALLS TO MY JOB
|
| 12/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 10/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/15/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 06/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Postal mail |
|
|
|
| 05/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/22/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 03/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 02/20/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/03/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 04/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 02/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 02/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
|
| 12/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 04/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 01/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/19/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 09/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/25/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 09/28/2016 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 06/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 02/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 01/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 01/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 02/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Referral |
|
|
|
| 01/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 01/03/2015 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 10/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 09/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
Servicemember |
|
|
| 08/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/14/2014 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/13/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 11/06/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/30/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 07/30/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 07/22/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|