M. G. Credit, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 322XX	Web
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that MG CREDIT CORP had illegally posted an alleged collection account to my credit report. I have never heard of nor had an account with this company. My report shows that MG CREDIT CORP open account was opened on XX/XX/2020 with a balance of XXXX. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. MG CREDIT CORP, XXXX XXXX XXXX XXXX XXXX, FL XXXX
06/27/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32246	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , fl XXXX To whom i t may concern, MG CREDIT NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of th e Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported corre ctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, XXXX Edition, XXXX , defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), un der oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to p romptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. NAME OF THE ACCOUNT MG CREDIT {$790.00} Account # XXXX XXXX XXXX
06/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 322XX	Web
MG Credit XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX XXXX XXXX XXXX XXXX to MG Credit XXXX In response to your letter with each document sent in an attempt to prove I owe MG Credit on behalf of XXXX XXXX you also stated I owe a lien via DMV and sent some printouts of this involving additional storage fees etc. Let me start by saying I PHYSICALLY visited my local DMV I was given LEGITIMATE printouts from the DMV with verifiable proof I DO NOT OWE ANY LIEN. I ALSO PHYSICALLY visited XXXX XXXX on the same day. I spoke with 2 office managers onsite. Both searched their systems and assured me they have no records of XXXX XXXX at all ever being in their system ASSUMING THEIR SYSTEM ONLY DATES BACK SO FAR. I requested XXXX XXXX PROVIDE ME PHYSICAL VERIFIABLE PROOF of any alleged debt I owe them. After being told they have nothing in their system to give me I then asked for proof I do not owe their company XXXX XXXX has denied ever having XXXX XXXX in their system at all. XXXX XXXX denies all involvement with this alleged debt and was not able to provide me with any supporting documents since they have nothing in their system about XXXX XXXX owing them any debt. XXXX XXXX is requesting I send them the documents MG Credit has sent to me since they have no records of XXXX XXXX anywhere in their systems. XXXX XXXX office manager gave me their cellphone number to help me resolve this issue. With all the lies, deceit, abusive, unfair, false deceptive forms sent to me, all the FCRA/FDCPA/FCCPA VIOLATIONS I have since contacted A Law Firm MG Credit is very familiar with to get legal advice on this matter as this is beyond bizarre and MG Credit is claiming I owe their client XXXX XXXX and XXXX XXXX claims to not know of any of the following alleged debts nor any records/documents of XXXX XXXX at all in their systems . I DID NOT HAVE A VEHICLE STORED ANYWHERE FOR 62 DAYS THESE ARE ALL FALSE CLAIMS. I previously requested MG Credit send additional documents to help prove their claims I only received sketchy-looking printouts with overlays of other wording this paperwork provide by MG Credit is false, deceptive, and unverifiable just HIDEOUS. These forms have no signatures and look old and outdated. Perhaps the Bill of Sale, Master Purchase, Sale Agreements, Terms, and Conditions, and Addendum might help in future issues being resolved outside of litigation. I may or may not attach copies of my TRUE documents from the DMV or just save them as part of discovery. I UNDERSTAND MG CREDIT IS IN THE BUSINESS OF BUYING PAPER JUST MAKE SURE WHEN YOU BUY PAPER THAT YOU ARE NOT BUYING A BUNCH OF JUNK. I DO NOT OWE MG CREDIT ANY DEBT I DO NOT OWE XXXX XXXX ANY DEBT. PERMENATELY REMOVE/DELETE YOUR MARKS FROM EACH OF MY CONSUMER REPORTS AS SOON AS POSSIBLE TO REMOVE YOUR AGENCY FROM YOUR FOUL POSITION. MG Credit MUST BE A FOOL TO RUN AFOUL TO CONGRESS WITH NO REGARD TO THE LEGAL TROUBLES THAT MUST FOLLOW FOR EACH VIOLATION. MG Credit HAS NO CREDIBILITY AT ALL. XXXX XXXX IS REMOVING THEMSELVES FROM THE SITUATION AS THEY SEE LITIGATION IS NOT WORTH LOSING MUCH MORE THAN THE FABRICATED AMOUNTS OF {$1300.00} WILL COST BOTH MG Credit AND XXXX XXXX A LOT MORE IN THE END.
12/15/2017	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 34952	Web
Reference complaint XXXX I have received the creditors response in reference to my complaint. The creditors response is not accurate. Also, the document that was attached to the response can not be opened unless it is opened with a password. I do not have a password and the agent representative I contacted at CFPB today was not able to open it as well. Please provide documentations that can be accessible to everyone. I am requesting to see information MG Credit claimed to have sent me as validation. On XX/XX/XXXX at XXXX MG Credit received the certified letter that I have attached requesting validation of the debt. As a consumer I have requested proof/contract with my signature that binding me to this debt. I requested several proofs for validity and in writing. I requested the information to be sent via mail within 30 days. Nothing was received. Speaking with a representative from the MG Credit in XX/XX/XXXX I was not going to provide information to someone over the phone that I did not know whom I was speaking to. I requested MG Credit to send me proof of who they were and the account that I had with them. The letter was sent a few days later. I contacted MG Credit to discuss the account further. I sent the certified letter to cease contact and provide validity. I requested the following for validation. If MG Credit can not provide me with validation I am requested this collections account be removed from all three credit bureaus immediately. At this time I am asking CFPB to investigate this company and violation of 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I have rights as a consumer to know if this creditor has anyone proof of this account. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary.
06/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 322XX	Web
M. G. CREDIT XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX Dear Sir/Ma'am I am writing in hopes of your agency sending me all required information about this debt your agency has placed on my Consumer Reports. I requested this information previously and never received it. PLEASE SEND ME : Who is the Creditor, Original Contract, the ASSIGNMENT CONTRACT between M.G. Credit and the Creditor, Proof of State License to collect, Line by Line accounting of original account, ( NOT COLLECTION AGENCY ACCOUNT ), Date of Last Activity, Date of First Delinquency, Proof debt owed is within Statue of Limitation for Florida. I dispute this debt or any portion of this debt. I am requesting validation/verification of this debt. If you think I owe you this debt please send me this information in writing. I am looking for accuracy, completeness, and correctness. Please do not call my cell phone. Thanks for your response in advance. XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX AUD- PLEASE PROVIDE ENSURING ROUTED TO PROPER CRA WITH PROPER DATA WHAT IS YOUR JURISDICTION OF THE CLAIMS YOU REPORT-PLEASE PROVIDE MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENCE AND YOUR CONTINUED VIOLATIONS OF THE LAW. I HAVE NO IDEA WHO YOU ARE. I NEVER HAD ANY CONTRACT/ASSIGNMENT WITH YOUR COMPANY. HOW DID YOUR COMPANY RECEIVE ANY OF MY INFORMATION? Proof all rights are transferable 1692. Congressional findings and declaration of purpose 1692b. Acquisition of location information 1692c. Communication in connection with debt collection 1692e. False or misleading representations 1692f. Unfair practices 1692j. Furnishing certain deceptive forms 1692k. Civil liability 1692g. Validation of debts
03/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 47130	Web	Servicemember
I did not give you consent to contact me or to give derogatory remarks on my credit report. I am not liable for this debt. My debt is not with MG CREDIT. My debt is with the original company. I did not give you consent to contact me! You are in violation of my consumer protection rights. I did not sign and legal form with MG CREDIT to attempt to collect a debt from me. 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) I did not give you permission to contact me in any way shape or form. I demand that you take all derogatory marks off all three credit reports or I will be forced to file legal action. Delete these accounts from my all 3 bureaus of my credit report immediately. And cease all communication via any forms of communication immediately. Also, all future attempts to collect this debt must stop. I dont have a written contract with your company to collect this debt and you have violated my rights for years. Please cease and desist all calls and contact with me, immediately! I DEMAND YOU STOP CONTACTING ME AND TAKE ALL DEROGATORY MARKS OFF ALL 3 CREDIT BUREAUS IMMEDIATELY!
03/20/2020	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32177	Web
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MG Credit XXXX XXXX XXXX XXXX XXXX Fl RE : Account Forever vets XXXX XXXX XXXX To Whom it May Concern, Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by XX/XX/2020, I will take any and all necessary steps to protect my rights. Thank you in advance for your attention to this matter. Sincerely, XXXX XXXX XXXX
06/11/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77584	Web
On XX/XX/XXXX, I received a notification that an account was added to my credit report. On XX/XX/XXXX I contacted MG Credit and spoke with a representative that advised that they do not have this debt. Per the credit reporting act the collection agency can not collect on a debt they do not own. Additionally, I was told by the representative that the debt was given to a company that was closer to where I currently reside and that I should contact them regarding the account. I attempted to find out more information regarding why this account was added to my report by MG Credit if they no longer own the debt. The representative refused to put me in contact with their credit reporting specialist and in fact became rude and nasty on the phone. I became aware of MG Credit attempting to collect a debt for a XXXX office ( I last received services from this XXXX office in XX/XX/XXXX, and believed to have paid off the company ). In XX/XX/XXXX, I contacted MG Credit and asked for a verification of debt, in doing so I provided the company with my current mailing address. I never received the verification of debt information and was told that the account would be placed in dispute until I received the documentation. A month or 2 later I received communication from another agency attempting to collect on the same debt. I called that company and again requested a verification of debt and was told that the account would be in dispute. Ultimately, MG Credit opened a collections account on my credit report though they no longer own the debt and without communication or providing the requested information.
08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32609	Web
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. States 1 have the right to privacy. ( Original creditor ) is XXXX XXXX XXXX XXXX it was placed for placed for collection with a creditor by the name of MG CREDIT XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. It also saying that the account is closed but I'm also showing something saying its open. I think its open because of the company selling it to an collector. And the amount of {$1000.00} This was created back in XXXX XXXX XXXX ( 4 years ) 15 U.S.C 1681 Section 604. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
12/13/2017	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 34952	Web
During the month XXXX I was contacted by XXXX XXXX company regarding an account I had with XXXX XXXX XXXX XXXX XXXX. It was a scholarship that was given while I attended college. I spoke with the original creditor to work out something and that was no avail. I also reached out the collection agency to gather information for the account. A letter was mailed from XXXX XXXX stating the amount I owed. On, XX/XX/XXXX a certified letter was sent to XXXX XXXX to validate the date and to cease contact. I had recieved calls from the collection agency everyday at least two-three times a day regarding this account. After the letter was sent I stopped answering their calls. Once XXXX received my validation letter they stopped contacting me via phone. However, validity of the debt information was not recieved within 30 days as I requested. I started to recived phone calls from the company starting XX/XX/XXXX and XX/XX/XXXX. The calls stopped. I requested validation regarding the debt and nothing was receieved. Today, I receievd an alert from myfico regarding a collections account that was added to my credit report. It was XXXX XXXX. I have not recieved the documents that were requested via mail.
04/05/2017	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	FL 32225	Web
Tuesday at approximately XXXX I received a call from XXXX. I was waiting on an important call and thought I would answer, although I do not usually answer unknown numbers. I answered and the person just said XXXX XXXX? I said who is this and they immediately said the were calling about a bill I owe point medical, I said who is this and the man said that I owe a bill and if I do n't pay it will is going on my credit report. I said I do n't owe anything what are you talking about? He then said something and I could hear some one whispering in the background to him and he said I owe XXXX money. I said no I do n't, and you never confirmed you were taking to the correct party not tell me this call is being recorded. He said something I did t understand and kept saying that I do owe and if I do n't pay it is going on my credit report. I told him that that are n't supposed to call me. I have had issues in the past with this company calling and harassing me. They are rude and I previously told them to NEVER call my number again. I will pursue the advise of my attorney because this is causing me undue stress and I have XXXX.
03/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33971	Web
My son was in XXXX in our before we moved. As soon as I knew we were moving I notified the school. It was n't until the week we were moving that I was told to notify the billing company. I did so. Never received a response. Got a collection notice from MG Credit. I immediately requested verification. What I got16 days later was a partial retail installment contract that only verified a contract was signed but was missing the original pages. The original contract is null and void due to the fact that in Florida any company wanting to write a Retail Installment Contract has to be licensed to do so per FS 520.32. Also I have been unable to locate a business license or a DBA in the state database. They were told not to attach this to my credit report and they have. I notified them of their fictitious paperwork on XXXX/XXXX/14. They have since not responded. In my last communication they were given 30 days to rebut it and they did n't. Since then I been sent a new collection from the same company with a different account number. I am rebutting that now.
02/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 328XX	Web
MG Credit has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$9500.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. Account information below : Account number : XXXX. Date Opened : XX/XX/2016 Original amount : {$690.00} I have made my research and MG Credit company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failure to provide notice of collection insertion. Misrepresentation of facts. Failure to mark account as disputed. Bill was contested and disputed which he did not incur, there was no contractual basis for debt. Negligence. Unfair business practices. Because all the damages and violations that I have suffered, I demand to get the account removed from my records as soon as possible. Please send the attached documentation to the company. Thank you.
08/02/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	ND 58102	Web
XXXX XXXX XXXX in XXXX Florida fined me excessively for late payments. Members who are late on paying can not use the gym. The gym fines iare well in excess to the amount of services I agreed to pay for, but also never used. Its absurd to expect someone to pay for services that were never rendered, it is even more crazy to fine people to purposely inflate the cost and use their credit school to hold them hostage. The gym sought to excessively profit off my misfortune through a predatory contract scheme that allows them to not only charge me for services that werent rendered but to charge me excessively. I reached out to MG Credit Corp to settle the account for a reasonable sum, they declined. On X/XX/16 They XXXX offered me a chance to pay off the membership balace {$190.00} ( I did n't have a job so I could n't ) On XX/XX/2016 that had grown to XXXX Now it 's over {$500.00}. This is absurd.
02/15/2017	Yes	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	FL XXXXX	Web	Older American
Re : Complaint against : XXXX XXXX, M.G. Credit, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX On XXXX XXXX, 2017, XXXX. XXXX ( Debt Collector ) sent me XXXX XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, the attached collection letter marked Exhibit ( One ) I XXXX XXXX responded with a Public Law 95-109, Section 805-C, the Fair Debt Collection Practices Act Certified Letter, Exhibit ( Two ) dated XXXX XXXX, 2017. USPS Tracking confirmation dated XXXX XXXX, 2017 confirmed the delivery of the Certified Letter. See Exhibit ( Three ) XXXX XXXX, of M.G. Credit, XXXX XXXX XXXX, XXXX, FL XXXX, sent a response that was undated to attempt to circumvent the law, as I never asked for proof of debt. Exhibit ( Four ) M.G. Credit is in violation of Public Law 95-109, Section 805-C, the Fair Debt Collection Practices Act and they need to be sanctioned and fined for their attempt to violate federal law.
02/25/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 23435	Web	Servicemember
MG Credit Corp reported to all three Bureaus a debt of {$160.00} from a medical bill I am just aware I had 4 years ago. It was my understanding all cost were paid by insurance. Once the account was reported, I called the original debtor and MG concerning the required validation of the matter. I never recieved any of the required information under FTC, I never received notice that I was deliquent, on this account prior to the reporting of the credit bureau, I informed MG if the debt was valid I would pay for a deletion only, not as a debt, they declined to correct thier error. The information further violates HIPPA, law 's as MG is clearly seeking a medical bill from the original creditor that specializing in a area of medicine that makes it clear of my medical history. MG has violated several FTC rules and as well as my due process with adequate notice.
06/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 322XX	Web
MG Credit XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL. XXXX FTC REPORTS ATTACHED I XXXX XXXX Consumer to MG Credit XXXX In response to your claims, I owe your company/your client XXXXXXXX XXXX an alleged debt. I never had any contracts with your company. NO WRITTEN CONSENT may constitute Aggravated Identity Theft. MG CREDIT is in possession of my personal information and I did not give my written permission for this company to access any of my personal information. MG CREDIT used my identification without my permission no consent means Identity Theft. MG CREDIT HAS DAMAGED MY REPUTATION AND DAMAGED MY MODE OF LIVING BECAUSE YOU FURNISHED A CONSUMER REPORT WITHOUT MY WRITTEN CONSENT. 18 USC 1028a AGGRAVATED IDENTITY THEFT MG CREDIT ALSO HAD NO PERMISSIBLE PURPOSE TO OBTAIN MY CONSUMER REPORTS 15 USC 1681b FTC REPORTS ATTACHED
08/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32822	Web	Servicemember
I'm being charged for membership to a country club that I have never visited nor knew of its existence. I barely make enough money to survive and I can not afford any type of membership to clubs or fitness places. This derogatory mark is affecting my credit. Please, see if you can help me to have this removed from my credit report. Thanks. Below is a copy of the charge. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Derogatory marks View all accounts Collections M G Credit Opened XX/XX/2016 {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. Balance {$2200.00} Highest Balance {$2200.00} Opened XX/XX/2016 ( 3 yrs, 2 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX XXXX XXXX
05/09/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32034	Web	Servicemember
I really do not know why this is happening... it may be because someone either used my information, or potentially someone with the same name as mine, even by error that the company refuses to admit, but I have reached out to the company multiple times, and I have disputed the information on my credit reports ( XXXX, XXXX, and XXXX ). The problem is that the company is refusing to remove this charge. I was a client there, but these charges are not mine, and as described to me, some of the charges are for FUTURE XXXX XXXX. The medical office policy is that the charges are paid for at the time of service, so it is impossible that there would be any unpaid balance. Whatever the reason, I would like this resolved. I have perfect credit and I always pay my bills on time, and this is a blemish that I do not deserve.
10/02/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33025	Web
MG CREDIT is inaccurately reporting two medical debts that were previously covered & paid by health insurance. The medical bills of {$240.00} and {$92.00} are older than 7 years have been reaged on credit report to XXXX. I do not owe this b/c it was paid by health insurance carrier of my then employer XXXX XXXX XXXX. I never received validation or verification of these two bills that I previously requested multiple times and have disputed with the credit bureau. I was informed the collection agency doesnt submit written verification of debt to the credit bureaus only verifies consumers name, dob, and ssn. I DO NOT owe b/c these two bills were covered by medical insurance. A collection agency must be licensed in FL and MG Credit doesnt show listed on FL office of financial regulation website.
05/27/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web
I received notice from tis company that I owed them money I have never done business with them. I requested they validate the debt, they send back a transaction sheet, which does not show me any services rendered or what I am supposedly being billed for. The personal information they sent back did not match mine. I sent them another letter after this advising of such and they have now started reporting on my credit. They did not update the account as in dispute nor have they sent me a proper validation of this debt, and that they are contracted by who I supposedly owe this debt too. Per their XXXX reviews I see this is a common violation for them. I have kept all documents as well as my certified mail receipts showing they have received my letters and ignored them.
01/18/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32210	Web
The errors on my report after I received validation Letter from them, On XXXX XXXX contract, my Last name is spelled wrong " XXXX ''. Also on XXXX contract, my email is spelled wrong so I never received any notifications XXXXXXXXXXXX On XXXXXXXX XXXX Contract, there are two different open dates which is circled on paperwork, and also someone changed XX/XX/XXXXto XXXX so someone tampered paperwork to extend debt. The Original date opened is XX/XX/XXXX.On my credit its reporting XX/XX/XXXX. Also there 's no social security number identifying that this debt even belong to me. Neither contract wasnt supported with how much the debt collector payed for the debts nor contracts with Original creditors stating that they have the right to own and collect on the debts.
01/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
On or around XX/XX/XXXX or XX/XX/XXXX I think not percent sure but I went to MG Credit here in my city of XXXX FL and I spoke to a XXXX XXXX male, at a house where when I walked in there were dogs running around so I 'm not sure if they were a business or not.But I saw a new debt on my credit report regarding a gym membership and announced who I was and that I may know about debt but was n't sure.i ask if I can pay for delete and get a letter before I make some kind of payment but he insisted that I pay first then he would give me a letter and delete information.It sounded sketchy so I left.As I walked out of door I also thought to myself that they never sent information in the mail nor validate the debt showing that I 'm obligated to pay MG Credit.
08/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32832	Web
The debt this agency was initially trying to collect was already paid for by myself and the medical insurance company prior to going into debt collections. The debt was resolved with and paid directly to the Medical Practice. I have initiated several disputes to remove the collection from the credit reporting bureau. MG has marked the collection as paid when it is in fact not truly a collection or even one resolved by the collector. I continue to ask them to remove from the credit bureau to no avail. The latest dispute has been attached along with a reply which offers false information. A statement request has been submitted to my doctors office asking and can be provided upon this bureaus request.
08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90745	Web
In accordance with the Fair Credit Reporting Act, MG Credit Account # XXXX, violated my rights. I have never done business with MG Credit. MG Credit illegally reported invalidated information to my XXXX report. In addition to, pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 602 A : I have a right to privacy. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish an account without my written consent. Lastly, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), I requested an investigation and debt validation. However, I did not receive debt documentation to validate debt.
07/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32065	Web	Servicemember
I signed up for a gym membership with XXXX XXXX and thought I signed up for a 12 month membership and found out later it was a 24 month membership. Subsequently, I had to return to XXXX to care for my mother who was having XXXX XXXX issues. I attempted to cancel my contract as I was moving out of the country and to my knowledge there are no XXXX XXXX in XXXX XXXX. I was told that I can not cancel my contract and would be responsible for the entire contract balance. The account is now with mgc and the balance continues to increase and I can not figure out why. This is criminal that mgc continues to tack on fees and additional charges to my account and currently I have a balance of {$500.00}.
10/29/2021	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	FL 32244	Web
So my credit balance shown on my credit report is, and always has been {$1700.00}. But when I requested info to pay, I am told the balance is over {$2300.00}. Where is this extra {$500.00} for? Found out the extra amount is for fees, etc. Something that they just add without telling you til you're ready to settle. Apparantly if I return the product ( which I dont have, or access to ) is returned it may be reduced by {$260.00}. So just spoke with XXXX, and he wants me to change/delete this review. Now he was rude, and demanding. And is now unwilling to settle for anything less than the $ XXXX So, sure I will edit it. You're name is added, and more info for you. Too bad I can't give a big ZERO.
03/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32208	Web	Servicemember
I am filing a complaint against MG Credit as I do not have a signed contract with their company. This company is reporting negative information to the credit bureau which is impacting my credit worthiness. I have also attached the search results for Florida which is not showing an active license for this collection agency. According to the state of Florida Attorney General office they most have an license in order to collect in Florida. Please have this collection agency submit an active copy of their license to collect in Florida. If the company can not provide, I am requesting this negative account to be removed from my credit file as well as not sold to another collection agency.
05/26/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
M.G. Credit is attempting to collect on a debt that was dismissed by XXXX County Courts per the petitioner for the debt. The monies allegedly owed are also being reported on my credit reports as well. Document clearly show PLAINTIFF ASK THE COURT TO DISMISS, WITHOUT PREJUDICE PLANTIFFS COMPLAINT FOR EVICTION AND DAMAGES, PURSUANT TO RULE 7.110 ( A ) ( 1 ), FLORIDA RULES OF SUMMERY PROCEDURE, FILED AGAINST THE DEFENDANT, XXXX XXXX XXXX , Signed by XXXX XXXX XXXX XXXX and list his name address and phone number. I am uncertain why this debt is still being requested in addition to being reported on my credit reports with XXXX , XXXX and XXXX .
06/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75040	Web
MG CREDIT CORP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$690.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
03/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32233	Web
I was a PAY AS YOU member at XXXX XXXX XXXX back in 2015. As per sign up when I didnt want to use the facility anymore I could leave with out any repercussions. XXXX XXXX XXXX sent me to a collection Agency MG Credit court. when I seen this on my credit I disputed them. In the dispute I specifically asked for original contract signed with XXXX XXXX XXXX. They have yet to produce the contract. I continually ask them to remove their company from my credit report. With no such luck. Now I am reporting to consumer Financial protection in attempt to have them prove the debt with original documents or remove from my credit.
04/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32244	Web
I had a joint account membership with XXXX and needed it to be cancelled so they agreed to cancel my membership after a remaining balance of {$57.00} was paid but after it was paid they continued to charge my card which was switched to a card that didnt work anymore which is fraudulent because I didnt authorize them to and my membership was cancelled at this time see the screenshots of the emails I attached to see proof of them confirming that the account was cancelled you can not charge someones card who doesnt have a membership with you anymore that is fraudulent and should not be showing up on my credit
01/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32256	Web
I have made several attempts to contact this company regarding the debt they are improperly reporting to my credit report. This is my second complaint, in the previous complaint I requested documents showing proof of the debt including documents that show my original signature and any information showing the company properly vetted and verified the identity of the person acquiring the debt. Please upload those supporting documents in this complaint or remove this egregious account from my credit report. This will be my last attempt to clear this matter before filing a lawsuit against your company.
01/02/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 32225	Web
I have on my credit report a collection item for {$200.00}. It shows MG Credit. I am requesting to be provided with a notice with my right to dispute the debt or request validation. I do not know what this item is for. this is in violation of the FCRA. I was never contacted in any way and I want a complete validation to be sent to me showing that I owe this amount and what the amount is for. A breakdown of how the charges came to be {$200.00} and that I agreed to pay this amount. While this account is in dispute it must be removed and proper notification be given and complete validation
08/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32256	Web
I wanted to cancel a gym membership at XXXX in XXXX FL, due to a major car accident injury that I suffered. I had to cancel after the seventh month of the the XXXX year contract. To cancel they wanted to charge me {$500.00} plus. I refused to pay that amount and now they are harassing me by giving my number to debt collectors that call constantly to threaten me of ruining my credit and filing suits. I think this is fraud and a very low move by this chain of gymnasiums. I hope someone drops the law on them because they need to be stopped.
09/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32003	Web	Servicemember
This bill is showing on credit report as collection when it should have been submitted to my dental insurance company! I have paid the bill just so that I can get this removed from my credit report and am requesting a payment for deletion due to the fact that I have insurance which definitely covers dental cleanings! Why this was not submitted to the insurance company is beyond me but I am tired of going back and forth about this! It's shame that consumers PAY FOR INSURANCE but for some reason providers are not using the insurance!
03/08/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30331	Web
I have requested " VALIDATATION & Not Verification '' of this debt for on months ... Have yet to seen the proof as required by the Federal Law. These are not my accounts! There are accounts own my credit report destroying my credit report from : M.G. Credit account # XXXX account # XXXX account # XXXX account # XXXX My score was just an XXXX on XXXX and not XXXX because these accounts updated as " Late '' ; however the accounts are " Closed '' Please provide legal of lawyers to speak with about this matters as well.
10/13/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MD 219XX	Web
1 ) I am not aware of any debt or account that is open with XXXX XXXX, the original creditor of this account. 2 ) prior to receiving a collection notice on my credit report, I received no phone call or mail trying to attempt to notify me of such a debt. 3 ) phone number on account is listed under wrong person 4 ) all attempts to collect this debt were done by mail to an address I no longer live at or have access to. Original creditor is XXXX XXXX and collection agency is MG Credit in XXXX, FL
01/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
Over the past few I been dealing with a company in XXXX Florida MG Credit.They have placed negative information on my credit reports and I been disputing a account from XXXX XXXX.I never received a letter from MG Credit stating that Im obligated to pay them nor they sent proof of debt.The credit bureaus deleted this information a while back but the account was placed back on my account with no validation of debt.To this day they have n't presented any proof that I owe this debt of {$1600.00}
05/01/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 320XX	Web
When I contacted the company to ask how did I owe them the agent told me for medical bills and the dates I suppose to went which is violating hills rights and that I need to pay or its never going to come off my credit and my credit will always be ruin. I ask was there anyway to prove he said yes we sent a letter in XXXX which I never received and I ask for another one to be sent and was told no they dont have to keep sending me letters either I pay or its just going to stay on my credit.
10/29/2021	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	FL 32073	Web
XXXX is rude and disrespectful. I ask for a balance statement every time I pay for my own records. He always gives an excuse or lie and says he sent it. Today his lie was Texas doesnt allow him to send mail. Then proceeded to overtalk me as usual and then said Why does she always need a letter? I told him not to call me anymore. This is harassment. Then XXXX XXXX XXXX was trying to say i lie and i have been reading that is what he does to everyone
04/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33511	Web	Servicemember
AutoCredit and MG Finance refuse to remove paid collection from credit report. I paid this repossession about a year after it happened. I paid a settled amount via money order. I called XXXX times to get a paid in full letter and each time I was given a different story of why the letter never came. I am a single mom and things are hard enough without having this report on my credit report every month for the last XXXX years!
06/25/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 32246	Web
Was contacted by this company about another persons debt. I let them know they had the wrong number and asked who was calling. MG Credit was rude and hung up. Called back to complain. let MG Credit know the number they are calling is wrong and to remove it from they call list. MG Credit continued to ignore my request and gather more information about me and the phone. This happened on XX/XX/18 around XXXX eastern time.
03/09/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	FL 32233	Web
I have been a patient of the XXXX XXXX in 2016. I have made several payments that have not been reflected in my billing statements. I was recently turned over for collection by XXXX XXXX to M.G. Credit of XXXX, Florida. I have sent two letters with copies of payments but have not received an answer from M.G. Credit as to the status of why my rece3ipt for payment have not been reflected in my billing statements.
04/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 34747	Web	Servicemember
Principal amount owed to my college was {$3200.00}, but debt collector MG Credit is trying to collect for {$4800.00}, and refuses to settle for some lesser amount or the principal amount. This seems like an exorbitant amount of interest/fees being charged. I have filed a dispute, but they are not responding to the dispute and the credit bureaus refuse to remove the charge from my credit report.
02/09/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32225	Web
I have XXXX Collections from MG CREDIT for the amounts of {$570.00} acct # XXXX and {$800.00} acct # XXXX. Both were Wellness/Annual Visits. I had XXXX of Florida Insurance and was an Employee at the time of service. These services are covered at 100 % per my medical insurance. These are collections from 2013. I have disputed and reported these charges with all XXXX and XXXX.
03/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 323XX	Web
Back in XX/XX/2014 I was thinking about joining a gym but could n't due to health problems plus I am XXXX, XXXX and also had a XXXX and XXXX I could not go to much going on. I never got there letters now this company named XXXX put the bill in collections now there is a very negative collection on my credit report. My Dr would have vouched for me because he knows I am XXXX.
09/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32244	Web
I Have MGCREDIT reporting on an acct that is not mine. I asked to validate the debt, they sent me contract with no identifing information other than my name. No d.o.b. or last four of social. The only thing given aside from a contract is a signature ( see attached ) that is not mine ( also see attached )
02/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 313XX	Web	Servicemember
In XX/XX/2018 and prior I have disputed the negative account with all three collection bureaus and spoke to a representative explaining that the debt was not mine. I was able to show that I lived nowhere near the area at the time the debt was taken out. This debt is for a gym membership in XXXX, Ga.
10/29/2021	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	FL 32221	Web
super rude, they charge me 5 times the payment that I had to pay and dont want to give me my money back, they told me that its my fault and they cant do anything about it. XXXX XXXX XXXX told me to go XXXX my self and then hung up
04/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 467XX	Web
I sent 2 certified letters that were never picked up intentionally because they can not provide information that I asked for so this company feels that if they dont touch or accept certified mail their problems will go away.
07/01/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32225	Web
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with MG CREDIT plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$840.00}
07/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30013	Web
Advised company via several letters that this debt is not mines and requested verification that the debt belongs to me. Have not received any correspondence and account still reflects negatively on my consumer reports.
02/05/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32216	Web	Servicemember
This. company M.G. Credit appears on my credit report for {$1100.00}. This debt does not belong to me - I have been XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
05/12/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32216	Web
MG Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
09/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30013	Web
Company is reporting negative information on my Credit report. Have attempted to reach out to the company to have them remove the negative reporting however they have failed to do so.
03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32034	Web	Servicemember
I have filed disputes with all three credit reporting entities. They have refused to correct misinformation given to them, despite multiple attempts on my part.
03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 436XX	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32065	Web
Company incorrectly reporting debt causing negative impact on credit report. No contract between debt collector and myself.
06/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30096	Web
The company is reporting incorrect data. This account is most likely, has reached its limit and does not belong to me.
11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43606	Web
The recent credit report shows a balance of XXXX dollars. It was already paid off, but is still on my credit report.
12/07/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32216	Web
The collection company in question is attempting to collect a debt and are not licensed in the state of Florida.
12/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31525	Web
The original debtor is closes and is unable to contact the gym. I never had an account at XXXX XXXX XXXX
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32218	Web
This can't be happening!! This company must remove the as they need to validate this account!
01/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 31503	Web
I have contacted several times to advise the debt does not belong to me
10/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32207	Web
XXXX XXXX XXXXXXXX opened XXXX XXXX balance {$280.00}
02/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32210	Web
There are no contracts or signature verified
02/09/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32073	Web

10/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	XXXXX	Web

10/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	XXXXX	Web

07/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32608	Web

07/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32608	Web

04/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web

04/26/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32222	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32218	Web

06/03/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80013	Web	Servicemember

05/16/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	LA 70056	Web

12/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32257	Web

11/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32244	Web

11/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34113	Web

10/27/2021	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32177	Web

10/13/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	OK 74012	Phone

10/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32258	Web

06/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32256	Web

05/04/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32206	Web

04/07/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23320	Web

03/24/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 13206	Web

03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43614	Web

12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31545	Phone

08/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32223	Web

05/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32244	Web

02/26/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32244	Web

02/06/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 32216	Web	Servicemember

09/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32065	Web

09/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32177	Web

08/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32256	Web

05/08/2019	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	CA 91202	Web

04/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 32238	Web

03/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32210	Web

08/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Phone

06/11/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MD 21502	Web

03/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32258	Web

02/28/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32003	Web	Servicemember

12/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32210	Web

12/09/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32216	Web

12/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32209	Web

09/18/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32234	Web

09/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11231	Web

08/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone	Servicemember

05/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33177	Web

04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33068	Web

03/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32258	Web

02/14/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32225	Web

06/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33647	Web

05/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32247	Web

04/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32669	Web

03/07/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32207	Phone

03/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32259	Postal mail

03/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32210	Web

02/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 32220	Web

01/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32256	Web

01/19/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NY 11373	Phone

01/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07631	Postal mail

10/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32137	Web

10/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23113	Web

05/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30306	Web

05/05/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	FL 32304	Web

12/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	FL 32233	Web

12/04/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32246	Web

10/21/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32207	Web

07/25/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91601	Web