Medical-Commercial Audit Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63303	Web
This collection attempt is for a debt that was paid in full on XX/XX/XXXX, check number XXXX, for a statement dated XX/XX/XXXX. This was paid to the original service provider as part of typical business and before any collection activity was initiated. I received a duplicate statement from the original creditor for the amount and contacted and spoke with the provider by phone on XX/XX/XXXX. I was told by the original account owner that it was a mistake and there was no balance on the account, therefore no delinquent balance or account in default and I had nothing to worry about. At my request, the person I spoke with promised to have their manager review and verify that information, and to contact me if there was any confusion or questions. I was not contacted again by the original provider. I received a collection letter in XX/XX/XXXX from XXXX XXXX, representing the collection agency known as MCA, claiming there was an outstanding balance for this same account. I contacted MCA, in writing, on XX/XX/XXXX to determine the cause, explain that there was a previously discovered and corrected clerical error on the part of the original provider of this same account, and that I verified with the original provider there was no balance due, was paid in full, and that I am not responsible for the duplicate charges. I requested the collection be removed, if present, from my credit report and requested that MCA explain to the reporting agency that it was reported in error. Due to the nature of the error, I asked that the collection not be listed as " closed '' or " settled '', but that it be fully removed from my report since it should not have ever been sent to collections. I additionally asked that, if MCA believed the collection was valid, that MCA provide me detailed information demonstrating the legitimacy of the collection as well as notify the reporting agency that the debt is in dispute. Time passed with no response, so I again contacted MCA in writing on XX/XX/XXXX reiterating the same concerns and again requested the information to verify any debt they believed was correct. I finally received a response from XXXX XXXX on XX/XX/XXXX acknowledging the receipt of my requests, stating that she had overlooked my requests and had somehow not noticed my requests until that very day, apologizing for not replying sooner, promising to investigate the matter at once, and promising to contact me as soon as possible if applicable. I received no further response from MCA, and due to the circumstances, lack of communication or supporting evidence, I presumed, and not unreasonably, it was realized the collection was in error, their mistake was being corrected, and the issue was resolved. Additional time passed, and while I had still not received any of the requested information to support the claim of the collection, the collection began appearing on my credit report. I contacted MCA again, in writing, on XX/XX/XXXX stating that I had previously contacted them regarding this issue and was disputing the legitimacy of the collection and attempting to resolve the issue, but there was no communication from them, resulting in the issue still not being resolved. They had neglected their obligation to provide evidence validating the debt on request, despite my requesting it for quite some time. This failure to provide the requested information or verify the authenticity of the collection in a timely fashion supported and reinforced my attestation that the alleged balance due is not a legitimate debt that I am responsible for, but instead, a result of errors outside of my control. A short while later, and after multiple requests, I received a reply from MCA, dated XX/XX/XXXX, more than two months after my initial request for information, containing a duplicate statement of services performed by the original service provider that was paid in full XX/XX/XXXX. This is the exact duplicate situation that I had contacted MCA about and asked to discuss months earlier. In response, I sent another certified letter to MCA, on XX/XX/XXXX, explaining the situation again, and enclosed copies of the statement invoice dated XX/XX/XXXX, as well as evidence of the payment for the services, described, in the amount specified, submitted to the original provider on XX/XX/XXXX, showing the original debt was paid in full long before there was any communication with MCA. I asked they contact the original provider to determine where the error originated and stated that I would be more than happy to provide any information that would help with the investigation, but again stated in the letter that the collection is not a legitimate debt, is not my responsibility, and does not belong to me. I asked that MCA carry out the previously requested steps of notifying the credit reporting agency of the situation and remove the collection from my report. I was concerned that the debt may appear on my credit report as a settled debt if not handled correctly, so I asked that they make sure the collection is completely removed from my credit history, since it is not a debt that I am responsible for, and, per the original provider, was non-existent, and should have never been sent to collections. I asked that I be kept informed of the status of the situation and to contact me if any additional dates or records that I may have would be beneficial to resolve the issue. That was in XXXX of XXXX. While preparing to apply for a loan in XXXX of XXXX, I discovered the collection was on my XXXX credit report. Since all other attempts had gone ignored by MCA, I contacted XXXX directly to dispute this collection on XX/XX/XXXX. After disputing the debt with XXXX, the collection was temporarily removed from my XXXX report, and I was contacted by XXXX XXXX, representing MCA, on XX/XX/XXXX, again claiming the same debt is owed, and no indication that any investigation or effort put into determining the cause of the issue. Once again, I provided the proof of payment information, dates, time, and call records to the original provider. I again asked that the situation be investigated, and since the original provider assured me there was no outstanding debt, that the collection be permanently removed from my credit report. Since this appears to be a pattern with little-to-no communication and the same collection again eventually reported to the reporting agencies, I have requested and that there be a formal acknowledgement drafted, signed, and provided to me for my personal records, stating the matter was reported erroneously, has been closed, removed, and there is no outstanding debt. I have received none of these and I have been more than patient. I didn't mind helping determine the source of the confusion, but I have no responsibility for this debt. This misunderstanding was rectified with the original provider more than a year ago, and I made a good-faith effort to resolve the issue with MCA before the situation got this far. But instead of acknowledging their responsibility for the error and accepting the loss incurred while trying to collect a non-existent debt, there is an invalid collection that has appeared on my credit report, by what I can only assume is an attempt to recover collection expenses to offset any loss incurred trying to collect a debt that does not exist. This has taken considerably longer than it should have. It should not be, and there is no acceptable excuse for this level of difficulty to have an obvious error such as this corrected, or at the very least, addressed and investigated. The fact that it has taken this long without resolution with little-to-no communication on the part of the collection agency is a clear example that illustrates the level of mismanagement transpiring throughout the course of this affair that ultimately and directly caused this situation. Additionally, the series of activity that MCA has chosen to execute violate mandates as defined in the National Consumer Assistance Plan, requiring a collector to notify a suspected responsible party of a potential collection and provide, at minimum, six months/180 days prior to negatively reporting any medical collection attempt to any of the credit reporting bureaus. Initial contact with MCA was XX/XX/XXXX and I made multiple attempts to contact them and request information about the debt. Even though MCA acknowledged the receipt of my request and failed to provide me the necessary information, the collection was submitted to and began appearing on the XXXX report by end of XX/XX/XXXX, which is less than half of the time the law requires. Not only was this situation not resolved, but despite my numerous attempts and good faith effort to address and rectify the situation, it has gotten worse and has negatively impacted my financial well-being and livelihood. MCAs failure to provide the necessary and consistent information as requested prevented any chance of progress or resolution from being achieved. MCA did not, however, fail to report an invalid collection to a reporting bureau, resulting in damage to my credit and financial hardship. By the time MCA finally made an attempt to provided me with the information I had been requesting for months, the collection was damaging my credit, impacting my livelihood, and diminishing my ability to secure lending at a rate commensurate with my stellar quality and history of responsible credit use. I made it clear this was an error, but I was attempting to be helpful for the benefit of the parties whose mistake resulted in the situation. Even so, there is the matter of principle. I have done everything that I can to assist in this situation, despite inconsistent claims and information, and the debt not being my fault or responsibility. I have no desire to assist anyone that is essentially attempting to hold the quality of my credit and financial well-being XXXX due to a mistake on their part that I have no control over. Any one of these circumstances would be sufficient to support my contesting of the debt. MCA has been made aware of the situation and continues to attempt to collect a non-existent debt that was mismanaged and illegitimately reported, in violation of FDCPA, and is making no earnest effort to correct its mistake. I am requesting this collection be permanently removed from my credit report at once with notation that it was added in error, in violation of credit collection and reporting requirements, and should in no way influence any decisions requested of lenders now or in the future. I have made every possible attempt to resolve this cordially, but my effort has been ignored and the situation has continued to deteriorate instead of improving since I reached out to MCA a year ago in an attempt to help understand and help correct the issue. Im also requesting that I be informed as the situation progresses and notified once this error has been corrected and permanently removed from my credit report, which, given the overwhelming amount of misconduct, I sincerely hope will be sooner rather than later. Thank you
01/07/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63368	Web
I had an agreement with : MCA Management Company XXXX XXXX XXXX XXXX XXXX, MO XXXX or one of their many expired fictitious names First I contacted them about debt in XX/XX/XXXX. I did so in XX/XX/XXXX. They made no mention of any alternate options I may have had to settle the obligation and made an agreement with me. They agreed to remove the debt from my credit reports in exchange for regular payments automatically deducted from my checking account. I made those payments every month as accepted. Late last year, I switched banks. As is common these days, I had 15+ billers with access to my bank account, including utilities, credit cards, store cards, etc. I did not remember all of them. All of the companies understood and these billing clerical errors were immediately resolved. MCA Management Company and XXXX XXXX did not. XXXX XXXX, of MCA Management Company and/or her company immediately fired off 4+ separate credit bureau negatives, but now under the original creditor 's name, XXXX XXXX XXXX XXXX, rather than what used to be their own. even though it was previously combined as one. Upon contacting her in multiple attempts, in good faith, offering to catch up on the two payments immediately, and courteously explaining the situation, this person, XXXX XXXX was unreasonable, offered zero empathy, and seemed to revel in her ability to affect my credit shortly before my family attempting to buy the home we have resided in for 12 years. XXXX XXXX may have committed blatant malfeasance and caused my distress, psychological, financial damages. As though none of this happened, she or her staff has resumed calling me. MCA Management company is notorious for this behavior is predatory in their practices. They put personal gain, and seemingly sadistic satisfaction ahead of any interests of the region and community they operate in. Also attempt to mislead consumers by using a DBA, tied to the same acronym of MCA. They refer to themselves sometimes as MCA Management Company, and other times as Medical Commercial Audit Company Inc. Even a third time as simply MCA Management. In reality the only valid name I can find is actually, " MCA MAnagement Company/Medical-Commercial Audit Inc. '' This is inconsistent and demonstrates a lack of transparency. Furthermore, they do not provide a physical address anywhere. They are using a PO Box as their business address. They have actually registered their business as a Post Office Box, which from my understanding is not permitted. There is a " workaround '' to do this, but I'm not sure this is legitimate. For whatever reason, the owner, XXXX XXXX XXXX, in addition to operating under multiple expired names, and a P.O. Box listed as the required physical address, has remained out of site in this entire process. All told, I'm having trouble seeing how this company isn't operating under, and attempting to collect debts in an erroneous, misleading, and potentially illegal manner. They also seem to be using these Fictitious Names, all expired : M C A MANAGEMENT CO. XXXX Fictitious Name ( Domestic ) Fictitious Expired XX/XX/XXXX MCA MANAGEMENT XXXX Fictitious Name ( Domestic ) Fictitious Expired XX/XX/XXXX MCA Management Company/Medical-Commercial Audit Inc XXXX Fictitious Name ( Domestic ) Fictitious Expired XX/XX/XXXX MCA Management Company/Medical-Commercial Audit Inc
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60827	Web
Debt Collector, please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail instalment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you decided that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
06/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63137	Web
This is not a refusal to pay, but a notice that I am disputing what is being reported on my consumer report by Medical Commercial Audit Inc and XXXX. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this alleged debt, the date of the alleged medical service, name of the patient, proof that there is some contractual obligation which is binding me to pay this debt to YOU. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATED OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term " Breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX of XXXX as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including XXXX XXXX changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor where they agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please be advised that this complaint is not only a formal dispute but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my consumer credit report. I never gave the original creditor XXXX XXXX XXXX XXXX permission to sell this so-called debt to Medical Commercial Audit Inc . I do not owe Medical Commercial Audit any money. I never signed a contract with them. I do not know who they are. Medical Commercial Audit Inc. is reporting this so-called debt on my consumer credit report illegally. Because of this Medical Commercial Audit Inc owes me {$1000.00} in damages because I can not obtain credit and this negatively hurting my credit score. PLEASE DELETE THIS NEGATIVE REPORTING OFF MY CONSUMER REPORT. Both XXXX and Medical Commercial Audit have violated many FRCA laws and that constitutes my right to have any and all negative information removed. If this is not removed I will sue! 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish any accounts without my written permission. 15 U.S.C. 1692c states that without 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
06/28/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 629XX	Web
My name is XXXX XXXX, and I am submitting this complaint without any influence from anyone other than myself. It has come to my attention that I have been deliberately violated. Mca Management has chosen to WILLFULLY violate my federally protected rights. They are using unfair, unlawful, and extortionate means in an attempt to illegally collect an alleged, invalidated debt. Federal law CLEARLY prohibits such. I have never given MCA Management or any other Organization my EXPRESS consent to furnish anything to my Consumer report. No consent is by law, considered fraud and aggravated identity theft! They are unable to produce a contract between their Company, and myself, giving my consent to furnish this information on my behalf, pursuant to 15 usc 1681. Neither can they provide proof that they've followed reasonable procedures to verify they are using my information in a manner which is fair and equittable to me, the Consumer, with regard to the confidentiality, accuracy, relavancy, and proper utilization of my Consumer report. Additionally non public information is not supposed to be on a Consumer Report. Furthermore, they have breached my right to privacy. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( 15 USC 6801 ) CLEARLY states that non affiliated third parties should not have my nonpublic personal information without my consent, which is also fraud! Again, my nonpublic personal information ( transactions ) should not have been disclosed to any non affiliated third party without my lawful consent. This information needs to be removed from my report entirely. Nothing under the FCRA or FDCPA requires them to furnish negative information about me to a CRA, pursuant 15 usc 1681s-2 ( 7 ) ( E ). 18 USC 1894 says that punishing a Consumer for the nonrepayment of an alleged debt, by furnishing NPI to a third party without my consent as a means to make me pay or ruin my financial reputation, is a violation. It also says the furnisher ( MCA Management ) could be civilly and criminally liable, which includes fines and carries criminal penalty of up to 20 years of imprisonment. Beyond that, Congress made it explicitly clear that the Consumer is the only person who can validate an alleged debt, not even the court of law can do such. On XX/XX/XXXX I called MCA Management in regards to this matter, I spoke with XXXX XXXX and attempted giving her the information above. She said she didn't want to hear it. " If I don't want to pay balance today, we have nothing to discuss '', and slammed the phone in my ear. I called back and spoke with someone who did the exact same thing. They also blocked my number from calling. I called different number XX/XX/XXXX and they blocked number on all of them. I called and asked to speak with the Director and was denied. I attempted to call back and was told " you need to seek help '' and proceeded to hang the phone up in my ear. Also blocked me on that number as well. This is considered abusive and is beyond unacceptable. My rights have been continually violated and something must be done.
03/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63385	Web
I have zero dealt with XXXX which the staff XXXX has confirmed but failed to send me an email the XXXX balance. I was completely shocked to find out that they had reported me to all CRAs with a fully paid XXXX balance that was not past due. Their debt collector made no attempt to contact me and went straight to my credit report and reported for XXXX I did file a XXXX XXXX XXXX complaint ad this is the second time XXXX has made false statements to my Credit report. Regulation F under the FDCPA states that a debt collector can not report to the CRAs without first contacting the consumer. There was no contact attempts from XXXXXXXX debtor collector. The FCRA states that I have a legal right to an accurate credit report. Claiming that I owe them {$100.00} when my balance was XXXX was a scam by XXXX to get money from me that was not owed them. This is the second time they have done this. Although my balance was XXXX the XXXX administration has stated that medical debt can not be reported until it is past due for one year. I had no past due balance at all and yet XXXX reported the alleged debt. The Biden administration also stated that Medical debt under {$500.00} can not be reported at all. My balance was XXXX and even if the {$100.00} were accurate its still under {$500.00} Because of ongoing recklessness with TAUC I filed a XXXX XXXX XXXX complaint in the past and was promised that the false reporting to my credit report will never happen again. It happened again. XXXX is also aware that Im XXXX and fighting a life-threatening illness and maliciously decided to report to my credit report falsely to try to get money out of me and bully me. I had to spend many hours trying to get the false report removed from my credit report. I also filed a dispute which was very difficult because XXXX XXXX promised to email me that my balance was XXXXXXXX but then refused to send me the information. She also promised me that I would be followed up with that day and I never was. XXXX is aware that I am XXXX XXXX and battling a XXXX XXXX XXXX and decided to stress me greatly by making false statements to my credit reports. Their behavior is egregious and ongoing. XXXX has caused me damage. Is it extremely stressful to fight a false report on my credit report. I had to do it myself and it was made worse because their agent refused to send me an email stating that my balance was XXXX. They are bypassing the law and trying to get money out of people by making false statements on their credit report. I am demanding something to be done to help myself and to stop this ongoing behavior from this company.
06/29/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 629XX	Web
I am submitting another complaint against MCA Management previous complaint number XXXX ). The alleged debt MCA is ruining my financial reputation for, was never validated by me, the Consumer! Per Federal law, the Consumer is the only one who can validate an alleged debt! Not even a COURT OF LAW CAN DO SUCH. I have disputed several times and yet they continue collection activity. I have sent multiple validation letters since XXXX and they have never provided any permissible purpose for this alleged debt. They have not provided documentary evidence of an agreement between their Company and myself indicating that I gave them the express written consent to access my nonpublic personal information, or furnish ANYTHING to my credit without my consent! They don't possess such authority. They claim the laws I have cited do not apply to them which is FALSE! They are governed by the FCRA and FDCPA, and these laws do in fact apply to them. Additionally, if this transaction is FACTUAL ( which has not been proven ) it STILL should not be on Consumer report! The law says just that! Factual non public personal information SHOULD not be furnished to my Consumer report without my consent. Transactions are considered non public personal information. There is nothing in the FCRA or FCDPA that says they can furnish ANYTHING on my behalf without my permission! I decide what goes on my Consumer report, not them, or any CRA! 15 USC says that my report is to be fair and equittable to me, the Consumer. What they are doing is unlawful and it needs to be addressed properly. They can not provide me with any proof that they are lawfully operating in accordance with the FCRA and FDCPA. Additionally, they claim this debt is mine, and was not paid but what probable evidence do they have indicating such? None whatsoever. They are using unfair, extortionate means to attempt collecting on alleged debt which against the law and my rights as a Consumer. They have broken the law! And them hanging up in my face, continually and then blocking my number for exercising my RIGHTS was uncalled for. I put the BURDEN OF PROOF on them and it obviously intimidated then. How is it harrasment to call and demand answers for why they are attempting to ruin my financial reputation. They are a debt collector which means they are governed by the FCRA AND FDCPA, yet they refuse to follow the law. They even told me, they don't have to follow any of the laws I've indicated which is false! I have attached the letter and email sent back in XXXX requesting disputing alleged debt as incorrect, and requesting validation.
10/01/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63011	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 630XX	Web
This debt collector has impacted my credit score by making falsifed debt collection. Here is infomation about this company, XXXX XXXX MCA MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. This company has been calling and texting me nonstop for weeks, harrassing and threating me with text messages. When I tried to call them back using XXXX XXXX XXXX XXXX XXXX XXXX, they ingored and hung up. They are very rude and bully. I will not answer their calls because I can not commuicate over the phone with XXXX, XXXX XXXX and so is my wife. Also this debt was over XXXX XXXX XXXX and I have talked to that medical company and they made a mistake and they still refused to correct their mistake since the balance was already paid off 4 years ago, they still send me a bill 4 years later and I refused to pay for it. This is unacceptable and I have very good credit record. Being XXXX is very difficult for me to commuicate with these people. I believe this should be waived and removed but both of them have pushed this negative report credit on my credit report. I have copied and paste below here from XXXX Credit Report. Updated : XX/XX/2023 Back to Credit Summary Accounts With a Negative Pay Status LENDER TYPE BALANCE XXXX XXXX XXXX XXXX Other {$72.00} Status Date Reported XX/XX/2023 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 0 Years, 4 Months Credit Limit Not Reported Highest Balance {$72.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Remarks Placed for collection.
08/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60077	Web	Servicemember
On Friday XX/XX/XXXX I received an email, I am attaching it to this complaint. In the email there was an amount stated that I owed {$91.00}. When I called to inquire abut the debt. The person I spoke with first told be that {$91.00} was the total owed. When I started inquiring about the breakdown of the bill I was then told that they have my dispute on file from XXXX for one amount. Then told me that the other amount they could not talk to me about it because I needed to talk to the medical office. Which brings up two issues- if they can not talk to me about this debt, and it's not yet in their office why are they trying to collect? Second for the amount outstanding since XXXX THIS is in dispute. This company is refusing to follow the Fair Debt Collection Act by complying with my repeated requests to provide proof of the debt. I have been told " we can't provide that ''. I have and still maintain that this is not my debt. My complaint is two fold : First, back in XXXX I disputed the first debt. By this company 's own admiisson they have my dispute, yet they have for XXXX years refused to provide any proof of me owing this debt. I assert now, like I asserted then that this is not my debt. Second, the new debt- I acknowledge that I was seen, but this is a workman comp bill and according to XXXX XXXX this bill was never even submitted to them to be paid. Further when I called to speak with someone I was yelled at and then she hung up the phone after stating that they don't even have the debt in their office. If the debt is not in their office, why are they fradulently trying to collect? When I called immediatly back, no one would answer my calls. I aslo left several vocie messages and no one returned the call.
09/11/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 62221	Web	Servicemember
In XX/XX/XXXX XXXX XXXX XXXX provided services to XXXX XXXX. She is my daughter, BUT I have absolutely NO Custodial rights to her at all! Her mom did and she signed those over to my mother, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, NH, in XXXX of XXXX. I have had little to no contact with them for years. We do not talk, even more so now since this issue. XXXX was here on vacation visiting when we had to call for services. I called my mom prior to XXXX and she said to call them, which means she authorized the charges, not me! When the XXXX was called, I gave them all of XXXX 's medical cards and insurance information. That information included all of her legal guardians contact information. Everything was billed properly except the ambulance bill. They said they tried billing NH Medicaid, which is what she had, and they denied payment because it was out of state. They then called her legal guardian, XXXX XXXX, to which they left numerous messages and got no returned call. After they got no where with her, they took it upon themselves to bill me, as my house was where the call was from and we had the same last name. When I spoke to the company, the manager was very misogynistic and said I needed to man up and pay the bill. They said they tried calling every number in NH and no one would call them back. That's why I'm being billed. That's not how the law works! But they refuse to remove this bill from my credit report. It is fraud, they admitted it was fraud and they still confirm the account when disputed through all credit bureaus. I need this account removed Immediately. Thank you!
09/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 46307	Web
I received the first bill dated XX/XX/2021 from XXXX XXXX for {$70.00} on XXXX XXXX. I paid said bill on XX/XX/XXXX in full. On XX/XX/XXXX, XXXX sent me to MCA management company. On XX/XX/XXXX, MCA sent me a letter stating I owed the debt with a collection fee which I did not receive until XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX who stated it was their error, and they will get it rectified. On XX/XX/XXXX, I contacted MCA to make sure it was removed and it was not. The woman XXXX from MCA started yelling at me saying that they can't do anything and I need to talk talk XXXX. She kept interrupting me. When I asked to talk to the manager, she ( manager XXXX ) said I was wrong and that they will not delete the account only mark it paid in full. I told her that was not good enough as this was sent in error. She said they will not delete my account because it was sent correctly. She then told me to take responsibility and pay my bills. Great manager/owner to treat people like that. I did pay my bill less than a week after I received the bill, prior to her company even being involved. For a person to speak down to someone so disrespectfully is beyond me. I ended up saying a bad word and hung up because she offended me so bad. McA should have confirmed the debt was valid prior to sending me the collection letter. They were able to look up my payment while I was on the phone with them so I'm not sure why they couldn't do that before the letter went out. She could also clearly see the account was paid prior to the letter, yet refused to help.
01/07/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN XXXXX	Web
This creditor has is in violation of the sending/ delivering of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. Below the creditor did not provide the following Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s. Creditor has consistently sent me a bill unrelated to the list above and dismissing [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], requirements. Therefore I am not responsible for this debt and this creditor is in violation due to lack of due diligence under [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], of not providing the proper documents. both collections from XXXX are ordered to be removed from all XXXX credit bureaus.
06/03/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63121	Web
On XX/XX/2022 XXXX researched a collection account and provided me with the contact information of MEDICAL COMMERCIAL AUDIT INC in XXXX XXXX, MO. On XX/XX/2022 I sent a certified letter to MEDICAL COMMERCIAL AUDIT INC requesting they send me proof that they attempted to validate this alleged debt PRIOR to reporting this tradeline to my credit report by providing me a signed delivery slip or tracking number OR remove this collection from my credit report. On XX/XX/2022 in response the debt collector sent several documents, ( a ) a bill [ {$41.00} ], ( b ) a copy of a drivers license, ( c ) a medical account summary listing medical procedures, ( d ) a HIPAA notice. This is not the documentary evidence I clearly requested. The documents I was sent, including the bill, says this debt collector was ASSIGNED this account. This assignment, the furnishing of it to my consumer report as a means of bringing harm to me and my financial reputation, and the fact that this agency has a means of my identity without my authority to coerce me to pay them is a violation of 18 USC 1028A - Aggravated Identity Theft. The FTC says that debt collectors can not furnish first and ask questions later when it comes to consumer reports, also known as debt parking. The furnishing of this collection to my credit report is in violation of 15 USC 1692d and the furnisher is engaging in unlawful extortion activities.
11/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 631XX	Web
My daughter who was then over XXXX went to urgent care and signed in ; they even have the form. It was a type of workers comp injury from being a XXXX on which there is a WC case ( they also failed to check her a concussion not even doing a form as the neurologist says they should have but that is another story ) .. They billed me on my account ; I wrote them several times, not my bill, bill her separately and we can send it on to the wc and other insurers, Then when I paid on my bill and marked it was my bill only, they applied it to the charges that were not mine. They dunned me and sent it to an outside bill collector. when I sent a cease and desist letter, do not contact, he then sent me a new demand for payment .Others on XXXX have complained of questioned collection and billing tactics. Even when I wrote the head of the urgent care on XX/XX/XXXX, there still was no correction They even added a debt collection fee. They actually owe me a refund of {$24.00} which I demanded on XX/XX/2018 where through my bill pay I overpaid my bill. They also retaliated and when I complained pulled out an old bill on which the statute of limitations had ran and where I had disputed it and recalled even sent a payment in full payment. I wrote both the collector and the creditor, even sent a copy of the cease and desist statute and there was no correction or refund.
09/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33025	Web
XXXX XXXX XXXX XXXX of XXXX XXXX, MO is reporting to XXXX, and by means of a collection agency Medical Commercial Audit Inc, is attempting to collect an alleged balance of {$200.00}. According to XXXX, the date the alleged debt was incurred was XX/XX/2015, but I have no visit to XXXX XXXX XXXX XXXX on that date, and the credit bureau has not responded to my complaint. 1. XXXX XXXX XXXXXXXX XXXX is not owed the debt and I have never been presented with an invoice for payment, an itemized receipt for products, services, or care provided, and I have never been provided with a contract -- including the date and my signature -- which authorizes the establishment of a credit account. 2. Medical Commercial Audit Inc have illegally " re-aged '' the debt on my credit report to make it appear more recent and with a higher balance. Medical Commercial Audit Inc have failed to respond to my inquiry that they substantiate the date of the debt with an original invoice from XXXX XXXX XXXX XXXX ; the have failed to represent the correct amount owed and have arbitrarily and capriciously increased the amount owed with no notice and without stating what interest, fees, charges, or other add-ons are being claimed. 3. XXXX has not responded to my dispute, violates the FCRA in failing to act, and is causing irreparable harm in its negligence to investigate.
10/27/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 62221	Web
On XX/XX/2018, after looking at my credit report I found out that Med Com AU is stating that I owe 2 collection items at XXXX. I never had an account with Med Com AU. There is no number, or addresses listed to contact them. I contacted the original creditor listed XXXX and they told me that they no longer have the account. I asked them to validate the account and they told me that I wrote 2 checks for 2 separate amounts. They said that they would send them but never did. Based on the credit report they show that owe a total of {$80.00} for both checks. I'm still waiting for validation and I have disputed this with XXXX credit bureaus 2 times already. Once on my own in XX/XX/XXXX, and another time with XXXX XXXX XXXX 's help at the end of XX/XX/XXXX. Each time XXXX tell me that I have to wait 45 days and then they say its valid. I asked for proof of validation or investigation process and they will never give it to me. The account is also showing open and it previously showed a closed item. Now, it's showing open. I'm disputing the account again. As a result, this is hurting my credit score and preventing me from getting credit, or financing on my home and any other credit.
05/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63146	Web
I have requested validation of an item reported to by MCA Management for a bill associated with XXXX XXXX XXXX XXXX. Instead I received my confidential medical records ( XX/XX/21 ) in response without a prior written release, the third party agency, clearly violating my rights under HIPAA and ( FDCPA ) as the debt was paid in full to XXXX XXXX XXXX XXXX. I am allowed under the Health Insurance Probability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXXXXXX XXXX for them to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization especially as this debt is no longer owed to the original creditor. I again reached out to MCA Management to ask them to remove this from my credit report ( XXXX XXXX and XXXX ) however, this debt is still reporting as owed however I do no owe any debt and the debt has not been validated.
05/31/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 630XX	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this com pany to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
02/15/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 630XX	Web
XXXX XXXX XXXX By mail in XX/XX/XXXX about a debt they alleged I owe. I sent out a letter in response XXXX, XXXX to validate this debt I allegedly owe, because I didn't know who this company was and I have no contract with them. They responded on XXXX, XXXX, XXXX with private medical information and procedures that is in direct violation of HIPAA that I never at anytime authorized them to have or share! They also responded on XXXX, XXXX, XXXX. The communication on XXXX alleged I owed {$300.00}! The communication on XXXX alleged I owed {$160.00}. Both threaten reporting to credit bureaus. This debt has already been reported prior to the communication between them and I. Some damage to my credit has already accrued. My private medical information was sold to this third party by " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO. XXXX '' to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX '' without my knowledge or authorization. Violating my privacy rights
08/25/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 630XX	Web
I have never received any information from a company called MCA Management Company. They are on my credit report and have been pinging my credit reports monthly dropping my credit score 10-20 points every month but have never contacted me about owing money to anyone. I am a current patient of XXXX XXXX. XXXX XXXX and have always made payments to them when I owed them money. I have no idea why I would be in collections when I made payments and to my knowledge I was paid in full as I always payed my bills when I receive them from XXXX. I have no idea who MCA Management is and their never having contacted me in anycshape or form and I have just recently noticed they have been on my credit report since XX/XX/2018 and every month they are reapplying what ever it is they do to my credit report but have yet to contact me in written letter or by phone but have no problems harassing and ruining my credit monthly with their deceptive practices.
04/07/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN XXXXX	Web
The company MCA MANAGEMENT COMPANY has placed a collection on my credit in the amount of XXXX. A certified validation letter was sent on XX/XX/2022 to this company and response they did not cooperate with validation information : Failure to provide the below items : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed. Provide a verification or copy of any judgement if applicable. Identify the original creditor. Prove the Statute of Limitations has not yet expired on this account. Provide me with the license that they are allowed to collect within my state. Provide me with your license numbers and Registered Agent or Agent of Service/s. They are in violation of Violation of the Fair credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation Of Character due to not providing the necessary information requested.
06/02/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 650XX	Web
I have issued a formal dispute with the credit reporting agency XXXX and XXXX over a bill that has NEVER been verified with me. This debt is held by a collection agency called Medical Commercial Audit Inc. NO verification letters have been sent to me plus I have requested this many times, litigation is pending. The original account open date of so called collection account is XX/XX/2014, this is still open and unresolved. I believe this debt has no validity and therefore has every right to be disputed. MCA has no intentions of deleting this account from my credit file it seems so appropropriate action will be taken. I demand this Co. take action immediately and satisfy this complaint and take action to remove this entry from your database and ALL credit reports immediately. Further action such as reporting this to the XXXX and other Complaint Forums will be done right away and made public.
03/05/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60505	Web
I have no knowledge of any account being in collections I received a notification from one of the credit reporting agencies that I now have a derogatory mark on my credit due to a collection account from mca management company a company Ive never done business with. Im disputing this debt & the validity of this debt in its entirety and requesting a debt validation letter. THIS IS a direct violation of my rights as a consumer per the fair credit reporting act I have to be properly notified of the said debt prior to placing anything on my credit report which this clearly wasnt done THIS DEBT IS INVALID. remove this account and any trade lines affiliated with it immediately I know my rights as a consumer I will move forward with litigation against your company for and violating the fair credit reporting act for placing this derogatory mark without any debt validation /failure to notify
02/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO XXXXX	Web
I am XXXX XXXX XXXX and I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that several MCA MGMNT CO accounts, with the account number XXXX was reporting to be negative on XXXX . I have disputed the fraudulent information from my credit report. 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 have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63122	Web
Please be advised I have requested validation, not verification, of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, XXXX XXXX, MCA Management, XXXX XXXX, XXXX XXXX, XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63114	Web
I am disputing this debt on the following grounds. 1 ) Incorrect billing procedures. This was not billed to both insurance carriers by the original agency, or my responsibility would have been {$0.00}. 2 ) This will no longer be covered by the insurance carriers because it is outside the Missouri timely filing guidelines. 3 ) This medical facility, Total Access Urgent Care sold this incorrect balance to a debt collector known as MCA MANAGEMENT COMPANY for the amount of {$480.00}. I previously asked that if the debt issuer have good reason to believe that I am responsible for this debt, mail me the documents that make Them believe that. They have NOT been in communication with me regarding this debt and record that Ive disputed mentioning that I have zero obligation for this debt. Ive disputed this multiple times with the credit bureau as well as the company.
04/19/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MO 631XX	Web
I received an initial notice from MCA Superior Collections dated XXXX advising me I had 15 days to respond before derogatory credit reporting was done. Nowhere on the notice did MCA indicate or imply I had the right to dispute the debt 30 days from receiving this initial notice. Despite the company 's noncompliance I responded with a request for validation of debt dated XXXX ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns are n't addressed expeditiously!
10/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63114	Web
On XX/XX/2019 I mailed a debt verification letter to XXXX and XXXX asking them to please send me proof of how did they verify this debt that was put on my credit profile from from MCA MANGEMENT. I have yet to get anything from them. According to the FCRA they have 30 days to respond to my request with true and accurate information. They have yet to do this. This inaccurate information is hindering me from purchasing a home. I demand that they Delete the inaccurate information off of my account immediately. They have not proven to me how the account has been verified, validated and nor if this is even my account. I also sent a letter to MCA MANAGEMENT COMPANY asking them to validate the debt asking for specific information to be sent back to me and they have yet to do so.
04/04/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 63385	Web
I had informed XXXX verbally that my charges from an unknown illness in XXXX of XXXX was now in a bankruptcy filed XXXX XXXX. I went in, XXXX of XXXX, for a suspected broken foot and was informed of a {$1000.00} charge from XX/XX/XXXX still pending. I told them that it was not accurate and called and left a voicemail with their billing. A few months ago, I receieved a collections notice from this company. I asked for them to itemize it as it was not accurate and the charges from XX/XX/XXXX needed to be discharged into the bankruptcy. I paid about half the XX/XX/XXXX balance off and only {$300.00} was left. They did not provide me with the information I requested and instead sent it straight to collections. I now can not get an answer from this debt agency.
12/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 636XX	Web
XXXX XXXX XXXX XXXX hired MCA collections For the second time to collect " owner '' fees from me when they know I do not own property In XXXX XXXX nor have I ever.The most frustrating part is I just went threw this same thing last year and they removed it. Knowing that the collection agent saw the problem last year after my complaint and removed it, then placed it again this year is absurd to me. Knowing they keep files on very transaction.I have documentation showing my case for complaint. I am currently going XXXX XXXX XXXX for XXXX XXXX, then XXXX XXXX. Trying to get things in line for my wife and then there is this. AGAIN I DON '' T NEED THIS RIGHT NOW HELP ME They are using their power abusively, knocked my credit score down 31 points in a month.
05/14/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 631XX	Web
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
09/15/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 650XX	Web
I, have tried numerous times to contact the collection agency as well as e-mailing them and I have got no where. I have not received any recent mailings with the proof of the so called debt. I have tried to have there negative entry removed, I have consulted with the credit bureaus as well as an attorney. I will continue to fight and keep this entry under dispute. I will also be sending this company a demand letter. This is a debt I'm NOT responsible for and I refuse to share a cent with them. The amount of this illigitmate debt is around {$330.00}, I dont even recall what for either. This collection agency has terrible reviews all over the net. I have also placed a bad mark against them with the XXXX as well as alot of other public forums.
09/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 62221	Web
MCA management company is contacting about a balance from XXXX XXXX. This amount was paid by my insurance XXXX XXXX. The balance they are attempting to collect is the amount that XXXX XXXX discounts for XXXX XXXX being a participating provider. I have called ( don't have record of date ) XXXX XXXX when I received the first bill and sent them a letter on XX/XX/2022. After receiving the collection notice from XXXX, I sent an online email on XX/XX/2022 and mailed the same text and documents to them on that date. I have had no response and received another collection notice. I have attached all information, including my letters/email sent and the explanation of benefits from XXXX XXXX showing I do not owe this amount.
09/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 631XX	Web
MCA management company has placed a collections/chargeoff account in the amount of {$800.00} for an original lender of XXXX XXXX. I am not aware of this, and there the account type is NOT REPORTED nor is an amount past due, nor is a credit limit, I am confused why MCA management company did not attempt to contact me in writing so that I could request a VOD, Why would they just place a negative mark on my credit reports? Is this even mine, did I apply for credit with someone? What were the payment arrangements? I did not agree to anything with MCA management company, I have never heard of them. send VOD, with all additional documentation that you can provide me with
01/28/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63139	Web	Servicemember
MCA Management Company XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX fax has been ignoring my emails for over a year while I was trying to reach out and figure out how to pay them ( I was XXXX to XXXX for the XXXX all of 2020 ). All of a sudden I recieve an email from them stating what they are owed still. I think this practice is very shady. I can provide the emails I sent them regarding me trying to make payments. This company also opened credit accounts in my name which has affected my credit score after I contacted them trying to pay. They ignored me and elected to mess up my credit.
10/12/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MO XXXXX	Web
XX/XX/17 ( {$860.00} ) Acct # XXXX, Acct # XXXX ( {$77.00} ), Acct # XXXX ( {$56.00} ) HIPPA Violation ; Medical Commercial Audit/ MCA did not provide me with the provider of services to release any of my medical information ( tests, diagnosis ext ) regarding alleged debt as well as cease any credit bureau reporting. This entry 's insertion on my credit reports is a blantant JIPPA violation and a violation of my consumer rights according to the Fair Debt Collection Practices ACT ( FDCPA ). these entries must be deleted from my credit reports immediately with XXXX, XXXX and XXXX
12/26/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63141	Web
MCA Collection Agency XXXX XXXX XXXX XXXX XXXX MO XXXX, PLACED A DEROGATORY COMMENT ON MY CREDIT BUREAU FILE AND REFUSES TO TAKE IT OFF; I NEVER DID ANY BUSINESS WITH THIS COMPANY AND THEY REFUSES TO TAKE IT OFF OF MY CREDIT FILE; I HAVE SENT LETTERS AND THEY STILL WILL NOT TAKE THEIR COMPANY OFF OF MY CREDIT REPORT; I HAVE NEVER HEARD OF THIS COMPANY AND I SENT A LETTER DEMANDING THEY TAKE THEIR NAME OFF ON A LEGAL DOCUMENT; IT WAS NEVER DONE AND I AM ASKING FOR ASSISTANCE SO THEY CAN DELETE THEIR NAME OFF OF MY CREDIT FILE. THEIR NUMBER IS XXXX
10/20/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63114	Web
They furnished a report without my permission. Which Is a violation to pursuant 15 usc 1681b ( 2 ). I sent the two attachments and didnt receive a reply. They violated my right to privacy and failed to send me proof of me actually owing the company. They failed to comply with 15 usc 1692g and verify the debt. I also asked them to send an XXXX XXXX XXXX XXXX of the account and they failed to do so. I told them to cease all communications with me through any and all mediums and they are still reporting this account on my consumer report
10/10/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60435	Web
Pursuant to my rights under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws, I formally notify you to cease all communications with me regarding this alleged debt or any other alleged debts that you claim I owe. This debt does not belong to me, so cease all communication. Including any negative reporting to credit companies, as that is also communication to me through an alternate outlet.
03/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60629	Web
This company has failed to remove this from my credit report. I filed an XXXX dispute against their illegal tactics and they have refused to remove it from my report. They saw the report on XXXX and instead of removing it after I told them of my XXXX XXXX XXXX Automatic Stay order, they just fixed the reporting details so it could not be removed on those grounds. I would like consumers to note the tactics of this company and respond accordingly if you they ever deal with them. Medical Commercial Audit Inc.
09/23/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60409	Web
I never signed any note with this company stating that I would pay them for services. I never gave permission to this company or any other company to report my personal information to another company or consumer. I called to rectify with company and was put on call block list and was told that they would cease and desist communication with myself and credit bureau but I am still seeing mca management listed on my credit report I would like all information from mca removed from my credit report
02/10/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23320	Web
On my XXXX credit report the collection agency file a collection notice for medical bills that have nothing to do with me. When I contacted them they stated they have nothing in their system for me and that this is result of XXXX reporting this onto the wrong person and there is nothing they can do. I requested a letter from them stating the same but they stated there is nothing they can do for me. XXXX stated I must get a letter in order to properly remove the items in question.
09/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95122	Web
MCA Management Company out of Missouri placed a collections on my credit report for {$1500.00} back in XX/XX/XXXX. I don't recognize this account and will need verification of this account and what the {$1500.00} is for. There wasn't any mail in regards to what the collections is for. As highlighted in the FCRA Reporting Act, please provide verification of this collection. Also, please cease any collection calls immediately if there are any in the near future.
12/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO XXXXX	Web
I recently obtained a copy of my credit reports and noticed that Medical Commercial Audit has added a collection account that is not owed on Acct # XXXX. That was paid prior to being reported and is now reporting on my credit report which is unfair collection practices. This company is also reporting inaccuracies such as last payment date and date of first delinquency Please delete and remove this account # XXXX from my credit reports.
08/10/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	MO 631XX	Web
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
07/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	SC 29681	Web	Older American
I received a collection letter from : MCA Collection Agency XXXX XXXX XXXX XXXX MO. XXXX on behalf of XXXX XXXX acct # XXXX. Thier Letter stated that I had 3 days to dispute which I did, I also requested a copy of the receipt/work order from date of installation. I received no reply and they reported it to XXXX Credit Reporting. I disputed with XXXX, asking for the same documents and they replied it's my debt and no documents.
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 629XX	Web
MCA Management Company has a collection account under my name, with the original creditor being XXXX XXXX XXXX XXXX This is a medical account. I saw an eye doctor there. They billed my health insurance. I have disputed this information twice now citing the reason that this account should not be on my credit report, due to it being under {$500.00} and being medical debt. They have this listed as " retail '' and refuse to remove it.
05/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO XXXXX	Web
In response to Medical Commercial Audit Inc. case # XXXX. This company provided information from the original creditor " XXXX XXXX XXXX XXXX ''. I owe no debt to this 3rd party creditor considering the debt has been closed with the original creditor. They provided my personal information & not a HIPAA Relase Form nor a Transcript to even have my information released with Med Com Audit. My HIPAA Rights has been violated.
06/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63114	Web
There is inaccurate information reporting on my credit report.Account number XXXX, This inaccurate medical account was paid to the original data furnisher XXXX XXXX and should not have never been put on my credit report. I would like for the whole account to be deleted immediately. It's not reporting 100 % accurately. It doesn't even have the name of the data furnisher, nor any other identifying information.
03/17/2022	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63385	Web
LAWFUL NOTICE OF DISPUTE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63116	Web
MCA collections company repeatedly reported a debt I did not owe on my credit report. I called MCA and they stated that I did not owe the XXXX debt and never owed it but they continue to report for several months. This caused my credit score to decrease by XXXX points each month for several months XX/XX/XXXX. After several disputes it was finally removed. I
04/11/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MO 63130	Web
On XX/XX/2018 the representative, XXXX, contacted me after being informed to not contact me and that I would contact her when I had the funds. At XXXX XXXX CST XXXX violated a FDCPA law by providing information about my account over the phone without verifying my account nor insuring she was speaking to the correct account holder.
05/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63301	Web
Today I checked my credit report and it shows 3 accounts in collections from a agency MCA ( XXXX XXXX original creditor ) This is not me its is my dad 's accounts. I'm XXXX he is XXXX. Went i called MCA to tell them this they hung up on me twice and said " maybe your dad should just pay his bills then ''
09/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63129	Web
MCA Management Company is reporting a debt not owed to my credit report. I have filed disputes three times. Debt is a result of a legal action for a person with a similar name to me. I have sent the court records that I obtained from the XXXX XXXX XXXX XXXX to the dispute and it keeps getting confirmed.
01/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63139	Web
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	IL 60490	Web
XXXX XXXX credit card was missing, plus I moved to my XXXX house in XXXX, and XXXX I have paid it off, and credit repair but it is on there preventing me to own a home XXXX card wasnt remove after I paid them. I have no idea about XXXX clinic I already paid them. I dont owe no one of these companies.
03/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63017	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
04/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63114	Web
Collections company by the name of MEDICAL COMMERCIAL A is reporting incorrect information to XXXX, XXXX and XXXX I do not have any account nor contract with this said collection agency MEDICAL COMMERCIAL A, nor do I have any account with the original creditor XXXX XXXX XXXX XXXX.
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60610	Web
Please provide proper documentation that you in fact a covered entity under HIPAA and the name and address of the original alleged debt holder. Pending my receipt of this information and in accordance with federal laws, cease and desist reporting to the bureaus.
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70806	Web
On XX/XX/XXXX, I was sent an email stating that accounts have been closed. I spoke with XXXX in the MCA Management office and she stated everything had been cleared. However, even after contacting the bureaus they are still showing on all 3 reports.
08/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 62702	Web
MCA Management company is a collection agency NOT licensed by the IL Department of Professional Regulations attempting to collect a debt I DO NOT owe. I am attaching a screen grab from the IL dept of Professional ref website license look up.
11/13/2023	Yes	Debt collection Other debt	Electronic communications You told them to stop contacting you, but they keep trying	MO 65203	Web
I sent a certified letter to MCA Management in XX/XX/XXXX advising that I am disputing the charges as well as advising to stop ALL communications with me due to disputing. I received a email on XX/XX/XXXX re-requesting payment for the debt
01/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60620	Web
This company is illegally trying to collect a debt that I DO NOT owe. Also illegally violated my HIPPA rights. I have written the company before to resolve this issue. I plan to take legal action if this issue is not resolved.
04/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63118	Web
Receive a call stating that they are trying to collect a debt that isn't mines. I never received any services from this place of business and made this aware to them that this is not my account.
09/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63130	Web
MCA Management ( XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX ) has an incorrect collection on my XXXX credit report. I was never contacted by MCA, I've never talked to MCA about this {$750.00}.
11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63121	Web
I filed a identity theft report in XX/XX/2023. Listed on my credit report is MCA Management and XXXX XXXX XXXX. I have no contracts with either of these creditors.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63376	Web
Hello i am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.
11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 63125	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
01/29/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60435	Web
So I sent you guys a letter about XXXX weeks ago and still haven't heard anything back. You guys are reporting inaccurate information on my credit report.
04/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30252	Web
I do not have any idea why this company is trying to collect money from me. I do not owe them any money nor any of the companies that they collect for.
07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60629	Web
Account still showing open and delinquent when its paid in full. Company stated it will be removed on the XX/XX/2020.
07/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60629	Web
Made a payment for all 3 medical bills in amount of {$81.00} to be deleted off credit report on XX/XX/20
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63130	Web
I do not have an account with this company. They incorrectly reported to my consumer report
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	IL 60490	Web
MCA havent removed collection of my XXXX and XXXX
02/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 631XX	Web
I don't have any collections with XXXX XXXX.
12/11/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MO 63303	Web
This debt has been paid
09/19/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	NC 27606	Web

08/26/2023	Yes	Debt collection Rental debt	False statements or representation Impersonated attorney, law enforcement, or government official	MO 63111	Web

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60098	Web

05/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60637	Web

04/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63136	Web

03/01/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 62207	Web

02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63106	Web

02/25/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63074	Web

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63031	Web

01/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60620	Web

01/07/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63136	Web

11/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63116	Web

10/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30213	Web

08/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46319	Web

08/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NC 27701	Web

07/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60406	Web

07/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 62269	Web	Servicemember

06/24/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IN 46311	Web

03/08/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63114	Web

02/28/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63104	Web

02/11/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MO 63368	Web

01/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 60409	Web

01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 62207	Web

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60620	Web

11/15/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 63052	Web

10/19/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64734	Web

10/12/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63135	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63138	Web

08/18/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	CA 92105	Phone

08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63115	Web

08/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 63012	Web

07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33426	Web

05/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63121	Web

04/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63126	Web

02/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 63368	Web

02/19/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 63109	Web

10/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 62080	Web

09/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60612	Web

08/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63111	Web

05/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55408	Web

03/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49024	Web

03/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49024	Web

10/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63121	Web

08/13/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63044	Web

04/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63301	Web

03/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63031	Web

02/14/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 63627	Web

06/28/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75067	Web

12/27/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MA 02186	Web

12/17/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 63116	Web

12/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63033	Web

10/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63103	Web

06/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63043	Postal mail

08/11/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MO 63110	Web

07/29/2013	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MO 63031	Referral