MERCANTILE ADJUSTMENT BUREAU, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/13/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NH 03867	Web
On XX/XX/XXXX a Judgment was issued against me for the credit card debt that I owed to XXXX XXXX XXXX XXXX in the amount of {$6200.00}. The payments were ordered at {$40.00} per month, payable to XXXX XXXX XXXX, XXXX XXXX Counsel C/O the law firm of XXXX, XXXX XXXX XXXX, XXXX ( whom was representing XXXX XXXX XXXX XXXX in this matter ) On XX/XX/XXXX I received a letter of explanation along with a court appearance/withdrawal that the law firm of XXXX, XXXX XXXX XXXX, XXXX was withdrawing their appearance in this matter on behalf of XXXX XXXX XXXX XXXX. The new law office, XXXX/XXXX, XXXX filed their appearance and in the letter of explanation I was directed to make all future payments to the new law office that was taking over. At that time I telephoned XXXX/XXXX, XXXX and spoke to XXXX XXXX to confirm my outstanding balance, which at that time was {$4800.00}. On XX/XX/XXXX I received a statement from XXXX, XXXX reflecting a balance of {$3700.00}, after making my {$40.00} payment the next statement on XX/XX/XXXX reflected a new balance of {$3700.00}, which confirmed that my payments were being deducted form the balance. On XX/XX/XXXX my account was transferred to a collection agency : XXXX XXXX XXXX. On XX/XX/XXXX my account was transferred to Mercantile Adjustment Bureau , LLC stating that my balance was {$3400.00}, which I do not agree is accurate. On XX/XX/XXXX I sent a certified letter to Mercantile Adjustment Bureau , LLC disputing the balance and requesting proper verification of the debt and a complete payment history on the account. On XX/XX/XXXX Mercantile Adjustment Bureau , LLC responded stating that my balance was {$3400.00} and including a copy of the original Judgment from XX/XX/XXXX. In a separate mailing on XX/XX/XXXX I received another letter from Mercantile Adjustment Bureau , LLC with a payment history ranging from XX/XX/XXXX - XX/XX/XXXX, which did not include a payment that was made on XX/XX/XXXX for {$40.00} and on XX/XX/XXXX for {$40.00} ( these checks were made out to XXXX/XXXX, XXXX, however on the XX/XX/XXXX check copy it is stamped " For Deposit Only XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' confirming that both checks were cashed for a total of {$80.00} ). In addition I added up all of the payments that were sent in the XX/XX/XXXX response from Mercantile Adjustment Bureau , LLC and I do not agree with the {$3400.00} balance, the true balance after adding up all of my past payments totaling {$3600.00} on the original Judgment amount {$6200.00} should only be {$2500.00}. On XX/XX/XXXX I sent a certified letter back to Mercantile Adjustment Bureau , LLC explaining why I do not agree with the owed balance, especially after using the payment history that they have provided to me on the account. I requested a proper accounting verification of the debt balance that they reflect as {$3400.00}, I also included the copies of the two cashed check copies for {$40.00} each that were sent on XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX Mercantile Adjustment Bureau , LLC responded to my request updating the balance to {$3300.00} and stated " enclosed please find validation for the above mentioned account '' they only enclosed a copy of the of the original Judgment from XX/XX/XXXX and a " current balances '' printout stating the following : total balance {$3300.00}, principal balance {$3300.00}, interest balance {$10.00}. Mercantile Adjustment Bureau , LLC did not respond timely or properly to my request, my account is off by over {$800.00} and they can not validate it, clearly they are violating the Fair Debt Collection Practices Act and I am completely frustrated with this! I will be uploading all documents that support my summary. In response to the letter from Mercantile Adjustment Bureau , LLC to CFPB dated XX/XX/XXXX. I affirm that they sent me a copy of the jugement along with my payment history on XX/XX/XXXX. On XX/XX/XXXX I sent another letter disputing the balance along with two additional payments that they did not include in the statement, I sent two cashed checks copies. In its letter dated XX/XX/XXXX Mercantile Adjustment Bureau , LLC affrims receiving this letter from me on XX/XX/XXXX and states that " after reviewing the matter with our client, we determined that the current balance is accurate, The judgment amount was {$6200.00} plus court costs and interest at the legal rate in New Hampshire, which interest has been accruing since the judgment was entered on XX/XX/XXXX '' This is troubling because I have now sent two letters asking for verification of the debt amount and I have not received any statements showing the court costs, post-judgment interest, or accruing interest as mentioned only the payments that I have made. Furthermore, Mercantile Adjustment Bureau , LLC did not respond timely to the letter that they received from me until XXXX, XXXX XXXX, just about 60 days later. Secondly, Mercantile Adjustment Bureau , LLC states " all of Mr. XXXX XXXX payments, which total {$3800.00} as of the date of this response, have been applied to the balance. Mercantile denies that it did not respond in a timely manner or proper manner and denies any violation of the FDCPA. '' So waiting nearly two months in response time from Mercantile Adjustment Bureau , LLC and they only sent me a printout of my payments and a piece of paper listing current balances, etc. and no validation of the mentioned post-judgment interest, court costs, and interest does not violate my rights under the FDCPA? Furthermore, all previous collectors in this matter had to file an appearance in the judgment, I have never received an appearance from Mercantile Adjustment Bureau , LLC in this case. Lastly, Mercantile Adjustment Bureau , LLC states in its letter dated XX/XX/XXXX " However, in an effort to resolve the dispute in the manner most favorable to Mr. XXXX, XXXX and its client will agree to reduce the balance to {$2500.00}, which is the amount cited in Mr. XXXX XXXX second dispute as the remaining balance he believed was due on the account. '' In my opinion, Mercantile Adjustment Bureau , LLC should be liable for a violation under the FDCPA 807. False or misleading representations. They can not provide me with all requested verification on the amount owed after two attempts, but will reduce the stated amount to " the amount that I have cited '' in my dispute that Mercantile Adjustment Bureau , LLC received on XX/XX/XXXX. Obviously Mercantile Adjustment Bureau , LLC can not properly validate this debt and it violates my rights under the FDCPA.
11/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76039	Web	Servicemember
THIS COMPLAINT IS IN REGARD TO INACCURATE INFORMATION EXISTING ON MY XXXX/XXXX XXXX CREDIT REPORT. THIS COMPLAINT IS AGAINST MERCANTILE ADJUSTMENT BU AT THIS TIME. This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. MERCANTILE ADJUSTMENT BU provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. MERCANTILE ADJUSTMENT BU regularly furnishes consumer credit reports to Creditors electronically. MERCANTILE ADJUSTMENT BU is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. MERCANTILE ADJUSTMENT BU routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified MERCANTILE ADJUSTMENT BU at the address specified for such disputes that MERCANTILE ADJUSTMENT BU is reporting inaccurate information concerning my consumer credit. As a victim of identity th eft I expect the information in my consumer report to be accurate and my disputes taken seriously. MERCANTILE ADJUSTMENT BU has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to MERCANTILE ADJUSTMENT BU. MERCANTILE ADJUSTMENT BU receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on MERCANTILE ADJUSTMENT BU S website. Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, MERCANTILE ADJUSTMENT BU, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is MERCANTILE ADJUSTMENT BU s policy and practice only to compare the name, social security number, date of birth, and address in MERCANTILE ADJUSTMENT BU s computer database with the information provided on ACDV forms. Where three of the four items match, MERCANTILE ADJUSTMENT BU will report to the Consumer that it has verified the information it furnished as accurate. It is MERCANTILE ADJUSTMENT BU s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because MERCANTILE ADJUSTMENT BU collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. In disputes involving identity theft or fraud allegations, MERCANTILE ADJUSTMENT BU s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, MERCANTILE ADJUSTMENT BU will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, MERCANTILE ADJUSTMENT BU continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted MERCANTILE ADJUSTMENT BU at the address specified by MERCANTILE ADJUSTMENT BU to dispute information furnished by MERCANTILE ADJUSTMENT BU to a Creditor and to notify MERCANTILE ADJUSTMENT BU that the information is inaccurate. In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). Under Sections 13 ( b ) and 19 of the FTC Act, 15 U.S.C. 53 ( b ) and 57b, I am able to recover all equitable and ancillary relief as it may deem appropriate in the enforcement of the FCRA, the FDCPA, and the FTC Act, including the ability to order rescission or reformation of contracts, restitution, the refund of monies paid, and disgorgement to deprive a wrongdoer of ill-gotten gain. Section 621 of the FCRA, 15 U.S.C. 1681s, authorizes a Court to award monetary civil penalties of not more than {$2500.00} per violation for each violation of Sections 623 ( a ) ( 3 ) and 623 ( b ) of the FCRA. I want MERCANTILE ADJUSTMENT BU to remove these inaccurate items.
12/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75211	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. Mercantile Adjustment Bureau & XXXX {$780.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
In XXXX of XXXX, my husband and I bought a water treatment system from XXXX XXXX. The sales representative, who was also a family friend, took our application and copies or pictures of both of our IDs. Everything seemed fine, and the system was installed. By the beginning of XXXX, we received our first bill. However, in XXXX, I received a letter from XXXX XXXXXXXX informing me that my checking account would be debited on XX/XX/XXXX for a specified amount. When I immediately contacted the financial institution for the water system that was installed in XXXX, I found out that they had not sold or transferred my loan and that my account was active and had a remaining balance. I then contacted XXXX XXXXXXXX, and they informed me that an account had been opened between XXXX and XXXX of that year. I requested the original documents, which they provided, and immediately realized that my information had been used without my knowledge or authorization. After further investigation, I was able to locate the company where the account had originated. I contacted the owner and explained the situation, and I found out that one of their employees had used my Name, DOB, and SS number to establish not one but two accounts through XXXX XXXX, both for water treatment systems. XXXX was financed through XXXX XXXXXXXX, and the other through XXXXXXXX XXXX Upon questioning the crook, we realized how she came into possession of my very private and sensitive information. The sales agent from XXXX XXXX had irresponsibly shared a picture of mine and my husband 's ID along with full SS numbers in a XXXX group. From there, XXXX XXXX, a former employee of XXXX XXXX, took our information and not only opened two accounts under my name but also shared my information with another crook who opened an account with XXXX XXXX XXXX XXXX. After visiting with the Owner and manager of XXXXXXXX XXXX ( XXXX and XXXX XXXX ), I contacted my local police and filed a report. At the time I filed the report, I had not yet pulled my credit and was only aware of the accounts with XXXX and XXXX XXXX. Therefore, XXXX XXXX XXXX XXXX is not mentioned there. XXXX XXXXXXXX, is the only company that has removed my information from their system and sent me a letter notifying me that my name has been cleared, and the charges under my name have been erased. Regarding XXXXXXXX XXXX, I contacted them in XXXX and notified them of the fraudulent activity. A representative called me back and requested the police report, which I provided, and then I did not hear back from them. The owner of XXXXXXXX XXXX let me know that they had collected the money back from her company, and I assumed since there were no more calls or letters that the account had been removed from my credit file. However, on XX/XX/XXXX, I received a collection letter from Mercantile Adjustment Bureau trying to collect {$9000.00}. I explained the situation and requested all proving documents, and I have emailed them to the bureau. XXXX XXXX has been more than a nightmare. From the beginning, they refused to help or assist me in any way. Every time I called to report the fraudulent account, they directed me to the credit bureaus. I requested to be connected with a manager or anyone who could escalate the situation for it to be investigated, but they simply denied it. Their excuse was that they needed the account number to locate the account or my information on their system. Somehow I was able to obtain the account number, and finally, they " opened an investigation. '' The credit bureaus have provided them with all the information I had provided, but they refuse to delete the account. I have proof that I have lived at my current residence since XXXX and that the address they have is false. I have provided them with the police report. Since last week, I have been receiving text messages and phone calls from them wanting to collect the past-due payments and threatening to send it to collections.
03/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web
Merc Adj Bureau had added an account showing me as being deliquent with them. I have never contracted to do business nor are they in receipt of any such request on my behalf. I have sent them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : 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 might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 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, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. 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 from the original creditor, 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. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination 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. Details about your authority to collect this debt. 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. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed. I have no idea who Merc Adj Bureau.
11/21/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AK 995XX	Web	Older American
On XX/XX/XXXX I agreed to accept a XXXX XXXX security system, from sales representative XXXX XXXX. I have a hand written note card written by XXXX with items included in the purchase and payment amounts. I will be including a scanned copy of that item with this complaint. I do not have any copy of any document related to this transaction that bears my signature or initials. I've been making monthly payments for the XXXX monitoring service, but to the best of my recollection I've not been billed for the XXXX equipment that was installed in my home, which reinforced my understanding that XXXX XXXX had waived charges for the equipment at the time of our transaction. In XXXX or XXXX of this year XXXX XXXX ) I started receiving phone calls from a debt collector. The calls were coming to my land-line phone, which is our " junk '' line. I rarely answer any calls on that phone line unless the call is clearly identified as someone or organization with which we are familiar, otherwise we depend on the caller leaving a voicemail message. We know that anyone with whom we are familiar or any business with which we commonly do business call us on onXXXX of our cell phone numbers. On or about XX/XX/XXXX, I received a notice via postal mail from Mercantile Adjustment Bureau , LLC, on behalf of XXXX Bank, XXXX, regarding an alleged debt of {$2000.00} without any description of the subject or origin of the debt. At some point ( I don't recall the specific conversation ) I learned that the debt was for the equipment that XXXX had installed. It was my understanding during my sales discussion with XXXX XXXX that the costs for the equipment were being waived. This understanding has been reinforced by the fact that I have not received any billing statements for the equipment. In a recent discussion with XXXX XXXX he claimed that he did not waive the cost of the equipment, that he did not have the authority to do so. It is quite evident to me that XXXX and XXXX Bank are deliberately playing a " shell game '' in order to plausibly deny responsibility, with each of those two parties pointing the finger at each other to indicate who should be responsible for resolving this issue. In talking to XXXX headquarters in XXXX, they told me that the issue lies with XXXX Bank. When I called XXXX Bank XXXX XXXX XXXX XXXX all he would tell me was that the only resolution they would accept would be my payment of the full amount, even though I had never been billed by XXXX Bank for monthly payments. I think it is strange that XXXX Bank is involved as a creditor in this issue, since my only business transaction was with XXXX. On XXXX of this year I called XXXX to request a copy of my contract with them, which I received. I'm including a copy of that contract with this complaint. The contract does not have my signature or initials anywhere in the document. Although cost of the equipment XXXX {$2100.00} XXXX is identified, there is no mention of XXXX Bank, nor how that amount is to be billed or paid. I was never contacted by any agent or " assignee '' of XXXX about payment arrangements for the amount of the {$2100.00}. We continue receiving the annoying phone calls from Mercantile on our landline phone, at least once per week. The most important impact this situation has had on us is the damage done to our credit ratings. Because of this at least two other of our creditors have drastically cut our credit limit on our account with them. The longer this issue remains unresolved, the greater the impact will be on our credit. My wife and I do not have the funds to pay the alleged debt, which I believe is invalid since I was never been informed by either XXXX or XXXX Bank about who would be collecting payment of the alleged debt, nor about any billing/payment structure.
04/22/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NH 03867	Web
On XX/XX/XXXX a Judgment was issued against me for the credit card debt that I owed to XXXX XXXX XXXX XXXX in the amount of {$6200.00}. The payments were ordered at {$40.00} per month, payable to XXXX XXXX XXXX, XXXX XXXX XXXX C/O the law firm of XXXX, XXXX XXXX XXXX, XXXX ( whom was representing XXXX XXXX XXXX XXXX in this matter ) On XX/XX/XXXX I received a letter of explanation along with a court appearance/withdrawal that the law firm of XXXX, XXXX XXXX XXXX, XXXX was withdrawing their appearance in this matter on behalf of XXXX XXXX XXXX XXXX. The new law office, XXXX, XXXX filed their appearance and in the letter of explanation I was directed to make all future payments to the new law office that was taking over. At that time I telephoned XXXX XXXX and spoke to XXXX XXXX to confirm my outstanding balance, which at that time was {$4800.00}. On XX/XX/XXXX I received a statement from XXXX, XXXX reflecting a balance of {$3700.00}, after making my {$40.00} payment the next statement on XX/XX/XXXX reflected a new balance of {$3700.00}, which confirmed that my payments were being deducted form the balance. On XX/XX/XXXX my account was transferred to a collection agency : XXXX XXXX XXXX. On XX/XX/XXXX my account was transferred to Mercantile Adjustment Bureau , LLC stating that my balance was {$3400.00}, which I do not agree is accurate. On XX/XX/XXXX I sent a certified letter to Mercantile Adjustment Bureau , LLC disputing the balance and requesting proper verification of the debt and a complete payment history on the account. On XX/XX/XXXX Mercantile Adjustment Bureau , LLC responded stating that my balance was {$3400.00} and including a copy of the original Judgment from XXXX. In a separate mailing on XX/XX/XXXX I received another letter from Mercantile Adjustment Bureau , LLC with a payment history ranging from XX/XX/XXXX - XX/XX/XXXX, which did not include a payment that was made on XX/XX/XXXX for {$40.00} and on XX/XX/XXXX for {$40.00} ( these checks were made out to XXXX XXXX, however on the XX/XX/XXXX check copy it is stamped " For Deposit Only XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' confirming that both checks were cashed for a total of {$80.00} ). In addition I added up all of the payments that were sent in the XX/XX/XXXX response from Mercantile Adjustment Bureau , LLC and I do not agree with the {$3400.00} balance, the true balance after adding up all of my past payments totaling {$3600.00} on the original Judgment amount {$6200.00} should only be {$2500.00}. On XX/XX/XXXX I sent a certified letter back to Mercantile Adjustment Bureau , LLC explaining why I do not agree with the owed balance, especially after using the payment history that they have provided to me on the account. I requested a proper accounting verification of the debt balance that they reflect as {$3400.00}, I also included the copies of the two cashed check copies for {$40.00} each that were sent on XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX Mercantile Adjustment Bureau , LLC responded to my request updating the balance to {$3300.00} and stated " enclosed please find validation for the above mentioned account '' they only enclosed a copy of the of the original Judgment from XXXX and a " current balances '' printout stating the following : total balance {$3300.00}, principal balance {$3300.00}, interest balance {$10.00}. Mercantile Adjustment Bureau , LLC did not respond timely or properly to my request, my account is off by over {$800.00} and they can not validate it, clearly they are violating the Fair Debt Collection Practices Act and I am completely frustrated with this! I will be uploading all documents that support my summary.
01/02/2017	Yes	Credit card	Credit determination	NM 870XX	Web
I was in a 8yr relationship # My ex applied for a XXXX credit card. # XXXX. XXXX XXXX primary. He asked for a card for me : secondary account holder. I 've always made monthly the payments. My son was XXXX in XXXX, I XXXX etc.. In XXXX. XXXX was transfered from XXXX to XXXX XXXX XXXX XXXX. In XXXX we split up but I kept contact with XXXX to resolve all creditors. I reviewed all bills- saw XXXX neglected ALL bills. I was upset as my credit now tarnished due to his neglect. I called XXXX and operater/tech. Said account charge off sent to : Merchant Ile Adjustment Bureau. XXXX/XXXX/XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX. I called : Employed XXXX answered. I explained to him my cituation & I wish to rectify my credit standing. He said amount owed {$810.00}, ( We can settle for {$460.00} AND {$80.00} payment today for 6months ) I paid {$80.00} on XXXX/XXXX/XXXX # XXXX confirmation. I also requested a recipient of proof of payment & the agreement. XXXX said it will be sent to my XXXX. In a couple of days ... waiting I called The Merchantle collection Co. Again! XXXX/XXXX/XXXX They said theyes will search & mail. On XXXX/XXXX/XXXX XXXX. I called Merchant Adjustment Bureau. I spoke with XXXX : she & I were on phone 28minutes. She could n't find my payment!! I asked her to ask Supervisor XXXX XXXX XXXX got on phone. Interrogated me. I gave her & XXXX all data, accnt # names, Ss # 's, DOB's..she gave me her Speak! I asked again to please send me proof of my payment! I PAID {$80.00} XXXX ... It 's paid w/pre-paid credit card. She yelled at me, kept covering my voice! I said : STOP I 'm A Human Stop Yelling Get a supervisor She said she 's a Team leader. I SAID PLEASE GET SUPERVISOR, I asked when XXXX would be in. XXXX SAID : XXXX XXXX XXXX ... WE GIVE OUT DIFFERENT NAMES! I SAID ; THAT 'S ILLIGAL- YOU MUST IDENTIFY YOURSELF! Yelling I Hung up! Called back 2nd person XXXX XXXX said ; account @ XXXX stop calling them I asked for my receipt- He said : He ca n't give it to me- led to his raising Voice, again covering My voice. I CALLED XXXX XXXX ( XXXX ) XXXX, got XXXX ( nice lady but she 's in Fraud Dept ) She located payment-promised to see details me a copy. Transfered me to a XXXX Collections. " XXXX '' now! Then ... .he said he can he ca n't help me! He ca n't abide BY Agreement I had. I said ; XXXX charged off account! Sent to " Merchantile Adjustment Bureau " they made agreement with me COLLECTED A {$80.00} PAYMENT-PROMISED TO MAIL AGREEMENT & RECEIPT, you XXXX Owner ofor Account is Denying Agreement issues By a contracted Collection Agency! That 's Unethical and sounds Illigal! An agreement was made a decision a payment to was made!!!!!! I 'm not Primary but my name attached and I 'm trying to pay off an account to my ex XXXX XXXX neglected! You a XXXX employee is telling Me you ca n't help! Wow. I was treated abruptly, disrespectful in a huge Inhumane manner! XXXX XXXX ( XXXX XXXX XXXX. XXXXXXXXXXXX I do n't know own what to do? My credit is Vital! My ex neglected all bills. I was never married! XXXX not community property State. I could easily avoid al, bills as XXXX XXXX but I refuse to let my credit be tarnished. I lostXXXX my XXXX child! I do n't want to loose my credit!
04/27/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 076XX	Web
To Whom It May Concern, In XX/XX/XXXX, I have requested for credit card limit increase to XXXX XXXX XXXX. However, they could not increase my spending limit due to my annual income. At that time, XXXX of the specialists called me and told me that there 's a collection on my account that I would need to find out which is a negative impact on my credit report. This is when I first find out about my collections. On XX/XX/XXXX, I have contacted Mercantile ( Collection Company ) and spoke with XXXX XXXX ( XXXX # XXXX ) to find out about what the collection was for. She told me that it was from the XXXX Hospital that billed me and went to Collections Company. So I told her, " I had my school insurance during that time and should have been covered. '' XXXX XXXX was unaware of that matter and told me to contact the Hospital to dispute the bill. So, I contacted the Hospital and found out that I would have to contact their XXXX party billing service company, XXXX because they are the one who sent the bill and to collections. Before I contact the XXXX party billing Service Company, I have contacted my insurance company and spoke with XXXX XXXX if my policy was covered for the bill during XX/XX/XXXX. He told me that they never received any claims under my policy and even if they did, it should have been covered. ( Please refer to copy of email received from XXXX XXXX. ) On XX/XX/XXXX, I contacted XXXX the XXXX party billing company and spoke with XXXX to ask if she can dispute the balance due under my account. However, she told me that she could not open up any bills because they are no longer in service with XXXX Hospital. Therefore, she can not dispute my bills and told me to contact the Hospital again ... I have tried to dispute this bill by contacting Collections Company, the XXXX hospital, XXXX party billing service, insurance company, and new XXXX party billing service for XXXX Hospital. However, there was no one who can dispute or even open the bill and claim it to insurance company. I have never received the bill and unaware of it because I lived in XXXX, NY only for five months. After contacting all those parties, I contacted Hospital for XXXX last time. XXXX of the representatives from XXXX hospital understood my situation and told me to contact the XXXX credit bureaus directly and dispute the collections. Therefore, I contacted XXXX, XXXX, and XXXX and sent all my documents to request dispute. As a result, XXXX have deleted my collections. However, XXXX can not dispute my collection because Mercantile ( collection company ) denied to my request. XXXX told me if I 'm not satisfied to the results, I would need to send Personal Statement explaining why I 'm not satisfied.. First of all, I did not understand why XXXX asked Collections Company to dispute it again. I already told them that I was not able to dispute with any of the related parties. Please consider my situation and investigate my account. Thank youXXXX XXXX XXXX
04/09/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web	Servicemember
In the year of XX/XX/XXXX I, XXXX XXXX XXXX gave permission XXXX XXXX XXXX XXXX by phone with XXXX XXXX XXXX to apply my name as a co-signer to his purchase of a XXXX XXXX XXXX for {$6000.00}. I did not receive any paperwork regarding his purchase. Without my knowledge in the year of XXXX XXXX XXXX XXXX aloud XXXX XXXX XXXX to trade the car in for a XXXX XXXX XXXX without my consent. The XXXX XXXX XXXX XXXX did not reach out to me by phone, letter, or email to inform me that this change was being made and or get my consent to apply my name to the purchase of {$32000.00}. When I found out about this new loan it was three months after the loan was finalized, it was brought to my knowledge when I received the late notice of his payment. After discovering this new loan, I contacted XXXX XXXX XXXX XXXX and asked them why they would place my name on a new loan without my consent or signature. The XXXX XXXX XXXX XXXX representative confirmed that this was not supposed to take place but also informed me that they would not be taking my name off of the loan. XXXX XXXX XXXX XXXX stated it would be my responsibility to get him to refinance the loan in his name only. Then in the year XX/XX/XXXX, the XXXX XXXX XXXX XXXX aloud XXXX XXXX XXXX to traded the XXXX XXXX XXXX in for a XXXX XXXX XXXX XXXX. Once again my name was applied to this vehicle loan without my consent. I notified XXXX XXXX XXXX XXXX and closed out all my accounts dealing with them. For the last year, XXXX XXXX XXXX XXXX has refused to give me any information about the account or why they are still trying to collect {$27000.00} from me after the XXXX XXXX XXXX XXXX was wrecked and most of the loan was paid off. They have turned this account ending in XXXX over to a collection agency and no one will talk to me about it, or tell me if he received any credit for the XXXX XXXX XXXX that was turned in due to XXXX XXXX XXXX 's lack of ability to make the payments for the vehicle, nor, for the XXXX XXXX XXXX that was wrecked. The Insurance company was supposed to pay most of this vehicle loan off for once the XXXX XXXX XXXX was wrecked. Could someone look into this and find out is this legal because I feel like I am being held XXXX by this situation being on my credit report. This item should be taken out of my name and off of my credit report leaving only XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to be liable for these loans. I do believe XXXX XXXX XXXX XXXX owes me because everything I have bought on credit since the year of XX/XX/XXXX, I have had to pay more for.
03/14/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	DE 19701	Web
On Thursday, XX/XX/2019, I ( " Petitioner '' ) : ( i ) received an in-bound phone call from XXXX at approximately XXXX XXXX from Mercantile Adjustment Bureau ( " Agency '' ). Upon replying in the affirmative I was the party sought by the Agency 's agent, the call went silent. ( ii ) after a period of a few second, Petitioner asked if Agency 's agent was on mute to which no response was provided. ( iii ) which a period of no more than XXXX, Petitioner disconnected as no response was provided by Agency 's agent. ( iv ) Petitioner placed outbound call to Agency and was greeted by what apparently sounded like the previous Agency 's agent. Petitioner explained after verifying sought person 's name, the Agency 's agent sat silent. Petitioner was placed on hold. The supposed previous Agency 's agent answered. Petitioner believed this was in face the same person that answered the inbound call placed by Petitioner and asked the nature of the call. Petitioner identified himself by name noting the date of birth. Upon being asked if the Agency was a third party debt collector, Agency 's agent did not provide a response and proceeded to obtain Petitioner 's social security ( last four digits ). Petitioner challenged noting the verification was established by way of Agency 's agent lack of response on the outbound call, Petitioner 's inbound return and verification of name and date of birth. Petitioner then asked again if the Agency was a third party debt collector and if such the Agency should send the required thirty day notice via mail for review further noting Petitioner was currently at work and could not devote further time to the matter. Agency 's agent failed to address the thirty day notice letter required by law and proceeded to seek Petitioner 's verification of an account with two named corporate entities ( XXXX XXXX and XXXX XXXX ). When Petitioner noted a lack of knowledge reasserting Agency should send the regulatory required 30 day notice, Agency 's agent noted he would contact another individual. Petitioner ended the call. ( v ) Agency is in violation of FDCPA for failure to provide written notification advising Petitioner of legal right to dispute, among others. ( vi ) Agency is in violation of FDCPA for harassment as it placed an outbound call to Petitioner and placed the call on silent following Petitioner 's initial verification of identity. ( vii ) Agency is in violation of FDCPA for harassment and threat of further action noting it was place an outbound call to another individual.
11/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07036	Web
THE COMPANY, MERCANTILE ADJUSTMENT BUREAU, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. Your failure to verify* this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.
09/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 193XX	Web
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that Mercantile sends me valid proof that I am legally obligated to pay you. Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Documentation bearing my signature where I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector XXXX Show me your license numbers and registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
06/03/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NJ 08096	Web
I had a vehicle and the loan company was XXXX XXXX XXXX. Back in 2011 approximately the vehicle without notice and owing only XXXX payment plus the current after that month due. They went to my job without warning to repossess my pick up truck. I called the dealer XXXX name is XXXX XXXX and explained the situation they were not helpful at all. I asked them to cancel the gap insurance and the warranty insurance. I was told that the money was to be applied toward the loan company. Left it as is. Then I received notice from the loan company stating that the vehicle in question was sold in auction and that I only owed XXXX dollars. then they send me another notification that it was considered a charge off. Then as of month ago my wife and I have been receiving threatening calls that we owed XXXX and that we could settle for XXXX. My wife explained the situation and the were threatening us for the total amount due, of which is inaugurate. The calls did not stop until we told them that we were going to file a complaint through the Federal Trade Commission. They were `very nasty towards my wife. They got to a point where every day they were calling my wife had to go thru a hard time of being blackmailed. Even when they told her that they needed the money right away. We explained to them that mount was crazy. They kept on calling until we told them we were making a complaint then they told her that the calls were stopping. I gather information that is relevant to this case Spoke to XXXX XXXX at Mercantile Adjuster Bureau he is the vice president XXXX Their number and address are as follows XXXX XXXX XXXX NY XXXX XXXX there is deficiancy of XXXX. When we received the auction papers thje vehicle was sold approximately XXXX keeping the gap insurance and the warranty. They do not want to go into details and told my wife that they were sending us a validation of the account their reference number is XXXX. XXXX XXXX XXXX account number XXXX. When I called them they had a recording the the debt is XXXX. This is a joke can not comprehend this at all and need your help figuring in a prospective that I can understand they can not come years and years the fact ant tell us this. Your help in this matter shall be greatly appreciated.
05/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	NY 14150	Web
I had been contacted recently by XXXX University XXXX at XXXX, that I was being sent to collections over an old parking ticket. For reasons I do not fully understand. I remember contacting the college about this after receiving the letter asking for verification of debt and immediate cease and desist. I also got the name of the collection agency and instructed them no contact. I then received an official looking envelope, color XXXX. The only type of letter that is blue is a summons or a lawsuit paperwork. For a collection agency to mail a letter to an alleged debtor in a blue envelope and an incomplete unverified address may be violations of the Fair Debt Collections Practices Act ( U.S.C. Title 15 ) and various Student Privacy Laws as amended. This document resembles a tax document or income tax refund check. In addition, this document looks like a summons because summons documents possess barcodes similar to this. In addition there is a return address of XXXX XXXX XXXX XXXX, XXXX XXXX and a postal permit address in XXXX XXXX, XXXX So this is deceptive. ( Title 15 U.S.C. ) In addition, I had already requested no contact except from XXXX XXXX XXXX or the collection agency. I requested several court dates back in the day because I was not a student at the time of the parking ticket. I visited the campus because the college refuses to issue bills. Students must visit the college website, remember their student ID and get their bill. Some type of technical issue prevented this technical ability because I was being billed for health insurance I was never informed that I had, so not only did XXXX XXXX endanger my life because I was a XXXX patient whom had no idea he had insurance. I parked in a XXXX minute free parking zone. There were no markings on the tires to indicate the University police ever checked a start and end time. Nor did I get a day ion court to reduce the fee or charges. Now I believe a law may have been broken by the college and or the collection agency representing the college.
01/29/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NH 03053	Web
I cosigned a student loan thru XXXX XXXX for my daughter XXXX XXXX and 2 years ago she defaulted on the loan and it was sent to XXXX XXXX XXXX. My daughter has been paying to the debt collection agency but missed a payment in XX/XX/XXXX and she called Mercantile on XX/XX/XXXX because she hadn't gotten a check from her work. Subsequently she called and left a message that they could resume debiting her account for the missed payment. I don't know what happened after that but I was told by XXXX that she missed the payment in XXXX and XXXX was not paid. On XX/XX/XXXX I went to check my checking account which is thru XXXX and XXXX had been taken out of my checking and XXXX? out of my savings on XX/XX/XXXX to settle one of the owed amounts. I called the bank thinking I had been hacked and that is when i found out about a closed account from XX/XX/XXXXand was given the number of the account and was told to go to the branch. I went and that is when I found out what it was about and that all of my money was gone. I never received a phone call or a letter about the missed payments. I am currently paying 3 of my daughter 's loans thru XXXX and have never missed a payment. My daughter has her own bank account but not thru XXXX and she had {$6000.00} in her savings but instead of going after her they decided without any communication to garnish my checking and savings. I am currently unemployed as my entire department was eliminated in XXXX and this presents as a financial burden for me. Subsequently, I received a letter ( attached ) dated XX/XX/XXXX on XX/XX/XXXX of her still outstanding balance on her other loan that Mercantile has seen sent to a law agency. On the letter it distinctly says that " we have not been retained to file a law suit ''. They never sent a letter concerning the XXXX? and per Section 809 of the Fair Debt Collections Practice Act, the agency must give me 30 days written notice after which they can file a lawsuit and only after winning a judgement can they garnish my account.
06/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77546	Web
My name is XXXX XXXX XXXX XXXX and my SSN in XXXX. I moved from XXXX XXXX, TX to XXXX, TX in XX/XX/XXXX. I got apartment located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX and I signed up electric with XXXX. In XX/XX/XXXX, I bought home located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX and XX/XX/XXXX I bought a home located at XXXX XXXX XXXX XXXX , XXXX, TX XXXX. Because apartment is for 6 month term, in XX/XX/XXXX, I called XXXX to advise them that we had to cancel electric at apartment since lease was over and we already moved to home. I paid all bills and I advised XXXX customer representative that my forwarding address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I never received bills from XXXX and later on when check my credit score and apply for mortgage, it showed that I had collection account with XXXX. I mailed to XXXX and XXXX to let them know that I never received any bills, collections from them and correct address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. If there is left over bill, they need to send to correct address so I can review and pay. If they sent to wrong address or my old apartment 's address, of course it will not be delivered to me. XXXX said they already removed it from my credit report and now XXXX continued to transfer it to Mercantile Adjustment Bureau. I disputed all fees and collections with Mercantile Adjustment Bureau since they did not send mail to my correct address and I was never notified bills nor collections. Please remove all fees, collections and history on my credit report. If there's final bill, please send to my address at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX as I already advised XXXX XXXX in XX/XX/XXXX, in mail with XXXX, XXXX and now Mercantile Adjustment Bureau multiple times later on. I will more than happy to send payment to XXXX if it's true left over bill with my old apartment that I was never notified about it before. Thank you so much for your help, XXXX XXXX
09/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10021	Web
I found a {$59.00} request for collection on my credit report from a company called Mercantile Adjustment to collect on behalf of XXXX XXXX. I called XXXX XXXX and they could not find any record or reason anything would go to a debt collector ( I called again and their " systems were down '' ). I called Mercantile Adjustment to get the account number they are referencing and I was told it was at a " Special Desk '' and they could n't access any information on it. They could not even look it up or get me the XXXX XXXX Account Number. I should not have to spend hours getting rid of a false debt collection for {$59.00} on my perfect credit record. When I called XXXX XXXX again and gave them the address ( which I found on the credit report ), they finally found the account and agreed that they never sent me an invoice and that I was never notified about it. They said if I do n't agree with the charge, I must fill out paperwork, etc. to dispute it. I said it would just be cheaper for me if I just pay it, since I do n't have the time to spend on the dispute. They told me I need to call the collection agency and pay it there ( even though they ca n't access it ). I then asked to speak with a supervisor, where I had to wait on hold for over 10 minutes. Then the supervisor said she is going to keep this as a late payment on my credit report, because it was an old charge. I told her that I never opened an account with them for it, and I never received an invoice, so how can it be late? She then put me on hold for another 10 minutes. Finally, she let me make a payment for it ( even though I do n't even think I owe it ), which I did. But she says it going to stay on my credit report because in her opinion she thinks that I am " late ''. I believe this to be unfair/illegal collection efforts and improper use of credit reporting practices.
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63118	Web
Dear Sir/Madam, I am writing to dispute the following information in my credit report. I have also enclosed a copy of the report I received. In accordance with The Fair Credit Reporting Act. the account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. Account Number : XXXX This item is disputed by me. I never gave permission for the creditor to post or share, list any information regarding my credit to the public such as creditors or tax court, and identify the type of item, such as credit account, judgment, etc. I am requesting that the item be removed in order to correct the information. Please reinvestigate this matter and correct the disputed item as soon as possible. In accordance with the new privacy laws, I kindly request you not to post any negative report to credit agencies until this dispute is resolved. I submit this request based on the following : 15 u.s.c. 1681 Section 602a States I have the right to privacy 15 USC 1618 section 604a section 2 ; it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 C ( a ) 5 close parentheses section States no consumer reporting agency may make it Consumer Report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antidates the report by more than seven years 15 USC 1682 s - 2 ( A ) ( i ) A person A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Thank you for your attention to this matter. Sincerely, XXXX XXXX
10/28/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92509	Web
XXXX wanted me to pay a bill of unused service. I had called XXXX for their prices/deals. I asked for home set-up but not to send the equipment as I had type of pay & could not pay. I asked if I can just set up an account & call back to send the items. They still sent the equipment. I never asked for it, never used it, nwver opened the package the equiment came in. It was never plugged in, nor opened. I didn't know the service was " on ''. I assumed how can it be on if it was never connected. After returning equipment XXXX still wanted me to pay. After speaking to multiple of their callers always saying the same thing about payments. I finally managed to speak to a higher up who claimed the service was on & I still had to pay. O told them they can check the data if I even used but they claimed they don't store that but there is a way to check they just ignored me. After telling the woman about the first time I called I did not arrange the equipment to be sent they had sent it without my consent. She said she might be able to find that same call. Although she still claimed she will try to find out but I still had to pay, so they never even bothered to find or check the call, check if data was used. Now they've involved debt Collectors who still want me to pay for service I never requested, never used, nor should I have to pay any of it. After speaking with them they said they don't have any data they're just the company XXXX hired. They never bothered to check the backstory or bother listening to me claiming I still have to pay. Wanting me to do payments little by little but that is still paying for the bill I should not be charged. The company name is Mercantile Adjustment Bureau.
04/21/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85016	Web
This is a complaint from XXXX XXXX again st Mercantile for Mercantile 's fa ilure to provide requested information for the debt alleged. On XXXX XXXX XXXX ( consumer ) XXXX XXXX , received a demand letter from creditor, Mercantile. On XXXX XXXX XXXX , consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any not ice ( s ) of d elinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof th at you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. Mercantile res ponded on XXXX XXXX XXXX providing only statements, and no chain of title. On XXXX XXXX XXXX , consumer ( through legal counsel ) responded asking for a chain of title. It has been Over 6 w eeks since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and oth er federal acts which require lenders and deb t collectors to a ct in good faith and refrain from unfair deceptive or abusive acts.
06/26/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ XXXXX	Web
This is a complaint from XXXX XXXX against Mercantile for Mercantiles failure to provide requested information for the debt alleged. Consumer, XXXX, received a demand letter from creditor, Mercantile. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. On XX/XX/XXXX, Mercantile responded providing only statements. On XX/XX/XXXX, XXXX sent another letter requesting more information, specifically information which shows ownership, as Mercantile is not the original creditor. On XX/XX/XXXX, Mercantile again responded with the same information as its XX/XX/XXXX letter. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
02/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	CA XXXXX	Web
I was contacted by Mercantile Adjustment Bureau personnel by the name of XXXX XXXX. The phone call directed to my Aunt house the person left a voice message stating that, this was attempt to collect a debt even, if you do listen to this recording then you are stating that this is indeed '' XXXX XXXX '', and by listening to this message you are confirming of this valid debt, you are formally being notified of a law suit concerning this Debt Please return call to XXXX. XXXX..unquote. This statement is against XXXX, and collection of a debt. This form of collection is illegal, they did not verify if this was indeed my phone number, then they left the message on a family member number letting any information private to me open to anyone with access to my aunts voicemail system. Then they indicated if you listen to the voicemail that you are indicating that you accept this debt and are indeed XXXX XXXX if no contact made on this debt you are formally being notified of a law suit concerning this Debt. What kind of mess is this?? Illegal, Illegal!! Per. fair credit reporting whether original creditor, or collector of debtor, or buyer of debt, you must contact in specified guidelines. I will not be threaten, I know my rights under fair credit laws. Also brutal threats can not be made in attempt to collect a debt. I have yet to see proof of this debt, written notification to review this debt, and account information regarding this debt.
11/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75126	Web
I attempted to purchase electricity from XXXX XXXX after they confirmed my eligibility and paid a deposit of {$220.00}. The next day I was informed that they could not provide me power in my location. I spent the next 9 months attempting to get my money back ( several phone calls a month ). I eventually went through the credit card company I used to pay for the deposit to get my money back. They immediately charged my card again, plus {$25.00}. I went back to calling them but could not get any answers. The best I got from someone was that 'I never paid them a deposit to begin with '. He could not explain the fact that I had a credit card bill that said differently. I went through the credit card company yet again, and this time changed my card number and went through all of the hassle that that entails. 2 months later I began receiving electric service cutoff notices with varying amounts owed ( bear in mind they were never able to provide me power in my area in the first place ). After about 6 months I was informed that they had sent me to collections for, from what I could tell, an arbitrary amount of {$60.00} ( they never could tell me where the extra {$25.00} came from or any other charges ). After another several months, I have finally gotten them to drop the case. By now, my credit has been significantly affected. I am still trying to go through the bureaus individually in hopes of fixing this issue.
02/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97220	Web
I received an email from a credit reporting agency that my score has been affected negatively. I opened the credit report on XXXX, XXXX, and XXXX and saw that " Mercantile Adjmnt Bur '' opened a collections account in my name on XX/XX/XXXX for a 1 month term for {$670.00} then closed the account XX/XX/XXXX. I have received no notice on this account, nor ever have owed collections in my life. I've paid all my payments on time, have excellent credit that was XXXX before this offense. When I called the phone number of this fraudulent agency XXXX, I got a response " You have dialed a number that can not be reached. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have reported to the Federal Trade Commission Identity Theft ( reference number XXXX ) and filed a XXXX XXXX XXXX complaint ( case # : XXXX ) as well. I have also reported this identity theft case to the XXXX Police Bureau ( case # XXXX ). I received a letter from the Mercantile Adjustments Bureau debt collector post marked XX/XX/XXXX with the utility debt ( XXXX XXXX ) created under my name and social security number for an address in XXXX, Texas. Ive never visited Texas in my life let alone lived there. I called the debt collector at the phone number provided in the letter XXXX and they informed me my dispute is being worked on. This is obvious fraud and needs to be removed from my credit report immediately.
04/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR XXXXX	Web
Over 4 years ago I booked airline tickets online with XXXX. Around {$2400.00}. A few days later I received a call from my local banker asking if I had booked a second set of tickets because the same amount was just taken out of my account again and overdrafted my account. I told her no and that someone accessed my account without my consent or knowledge. On the bank statement it shows as XXXX XXXX NY, I believe. I have never dealt with XXXX anyone!! We filed a fraud claim. In the meantime, XXXX XXXX " lent '' me the missing money until the investigation was over. The rep, last name XXXX, notified me within a week that there was nothing they could do. I told them I was not satisfied with this outcome as they are suppose to represent and protect their clients. They demand I am the one to do the leg work and call other companies to demanded satisfaction. I have been treated poorly over the years and emails have never been answered. I have received no response to my numerous emails and am constantly shuffled between departments and hung up on. I have demanded a resolution to this situation that THEY have failed to take care of. Instead of doing their job, they have just waved it off and demand I pay back money stolen from me! So I've had money stolen from me and then they want me to pay back the money that was mine to begin with. So I'm being doubley victimized. Please Help!!!!
08/29/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33647	Web
I contacted this company on XX/XX/XXXX at XXXX because I received a call on XX/XX/XXXX through voicemail from a women named XXXX XXXX from a company by the name of Mercantile Adjustment Bureau that it was an attempt to collect a debt. I called on XX/XX/XXXX and gave them some pin number XXXX left on my voicemail. I was told that I had a debt of XXXX and something and they were collecting on behalf of XXXX XXXX. I never received a letter in the mail verifying any information that I have a debt with company. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. I would like verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment.
10/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92629	Web
I had identity theft earlier this year which resulted in someone opening a XXXX utilities acct in my name in XXXX. I do n't and never have lived in XXXX and have never opened an XXXX account. I live in XXXX and have my own utilities account. I 've lived here since I was born in XXXX. I did everything XXXX said to do : Filed FTC report, Filed a police report ( XXXX ), filed credit report disputes, etc. In XXXX XXXX from the XXXX theft dept told me they would send it back to collection if I did n't file and fax them a police report, so I did. That was the final document they needed. I did that and they do n't dispute that I did it I did everything they asked of me.That was almost 3 months ago and never heard anything from them until today I got a call from a totally different collection agency ( Mercantile Adjustment Bureau ) and now XXXX is telling me they wo n't cancel it unless I get something notarized. I have spent countless hours with XXXX doing everything they said, they 've been rude, hung up on me, left messages for supervisors that never call back, I 've calied, called, called and talked with countless people. I was told once I faxed the PR that it would be behind me and it was until they sent to another collection agency. They know it was identity theft and I feel they are harassing me now. Please can someone help me with this?
07/21/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 02148	Web
I received three repeated calls from ( XXXX ) XXXX, disturbing my peace, from an apparent spoofed number in Massachusetts with my same area code. The first call was on XX/XX/2023, at XXXX XXXX and I did not answer nor the caller left a voice message. The second call was on XX/XX/2023, at XXXX XXXX, which I did not answer, nor the caller left a voice message. Apparently, the caller was not satisfied with no receiving answers from me and called a third time on XX/XX/2023, at XXXX XXXX, disrupting an important phone conference that I was having. I called back several times to inquire the reasons of the repeated calls. The representatives identified the company merely as MAB, a personal matters corporation, providing vague descriptions of what supposed personal matters the company addresses, and asking for an unknown person. Finally, one representative identified the company as Mercantile Adjustment Bureau, located in the state of New York, without disclosing that it was a debt collection agency. I asked why they were calling me from a phone number with my same area code and the representative denied calling my number. I am still investigating what business Mercantile Adjustment Bureau has in Massachusetts and if they provide services to any of my former creditors, which I all included in my XXXX XXXX bankruptcy petition.
05/21/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 74133	Web
I received a letter from Mercantile Adjustment Bureau , LLC on XX/XX/2019 dated for XX/XX/2019 saying to please find the documents for the above mentioned account. If you have any questions, please feel free to contact us at the number listed below. I contacted Mercantile Adjustment Bureau immediately to take care of the debt because we are in the process of obtaining a home loan and this will drastically hurt us. When I contacted them, they stated they sent out a letter on XX/XX/2019 to our previous home address which we have not been in for almost 3 years. We did not receive a letter to dispute this or take care of it in a timely manner. They sent the letter to the correct address on XX/XX/XXXX. However when I spoke with them on XX/XX/2019, they stated they had already reported this to my credit. I believer they have inaccurately and illegally reported this debt to my credit, with intentions of hurting my credit. They state they have called my phone number and work phone number multiple times, however I have not logged phone calls of this. My work phone is manned XXXX and I have never received 1 message from them. They are ruining people 's lives by not doing their due diligence and sending letters to correct addresses in a timely manner OR calling and reaching someone before reporting to someones credit.
04/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07644	Web
Mercantile Adjustment Bureau Collections agency has been sending me repeated bills of collections for a XXXX XXXX XXXX company for the total of {$310.00}. On XX/XX/2023, I completed a FTC Identity Theft form which indicated that this was due to identity theft and fraud. There was another utility company, XXXX XXXX, which XXXX XXXX XXXX was trying to collect {$1000.00}. This seemed to be resolved from the XXXX XXXX XXXX XXXX XXXX but XXXX keeps sending the bill of collections. I have called repeatedly and stated the actions I have already took in proving this is identity fraud. There were also two false addresses from Texas, never lived there or know anyone there, that were being used for the XXXX XXXX and XXXX XXXX. I have been with XXXX XXXX XXXX for 5 years and I have never even heard of these scammer companies. XXXX XXXX and XXXX XXXX were terrible to work with and basically said they dont believe me. I sent them years worth of XXXXXXXX XXXX XXXX documents, government documents and the identity fraud application and still are sending me letters stating its not enough information. This has been a terrible nightmare for someone whos identity has been stolen and they make it 100 times harder by not believing the hard evidence. I already told them I will not pay it and keep fighting all the letters they send.
07/18/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 144XX	Web
I have requested validation of several debts from XXXX XXXX XXXX that had been placed on my credit report by Mercantile Adjustment Bureau. The debts are erroneous and do not exist according to the staff at XXXX XXXX XXXX and XXXX XXXX XXXX, their parent company. All but one of the debts have been removed from my credit report due to failure to validate. Mercantile Adjustment Bureau forgot to remove one of the accounts ( {$84.00} ) and on XX/XX/XXXX I sent another letter requesting validation and for the negative account to be removed from my credit report. On XX/XX/XXXX I called and was told that they were " researching '' the account. On XX/XX/XXXX I called again and informed them that they had exceeded the 30-day window to provide validation for the account and it needed to be removed. The front-line representative gave me the runaround about how they were still researching the account. I asked to speak with a supervisor and was transferred to " XXXX ''. She was extremely rude and refused to look into the issue. She stated that all she could do was e-mail her research department. I requested to be cc 'd in on the e-mail, she agreed and hung up. As of this complaint I have received no communications from Mercantile Adjustment Bureau about this matter
11/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77590	Web	Servicemember
Mercantile adjustment bureau placed a collections account on my credit report without my knowledge of the debt. I never received written notice that the account was turned over to them by XXXX XXXX. I contacted Mercantile Adjustment Bureau and advised them of this issue and told them I would like to dispute this account. XXXX XXXX continued to bill me after services were canceled. I explained this to the Customer service agent with Mercantile and requested a copy of the final bill from XXXX XXXX and they stated they did not have to provide that to me and that I needed to just pay the bill. I explained to them that I would pay what I owed to XXXX XXXX but would not pay for services not rendered. I also advised Mercantile that this needed to be removed from my credit file immediately and they refused to do so. Mercantile Adjustment Bureau is in clear violation of FCRA regulations by not providing written notice of this debt before placing this on my credit file. They are also in clear violation by failing to provide the bill from XXXX as requested. This needs to be removed immediately from my credit file. If they fail to remove this immediately, I will seek legal action against them. They have 10 days from today to remove this.
08/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46804	Web	Older American
Received a letter in XX/XX/XXXX stating I had an outstanding balance at XXXX XXXX ( TX ). I have not ever done business with this company. The company is a electric power provider in XXXX, TX. I have lived my entire life in XXXX XXXX IN, and have no real estate interest or other relationship with anyone in XXXX. Someone clearly had stolen my identity in order to obtain power at a residential address in XXXX. They told me to file a police report and complete the FTC Identity Theft form. I immediately did both and forwarded to the company. It appears that in XX/XX/XXXX, this company forwarded the 'bad debt ' information to a Mercantile Adjustment Bureau . I received no communication from this collection company. On XX/XX/XXXX I received a notice from a company that monitors my credit stating that a 'derogatory remark ' had been added to my credit file. I reached out to Mercantile Adjustment Bureau, obtained a FAX number and name whereby I could again submit my documentation. The representative told me the only method of submission was FAX. I have attempted 3 times to FAX the requested information, but the FAX # is always busy. I again reached out to XXXX XXXX and resubmitted the items I had submitted last XXXX.
02/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MS 395XX	Web
I had a huge credit score change ( XXXX ) recently due to a open derogatory account which was claimed by XXXX ( XXXX ). It is a collection agency who claims to represent the original lender - XXXX ( XXXX PUBLIC SERVICE ELECTRIC GAS ) and amount is {$55.00}. I believe it is a false debt as the following reasons : XXXX. Wrong account number Ending with XXXX is the account # in the derogatory account details. XXXX was my account number with XXXX. Please see the attached file XXXX. PSEG_Account info and billing status. 2. No balance with XXXX As the attached XXXX account information and billing status, I have no balance with XX/XX/XXXX. I had a automatic transfer from my bank 's checking account to XXXX for the electric bills. XX/XX/2015 was the last payment before moving. 3. Moved to XXXX in XX/XX/2015 I cut the service from XXXX in XX/XX/2015 since I was reallocated to XXXX in XX/XX/2015. Please see the attached file XXXX. XXXX power_account info and payment history. Please note that all electric utility bills have been wired automatically from my bank 's checking account every month. There is no reason I have a balance with XXXX and a collection from them.
01/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91942	Web
In 2018, I was the victim of fraud. My bank at that time, XXXXXX/XX/XXXX, did not allow me to submit a written statement of the crime. The perpetrator, XXXX XXXX, of a bed and breakfast I visited briefly, submitted false evidence to XX/XX/XXXX, made libelous, false claims to my bank. She also filed a false police report with the XXXX of XXXX, CA, after submitting the libelous information in writing to my bank. She charged my debit card, without permission, demanded cash, which I refused. I also wrote her a check while the debit card dispute was pending, which she also deposited and collected. XXXX XX/XX/XXXX, ruled against me in the dispute. I paid for the bed and breakfast more than twice what I owed. XXXXXX/XX/XXXX participated in this fraud on my money and account, by allowing the perpetrator of the fraud to submit several pages of false information, and not allowing me to submit a statement to my own bank, of the details of the crime. I was never allowed to submit my written statement of events, at any point to XXXXXX/XX/XXXX. This claim of me owing money is completely false, as I was the victim of fraud. XX/XX/XXXX actually owes me money!
12/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77007	Web
I had XXXX XXXX as my electricity provider. When another resident went to move out and call XXXX to transfer/cancel service from XXXX some how XXXX took my apt number and turned off my service with them. I did not authorize this and I was not moving and or switching service to anyone else. XXXX then turns around and informs me all total charges and my balance billing charges had to be paid upfront before I could continue my service with them. I spoke to supervisor after supervisor I've filed a complaint with the XXXX. I am still currently working with XXXX on trying to from a resolution to this mix up and error that had occurred. Because another resident who was moving out gave the wrong apt number. Today this date I still have not been told by anyone or any collection company about this account going into collections I've never received any type of notices or anything about this account being charged off and sent to collections. But the collections company who took this account has decided to place this account on my credit report without giving me notice and or validation and before a resolution being provided by XXXX.
09/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32927	Web
I had a debt with a car loan. The debt was sent to collection agency. I paid and settled with the collection agency to resolve the debt. This was almost 2 years ago. All 3 credit report bureaus removed the debt after I submitted a letter from the collection agency. They reported it as {$0.00} owed. 6 months ago ONLY XXXX showed there was still as amount of {$2900.00}. Everyone shows {$0.00}. I started a dispute. contacted the original company as well as the collection company to confirmed. Both agreed it was resolved. I submitted my letter to XXXX. It is now 2 months later and this STILL shows up. Ultimately, as of yesterday it cost me getting a car loan at 8 % to now 10 % ... .that {$70.00} more a month times 72 months for their in correct information. I am very frustrated and do not know where to turn to have this removed. Ironically, the added payment is more than even the original debt. This is not fair to consumers and I feel i have to accept this blemish on my report from XXXX ... note : IT'S MY ONLY BLEMISH ... Original Debt : XXXX XXXX XXXX XXXX : Mercantile Adjustment Credit Agency who totally botched : XXXX
07/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MO 63385	Web	Servicemember
In XXXX of XXXX an account that was in debt was sold to Mercantile Adjustment Bureau. In the same month the debt was sent to collections, without any notification received by me. There was no telephone contact, or mail attempts regarding my right to dispute. The account once more entered collections in the month of XXXX, XXXX. There was also no attempt to contact me by mail or telephone. In XXXX of XXXX, I was contacted by a collector from this company, stating I was responsible to pay {$2000.00} dollars. Following this phone call I was scared, because I was unsure of what to do. I believe I was pressured in to settling the debt, even though I was attempting to dispute the original ownership of it. Following the telephone call, I began to do research and it was in fact an actual debt collection agency. I immediately paid it off out of fear and reprisal. Once the debt payment was received the business had X amount of days to report the payment to all major Credit Bureaus to include, XXXX, XXXX and XXXX. After an extended period of time, no contact or notification was received regarding payment and debt settlement.
07/21/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	WA 98188	Web	Servicemember
Mercantile Solutions has repeatedly called me for the past 2 months ( XX/XX/2022 to date ) every Friday trying to collect on a credit card debt from several yrs ago. When I did talk to them they required me to tell them my mailing address, last 4 of my social or the full account # on the card. I informed them that I did not feel comfortable telling them my address but I did give them the last 4 of my social. The gentleman indicated that was not enough and required the full address. I again stated I was not comfortable with that. He stated that he couldn't go any further with my call. I stated I was sorry to hear this but again I wasn't comfortable provided that information on with the call. I also explained to him that I had lost my job 2 weeks ago and that even if we could proceed with the call, I had no money to give them for the debt. He stated that they wanted to work with me but again needed my address. I stated I got his letter in the mail so with that verification, could he move forward with just the last 4 of my social and that? He stated he could not. I ended the call with apologizing to him and hung up.
03/24/2021	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 Was not notified of investigation status or results	TX 75224	Web
Mercantile Adjustment Bureau negligently inserted an inaccurate, unverifiable, erroneous entry on my credit reports. In XX/XX/2021, I obtained a copy of my credit reports and noticed that this company has inserted an entry on my reports. However, I had never received any correspondence from them such as a dunning letter nor have I ever had a conversation with this company. Upon discovering this entry being added to my credit reports, I immediately disputed with Mercantile, ( see attached ). To date, I have not received any correspondence from this company. In my efforts to resolve this error and negligence on their part and to have it removed from my reports, I am requesting this entry be deleted immediately from the fact that Mercantile Adjustment violated my consumer rights. The entry on my reports reflect that Mercantile Adjustment reported this entry XX/XX/2021 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company.
06/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 801XX	Web
I have 3 years of payments to XXXX " XXXX XXXX XXXX on time without any late fees and my final payment paid in full. I was never in debt and never owed XXXX anything that I did n't already pay. A debt collector by the name of Mercantile Adjustment Bureau has some how stolen my account number, full name, previous address as well as current address from XXXX and contacted me by mail stating that I owe XXXX dollars and after contacting XXXX no such debt was ever owed. This is not only a violation of the privacy policy of XXXX but also has affected my XXXX credit score which will be considered defamation of character. This is criminal and must be dealt with. Questions : 1. How did Mercantile Adjustment Bureau obtain my full name, current and previous address and the account number I have with XXXX? 2. If XXXX did n't place my account with Mercantile Adjustment Bureau then how do they have all of my information? 3. If XXXX is saying this is a fraudulent claim then how can I seek full legal action against Mercantile Adjustment Bureau for theft of personal information, harassment and defamation of character?
02/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28213	Web	Older American
XX/XX/2018 at XXXX XXXX COMPLAINT ON MERCANTILE ADJUSTMENT BUREAU, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX, XXXX, XXXX ext. XXXX 1. Experience - I have received repeated and frequent telephone calls on my home and business phones from the Mercantile Adjustment Bureau regarding a debt owed. I don't owe ANY money on any account that is associated with Mercantile Adjustment Bureau, and there is NO REASON for this company to call me regarding a debt. 2. No Accounts - I do not have any accounts that I know of that are associated with MERCANTILE ADJUSTMENT BUREAU. 3. I have communicated by telephone with MERCANTILE ADJUSTMENT BUREAU, that, I do not have ANY business with them, and there is no reason for them to harass me with ROBO calls to my home and business for a debt, for which they will not identify! 4. I have not received any written notification of any delinquent, passed due or in arrears accounts from MERCANTILE ADJUSTMENT BUREAU for any account ( s ). 5. I am submitting my telephone log with dates and times of the calls.
10/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78132	Web
I received a text notification on XX/XX/ stating that Mercantile Adjustment Bureaus was trying to collect a debt for XXXX XXXX with a reference with a number to call or a link to a website. I have not received any other information regarding this. And a few days later I received notification by XXXX that my credit score drastically decreased. It wasnt until I logged into XXXX that I learned an account was placed in collections. I sent a very specific letter requesting that Mercantile provide me with validation of this debt. I mailed a copy with a tracking number and one without on XX/XX/XXXX and opened a dispute on line with XXXX stating these same facts and that I have had no other correspondence and do not know what this is and do not believe its my debt. The only correspondence that I have received from Mercantile since they received my letter was the exact same text from XX/XX/XXXX on XX/XX/XXXX. XXXX sent me a message stating that they could not remove the collection and that I needed to contact Mercantile Adjustment Bureau.
05/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 71105	Web
After viewing a copy of my report, I noticed a collection account placed on my credit report from Mercantile Adjustment Bureau , LLC on XX/XX/2019 in the amount of {$550.00}. First and foremost, I have confirmed that the debt collector, Mercantile Adjustment Bureau , LLC is not licensed in the state of Louisiana to collect on this debt. Secondly, Mercantile Adjustment Bureau , LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Mercantile Adjustment Bureau , LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Mercantile Adjustment Bureau , LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$550.00}.
10/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78240	Web	Older American, Servicemember
I was recently notified on XX/XX/2023, by XXXX XXXX XXXX regarding a debt of {$710.00} owed to Mercantile Adjustment Bureau, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. I wish to dispute this charge because I am a victim of Identity theft and credit fraud. Please note that in XX/XX/2023, I enlisted the services of XXXX XXXX XXXX to assist me with the resolution of {$710.00} owe to XXXX XXXX XXXX. I was able to successfully have this charge removed as a debt collection and also have the three credit bureaus place a credit freeze on my accounts. The charge of XXXX reported by Mercantile Adjustment Bureau appears be the same charge. For the record, please note that I filed an identity theft report with the Federal Trade Commission on XX/XX/2023 regarding this matter with XXXX XXXX XXXX. I will be contacting XXXX XXXX XXXX once again to ensure this matter with Mercantile Adjustment Bureau is resolved in as soon possible. Please let me know if you require additional information. Thank you. Sincerely, XXXX XXXX XXXX
07/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 087XX	Web	Servicemember
I have been going back and forth with the XXXX credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/2023 for the same exact thing. I live in New Jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$670.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$320.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX
09/29/2016	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted me after I asked not to	NY XXXXX	Web
Good morning, On XXXX XXXX I spoke with a representative by the name of XXXX XXXX at Mercantile Adjustment Bureau regarding an outstanding balance with XXXX, I requested to pay the prinicipal balance and for all interest to be removed. XXXX was very nasty stated they will only remove half and if I do n't pay it it will continue to affect my credit, at that time I requested EXPLICITLY to not be contacted at this number, he said ok then hung up. On XXXX XXXX I received a call after I put in a DNC from XXXX XXXX at MAB, when picking up the phone I advised him that he is in violation of the request, he said he understood and asked if I wanted information regarding my account or no. He stated the same offer he gave me the day prior, still unwilling to work with me, and also in violation of my DNC request I advised XXXX that I can not accept the offer and that AGAIN I do not wish to receive calls as previously requested and that I may have to contact an attorney, XXXX said " whatever '' then hung up.
07/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19380	Web
daily phone Calls during the week and even on Saturday from the below numbers Merchantile Adj ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I block these calls, but these places continually call from new numbers. Although I have most of these numbers blocked, I know I am Still getting calls from them because they are Still Registering everyday on my XXXX incoming call list. When I look these numbers up online, they are Indicated as debt collectors, yet I have no Idea why they would be Attempting to contact me, since I have no debts..sometimes they will leave a message saying to call back and reference a case number There is nothing on My credit report indicating I have anything in Collections or in my public records ... I do not owe money To anyone I am on medication for XXXX XXXX and other XXXX related disorders This type of rediculous Harassment is aggravating my XXXX and I am getting the shakes These places need to be Dealt with appropriately As soon as possible.
03/09/2017	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	NJ 075XX	Web
Man by the name of " XXXX XXXX '' continously calls me. I spoke with him once where he tried to get me to settle a debt from a school loan that was through XXXX. He used tactics such as illegally trying to persuade me that he was speaking to XXXX as he was speaking to me and was making offers which were absolutely bogus. How could he keep getting different settlement prices when he was speaking on the phone to only me? This XXXX XXXX guy continued to tell me to " go get loan with a co-signer and pay him '' which is not logical. After he saw I was not budging, he continued to try and set up a monthly payment plan which I was not interested in either. XXXX also called my parents house phone and spoke to my father. He does not understand the word " no '' and " stop calling ''. He leaves me voicemails stating that " This is a very serious matter '' and " This is a debt that needs to be taken care right away ''. I feel very threatened and annoyed by this man and this companies scam tactics.
06/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77014	Web
In XX/XX/2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX XXXX years prior and had never been paid on. I reached out to the debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. They responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. They did not adhere to any of my requests and instead sent me a bill to pay for the collection.
04/17/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	PA 19067	Web	Older American
My home and cell phone numbers have been on do not call list for almost a decade and we have held those numbers for many years longer. All of our numbers also identify us by name when calls go into voicemail. A gentleman by the name of XXXX XXXX with Mercantile Adjustment Bureau has been calling our numbers for at least the last 4-5 years and leaving message about the debts of people we do not know, most recently one he identifies as XXXX XXXX. I have repeatedly told XXXX we 're on the do not call list and debt free and that he is calling us and leaving us messages even though he clearly knows by the ID that we are not the debtor ( s ) name that he is calling about, I have filed complaints about this company with the do not call list and this appears to be useless, since I gather debt collectors are not among those they have jurisdiction over and exempt from their lists. I 'm hoping perhaps that the XXXX could take this on as a case? I believe this is clear case of consumer harassment.
07/01/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NY 14624	Web
I have a large medical balance with XXXX XXXX XXXX. When I tried to set up a payment plan, they wanted a $ XXXX payment, which is impossible for me to make. I have, however, made a payment to them every month for the last 10 months ( since I got the bill ). They however sent my acct to collection because it is not a $ XXXX payment. The collection agency calls me all the time. Telephone # XXXX. They never leave a message, if i answer they hang up, etc. I just received a call at my workplace from a XXXX XXXX, who refused to identify herself except as XXXX to the secretary. I have told her under no uncertain terms, she is not to call my work #. She says she is allowed to unless I tell her not to, which she has now been told. I find it absolutely unbelievable that an acct that has never gone 30 days without a payment ( and some as often as every 2 weeks ) has been sent to collection, let alone an acct that has monthly payments on it, allows this woman to contact my workplace!
03/21/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Mercantile Adjustment sent myself a letter stating An alleged debt was owed giving me 30 days to respond DISPUTED. I request that the 3 pages enclosed be validated completely answered in 30 days or it will be construed as an absolute waiver of all claims to enforce the alleged debt against me and your implied agreement to compensate me for a court costs and attorney Not copies actual contracts with my wet ink signature, alleged XXXX XXXX and myself { contract }, XXXX XXXX, Myself and Mercantile Adj { contract } Be advised.73 American Jurisprudence { AM Jur } 2nd sect 93 third party debt collectors can not substitute { subrogate } themself into or on to a contract { transaction } if they weren't on the originally and specifically named in the contract { a Stranger } A third party Collector is not named on the alleged original contract between myself and alleged furnisher so they can not claim that anyone owes them money, which puts you at fraud. 3 pages enclosed
07/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web
This letter is being sent to MERCANTILE ADJUSTMENT BUREAU ( XXXX ) in response to a computer-generated, unsigned letter dated XX/XX/2022, a letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
08/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 451XX	Web	Older American
I received a notice via USPS that I owed a debt for a past due electric bill of my daughter 's that I had cosigned for. I had paide the bill a few days earlier. called the company to ensure that they had the information that I had paid the debt as I had paid it a few days earlier. Calling the number ( XXXX ) on the correspondence, I got connected to a auto answering device that wanted to give me a survey about vacations. It started asking me questions. After answering a few, it told me I qualified for a free vacation cruise and only had to pay the port fees of {$59.00} ( I think ). I punched 0, zero, a couple of times and hung up. At no time did it give me an option to not take the survey or tell me the company I was trying to contact was closed for the day. ( My call was at XXXX EDT. ) This seems an obvious attempt to trick people into verifying a charge to their credit card or a charge of some other sort. Fraudulent to say the least.
04/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 762XX	Web
At the beginning of XXXX I received a letter stating that there was a bill that was owed for an address in XXXX Texas under the name of XXXX XXXX from a company that XXXX XXXX took over. I spoke with the company and explain to them that I have not been XXXX XXXX since XXXX and I have never resided at that address that they are claiming I received services at. I filed a police report as I was instructed to do and I provided it to them. That police report number is XXXX. As of XX/XX/XXXX, they proceeded to send the account to collections and that company is Mercantile Adjustment Bureau and included my address that I have lived at since XX/XX/XXXX. I called a second time to let them know that this was not me when they sent me another letter saying that they could not verify my dispute. I have been dealing with this for over a year and it still isnt resolved. It is now reporting on my credit report and they have the wrong person.
01/27/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75056	Web
- I had XXXX internet services- Cancelled on XX/XX/XXXX - Returned equipment in XX/XX/XXXX - Received an email from XXXX thanking me for returning equipment on XX/XX/XXXX - Received multiple mails and calls from collectors about an equipment not returned - I dispute that on XX/XX/XXXX having and showing the proof of returned equipment. - XX/XX/XXXX got the last letter, stating that I have until XX/XX/XXXX, to dispute or pay. - XX/XX/XXXX Mercantile Adjustment Bureau LLC, flag my credit with a collection trade for {$100.00} - They did not honor the XX/XX/XXXX date and proceed before damaging my credit. - On XX/XX/XXXX I called the Collector company and they told me that I can pay but the mark in my report would not be removed but changed to paid. I think this is an abuse from the collector, not honoring their own letters. I dont want to spend more time for {$100.00} but I want the mark on my credit to be removed
01/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75080	Web	Servicemember
The Collection Agency MERCANTILE ADJUSTMENT BUREAU , LLC continued to attempt to collect debt that was resolved with the original creditor, XXXX XXXX. After calling MERCANTILE ADJUSTMENT BUREAU , LLC for confirmation, they've refused to update my consumer credit file. This company is retaliating against me for resolving the debt with the original creditor, as allowed by the original creditor. XXXX XXXX has repeatedly sent the correct information to this collection agency, and they continue to refuse to update my credit file as required by the FCRA ( Fair Credit Reporting Act ). MERCANTILE ADJUSTMENT BUREAU , LLC refuses to send to me verification as requested. Attempts to resolve this with the collection agency have been unfruitful. They have blocked by phone number, and will not correct the information, send me the proper information, and send the credit bureau the correct information regarding my account.
01/16/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33543	Web
I received a bill on XX/XX/XXXX and spoke to XXXX at XXXX and advised that I was working in Florida as of the date of service and believe I was a victim of Fraud. The bill is XXXX XXXX XXXX XXXX. Trip # XXXX for XXXX XXXX which is my maiden name and I have not used since XXXX as I have been married since then. I was then advised that the bill would be address. This was for a frequent flyer XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. Then on XX/XX/XXXX I received notice rom Mercantile Adjustment Bureau that I would be put in collection or {$3200.00} for the same visit listed above for the same person that they knew was not me and that I needed to provide a police report. I offered to provide my schedule to show I was in Florida working for my job and was not in NY at the time. I need this to be removed from my credit and it is causing irreparable damage to my credit and life.
10/25/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	AZ 857XX	Web
Turned in lease car in XXXX OF XXXX. Received letter and then repeated calls from XXXX XXXX XXXX on XXXX/XXXX/XXXX ... XXXX XXXX years later? They offered to settle bill of {$380.00} for {$300.00} ... not ... credit report would then show write off. Called XXXX XXXX and was first told no balance due. Then XXXX ... .their lease department said I owed {$380.00}. I asked them for what and requested a bill from them on XXXX XXXX, XXXX, have not received bill. Called them again on XXXX XXXX, XXXX requesting another bill and have not received a bill. I stated to them I would not pay a collection agency but would need a bill to pay them directly ... still no bill and in the meantime still receiving calls from XXXX. XXXX claims they sent out a bill in XXXX OF XXXX, DID N'T RECEIVE, why would they not send out another bill and then turn over to a collection agency XXXX XXXX YEARS LATER
04/27/2021	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	OH 432XX	Web
i pulled my reports and noticed i have multiple name spelling and social security numbers and inquiries that i am unaware of. listed below are those items and i was unable to get a copy of my XXXX report. the addresses listed below i have never lied at maybe a relatives address yet not mines. I am in distress because i never used my credit before nor have i had any bills or debt in my name. These accounts and addresses and social security numbers that are not mines are listed below. MERCANTILE ADJMNT BUR XXXX XXXX SOCIAL SECURITY NUMBER ENDING IN XXXX MULTIPLE NAME SPELLINGS/TELEPHONE NUMBERS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX ID XXXX XXXX ON XXXX REPORT IS UNKNOWN XXXX XXXX XXXX XXXX IS MY UNCLE WHO IS DECEASED I DONT KNOW WHY HE IS LISTED ON MY XXXX REPORT
04/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 431XX	Web
Mercantile Adjustment Bureau reported a collection to my credit, yet when I contacted them to dispute it, they couldn't find any collection under my social security number or past addresses. The fact that this or any collection agency can erroneously report a debt on anyone 's credit without the appropriate information is unethical. I need this collection to be removed from my credit report immediately. I am currently on the market to purchase a home, and my credit dropped significantly due to this collection. Please help me ensure Mercantile Adjustment Bureau rectifies this matter. I, like many Americans, work very hard to keep my credit and accounts in order. We should not be placed in a situation where our credit and reputation is harmed while debt collectors continue these unfair predatory practices upon consumers such as myself. Thank you for help and assistance.
09/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
yes in fact i am the consumer pursuant to 15usc1692a ( 3 ). Mercantile adjustment bureau , LLC sent several communications to my place of abode without my express written consent. in these communication there were several violations of the Fair debt collection practices act. some of these violations pursuant to 15usc1692k were highlighted and returned with an invoice and demand for payment. i've made several good faith calls which were recorded for compliance purposes to them to allow them the opportunity to cure the outstanding invoice. as of today they late fees assessed have reached- {$12000.00}, in addition the the invoice amount. i will attach all communications as well, certified mail proof of delivery which will show when the late fees began accruing. pursuant to 15usc1692L ( c ) i am writing to the bureau for administrative enforcement of these violations
03/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43224	Web
MERCANTILE ADJUSTMENT BUREAU # XXXX lack of information sufficient to form a belief as to the truthfulness of doctrine of laches, waiver, allegations within account. MERCANTILE ADJUSTMENT BUREAU claim is barred by estoppel, accord and satisfaction, payment, release, modification, statute of frauds, and/or unclean hands.The Agreement is void for want of offer, acceptance and/or consideration. I XXXX XXXX never entered in to any contractual agreements.MERCANTILE ADJUSTMENT BUREAU has failed to exhaust the administrative and/or contractual remedies .MERCANTILE ADJUSTMENT BUREAU is not entitled to recover the damages it seeks.MERCANTILE ADJUSTMENT BUREAU claimed losses are the direct and proximate result of its own negligence, intentional conduct, acts and/or omissions or the conduct, act and/or omissions of third parties for whom I XXXX XXXX am not responsible.
05/26/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37922	Web	Older American
Mercantile Adjustment Burea u ( XXXX ) XXXX keeps making robo calls to my home in XXXX , TN with a message that if we even listen to the recorded message left on our answering machine, we agree to the debt which we have never owed. They claim XXXX of my vehicles made a toll road violatio n somewhere ne ar XXXX or XXXX XXXX , CA. I have not even visited that area for at leas t 15 ye ars, and none of my vehicles presently or previously owned have EVER been in that area. I have sent written notifications twice and demanded to see any evidence ( usually there are phot os of toll road violations ), but my written communications have been ignored and no one has ever shown any proof of it being any of my vehicles. It is an obvious mistake and these debt collection XXXX do n't care. They just keep harassing my home phone. Thank You
08/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63701	Web	Older American
I received the following text message : This is Mercantile Adjustment Bureau , LLC, a professional debt collector. Please contact us regarding XXXX XXXX ref # XXXX at XXXX or visit our website : https : //portal.mercantilesolutoins.com to access your account information or make payment ( s ) online. Reply " STOP '' to stop. This came from the phone number : XXXX. I contacted XXXX ( XXXX XXXX is now XXXX ). I talked with someone in billing. They told me that they did not work with Mercantile Adjustment Bureau , LLC as a debt collector. Further, they told me that the XXXX number came back to them as a spam number. Finally, they double checked this information against my account, and found that the reference number was tied to a different individual. My account was totally in the clear with them. This is a total spam text attempting to get money.
10/30/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33156	Web
I received a noticed on my various credit reports that I had been reported by collection agency Mercantile Adjustment Bureau on XX/XX/XXXX for a debt of {$1400.00} that was transferred by XXXX XXXX XXXXXXXX XXXX XXXX. I called Mercantile Adjustment Bureau on XX/XX/XXXX and reported that as fraud as I never had an account that I opened at any point with XXXX XXXX XXXX I then called XXXX XXXX XXXX and they indicated that there was an account in fact with my social security # opened in XXXX of XXXX and Closed in XXXX of XXXX. They were unable to collect payment and then turned the report over for collection. At this point I am trying to get a report from the FTC to provide to XXXX as I dispute with XXXX XXXX XXXX and Mercantile Adjustment Bureau that I am the victim of fraud. I have also made claims to my various credit score agencies.
08/15/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NY 14621	Web
Hello, My name is XXXX XXXX XXXX & I have received numerous of calls from ( Mercantile Adjustment Bureau ). I requested for them to cease & desist all calls to my personal cell # ( XXXX ) XXXX. By the FDCPA a request of no calls on a cell phone is either verbal or written. I verbally made it very clear never ever to call my cell phone # ( XXXX ) XXXX 3 months ago. As of today XXXX/XXXX/2016 at exactly at XXXX I received another call from ( Mercantile Adjustment Bureau ) at XXXX. As I made it clear & stated again never ever to call my cell do to my minutes & a inconvenience to me & my time & they persist to keep calling my cell. I am very furious & presenting a complaint & would like to proceed the extent of a Law Suite on the company. Please provide me with this assistance? I have proof of call log on my cell phone time stamped.
06/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Web
Mercantile Adjustment Bureau has reported a collection account to my consumer credit file. I do not owe this alleged debt.Mercantile Adjustment Bureau HAS NEVER SENT any notice of collection to me ever. This is a strong violation of the FDCPA. If Mercantile Adjustment Bureauhas the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Mercantile Adjustment has reported to my consumer credit file. Mercantile Adjustment has no legal right to attempt to collect a debt as this does not belong to me. Again Mercantile Adjustment has not validated this debt nor sent me any notice of collection fordebt validation.
09/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77379	Web
Mercantile Adjustment Bureau has reported a collection account to my consumer credit file.I do not owe this alleged debt! Mercantile Adjustment HAS NOT SENT any written notice of collection to me at all. This is a strong violation of the FDCPA! If Mercantile Adjustment Bureau has the right to collect in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUAL DOCUMENTS stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt in question in which Mercantile Adjustment has reported to my consumer credit file. Mercantile Adjustment has no legal right to attempt to collect a debt as this does not belong to me. Again Mercantile Adjustment has not validated this debt nor sent me any notice of collection
08/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77379	Web
Mercantile Adjustment Bureau has reported a collection account to my consumer credit file.I do not owe this alleged debt! Mercantile Adjustment HAS NOT SENT any written notice of collection to me at all. This is a strong violation of the FDCPA! If Mercantile Adjustment Bureauhas the right to collect in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Mercantile Adjustment has reported to my consumer credit file. Mercantile Adjustment has no legal right to attempt to collect a debt as this does not belong to me. Again Mercantile Adjustment has not validated this debt nor sent me any notice of collection
12/26/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH XXXXX	Web
I receive repeated ( sometimes twice a day ) harassing, unending " robo '' collection calls, which I do not answer and then my voice mail records their message. Their first recorded message states that if I am not ( then another recorded message states my last name first, then my first name ), I should hang up the phone. However, I suspect if I did answer, I would not receive such a message and be forwarded on to ( per their recorded voice mail message ) XXXX XXXX, Reference No. XXXX. I have checked their phone number on the web and the people responding call it bogus, that no verifiable proof of their claim ( s ) is provided. My credit history and rating at the XXXX bureaus is flawless and good. Please get these people to cease and desist calling me.
04/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85031	Web
On XX/XX/2023 the collection company MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX send me to collection for a bill of {$480.00} from XXXX XXXX, account # XXXX that was not paid. I never lived at the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies all of them removed this from my credit file back in XX/XX/XXXX. But keep showing up on my XXXX Credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that MERCANTILE ADJMNT BUR stop reporting this to my credit report. If not I am going to start a legal action. Thank you.
04/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85031	Web
On XX/XX/2023 the collection company MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX send me to collection for a bill of {$480.00} from XXXX XXXX, account # XXXX that was not paid. I never lived at the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies all of them removed this from my credit file back in XX/XX/XXXX. But keep showing up on my XXXX Credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that MERCANTILE ADJMNT BUR stop reporting this to my credit report. If not im going to start a legal action. Thank you.
04/29/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WA 98374	Web
These phone calls have been going on for weeks. We lost count of how many calls we received, because it sounds like the calls we got from the " I.R.S. '' last year. We have not received a written validation notice telling us how much money we owe within five days after they first contacted us. The message is the same automated message from Mercantile Adjustment LLC, XXXX. A robotic name " XXXX XXXX??? '' is provided, but is hard to understand. They want us to use reference number that is provided in the message, XXXX. The automated message is the SAME everytime, and is sent at about XXXX each day. The message does not ask for anyone by name ; therefore we do not know to whom the debt pertains. We are unaware of any outstanding debt that we may owe.
10/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75218	Web	Older American
I signed up for XXXX XXXX and had them for at least a year and when my contract ended ( 12 months ). I just let it keep going and I did not commit to another year even though they say I did. I changed my service and they then billed me for {$200.00} " Contract Broken '' fee when in fact I did fulfill my contract! They may have a tiny misleading print that if I don't call them then the contract is valid even after the year I signed up for. I have tried talking to them but they just keep repeating that it is due and now have a 3rd party collection on my reports. As you can see from the file attached I responded to them reminding them that I had completed my contract and was on a month to month. I would never switch unless I was NOT in a contract.
02/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43004	Web	Servicemember
I have tried to reach debt collection agency Mercantile Adjustment. I paid an old debt I owed to electric company XXXX on XX/XX/XXXX in the amount of {$680.00}. This amount was debited on XX/XX/XXXX. This amount still shows on my credit report and I have asked numerous times to have this removed. I also never received a letter indicating the debt was owed and this is impacting my ability to apply for housing. I disputed this twice with credit bureau XXXX on ( XX/XX/XXXX and on XX/XX/XXXX ) and received responses each time that debt was verified with the collection agency has valid. This is not accurate. Additional calls to this organization go unanswered and nobody has called me back. I need this removed from my credit report.
02/13/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	MO 65201	Web
I am regularly sending this debt collector {$20.00} per month as a check. They sent me a letter stating that on XX/XX/2017 I " provided verbal, recorded consent as your electronic signature authorizing [ the debt collector ] to process reoccurring, electronic funds transfers from your bank account ... '' I did not speak to them by phone. They could not produce this recording if they were asked for it. They go on to say that " this payment authorization is valid and will remain in effect unless you notify [ the debt collector ] ... '' I take this as a threat to illegally seize money from my bank account unless I contact them to dispute their lie. I do not want to contact them. I am paying this debt off, slowly.
10/14/2020	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	TX 77047	Web
When I came to cfpb to report unethical practices of XXXX XXXX, they began to change the documents. I have a document stating that the charge off numbers and interest were the wrong amounts and it would be corrected. I also have document showing that they were to remove this from my credit reports in XX/XX/2020, which they did not. On XX/XX/2020, after I filed to the cfpb XXXX XXXX conspired with Mercantile. I received a letter in the mail from Mercantile adjustment bureau LLC trying to collect a debt that XXXX has already admitted is the wrong amount and should be taken off my account in XX/XX/2020. XXXX XXXX rushed to send this to Mercantile after I reported to cfpb to harass me.
01/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21009	Web	Older American
I have two account in collection on my credit reports that do not belong to me. The first is Mercantile Adjustment Bureau XXXX for creditor Cirro Energy for {$380.00} made on XX/XX/2022. The second is XXXX XXXX XXXXor creditor XXXX XXXX XXXXXXXX ( XXXX XXXX For $ XXXX called XXXX first and all their systems were down until Monday. Then I called the collector Mercantile Adj Bureau and they told me to call Cirro Energy. I called them and they said I needed to contact the FTC. I found them online and was directed to CFPB. These two accounts do belong to me. I assume they belong to two fraudulent names on my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX. Both from Texas.
05/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 79928	Web
I keep receiving debt collections attempts and reported to the credit bureau from a company name XXXX XXXX under the account number XXXX for the amount of $ XXXX Dollars.I had never had any businness with that company, they actually do not provide services within the city/county where I live.I have never been or stay at the area they provide services. My credit report keeps poping up that debt even do it was closed in the past. I submitted a identity theft report and contacted XXXX in the past. I actually sent all proof to an email they gave me XXXX under the subject : XXXX XXXX. I need my credit report to be clean since this is affecting seriously my finances.
10/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43230	Web
On XX/XX/2020 a collection reported on my credit report. A Letter sent was sent me, XXXX XXXX XXXX added a derogatory mark on my credit report. Per XX/XX/XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written from of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. Accordng to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
07/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94541	Web
A letter dated XXXX came in the mail on XXXX I wrote a Validation Dispute Letter dated XXXX and sent it to the email on the letter ; company did not respond. On XX/XX/XXXX I sent a follow up email in the same email chain. Company did not respond. On XX/XX/XXXX I sent another follow up email in the same email chain. Company did not respond. On XX/XX/XXXX Again I sent a follow up email in the same email chain. Company did not respond. On XX/XX/XXXX I sent my last email correspondence. I also sent 3 letters to the 3 addresses listed for the company on the form ( intentionally super confusing ) + 1 certified letter to the apparent po box .
08/10/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28273	Web
Mercantile Adjustment Bureau ( XXXX ) has begun calling me " about a business matter '' but they refuse to give me any details until I give them all sorts of personal information like address, DOB and last XXXX of social. Seems like they should n't be allowed to ask for personal information - I 'm sure not going to give them any - and should n't be allowed to call if they 're not going to tell me what they 're calling about. These are the same scumbags that were calling me a couple of years ago about something. I asked them for documentation of what they said I owed and did n't hear a peep for a couple of years it seems like.
11/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43110	Web
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -MERCANTILE ADJMNT BUR # XXXX -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX
03/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80634	Web
I have been receiving phone calls from this company, I have no idea who they are and from past experiences, My information has been in the Credit Bureau Data breaches, and has never been corrected, They are trying to collect a debt that I do not owe, and keep calling with reference numbers. I want this to stop, It is very annoying and makes me nervous that my information is exposed to an collection company whom i do not owe. I called them an was put on hold, for a bit, No one answered after the recording just silence on the Phone. This was to day XXXX and had calls before that from diff. numbers, but go back to this company.
08/27/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WV 253XX	Web
I received a letter from Mercantile Adjustment Bureau LLC, claimiming that they were collecting a debt for XXXXXXXX XXXX XXXX for XXXX. I first called the the number on the letter and could only get transferred to voicemail. They were unable to speak with me personally. Next I called XXXX XXXX to see if I had an outstanding debt. The person I spoke with did some research and was unable to find any outstanding debt. She seemed to think that this was a fishing scheme. I also checked my credit report for open and closed accounts. I was unable to find any type of account. Also I never had an account with XXXXXXXX XXXX.
10/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34608	Web	Older American
This original bill was with XXXX XXXX in Texas, it is result of identity theft. It has been disputed, and resolved, this past XXXX. I never lived in Texas, never visited Texas. Now it seems another collection agency picked up this account and its on my credit report again. I tried calling the number for this collection agency, the call will not connect and voice says its not a valid phone number. The number is : XXXX. The agency name is XXXX XXXX XXXX. Address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX. The account number associated with this is XXXX I have lived in Florida for past XXXX years.
07/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19380	Web
From XXXX XXXX : Between XX/XX/2023 and XX/XX/2023, a new account in collections was added to your report. The collection agency is MERCANTILE ADJUSTMENT BU. The original creditor was XXXX XXXX XXXX. I have no idea who " XXXX XXXX XXXX '' is, and have never had business with them. A XXXX search does not show any results for a company with that name. I tried to contact the collection agency, but was sent to voice mail or hung up on. This is not my debt and looks to be coming from some form of fraudulent shell company. Also, Mercantile never tried to contact me to resolve before filing with the credit burau.
08/30/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77584	Web
I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I request that the following account be promptly removed immediately off of my credit for XXXX XXXX XXXX
03/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75214	Web
Left XXXX XXXX for another electricity company. Initially, I did not pay my final bill on time. This was reported to a collection agency, whom I paid in XXXX of 2018. I have a screenshot of my credit report that shows that this was paid. The very next month, I got a letter from a different collection agency ( Mercantile ), and they were trying to collect {$58.00} on behalf of XXXX XXXX. They also put this amount on my credit report, and it doesn't belong there. I no longer owe XXXX XXXX any money, and I want the Mercantile {$58.00} debt fully erased from my credit reports. Thank you.
03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76028	Web
I noticed a collection account on my credit reports for XXXX XXXX which I have never had an account with them. I called XXXX XXXX to report it and they advised me to submit a claim through here. Someone in XXXX Texas used my social security number and a married name I had back in XXXX XXXX XXXX to open up an electric account and did not pay. The address was for XXXX XXXX XXXX, XXXX, Texas XXXX and the amount is {$680.00} and the collection company is XXXX XXXX XXXX. I filed a police report and the report number is XXXX with XXXX XXXX XXXXXXXX XXXX police department XXXX XXXX
05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Excessive fees	CA 94519	Web
They keep asking me to pay XXXX... i paid them couple of times... the transaction is clear in my XXXX then they ask me to pay again... .i transfer now in XXXX because my account got takeover by someone since XX/XX/XXXX then i just transfer in XXXX last mid of XXXX ... since that day someone tryng to withraw my money using by phone call then use a check to send it to XXXX XXXX XXXX i filed a report to police... this really bad experience ... my creditscore got low pretty badly because of them ..im trying to get my score high to get a loan for a personal car for work
10/26/2019	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 07208	Web
Hello, This company sent TWO letters to an address NOT associated with ME! Has never been associated with ME! They sent two letters to XXXX XXXX XXXX, XXXX NJ. That address has never been on file with XXXX XXXX XXXX ( the credit card owed ). The person residing at that address now knows personal business of mine. This is unfair and a violation of the Fair Debt Collection Practices ACT. I am entitled to {$1000.00} per violation so {$2000.00} in this case ( 2 letters ) I will contact my attorney ( XXXX XXXX ) in case that this is not resolved correctly.
12/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78228	Web
in XXXXXXXX XXXX XXXX I was put in collections for a utilities bill of {$100.00} from XXXX XXXX in XXXX Tx. This was not from my house nor from my city. I called the agency and spoke to them about the fraud they asked me to make a police report and after talking with XXXX it was taken off of my credit report. now months later another collection agency mercantile adjustment bureau is claiming I owe the same amount {$100.00} from XXXX XXXX in XXXX Tx. the police case number is XXXX and I spoke with XXXX again and they said they would dispute it.
11/10/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MI 483XX	Web
XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number, I answered and told them to stop calling and I enrolled in XXXX. XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back XX/XX/2022 : call from this number and voicemail asking me to call back
07/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NJ 07109	Web
XXXX & XXXX, are trying to bill me for something I paid and was a dispute over XXXX years ago!! They have records of me calling to state the people living in the basement apartment was connected to my XXXX apt !! The landlord kept lying and did nothing and when they moved out I got stuck with the bill. After some years I out the XXXX & XXXX in my name and then they stated I still owe this money! This should not be on my credit report at all!!!!! I actually overpaid them and will attach the letter from my Attorney sent to XXXX.
09/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 76065	Web	Servicemember
I am filing a dispute against Mercantile Adjustment Bureau , LLC, for their failure to validate a debt and for harassing phone calls. Additionally, I would like to file a violation under the Texas & Federal deceptive trade act by XXXX XXXX XXXX for knowingly making false statements in order for me to purchase electricity service for a lower price and making false or misleading statements of fact concerning the reasons for, existence of, or amount of price reductions which resulted in a lump sum amount due of {$860.00}.
05/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21009	Web
There is a debt collection listed in my credit report from XXXX XXXX through Mercantile Adjustment Bur. I have no knowledge of this account and it is from XXXX, which is a state I have never lived in. It shows that it was opened in XX/XX/2022 for the amount is {$460.00}. I had it removed before from my credit report before but it appeared again and has lowered my credit score a lot. I had to also remove incorrect addresses and a name from my credit report. Someone must have used my SSN/information to open the account.
05/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94114	Web
This agency h as 1 : R eported a balance as in " collections '' which was paid to XXXX XXXX before I had any contact from th em. 2 : Failed or refused to report to credit agencies that this amount was paid in full on XXXX / XXXX / 17 . 3 : Provided a letter falsely stating that they received payment from me, on XXXX / XXXX / 17 . No payment was made to them . 4 : Stated that they do not have, or will not provide any evidence that the debt was ever assigned to them in a recorded call on XXXX / XXXX / 17 .
07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70127	Web
On XX/XX/2023. I opened and email from XXXX XXXXXXXX XXXX notifying me that my email, birth date, SSN, home address and drivers license and registration details was leaked and compromised by a fraudulent party. I checked my credit report and noticed two accounts had been opened on my credit that I didnt not open. The accounts are XXXX XXXX and Mercantile adjustment bureau. I would like the accounts and any history of these permanently removed from my credit report. These are fraudulent accounts. Thank you.
04/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 707XX	Web
For three weeks I have received daily calls from XXXX, XXXX XXXX at Mercantile Adjustment Bureau asking for XXXX XXXX regarding debt collection, including calls on Sunday morning. I am not XXXX XXXX and do not know XXXX. Last week I made XXXX call daily to this agency explaining that the number in their database was wrong and that XXXX XXXX was not at this number. I was told that my number would be removed from their database, but I continue to receive calls, again even during church on Sunday morning.
09/09/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 94112	Web
ON XX/XX/2022, MERCANTILE ADJUSTMENT BUREAU , LLC SENT A LETTER TRYING TO COLLECT A CREDIT CARD DEBT OF {$15000.00} ... ON XX/XX/2022, I SENT A LETTER TO MERCANTILE ADJUSTMENT BUREAU , LLC TO VERIFY THE DEBT ... AS OF XX/XX/2022, IT HAS BEEN MORE THAN 30 DAYS, AND I STILL HAVE NOT RECEIVED ANY VERIFICATION OF THE DEBT... I WOULD LIKE THE COMPANY TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY... I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY.
09/30/2018	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 14616	Web	Older American, Servicemember
XXXX XXXX has been calling non stop at all hours and even hanging up when asking who they are and to stop calling. This is not my debt. This belongs to my daughter who does not live with me. I am an elderly XXXX veteran and have XXXX and these constant phone calls are causing additional emotional stress to have them keep calling all day and I cant just ignore the phone and I cant lay down cause everytime i do they call and hang up. Please help as I am also contacting a lawyer as well to help.
01/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77379	Web
I emailed the company Mercantile Adjustment Bureau a certified debt validation letter XX/XX/2016 to verify a debt they claim I owe them. I did not receive any form of communication from the company. I asked for proof none was given. I sent another certified document XX/XX/2016 informing the company that the violated my request and request that they remove the account withon 10 days because they violated FDCPA the acoount still has no been removed and it has not been verified with the company.
04/23/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 159XX	Web
I have no debt and these calls are getting very irritating, Keep getting scam calls I talked and reported to trade commission on XX/XX/18 filed claim ref : # XXXX they told me to call you I did same day you told me to call XXXX one more time and try to get it settled, plus get robo call block, I have done everything and still getting calls after calls it gets so bad I have to unplug phone for I live alone and not in best of health, also they refused to give me Internet without phone
12/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75217	Web
The companies listed below are constantly reporting false information to the credit bureaus and I previously made a complaint and nothing was done. I have them as a collections on my report that should not be there. These are violating my legal right to privacy and I would like it to be resolved. They have yet to provide proof of any written agreement from myself. Their accounts were created illegally against my authorization violation the fair credit act and my right to privacy.
10/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 76063	Web
I was a victim of identity theft and noticed a collection from MERCANTILE ADJUSTMENT BUREAU I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MERCANTILE ADJUSTMENT BUREAU in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
08/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	ME XXXXX	Web	Servicemember
Received a phone call, then was placed on hold. I was informed this is in regards to an alleged debt I am not responsible for. Also, the alleged original creditor is NOT listed on any of my credit reporting files. Note : the address mentioned in the attached letter has been updated to my current address. Current address has been in effect since 2014. Also, my credit reports are frozen, which prevents unauthorized parties from viewing my credit files without my permission.
07/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
On XX/XX/2021, I XXXX XXXX a Consumer sent a debt validation request to Merchantile Adjustments Bureau, LLC, According to USC 1692g, They in returned responded, by mail on XXXX XXXX with a a copy of a Bill from XXXX XXXX with a total {$360.00} of which was credited due to being a consumer transaction with the original creditor everyone was credited. therefore, there is no need for Mercantile Adjustments Bureau, LLc to attempt to collect a debt, that is not owed to them.
03/23/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web
On XX/XX/XXXX I checked my credit report and noticed that Mercantile Adjustment had placed an account on my credit reports. I filed a dispute and the credit bureaus said that the account was verified as correct. I sent a debt validation to Mercantile Adjustment on XX/XX/XXXX via certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ) as of XX/XX/XXXX I still have not received any proof of validation for the debt. It is still being reported on my XXXX credit report.
05/23/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	SC 295XX	Web	Older American
I have been receiving calls from XXXX and I have a letter from them ( XXXX XXXX/Mercantile Adjustment ) stating I owe {$1200.00} to XXXX XXXX XXXX. I do not owe any money. I have a lease, it is paid on time. I contacted the person I leased the car from, XXXX XXXX at XXXX XXXX in XXXX, Vt. She has been in touch with XXXX XXXX. I do not owe any money. This is a bogus claim from a company I see listed on the internet who have been making bogus threatening calls for years.
08/29/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IN 471XX	Web
Cosigned a loan car was reposted primary person on loan is in XXXX I am currently in a XXXX home in XXXX XXXX insurance have no money night have told them over and over to quit calling me they call and threatening me they threading to take my social security which would leave me homeless They are very rude yelling and screaming at me that they will get their money one way or another I have explained my situation to them numerous times they continue to threatening me
01/22/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 326XX	Web
XXXX XXXX has had an account that is almost three and a half years old. They have written off this as a bad debt or charge off and the account has been closed, which means that they have written off thison their business taxes, yet and still they are trying to collect. They send numerous letters to myself and my mother about a debt. This debt is beyond the time frame for them to still be reporting and trying to collect money that they already written off and closed
02/23/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 91764	Web
I received a phone call and they left a voicemail, I do not know what this is in regards to, as they never stated who the call was for. I looked up the phone number and realized that this is from a collections agency. I never received any written information via mail nor did the caller disclose in the voicemail that the call was an attempt to collect the debt, please resolve this matter. I have attached the transcript of the voicemail for reference.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30253	Web
I am reaching out because I have sent out dispute letters to these credit bureaus on these dates below : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I have yet received any information stating if they have verified these accounts or if the account is accurate. Upon my FCRA rights they have violated those rights that I have requested a dispute investigation on these accounts. I have been waiting to long for these accounts to be investigated.
03/07/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AK 999XX	Web	Servicemember
I requested validation but this company sent me bill statements as validation ( statements are not validation ) and failed to send validation that they are the true collectors of the debt. I have another company trying to collect in the same debt. I demand proof that XXXX is the true collector by sending me something binding the agreement between them and original creditor that they are indeed collecting on behalf of the original collector.
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	IL 60637	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXXXXXX
07/24/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 33907	Web
The debt collector has called family members of mine in attempts to reach me. After this happened I called the company to get in contact with them and prevent further calls to my family. Hours after speaking with the collection agency, another call was placed to my family despite calling the collection agency myself and giving them all of my information personally to call ME. The collection agency is Mercantile Adjustment
12/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 779XX	Web
I got a phone call from XXXX. They wanted my information to verify what debt I owed. For a utility bill. I do not owe any utilities any past debt. There have never been any bills coming to my house. If I owed debt I would have seen a bill or utility debt would be on my credit report. She wanted my personal information. I told her just to send me something in the mail they have on file. She said okay and hung up on me.
02/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75150	Web	Servicemember
In attempt to pay the debt in full, i contacted the Merchant Adjustment Bureau. When reached, they informed me that there was no longer any debt owed to them. The debt was not in their hands. After this was confirmed i had them removed from my credit report with XXXX but they were not taken off of XXXX. It was not and is not there debt, during the attempt to make a payment. They do not need to be on my credit report.
08/16/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Keep getting calls about your loan	PA 150XX	Web
I have received calls from Mercantile Adjustment Bureau on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX My student loan was found to be wrongly in default due to a mistake from XXXXXXXX XXXX XXXX This loan was removed from being defaulted as of XX/XX/XXXX. Therefore, Mercantile Adjustment Bureau should not have my loan in their possession, nor should they be contacting me for any reason.
03/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 24502	Web
Mercantile Adjustment Bureau has placed a collection on all of my credit reports in the amount of {$370.00}. I have never received any information from this company regarding the debt. I have requested information on several occasions. I believe this account to be fraudulent or otherwise made up. Please remove this item from all my reports immediately or provide a signed contract or agreement as required by law.
09/29/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77070	Web
Account name Mercantile adjmnt original creditor discount power which is a light company sold my information that they didnt supposed to do. The keep reporting this account to the credit bureaus thats not right The information is not accurate I can not have two light company serving my address at one time I have a contract with another company My contract expires with discount power my account # is XXXX
03/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web
This debt doesn't belong to me. It is to be charged to a business. After speaking with these people and them calling me from different phone numbers and explaining to them this belongs to a business and not me personally they said oh well it is in your name and not the business when in fact, i did explain each time it shouldn't be and they should contact the originator of the bill for clarification.
02/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 61822	Web
For ten years I have had my current phone number. From the beginning it has been on some collection list that gets passed around from year to year. The latest is mercantile adjustment XXXX. If they are calling us, it is because they have some 10+ year old debt sheet that they are harassing people with. Please return the favor. Here 's their contact info. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43223	Web
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that THE FOLLOWING ACCOUNT IS NOT MINE : MERCANTILE ADJUSTMENT BUR # XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
09/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KS 664XX	Web	Servicemember
I have never opened a utility account with XXXX XXXX XXXX I am XXXX XXXX XXXX, I have been living on a XXXX XXXX since XX/XX/XXXX to XX/XX/XXXX. I was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX And I have been living in XXXX XXXX XXXX since I returned from Deployment and I dont have a Utility account with XXXX XXXX XXXX . The only XXXX Account I had was with XXXX from XX/XX/XXXX to XX/XX/XXXX.
08/18/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA XXXXX	Web	Older American
I CALL XXXX XXXX BECAUSE A COLLECTION ACCOUNT SHOW ON MY REPORT SOMETHING IS NOT MY THIS COMPANY DON'T EXIST THE PHONE NUMBER DISCONNECTED, AND XXXX DON'T DELET THIS ACCOUNT. ACCOUNT # XXXX XXXX XXXX XXXX ( MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX THIS COMPLY GO TO XXXX I ESPECK TO THE TO FIX THIS AND DONT CORRECT THIS FAKE ACCOUNT I DEMAND XXXX TO DELET THIS ACCOUNT
05/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78212	Web
This XX/XX/XXXX I saw a negative collection report on my XXXX Credit report from a XXXX XXXX XXXX related to a Utility account with XXXX XXXX. I have never done business with these companies. After tracking down XXXX XXXX, I spoke to a representative on XXXX that provided me an account number and service address in XXXXXXXX XXXX I live in XXXX XXXX where Ive owned my home since XXXX.
07/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 070XX	Web
This is the third company contacting me trying to collect this debt which was settled years ago with the originating company. The current debt collector is c alled Mercantile Adjustment Bureau. They entered a claim with the credit bureau on XX/XX/XXXX in t he amount of {$590.00}. The debt goes back farther than that and was in the amount of {$590.00}. It was already paid and settled.
04/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 397XX	Web
I paid a collection off on XX/XX/2021 for XXXX in the agreement if I paid in full I would receive an email stating I paid as well as get it off my report from reliant energy collection. I never received anything after calling again was given a confirmation number that was for someone else account. Was then told again I would recieved a verification that debit was paid and still nothing
07/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 116XX	Web
XXXX paid my XXXX XXXX bill a few years ago and I am still making payments to repay XXXX. A collection agency tried to collect this debt and I filed a complaint on your website and uploaded proof. I just saw that another new collection agency just today, reported this debt to credit agencies XXXX etc. with statement " Account information disputed by consumer meets FCRA requirements ''.
05/16/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 925XX	Web
I received a letter from Mercantile Adjustment Bureau , LLC on XX/XX/2022. I responded and mailed the form back to them within a few days as they requested the following information. How do you want to dispute the debt? I want to Dispute the Debt : A. The amount is wrong and the payoff was to be and I paid {$410.00} to XXXX XXXX XXXX to settle 2 years ago. Quit contacting me.
07/13/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30331	Web	Servicemember
I contacted Mercantile and asked for them to validate debt via mail and I have not received a debt validation. I would like for Mercantile to send me the breakdown of the balance in full, signed credit receipts and every transaction immediately. According to the Fair Credit Reporting Act I'm allowed to request for this information and I would like to have it in my mail box asap.
03/22/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Received bad information about my loan	NJ 085XX	Web
I was contacted by a debt collector who misrepresented the amount of the debt and negotiated a settlement based upon this false amount. I paid a negotiated sum to discharge the debt and then was contacted by the originator of the loan and informed that prior to the negotiated settlement date the full amount of the debt had already been forgiven. I attended XXXX University XXXX
04/07/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32792	Web
A company named Mercantile has contacted me stating that I owe them money. I do not know who they are. I used a template from your website asking for information about the debt they referenced in their contacts with me. I certified mailed it on XX/XX/2017. It is now XXXX, and I have not heard back from them. I am worried that they will try and hurt my credit. Can you help me?
03/24/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77036	Web
Hello, upon checking my report i notice i received a drop in my scores due to this account being added to my report. I have tried to contact them to send me validation with my signature for this debt which they failed to send me this is hurting me from rebuilding my credit. I am requesting that they remove this account immediately from the credit bureaus.
08/11/2022	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	TX 77054	Web
The following companies have violated my rights and have furnished my credit score without my consent, they have outdated information and it's affecting my personal and financial livelihood. I'm on the verge of filing a lawsuit for defamation of character. XXXX XXXX, XXXX XXXXXXXX, MERCANTILE ADJUSTMENT BUREAU, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
12/16/2017	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	WV 25801	Web
A debt collection agency. MERCANTILE ADJUSTMENT BUREAU, has placed a collection on my credit report in the amount of {XXXX}, to be reporting until XXXX, last updated XX/XX/XXXX. According to the WV state tax department, as of XXXX/XXXX/XXXX they are NO LONGER LICENSED to collect debt in my state. When called on, they sell debt to a sister company.
10/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77346	Web
I have a collections from XXXX XXXX in my credit report I did not open. I tried calling XXXX XXXX and they couldn't help me because I do not have an account number. I tried to contact the collections agency and the number is not a working number. I tried to dispute through XXXX which is where I saw it but they still have it as a valid charge.
05/10/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75006	Web
I have been called at least once a day from different phone numbers ( all from different area codes ) all tracing back to mercantile adjustment bureau. They never respond and always hang up XXXX seconds after I answer. I told the original caller that the information was incorrect and that it was in dispute, however they still call repeatedly.
10/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MT 59714	Web
I have received several calls and a letter stating that I owe money to a collections agency. I have all three of my credit reports and there is nothing in collections. The number that called me was XXXX. I refused to give them any of my information over the phone. They say I owe some XXXX dollars but they don't give any source of this debt.
01/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19464	Web
The creditor is Mercantile Adjustment Bureau , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX collecting for XXXX XXXX XXXX They are reporting negatively on my credit report and I have sent them several validation of debt request letters requesting them to furnish signed documentation as a validation of the debt and they have not done so.
01/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 315XX	Web	Servicemember
Contacted company to advise I do not owe on said debt. Talke with XXXX on XXXX XXXX hrs. EST. regarding his attempt to collect and unvalidated debt for Mercantile, and I am disputing any and all attempts, according to Georgia State Staute Codes according to law. Furthermore ; any and all collection attempts cease and desist immediately!
07/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NJ 07002	Web
Amount owed to XXXX was only for {$90.00} total on Acct. # XXXX, for XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX. Paid in full " at '' XXXX on XXXX in XXXX on XXXX/XXXX/2016. The " Fraudulent '' amount that you presented on my Credit Report of {$180.00} was given to XXXX on XXXX/XXXX/2016. It is to be taken OFF of my credit report IMMEDIATELY.
10/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43206	Web
The following accounts listed below are fraudulent accounts and does not belong to me. They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -MERCANTILE ADJUSTMENT BU # XXXX
11/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 85204	Web	Servicemember
i bought a lap top from XXXX XXXX XX/XX/2022 i used my XXXX credit card to purchase the lap top instead of using XXXX XXXX they are attempting to collect a debt i never accured with them we did attempt to get financed with them than decided to just put it on XXXX credit card we have proof of purchase using my XXXX credit card
03/10/2022	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	GA 30097	Web
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX has been sending me collection notices in the amount of {$22000.00}. The collection has been reported as a past due balance. I don't know this company. I have never done any business with this company. Thi9s company does not have a contract with my signature.
05/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07407	Web
Hello. My credit report is showing a debt collection from a company showing as XXXX XXXX XXXX with originating creditor as XXXX XXXX. I have never opened up such account and would like to file a complaint about this. I don't know if this is the result of identity theft or some other error. Please assist. Thanks, XXXX
08/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 430XX	Web
Repeatedly continues to try and collect a debt that is not mine. The debt is owed by a person with a similar name. Mercantile Adjustment Has published negative remarks on my credit report, which were removed. I have contacted Mercantile Adjustment many times to resolve the issue and they continue to attempt to collect.
05/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 46516	Web
I am getting nasty calls and voicemails about someone I used to know years ago and their debt. They are telling me this person owes them a debt and asking me to pay it. They wo n't stop calling me and said that they wo n't remove my number from their calling list unless I track down the old college I used to work with.
07/19/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85204	Web
Mercantile Adjustment Bureau is attempting to collect a Debit which i am in no way obligated to pay at all. I have no contract or dealings with Mercantile and I would like ( 15 usc 1692 ) I hold no olbligation to the company, I refuse to pay and would like them not to contact me futher in regard of this issue.
04/28/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 731XX	Web
They call me all day making their area code to match that of my area code when I ask them to remove my number off their list they hang up immediately they call me all day and it is harrasment considering I asked them to stop. They call from numerous different numbers but all with a XXXX area code
09/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80010	Web
I had a phone call from XXXX XXXX asking for my date of birth, I did not respond and hung up. A day after, I received written notice from Mercantile Adjustment Bureau trying to collect a debt on behalf of XXXX XXXX. I do not owe any money to XXXX XXXX. I suspect fraud and/or identity theft.
09/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
Mercantile Adjustment Bureau has reported a {$680.00} debt on my credit report that I do not owe to them. I have never had any business dealings with Mercantile Adjustment Bureau. I have never purchased any goods or service, whether on cash or credit from Merchantile Adjustment Bureau.
08/31/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 130XX	Web
Merchantile Adjustment Bureau calls the residence of my Mother ( XXXX ) a couple times a day asking for XXXX XXXX XXXX. No one by that name has ever lived here nor had our phone number. I have called this office to request that they cease and desist harassing us with these repeated calls.
09/27/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	WA 98056	Web
They keep reporting the wrong information to my credit report. There are two separate accounts they made instead of one collection but also this debt is no longer owed. The information is outdated and their communication was not up to standard when I tried to dispute information.
03/01/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 94585	Web
on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.
10/13/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 146XX	Web	Older American
I am elderly XXXX years old on a fixed government income and I have told Mercantile Adjustments Office & XXXX XXXX XXXX XXXX XXXX and Headquarters ( Mailing Address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX To stop calling me.
06/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92106	Web	Servicemember
Received a text from XXXX This is a Mercantile Adjustment Bureau , LLC, an professional debt collector. Please contact us regarding XXXX ref # XXXX at XXXX or visit our website : XXXX XXXX XXXX to access your account information or make payments. This is a scam
07/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 44691	Web
I disputed it. They say i owe this company but i never had electric with this company. I only used XXXX XXXX XXXX XXXX My identity was stolen. I have no idea of who they are. I live in ohio only. Never got electric anywhere else. My gas was XXXX. This is fraud.
12/17/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web	Servicemember
I received a notification today that a collection was added to my credit report in the amount of {$440.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
01/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11581	Web
In XXXX I transferred my business and closed my utility account at my then business premises. I am now surprised to find that XXXX NY is reporting a past due balance for XX/XX/XXXX. this information is incorrect and its entry is causing harm to my credit.
04/30/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 604XX	Web	Servicemember
Impersonated lawyer as to collect on a debt I have no clue about. sent in debt validation letters that were ignored and returned with continuous calls at work and my personal phone. harassment was throughout the day 7 days a week after letters were sent.
11/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NY 11237	Web
On XXXX XXXX, 2016 the following collection agency flagged my account : MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX They claimed that there was a bill past due- but I had already attempted to close my account with XXXX XXXX over the phone multiple times.
10/12/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AZ 85713	Web
I am not liable for this debt of {$190.00} with MERCANTILE ADJMT BR Account number : XXXX I do not have a contract with MERCANTILE ADJMT BR, they did not provide me with the original contract as requested with my wet signature and ID Verification.
12/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75032	Web
My social was stolen during the XXXX hack and multiple energy company accounts were open as a result. XXXX XXXX transferred the debt of an account that was opened without my authorization to a debt collection agency. XXXX has been contacted.
02/23/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CT 063XX	Web	Servicemember
Repeated robocalls, almost daily, from mercantile adjustment bureau. The calls do not identify who is in collections or what the debt is for. It tells me to call a number with a passcode. I suspect the call is a scam and it will not stop.
10/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45069	Web
XXXX XXXX allowed someone to fraudelently open an electric account in my name. The person didn't pay the account and the balance is up {$310.00}. It was the charged to Mercantile Adjustment Bureau. I want this removed from my credit.
11/19/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 936XX	Web
The company is Mercantile XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX COLLECTING for XXXX XXXX XXXX They claim I owe them around XXXX, this is not my debt and I didnt authorize or ask for this credit card. Please remove debt
04/19/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 144XX	Web
Mercantile Adjustment Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
10/30/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 080XX	Web	Older American
Receiving daily calls from Mercantile for about the last month. have not called them back. We have excellent credit rating and owe no debts. Always the same message, to call back with a reference number.
08/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 14227	Web
A hospital in XXXX NY ( XXXX ) was trying to collect on a bill that was already paid. I never received a bill for {$280.00} from the hospital itself but was notified by a debt collector.
11/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32773	Web
I have had repeated robocalls from Mercantile Adjustment. They will not stop calling - supposedly you can leave a message but it never allows you to do so. It is not even my collection!
05/03/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH XXXXX	Web
This card was paid off in XX/XX/2014 and then someone used it and made fraudulent charges on it then defaulted on it I am part of the XXXX data breach.i am not responsible for this.
04/01/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28607	Web
I have told them to stop calling me. They keep calling from spam numbers and call 3 or 4 times a day. I have told them to stop calling and they don't. This is getting old.
04/09/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH XXXXX	Web
Received a letter from Mercantiile Adjustment Bureau, placed into collections from XXXX XXXX XXXX. Retained attorney and in the process of filing BK. Cease and desist
12/15/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MD 21030	Web
This is a debt that my ex-husband ran up in my name, and is over XXXX XXXX XXXX. The debt is significantly less than the amount the collection agency is claiming.
09/29/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web	Servicemember
XX/XX/2019, received notification that a negative account was placed on credit report. I never heard of this company. Never signed a contract with this company.
06/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DC 20002	Web	Older American
I have been getting numerous calls on a daily basis from XXXX XXXX informing the call is an attempt to collect a debt. I do not owe XXXX XXXX any debt.
09/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75218	Web
A utility account from XXXX XXXX was opened on XX/XX/2023 and closed a month later. address used was XXXX XXXX XXXX XXXX TX XXXX, account # XXXX
04/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77091	Web
MERC ADJ BUR is claiming that I owe them {$950.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
11/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	DE 19702	Web
Mercantale continues to furnished paid improper information on credit file. Continue to reach out to company regarding item on credit report.
10/13/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 14221	Web
the doctor charged me no show fees for XXXX . the collection agency added XXXX $ as finance charges and put it on my credit history.
08/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49022	Web
I don't owe this money It has been disputed and I have not received a response. It continues to show up on my credit report.
07/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77035	Web
MERCANTILE ADJMNT BUR Paid-However creditor left on report as open collections. And needs to be removed. XX/XX/2019 XXXX
01/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I do not have a binding contract with mercantile adjustment BU in writing to place a trade line on my credit report
08/13/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NJ 077XX	Web
I have not received any notice of collection from any agency. There was no provided attempt to pay a simple amount.
05/23/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NJ 08096	Web
They continue to call and email, and threaten to jay me sued, arrested if I do not pay ( mercantilesolutions.com )
10/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77082	Web
My identity was stolen and electric accounts have been open in my name in places that I have never lived
11/21/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 741XX	Web
I never got notice of this just found on my credit report it is for {$120.00} fir some electric company
01/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34772	Web
Mercantile Adjustment Bureau Is reporting a collection in my credit report that Does not belong to me
11/29/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 146XX	Web
repeated calls to my place of employment despite being told by my supervisor not to call the company
07/17/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 49002	Web
XX/XX/XXXX told them to stop calling XX/XX/XXXX, XXXX, XXXX, & XXXX received calls
02/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web
cra violation inaccurate information sent police report and idtheft
03/04/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60653	Web
The balance amount is incorrect {$1300.00}. Which is not accurate!
04/27/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 14701	Web
They are charging me utilities bills that does not belong to me
01/07/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	OH 43232	Web
They call my job every day 2 and 3 times a day.
02/03/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39211	Web

02/02/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48033	Web

01/31/2024	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 773XX	Web

01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web

01/29/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75243	Web	Older American

01/29/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 99026	Phone

01/21/2024	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive enough information to verify debt	OH 45211	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30305	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78577	Web

01/05/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77044	Web

01/04/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 79407	Web

01/03/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38103	Web	Servicemember

12/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91356	Web	Older American

12/26/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	IL 60107	Web

12/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33167	Web

12/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KS 66219	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77522	Web

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78721	Web

12/07/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	AZ 85532	Phone	Older American

12/03/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77459	Web

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29061	Web

11/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77047	Web

11/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77449	Web

11/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

10/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29063	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28105	Web

09/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75150	Web

09/19/2023	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	GA 30047	Web

09/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 08360	Web

09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30213	Web

09/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 97024	Phone

09/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 71295	Web

09/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 97034	Web

09/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75052	Web

08/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75071	Web

08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07522	Web

08/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28081	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20748	Web

07/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94110	Web	Older American

07/17/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NV 89121	Web

07/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OR 97003	Phone

06/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76106	Web

06/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77034	Web	Servicemember

06/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76051	Web

05/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08060	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43227	Web

05/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18201	Phone

05/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76018	Web

04/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78526	Web

04/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76112	Web

04/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89142	Web

04/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OR 97321	Phone	Older American, Servicemember

03/21/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28210	Web

03/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77469	Web

03/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78230	Web

03/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63107	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77020	Web

03/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77087	Web

03/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32119	Web

03/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78207	Web

02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78730	Web

02/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77083	Web

02/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90046	Web

02/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76182	Web	Servicemember

02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75154	Web

01/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75072	Web

12/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70817	Web

12/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44709	Web

12/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48103	Web

12/05/2022	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 Was not notified of investigation status or results	TX 77566	Web

11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75034	Web

11/09/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33024	Web

11/09/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 13639	Web

11/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18062	Web

10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 17545	Web

09/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77002	Web

09/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77002	Web

09/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76116	Web

09/09/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48084	Web

09/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33312	Web

06/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91206	Web

05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23690	Web	Servicemember

05/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32254	Referral

05/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30474	Phone

04/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11420	Web

04/13/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 35127	Phone	Older American

03/28/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38068	Web

03/17/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	PA 19067	Web

02/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70607	Web

01/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11206	Web

01/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77521	Web

01/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76105	Web

12/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75039	Web

12/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web

12/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43228	Web

10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30274	Web

10/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 20190	Referral

09/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76040	Referral

09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OH 43004	Web

09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29501	Web

09/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48221	Web

08/31/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	NY 14450	Phone	Older American

08/25/2021	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 78665	Web

08/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33323	Web

08/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92344	Web

07/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77067	Web

07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web

06/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77080	Web

05/21/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	SC 29016	Web

05/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75214	Web

04/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30004	Web

04/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78660	Web

03/04/2021	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	FL 33445	Web

02/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30096	Web

01/23/2021	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	NY 14612	Web

01/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77583	Web

12/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 01915	Web

12/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70835	Web

12/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77089	Web

11/29/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 32811	Web

10/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60610	Web	Servicemember

10/22/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92118	Phone

10/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 02746	Postal mail

09/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60189	Web	Servicemember

08/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77064	Web

08/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78741	Web

07/28/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55438	Web

07/16/2020	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 91109	Postal mail

07/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77051	Web

06/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75217	Web

06/29/2020	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	LA 70563	Fax

05/27/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75050	Web

05/23/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33167	Web

05/07/2020	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	PA 15601	Postal mail

04/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75044	Web

04/08/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 33319	Web

03/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77089	Web

02/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 92646	Web

02/12/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91766	Phone	Older American

02/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft		Phone	Servicemember

01/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75150	Web

11/18/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60634	Web

11/13/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CT 06355	Referral

11/12/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33009	Fax

11/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77053	Web	Servicemember

11/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

10/31/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 32223	Web

10/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	OH 43610	Postal mail

10/28/2019	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 32223	Web

10/10/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29464	Phone	Older American

10/08/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 14485	Referral

09/18/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11795	Referral

09/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77012	Web

09/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web

08/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78040	Web

05/23/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 20737	Referral	Older American

05/10/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NY 14609	Web

04/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73162	Web

03/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76541	Web	Servicemember

03/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77066	Web

02/27/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PR 00918	Web	Servicemember

02/13/2019	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 23669	Referral

01/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07920	Web

01/07/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75232	Web

01/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77382	Web

12/19/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 27893	Phone	Servicemember

11/15/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85016	Referral

10/15/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	KY 40513	Web

10/15/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 37763	Web	Servicemember

09/30/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 14424	Web

08/17/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 95032	Web

08/08/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 27604	Web

07/16/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt		Fax

06/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76039	Web

04/30/2018	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	TX 79731	Web

04/18/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 13601	Web

04/10/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11779	Web

03/27/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WV 25813	Referral

03/09/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30044	Web

02/27/2018	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	NJ 07932	Postal mail

01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web

12/19/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33755	Referral

12/16/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30044	Web

12/12/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33433	Web

12/06/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33433	Web

12/06/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 76543	Web

11/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11236	Web	Servicemember

11/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76060	Web	Servicemember

10/03/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	WI 53011	Web

10/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44312	Fax	Servicemember

09/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31322	Web	Older American

09/12/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CT 06705	Web

08/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77024	Web

08/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19901	Phone

07/17/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt		Phone

06/27/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	NC 27537	Postal mail

06/22/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 76108	Phone	Servicemember

06/15/2017	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	PA 15003	Web

04/25/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 32177	Web	Older American, Servicemember

04/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30088	Phone

03/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NC 27703	Web

03/12/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 43016	Web

03/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 14611	Web

01/18/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97322	Web

01/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MS 38614	Fax

12/31/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78260	Web	Older American, Servicemember

12/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AL 36693	Fax

12/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11226	Postal mail

12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 07003	Web	Servicemember

12/02/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 31322	Web

11/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11213	Web

11/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	HI 96783	Referral

11/04/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	AZ 85742	Web

11/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11249	Referral

10/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07108	Postal mail

10/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90278	Web

10/05/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 14221	Postal mail

09/13/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 33308	Web

09/05/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 22304	Web

08/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 13601	Web	Servicemember

08/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 76132	Web

08/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MN 55434	Referral

07/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 11221	Web

06/08/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	WA 98632	Web

05/04/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NY 10598	Web

04/05/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30311	Web

03/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10038	Web

02/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07304	Web

01/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MD 20814	Web

12/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77584	Web	Servicemember

12/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33067	Web

12/02/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TN 37742	Phone	Older American, Servicemember

11/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CT 06067	Web

10/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10027	Referral

09/28/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	SC 29824	Web

09/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11206	Postal mail

09/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45638	Web

08/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AR 72702	Web

08/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11361	Web	Older American

08/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11212	Web

08/10/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MA 01832	Web

08/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77388	Web

07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 14131	Web

07/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 17408	Web

07/06/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	NJ 07203	Fax

06/29/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11701	Web

06/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07205	Phone

06/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10455	Web

06/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11418	Web

05/21/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76016	Web

05/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44011	Web

05/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11411	Web

05/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22191	Web

05/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OR 97322	Web

04/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89134	Web	Servicemember

04/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27265	Web

04/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11221	Web

04/14/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 44883	Postal mail

03/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 02155	Postal mail

03/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 19140	Web

03/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 13440	Web

03/12/2015	Yes	Debt collection Non-federal student loan	Communication tactics Threatened to take legal action	SC 29303	Phone

03/11/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OR 97402	Web

03/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 17702	Web	Servicemember

02/26/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 45241	Web

02/19/2015	Yes	Debt collection Non-federal student loan	Communication tactics Used obscene/profane/abusive language	NY 14211	Web

02/13/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 02136	Web

02/11/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	OH 43081	Web

02/06/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	GA 31131	Web

02/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11030	Web

02/01/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	VA 20120	Web

01/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11030	Web

01/29/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	NY 10307	Web

01/22/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77049	Web

01/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 14206	Web

12/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10022	Phone

12/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07083	Web

12/03/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	CA 91752	Web

12/02/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48503	Web

11/25/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77503	Web

11/25/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	OH 43430	Web

11/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10128	Web

11/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 13495	Web

11/04/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	NY 14207	Web

10/23/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 11221	Referral

10/14/2014	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	NC 28601	Web

10/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11598	Web

10/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 32832	Web

10/08/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07002	Web

09/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	AZ 85308	Web

09/26/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NY 11375	Web

09/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 11231	Web

09/16/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07002	Web

09/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 07303	Web

09/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75214	Web

09/02/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NY 14222	Web

09/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07020	Web

09/01/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 07606	Web

08/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CT 06108	Web

08/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	NY 14217	Web

08/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11771	Web

08/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44830	Fax

07/16/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77096	Web

07/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WV 25304	Web

06/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80013	Web

06/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PA 18042	Web

06/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11743	Web

06/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	ME 04981	Web

06/03/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 33779	Web

05/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07109	Web

04/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 01440	Web

04/26/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NY 14120	Web

04/18/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not disclosed as an attempt to collect	AL 36401	Web

04/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11365	Phone

04/10/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 23310	Web

04/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97502	Phone	Older American

04/07/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 13676	Web

04/05/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	CA 92223	Web

03/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MA 01420	Phone

03/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75052	Web

03/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07043	Phone	Older American

03/28/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32907	Web

03/17/2014	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	NC 28216	Web	Servicemember

03/14/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CT 06776	Web	Older American

03/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20878	Web

02/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33068	Referral

02/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CT 06281	Web

02/14/2014	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	NJ 08873	Web

02/12/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	CA 90211	Web

02/12/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MO 65065	Web	Servicemember

02/10/2014	Yes	Credit card	Other	PA 18224	Web

02/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 07052	Web

01/30/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80215	Web

01/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10021	Referral

01/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 08852	Web

01/22/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 20906	Web	Servicemember

01/22/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 49079	Phone	Older American

01/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43214	Phone

01/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10528	Web

01/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94601	Referral

01/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 14580	Web

01/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	VA 23462	Web	Servicemember

01/02/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MA 02050	Web

12/17/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	KS 67216	Web

11/30/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10462	Web

11/21/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 08360	Web

11/16/2013	Yes	Debt collection Non-federal student loan	Communication tactics Called after sent written cease of comm	NV 89126	Web

11/13/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75043	Web

11/07/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 18102	Web

11/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	SC 29715	Web

11/06/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	IA 51031	Web

11/04/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77007	Phone

11/01/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 11001	Postal mail

10/31/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92115	Web

10/28/2013	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	NY 13144	Web

10/24/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MA 02136	Web

10/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20774	Web

10/17/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 17055	Web	Servicemember

09/25/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22401	Phone

09/20/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 71111	Web

09/17/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11435	Web

09/16/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 14611	Web

09/12/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 43130	Web

08/08/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	MA 01940	Web