| 04/10/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone 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 files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days.
I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me.
Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
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 a 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.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
XXXX. MERCHANTS ADJUSTMENT bal. {$420.00} 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 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 an 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 an identity theft report 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
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| 01/30/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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. MERCHANTS AD bal. {$120.00} 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 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 an identity theft report 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 po box 4503 Iowa City, Iowa 52244
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| 02/20/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX
XXXX, XXXX XXXX Collection Agency Name : MERCHANTS AD XXXX XXXX XXXX XXXX.
XXXX, XXXX XXXX RE : Account # ( XXXX ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following.
Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for MERCHANTS AD in case legal action becomes necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards [ : XXXX XXXX XXXX XXXX. ] cc Federal Trade Commission
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| 09/02/2021 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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Hi my name is XXXX XXXX, and im submitting this complaint myself. There is no third party involved. My rights as a consumer has been violated pursuant to federal law.This Affidavit of Fact is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you MERCHANTS AD are in violation as I never gave you my information directly ; I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you MERCHANTS AD used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefore I a consumer created the debt via my extension of credit to MERCHANTS AD ; You MERCHANTS AD shall also know that the term debt is defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; You MERCHANTS AD are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; You are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you MERCHANTS AD is stating that someone other than me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 ) ; I hereby Demand! That you MERCHANTS AD cease and desist all communication and attempts to collect this alleged debt Pursuant to 15 U.S. Code 1692c ( c ) ; Take further notice that your failure to follow these laws will result in me invoking specified remedies Pursuant to 15 U.S. Code 1692c ( 3 ).
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| 11/05/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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on XXXX XXXX, i sent merchant adjustment services a letter requesting the validity of the alleged debts as follows : MERCHANTS ADJUSTMENT SERVICE, INC ATTN : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Re : DELETION OF INACCURATE ITEMS ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies.
This is not a refusal to pay, but a notice that your claim is disputed.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports.
I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.
In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal co
llection activities on any account that may be time-barred as well as violation of MISSISSIPPI medical privacy rules .
I also hereby reserve my right to take private civil action against you to recover damages.
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| 08/04/2023 |
No |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am requesting assistance with a collection agency out of XXXX, AL, Merchants Adjustment Services, who has refused to send me information regarding an alleged debt and has refused to mark this debt as disputed, despite multiple requests to do so.
Towards the beginning of XXXX I started to get calls on my personal cell phone from a number my phone listed as " spam ''. As per all spam calls, I ignored them. No voicemails were left. One day I recognized the spam number as a repetitive caller, so I answered. The person on the other end had incredibly broken XXXX ( I work for a government call center. We have foreign callers often. That being said, I was STILL struggling to understand this person on the line. They sounded XXXX, which further supported my assumption this was spam ). The person on the line said something to the effect of " This is ( unintelligible ) with ( unintelligible ), trying to collect a debt of ( unintelligible ) from you. How would you like to pay today? '' I responded, " I'm sorry, WHO is this? You're with WHO? ". Again, his response was unintelligible. I truly could not tell you the caller 's name or the company he worked for- incredibly broken English. This communication effort violated Code 12 CFR 1006.34, which states that oral disclosures must be given at a volume and speed sufficient for the consumer to hear and comprehend them. A reverse phone number lookup on the website indicated the phone number was tied to Merchants Adjustment Services. However, to my knowledge, I owe no debts. I hung up the phone and blocked the spam number.
I assumed that matter was settled. However, in XXXX of XXXX I checked my credit report and noticed a negative account. I've never had a negative account on my credit report before. " Merchants Adj Service- {$570.00} '' was the delinquent activity. I immediately wrote the company a written request for more information, as well as the specific request to classify the debt as " disputed '' by myself. I received a written response from the company a few days later, within the time frame allotted by the US Code. The written response ( attached ) was incredibly insufficient and hardly contained any of the information about the debt I requested. I specifically requested a copy of the bill I signed, because the {$570.00} procedure in question I do not even remember taking place. My second letter was received by the company via certified mail on XX/XX/2023 and as of XX/XX/2023 I have not received a response. Additionally, as of XX/XX/2023 my debt is still listed as " negative '' rather than " in dispute '', which is actively harming my credit score and affecting my purchasing abilities. This is a direct violation of Code 12 CFR 1006.38.
|
| 10/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am having a problem with MERCHANT ADJUSTMENTS. I HAVE REACHED OUT TO THEM ABOUT 120 DAYS NOW REQUESTING VALIDATION THAT ANYONE AUTHORIZED THEIR COMPANY TO RETRIEVE MY MEDICAL INFORMATION AND PROOF OF THE ACCOUNT NOT JUST A BILL THEY CREATED. THEY ONLY TOLD ME THAT SOMEONE AT THE ALLEDGED HOSPITAL TOLD THEM I AUTHORIZE ANY PROVIDER TO SEE THEIR MEDICAL INFORMATION.
IF THIS WAS THE CASE, THEY STILL WOULD NOT BE ABLE TO ACCESS ANY OF MY MEDICAL INFORMATION BECAUSE THEY ARE NOT A PROVIDER THEY ARE A COLLECTION AGENCY.I ASKED FOR THAT LETTER, AND THEY REFUSED TO SEND IT TO ME.
THIS IS A IDEA OF THE LETTER I SENT THEM AND THEY SENT NOTHING Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until the debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you Will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you by certified mail. Kind regards, The listed items are entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).
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| 04/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I went XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX to seek treatment for a XXXX XXXX. I paid my required copayment and they filed the claim with my health insurance. I was under the impression that I have complied with the requirement for a health insurance claim. Nearly two years later, I now have a {$230.00} collection account on my credit report and will remain on my credit report for seven years unless the claim is paid by my insurance.
When I contacted XXXX XXXX XXXX XXXX XXXX onXX/XX/2019, I was told the claim was denied because XXXX XXXX XXXX XXXX XXXX did not file claim within 12 months from the date of service. I file an appeal with XXXX XXXX XXXX XXXX XXXX of MS but my claim was denied stating it was not filed timely. I did not receive any correspondence from the creditors giving me an opportunity to pay for the bill before it was placed in collection and on my credit report.
According to the Medical Debt Act of 2016, The bill amends the Fair Debt Collection Practices Act to require a debt collector, before informing a consumer reporting agency regarding a medical debt, to notify the consumer in writing that : ( 1 ) the debt collector could report the debt to a consumer reporting agency 180 days after the notification is sent, specifying the precise end date of the period ; ( 2 ) the debt will not be reported if it is settled or paid during the 180-day period. I never received any documentation in writing about an unpaid medical bill.
The account was reported to all three credit bureaus before 180 day after being delinquent. The date opened on the account is also incorrect. The date of service was XX/XX/2017, it is being reported on my credit reports as XX/XX/2018. I have disputed this debt with XXXX and XXXX and the debt was verified as accurate. I have contacted the original credit and collection agency to pay the bill in full to have the item deleted, since this is clearly a clerical error for untimely processing. I had health insurance at the time of office visit. The original creditor stated they will call or email me back but I never heard from them. I am requesting that this item be deleted from my credit file.
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| 02/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have no idea who MERCHANT ADJUSTMENT SERVICE is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. MERCHANT ADJUSTMENT SERVICE is indicating that an account with AN UNKNOWN account # was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized MERCHANT ADJUSTMENT SERVICE as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ MERCHANT ADJUSTMENT SERVICE } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to MERCHANT ADJUSTMENT SERVICE, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
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| 06/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have no idea who MERCHANTS ADJUSTMENT is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. MERCHANTS ADJUSTMENT is indicating that an account with an unknown account number was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized MERCHANTS ADJUSTMENT as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ MERCHANTS ADJUSTMENT } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to MERCHANTS ADJUSTMENT, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
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| 02/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I became ill at home on XX/XX/XXXX with XXXX XXXX XXXX, XXXX and XXXX. I went to the closest medical facility to my home which was XXXX XXXX XXXX XXXX, however, the clinic closed early due to the holidays. In my need to desperately be seen by a physician I went to the emergency room for treatment. In that moment I was triaged and put into a waiting room.
After approximately XXXX hours of waiting and not being seen by a physician I checked with the clerical staff regarding how long it would be before I am seen by a physician. The clerical staff was astonished that I had not been seen they said that they had no idea I hadn't been seen. Later a female entered into the exam-room and never introduced herself to me. I asked who she was then she stated XXXX XXXX. She requested to see my inhaler I had in my hand and inquired, " who prescribed this inhaler for you? '' After that XXXX XXXX abruptly left the exam-room. XXXX XXXX returned shortly with her malicious diagnosis alleging, " your doctor did not prescribe this inhaler for you and I refuse to treat you. '' During her psychotic, racial rant and abuse of me I suffered a XXXX XXXX in the exam-room. I had to take my medication of XXXX XXXX immediately to endure the racial abuse from this gatekeeper 's vile systematic actions being taken against me. After filing a complaint with XXXX regarding the maltreatment that I received from the doctor at XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX left a line of destruction against me with XXXX XXXX XXXX. In their narrative that dated XX/XX/XXXXthey alleged " you were seen at XXXX XXXX XXXX XXXX 's after hours clinic on XX/XX/XXXX, '' is a fraudulent statement and misleading statement. I was not seen in the after hours clinic they were closed. Therefore, I had to go to the emergency room seeking treatment but was refused medical treatment in the " emergency room by their physician at XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX continue with their intent by making a representation which they knows to be false ... '' you left against medical advice at XXXX p.m.
|
| 08/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I am a victim of identity theft, my personal information was leaked in a recent breach by XXXX, XXXX XXXX. I noticed several accounts that are reporting that aren't my account along with inquiries. By law i must allow permission for someone to go onto my credit file, which i didn't give. That is breaking the law of FCRA several sections.
NOTICE OF INTENT TO FILE COMPLAINT Dear Sir/Madam, I am hereby sending you this letter as formal notice of my intent to file a complaint with the Federal Trade Commission ( FTC ).
I notified you on two separate occasions, that the following account is not mine and needs to be deleted immediately.
Name of creditor : 1. XXXX XXXX 2. MERCHANTS ADJ SERVICES You have ignored my two previous letters requesting deletion of this account. And it continues to remain in my credit report. The enclosed copies of letters and mailing receipts are proof that you have been delivered by registered mail both a dispute letter, dated XX/XX/2019, as well as a follow-up letter, dated XX/XX/2019.
By law, you are required to respond to consumers credit report dispute letters within 30 days. Be advised that you are in violation of the Fair Credit Reporting Act, and that the Federal Trade Commission investigates complaints for failure to respond, yet you have failed to comply with these Federal regulations.
I hereby demand that you immediately remove this account from my report. If you fail to do so, I will file a formal complaint with the Federal Trade Commission. Furthermore, I intend to file a lawsuit in civil court for damages, costs and attorney fees, should you continue in your deliberate disregard for the law.
I hope that we will be able to resolve this problem, so that no further action will be required.
Please send me an updated copy of my credit report. Also, send a copy of the revised report to each creditor that has received my credit report within the past six months, or the past two years for employment purposes.
Sincerely,
|
| 09/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC letters about some alleged debts of : XXXX, and XXXX that i do not owe, i never gotten a response so on XXXX XXXX i sent out another letter asking for the validity of the debts in which i never received.MERCHANTS ADJUSTMENT SERVICE, INC sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debts of XXXX, AND XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, MERCHANTS ADJUSTMENT SERVICE, INC has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XX/XX/2021.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
|
| 02/26/2022 |
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
|
|
Web |
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|
I recently received updated copies of my XXXX and XXXX credit reports. I noticed a collection account on both of them upon review. I filed a response with the CFPB about the issue and immediately received a response from the collection agency. I received letter in mail from them today, XX/XX/2022 and replied immediately stating that what was provided was not acceptable to validate the date. The letter was sent via certified mail with return receipt and is attached for reference.
As noted above, their claim is invalid based on what they provided to me.
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. I demand to know who verified these accounts, and the method of verification.
I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.
Again let me repeat, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.
|
| 09/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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XXXX XXXX, i sent my final letter TO MERCHANT ADJUSTMENT SERVICES about some alleged debts of :107,107, and 155 that i don't owe. I have disputed asking for the validity of the debts at hand and they have not responded to my request within the 30 days.national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the total alleged debts of {$360.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, MERCHANT ADJUSTMENT SERVICES has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.
|
| 04/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I sent Merchants Adjustment Service a debt validation letter XX/XX/2022 I have proof of a return recite. So I waited until XX/XX/XXXX to call them and ask them where are the validation of this debt I need proof they avoid sending me it. Then I call back and spoke to a male representative and ask them again about this debt validation letter and he said that they sent it out on the XXXX but I never received this. So he advised that he will send it to my email I gave him my email address and he said it will be sent out before the day end I waited and never received the validation and I also check my spam box to make sure it didnt went to spam. Its a violation of the collection practices act for a debt collector to refuse to send me a validation notice or fail to respond to my validation letter. The law is very clear as to the Civil liability and the remedy available to me for negligent XXXX XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. From the date I sent the debt validation letter which is XX/XX/2022 I gave XXXX 30 days to send me validation documentation thats this account is mines if I dont receive anything as In proof of what I listed in the debt validation letter from Merchants Adjustment Service by XXXX XXXX please remove this account from my credit report immediately and dont say you sent it out because I didnt receive it if you sent this out please provide a certified recited with the date that the male representative told me it was sent out which is the XXXX please show me proof of you cant show me proof Im asking that you delete this account from my credit report Thank You
|
| 12/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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Merchant Adjustment Services continue to violate my consumer rights. Under 15 USC 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This company is very unaware of consumer laws. They stated in a previous complaint that I consent to them having my personal information when I signed into a medical facility Federal law clearly states that I have to give direct consent. They also stated that they didn't use abusive or obscene language. Under 15 USC 1692 ( D ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader is a violation. I said it was abusive, the company cant state what is abusive to me or not. This is why Federal laws were put in place for deceptive practices as I am experiencing what this company. They stated they sent me a letter regarding this matter, I ask that they send it again. Under 15 USC 1692J, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.I 'm pretty this company is not the original creditor of this alleged debt. So, please send me the deceptive form you stated you already sent, so i can have proof you violated me and get my {$1000.00} per violation. Thanks
|
| 11/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC a letter about a alleged debt of XXXX that i don't owe nor had any dealing with. i requested certain information as follows : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
|
| 11/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC a letter requesting the validity of the alleged debt of XXXX that I don't owe.They haven't responded to my request thus far and I am seeking this inaccurate tradeline be deleted from my credit report.they also have violated 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
|
| 02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond they stated only once that I authorized a company to release their information. when I requested the proof of that document they refused to send it and stopped responding. there is more than one account with this company.
my last letter is sent was along the line of This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.
|
| 02/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I looked at my credit profile to realize that a fraudulent collection account had been added to my credit profile. One, the agency never notified me by mail for verification per FCRA laws. Second, they didn't verify the debt. I do not owe the debt to XXXX Hospital nor to this creditor.
The FDCPA gives consumers the right to have the following information in writing within five days of the initial communication from a debt collector : The amount of the debt.The name of the creditor to whom the debt is owed.A statement that, unless the consumer disputes the validity of the debt, or any portion thereof, within 30 days after receiving the notice, the debt will be assumed to be valid by the debt collector.A statement that, if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer. The debt collector must mail a copy of this verification or judgment to the consumer.A statement that, upon the consumers written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
I didn't not recieve this. That is a direct violation of my rights.
|
| 06/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
For starters I do not owe this company any money nor have I ever done business with this company. For two how is this company attempting to collect dent on behalf of another company? I did my research on this company and found that not only are they attempting to collect a false debt, they are also not legally licensed to do business in the state of Georgia which this information can be found on https : //ecorp.sos.ga.gov/BusinessSearch it is against the FCRA to collect on a debt that first of all is not true, and even more against the law when you are not licensed to do so.
I have not done business with this company. XX/XX/2020 I contacted this company asking them to send me proper debt validation and they have yet to do so. I am demanding that this company remove this account from my credit reports at once, it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another.
While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. My lawyer has advised me to bring this information forth to a judge in my area and I will do just that if this information is not removed from my credit file.
|
| 06/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Merchant contacted many times. See prev complaint XXXX where merchant failed to acknowledge previous contact attempts. Merchant advised does not have a contract of service where service was to be performed. Merchant is attempting to collect a debt for services not contracted/requested. XX/XX/XXXX ; XX/XX/XXXX ; XXXX- No calls or voicemails received from merchant. No letters, service contracts, signed bill of sale or supporting docs received from merchant. I have attempted many times to get this information yet the merchant does not answer the phone. Only contact was in XXXX by phone in which no docs supplied to me either. XXXX disputes contained a request for supporting docs but merch is denying this. The lack of communication by the merchant has prevented me researching this debt as well as having the proper information to support the charge. I feel merchant is using deceptive and abusive tactics due to lack of letters, supporting info, req for docs unfulfilled, false statements, and failing to answer phone after multiple reasonable and prudent attempts. I believe this merchant has committed a UDAAP violation and is attempting to collect a debt for a service that was not contracted/requested by me.
|
| 08/10/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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I am in XXXX from XXXX XXXX and am still in college under my parents insurance. I had a XXXX done and went by myself and accidentally gave the hospital the wrong insurance card. Needless to say, the scan was not payed for by insurance and I was liable for it. It has gone into collections and I was contacted by Merchants Adjustment Services. I tried explaining what happened and gave the caller my dad 's number because I am still under his insurance. A few years have gone by and I recently noticed it was still on my credit report. I called and asked if they could send me a bill in the mail so that I could take it to my insurance company just to see if there was a shot in the dark that they would pay for it, but the MAS rep was extremely rude saying they would not pay for it and refused to send me anything in writing eventually hanging up on me. MAS is not my insurance provider and they do not make the decision as to if my insurance will help or not. I do not understand why they will not send a bill if I owe them money. If insurance can not help, that is fine I will make payments as I can, but I would like to at least explore that option.
|
| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XX/XX/XXXX In accordance with Fair credit reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681.
THE FOLLOWING XXXX ACCOUNTS # XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX {$510.00} XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XXXX : XXXX XXXX {$91.00} XXXX XXXX {$75.00} XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX XXXX : XXXX XXXX {$170.00} HAS VIOLATED MY RIGHTS!
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
15 U.S.C 1681 SECTION 604 A. SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
15 U.S.C 1681C [ 5 ] SEC STATES ; NOCONSUMER REPORTING AGENCY MAY MAKE CONSUMER REORTS CONTAINING ANT OF THE FOLLOWING ITEMS OF INFOMATION ANY ADVERSE ITEM OF INFOMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS.
15 U.S.C 1681S-2 [ A ] [ 1 ] A PERSON SHALL NOT FURNISH ANY INFOMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFOMATION IS INACCURATE.
|
| 06/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I was sent XXXX XXXX XXXX XXXX in XXXX Ks from the XXXX XXXX XXXX XXXX XXXX for XXXX XXXX. The VA does not have this service for women Veterans, so an appointment was made for me to get it done as an outsource service. Sometime XX/XX/XXXX, I received a bill from XXXX XXXX ref this appt. I called the financial service to inquire about this and was told it was an error my insurance would be billed. I then received another bill in XXXX and again in XX/XX/XXXX at this time I was in full XXXX treatment and honestly did not make this a priority. In XX/XX/XXXX after completing XXXX, XXXX and preparing to start XXXX I again called the billing service after receiving a call from XXXX XXXX a collection company and was told it would be taken care of. I had told the lady at this time I can see in my chart payment history this was paid XX/XX/XXXX. She claimed she doesn't see that so I faxed it to her and she again told me it would be removed from collection. It is a year later and I am still getting calls from the collection company regarding this. I have copies of the bill, payment and request for payment letters.
|
| 03/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2020, I received a call from Mr . XXXX with Merchants Adjustment Services ( XXXX ) stating that I had 2 open accounts with XXXX XXXX XXXX and that if I did not pay it immediately, he would be filing that day to sue. I told him then that he could not threaten me unless he absolutely intended to take that action. After ending the call with him, I called back and spoke with XXXX, the receptionist. I told her that I was not to he contacted AT ALL via mail, email, or phone after that date. I then left a voicemail for the manager, XXXX XXXX which was never returned. Today, XX/XX/2020, I received another call from Mr . XXXX. I informed him that I requested no further contact and he started in on " Well while I've got you on the phone, why haven't you made an effort to pay this. '' I told him that was harassment. I then called and left another voicemail for Mrs. XXXX. Her assistant XXXX XXXX returned my call and informed me that all calls are recorded. I told her all of my issues and then SHE began attempting to collect on me instead of listening to my complaint!
|
| 10/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector
|
| 02/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2018, I contacted Merchants ADJ Service to dispute the medical bill on my credit report. The person I spoke to would not verify the debt in writing.I then contacted the original creditor, XXXX Hospital, and asked the billing department to verify the debt. They had no record of outstanding debt in connection to my name, birthday, or social security number. On XX/XX/2018 I filed a dispute, online, with XXXX. The investigation determined the debt to be valid.
On XX/XX/2018 Merchant ADJ Service reported a second medical bill, from a different facility, to my credit report. On XX/XX/2018, I contacted the XXXX XXXX XXXX XXXX, and they had no outstanding bills in my name. I was then transferred to XXXX in the billing department of the XXXX Hospital. She had no record of outstanding bills connected to my name, birthday, or social security number. I called XXXX, explained the situation, and filed another dispute against these two accounts.
|
| 07/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have reached out to this company Merchants Adjustment Service pretty much every since this collection has showed up on my credit report via mail and I have not received any feedback whatsoever. I have never received a " debt validation '' letter from them nor have they responded back to me to " verify '' that the debt is actually mine. I have disputed with the Credit Bureaus about this also and they always come back with that the debt is " verified '' without any proof. I have requested documents that include my signature, verifying the debt is mine. The last attempt I made with this company was back in XXXX of 2021 where i sent them a letter via " certified mail '', it was returned signed by someone who i assumes works there but they " neglected '' to put the date that they signed it when clearly they have 30 days to respond. They never responded and today is XX/XX/2021. This collection is damaging to my credit.
|
| 12/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I received a call for merchant adjustment service around XXXX XXXX XX/XX/XXXX about a medical debt. I didn't consent to this debt collector to my personal. The lady that called me threatened me that if I didn't pay the debt, they were going to pursue legal action and offered me to pay only 20 %. Under 15 USC 1692 ( I ) Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Merchant adjustment service is also in violation of 18 USC 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on an alleged debt not owned. As I stated above, I don't consent to merchant adjustment service to having my personal medical information or permission to have my personal identifying information, which you obtained by aggravated identity theft in accordance with 18 USC 1028 ( a ). Cease and desist all illegal activities.
|
| 01/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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|
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
|
| 06/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX my daughter had dental work done we have dental insurance at the time so some of it was paid. On XX/XX/XXXX I paid last payment and got a receipt saying patient balance XXXX. I call the insurance company today and got them to look into the account and see if they have proof that the insurance paid their part and they did. I called the collection company today and the lady kept saying I owed it and that that receipt was old and that I owed it. I told her it clearly says patient balance zero. She was not making since. If you see a statement that says the patient balance is zero how can you argue that. I told her do not contact me again about this no more letters which the only letter I have is the one I got today. To add to this I only knew about this cause its on my credit report so the collection department sent me a letter. Saying I owe it.
|
| 10/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the United States of executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute I also understand that knowing and willful misstatements or omissions of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001 Additionally. these misstatements are punishable as perjury under 18 I.S.C 1621 This collection found within My credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts All is being investigated by the FTC
|
| 12/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute I also understand that knowing and willful misstatements or omissions of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001 Additionally. these misstatements are punishable as perjury under 18 U.S.C 1621 This collection found within My credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts All is being investigated by the FTC
|
| 12/27/2020 |
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
|
|
Web |
|
|
From the company 's CFPB response I have concluded that they are still presenting false information about my complaint and as a side note this company is openly violating The HIPPA Law. Under the FCRA, unverifiable accounts must be removed within 30 days and if you are unable to provide me a copy of verifiable proof ( i.e proof of the alleged items, specifically the contract, note or other instrument bearing my signature ), you must remove the fraudulent account. I never signed a contract, note, or other instrument bearing my signature. The company can't provide this information because it doesn't exist. Their failure to positively verify these accounts that I disputed on XX/XX/XXXX ( which has been beyond 45 days ago ), has hurt my ability to obtain credit and I desire it to be deleted from my credit report.
|
| 12/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company listed themselves on my credit report. I have not spoken nor received any communications from this company.
XXXX XXXX XXXX Original creditor : MERCHANTS Balance details 0 % paid off Balance {$13000.00} Balance updated XX/XX/2022 Original balance {$10000.00} Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/2022 Payment summary 2022 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info Name JXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
|
| 02/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a response to the complaint I initially filed with the CFPB today ( XX/XX/2022 ). I did not receive the items I specifically requested in my initial letter to the collection agency ( XXXX XXXX XXXX ). The collection agency merely forwarded a letter summarizing charges they claim are due. The letter was not even on letterhead nor was there anything provided from the original creditor ( XXXX XXXX of KY ).
Attached is the letter I sent via certified mail with return receipt today ( XX/XX/2022 ) to the collection agency noting that I would not accept what I received from them to validate the related claim. I am also attaching a copy of the letter I received from them today.
Note that I demand the related collection account be deleted from my credit report immediately.
|
| 11/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On XX/XX/2023, Merchants Adjustment Services indicated in complaint XXXX XXXXXXXX they are in BILLING stages and not COLLECTIONS yet they advertise themselves as a 3rd party COLLECTIONS company. Merchants Adjustment Services therefore FALSIFIED their status, holding, and intention of this alleged debt in my name. Based on their FALSIFIED response to CFPB, this company needs to be investigated and held in contempt of federal laws. In my previous complaint, I also referenced the debt is related to identity theft and to cease and desist all communications. Merchant Adjustment Services failed to address those two issues in my original complaint. My FTC Identity Theft Affidavit was attached to the original complaint and in violation of federal laws has disregarded this affidavit.
|
| 02/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a letter to Merchants Adjustment Service to validate an account they are reporting on my credit report with XXXX XXXX XXXX XXXX. The certified mail letter was received by Merchants Adjustment Service on XXXX via USPS tracking number XXXX. I have not received appropriate validation documents such as the assignment agreement between the original creditor and Merchants Adjustment Service, the original contract from the original creditor that the collection agency should have on file, a record of the payment history, etc, which I requested in the letter. The information being reported on my credit report is incorrect. The company failed to validate this debt and the account is still reporting on my credit report and reporting incorrectly.
|
| 07/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
repeated attempts via certified letters disputing this medical collection asking XXXX, XXXX to remove medical collections from my credit report with no success.
XXXX Merchants Adjustment : # XXXX XXXX XXXX XXXX XXXX XXXX. Loan Type- collection agency/attorney : Balance {$1.00}, XXXX XXXX- Merchants Adjustment XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. Loan Type- Collection agency/attorney : Balance {$1100.00} in accordance with the Fair Credit Reporting act Concerning Account # XXXX, has violated my rights 15 U.S.C. 1681 Section 602 A ; States that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish an account without my written consent or instructions
|
| 04/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. Its been more than 10 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.
This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report. "
|
| 05/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I filed a complaint through you guys against the company, Merchant Adjustment Services and the company responded back on XX/XX/XXXX with incorrect and false information. The company stated that after a letter was sent XX/XX/XXXX, I did not respond! As I stated in my first complaint my last correspondence was XX/XX/XXXX in which the company did not respond. Also the dates on the company 's response is very confusing, I don't understand the reply were they said on XX/XX/XXXX it was verified with the credit bureau that the account was showing as disputed and today 's date is only XXXX XXXX.
I also sent a correspondence to this company on XX/XX/XXXX, showing that the response is incorrect
|
| 12/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 12/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have notified Merchants Adjustment Service that the referenced debt they are attempting to collect is the result of identity theft. I requested proof that the debt is mine, including proof of the identity document ( s ) provided to the original creditor as well as a SIGNED contract of agreement to pay to the original creditor. MAS only provided a printed sheet from their database with generic information. MAS did not provide any proof that the debt belongs to me. MAS did not provide any documentation that the debt was originally mine either.
I continue to dispute this balance on the claim that it is the result of identity theft. I have attached the FTC Identity Theft Affidavit.
|
| 06/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Merchants Adj Service has willingly reported to the three credit bureaus a debt of {$91.00} XXXX XXXX XXXX XXXX. I never received a notice of right to dispute by mail from them at my Current address. I have contacted them several times demanding they remove the reporting and resend the file to my medical insurance provider as my claims are covered 100 % by either Medicare or Medicaid in the state of KY. They have ignored all attempts to comply to the FCRA on reporting and the FDCPA on the proper procedure of rights to disputing. I will continue to exercise my rights under the FCRA filing regularly under the CFPB portal including but not limited to litigation if deemed necessary.
|
| 10/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a call today, XX/XX/2021, at XXXX pm from Merchant Adjust from telephone number : XXXX ( XXXX ) XXXX. I was told that if I didnt pay the balance in full to them on behalf of XXXX XXXX XXXX XXXX that they would begin to report on my credit. The callers name is XXXX XXXX and she told me to call her back directly at XXXX and pay her directly to avoid this small balance account from reporting negatively on my credit. This is a threat and I am not comfortable with it at all.
I am uninsured and currently unemployed so I have no way of paying this account in full. I feel this call was made in a threatening manner to have me pay her in full over the phone on the call.
|
| 10/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt was in dispute with original creditor earlyXX/XX/2018.
Collection company called XXXX XXXX XXXX attempted to collect in XX/XX/2018. XXXX XXXX XXXX failed to verify the debt and they were also notified it was in dispute. They were unable to validate or verify. Transfer or reassignment consent was not given and they were demanded to validate and verify.
The Debt was reassigned to Merchants Adjustment Service. We have since requested and demanded validation and verification or the alleged bill.
Complaint is about the transfer or reassignment of the collection attempt with another company. My understanding is that this is illegal under the FDCPA.
|
| 05/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 11/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company continues to report inaccurate and unverifiable information on my credit report. I ask this company to send validation of debt letter and to also cease all forms of communication with me through any and all mediums. This company is breaking numerous FDCPA laws. This company needs to stop reporting this inaccurate information on my credit file. To my knowledge Pursuant 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, I can only validate this debt, I do not validate this debt, so i demand this company to stop reporting unverifiable information on my credit report.
|
| 12/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, ( XXXX ) XXXX ) referred me to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) in XX/XX/XXXX over a {$600.00} medical bill. This bill is supposedly for services rendered in XX/XX/XXXX.
However, I never received a bill from anyone not on the date of service, and certainly not over the last year. I am XXXX XXXX military, and obviously move routinely. It appears XXXX may have been sending all my personal information to an old address that someone else now has. Neither company can explain to me what the bill is for.
Thank you, CFPB, for the great work you do.
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have sent debt validation letters to the following companies : XXXX XXXX XXXX ( XX/XX/2021 ), XXXX XXXX XXXX, LLC ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 ), and Merchants Adjustment Service ( XX/XX/2021 ).
XXXX : Has not provided proper validation of the debt owing to me XXXX : has not responded XXXX : has not responded Merchants : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.
|
| 11/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is in violation of numerous FDCPA laws. This company is reporting inaccurate and unverifiable information on my credit report and is causing me distress and making my credit report look bad. I request that this company send me a validation debt letter also Pursuant to 15 USC 1692c ( c ) I am notifying this company in writing that I refuse to pay this alleged debt, and I am demanding that this company cease all forms of communication with me through any and all mediums. I would also like this company to stop reporting inaccurate and unverifiable information on my credit file.
|
| 11/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX ( XXXX XXXX XXXX ) has reported a false debt to my credit report. I received notice in the mail of an alleged debt. As my right, I then submitted a written request within the timeframe given in the letter for XXXX to validate the debt. I needed proof of the debt as this company is not familiar to me, nor its services. Instead of sending me proof of the debt, XXXX reported a bad debt to the credit bureaus in the amount of {$200.00}.
Also, I've asked to see written documentation, instead I keep receiving incessant phone calls about paying the debt, but still no proof of debt.
|
| 02/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
" XXXX XXXX '' Date Opened : XX/XX/XXXX.Original Creditor : " XXXX ''. And " Merchants Adjustment Service '' Date Opened : in XX/XX/XXXX. I've Filed a FTC report of Identity Theft Report and sent it to all three bureaus. XXXX XXXX Or Merchants Adjustment Service Has not Validated This Acct with A signature or legal contract of acct being mine. XXXX XXXX has Deleted them items after my report and not validation. But XXXX said the acct will stay on record until XX/XX/XXXX. So I'm sending out another Validation Request and filing a complaint with the CFPB as well.
|
| 11/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ive sent letters to all 3 credit bureau asking to have the removal of these regarding fraudulent collections item on my credit report Merchant ADJ Service/ XXXX XXXX XXXX XXXX XXXX have violated my HIPAA rights. This is a violation of my rights due to HIPAA laws & FCRA laws. Ive disputed these collections the XXXX, FTC.. I demand these accounts be blocked, deleted and removed from my consumer report immediately or i will file for legitation. I am trying to obtain credit and these fradulent collections are preventing me from doing so.
|
| 03/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Filed a complaint on this company in XX/XX/XXXX. This company sent me a letter saying i owed XXXX on a past due medical. This company claimed my date of service was XX/XX/XXXX. So I looked on my XXXX calendar and found out I wasn't even in town. i was in Maryland handling my divorce. I called the hospital and asked when did I receive their services and the HIM department said XX/XX/XXXX. Which I already knew because that's the day I went into early labor. I also called the company to let them know they have the wrong dates.
|
| 05/23/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, these companies - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and MERCHANTS ADJ SERVICE failed to investigate & obtain, as mandated by law, proof of such debts. Yet, the bureaus - XXXX, XXXX and XXXX have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
|
| 02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I recently received updated copies of my XXXX and XXXX credit reports. I noticed a collection account on both of them upon review.
I have no knowledge of the apparent Collection Agency ( XXXX XXXX XXXX ) or the Original Creditor ( XXXX XXXX XXXX XXXX ). According to my Credit Reports, this debt became delinquent on XX/XX/2019.
I am providing a copy of the letter i forwarded to the Collection Agency requesting validation of the debt in addition to other things necessary for me to ascertain the validity of such.
|
| 03/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2022, I was notified I had medical debt collections from a credit report that was pulled for a mortgage pre-approval request. On XX/XX/2022, I sent a debt validation letter to Merchant Adjustment Services via certified mail. On XX/XX/2022, I received a letter from Merchant Adjustment Services. Contained in the letter was not a validation of debt, rather, I received a list of the medical records in direct violation of XXXX regulations. I never signed an authorization allowing access to this information.
|
| 05/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Older American |
|
They are contacting me when I am not the debtor, a family member is. I asked them to stop calling, but they harassed me and said they would keep calling until I found my family members contact. They are leaving voicemail messages about the debt with private information in it, they are threatening to come after me - although I have never cosigned on anything for this person - it is getting ridiculous, I just want them to stop calling and harassing me as well as my friends and other family members.
|
| 10/13/2019 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Merchants Adj services continue to report a debt in my name. XXXX handles all payments in full. XXXX determined I should not have any bill being reported to the credit reporting agencies as there is a legal agreement with the medical agencies and XXXX that prohibits these types of actions. Merchants Adj services continues to report this account in my name anyways to all 3 credit bureaus. Im a XXXX senior and I am not able to resolve this without seeking the CFPB portal for help.
|
| 03/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
MERCHANTS ADJ SERVICE never sent a Debt validation notice to me by mail nor did I receive a forward request of mail from them. MERCHANTS ADJ SERVICE reported to all 3 major credit bureaus a debt I do know nothing about. I have XXXX and XXXX which pays 100 % my claims and when I contacted my insurance they stated all claims are paid and full and that I shouldn't owe any medical company a debt. To told me to file with the federal agencies. So that is why I am filing with the cfpb.
|
| 05/30/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Merchants Adjustment Service ( MAS ) has " willy nilly '' placed a {$110.00} collection on my XXXX credit report. It does not state the original creditor, so in actuality MAS is stating that I owe this money to them. This is bogus reporting and is causing a hit to my credit score. I do not owe this company anything and, judging from MAS ' reporting method, it has no idea whether the information is accurate or not. Just an MAS employee trying to make a quota to my detriment.
|
| 05/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
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.
|
| 03/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Collection Agency - XXXX XXXX XXXX XXXX Original Creditor - XXXX XXXX Hospital Date : XX/XX/2013 Amount : {$720.00} In XX/XX/2013 this medical bill was included in bankruptcy I have sent paperwork to the Original creditor with no response over the years.
" The Credit Bureau failed to provide me with a proper investigation. Under section 611 ( 5 ) ( A ) of the FCRA - you are required to '' Promptly Delete all information which can not be verified.
|
| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the XXXX XXXX XXXX XXXXXXXX act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States that 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 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 any purpose.
|
| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
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 any purpose.
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act the companies have 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 an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open amend consumer credit plan as late for purpose..
|
| 06/24/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Merchants Adjustment Service, doing business for XXXX after a terrible not-at-fault car accident, the rest of all hospital bills were covered by the at-fault drivers insurance company, XXXX. They refused to take payment and remove this collection upon settlement. They would much rather have this listed as a collection on my credit report than have their money!!! This defies logic and I want this removed immediately.
|
| 11/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I went to the ER ( XXXX XXXX XXXX Florida ) on XX/XX/2019 and XX/XX/2019 and the hospital did not bill my insurance and sent me to collection. I spoke to the collection agency and they said they could not do anything and to contact my insurance. I contacted my insurance and they never got a claim for it so that's why they did not pay. Now this is affecting my credit and not letting me get a loan to purchase a home.
|
| 01/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
it was on XX/XX/XXXX and XX/XX/XXXX that i sent my letters asking for verification of this debt.Neither time were there anything sent to me bearing my name within the 30 days time limitation.The item is still on my report after they have broken the law by not verifing it in time.
It is causing me great hardship dealing with this matter for so long.
The certified mail reciept number is XXXX XXXX XXXX XXXX XXXX
|
| 02/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Merchants ADJ Services has placed medical bills on my credit report. Some of these accounts I have no knowledge of and I didn't give anyone authorization to even send my information to a third party. I haven't seen any contract stating that I gave them authorization to send my information to a third party. This is against HIPAA Laws. This has caused me so much XXXX because I'm trying to buy a house.
|
| 05/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Merchant Adjustment Services sent a letter XX/XX/2018 for validation of alleged debt but the company did not send requested items instead sent a bill with documentation of XXXX being perform and XXXX XXXX of the XXXX. I sent multiple letters thereafter requesting for validation of debt to no response. On XX/XX/2018 was my last letter requesting validation but as usual no response or reply.
|
| 11/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
on XXXX/XXXX/2020, I requested MERCHANT ADJUSTMENT SERVICE ABOUT AN ALLEGED DEBT OF XXXX THAT THEY SAY THAT I OWE AND I HAVEN'T HEARD BACK FROM THEM SO I SENT THEM ANOTHER LETTER ON XX/XX/2020 REQUESTING INFORMATION ABOUT THE SAME DEBT THAT THEY SAY THAT I OWE.FIRST THIS IS A HIPPA VIOLATION BY REPORTING MY MEDICAL INFORMATION THAT I DIDNT AUTHORIZED.I ATTACHED A COPY OF THE LETTER BELOW
|
| 12/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Merchants Adjustments ServiceXXXX XXXX did not prove the indebtedness.
Why remove it if the debt was legitimate and the services were provided? That supports my assertion that they have BOTH breached the law and committed a crime and caused me irreparable harm. My credit worthiness, reputation, and capacity to receive credit have all suffered. You must now pay me punitive damages.
|
| 05/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.
|
| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I RECEIVE MY CREDIT REPORT AND NOTICE A ITEM THAT I DIDN'T RECOGNIZED..IT WAS MERCHANT ADJUSTMENT SERVICE THAT IS TAKING MY INFORMATION AND SHARING IT WITH OTHERS.IT VIOLATES THE HIPPA LAW PLUS I REQUESTED THAT THEY VERIFY THE ACCOUNT IN QUESTION.I HAVE A COPY OF THE LETTER ATTACHED ASKING THEM SOME VALUABLE INFORMATION BECAUSE ITS CAUSING ME GRIEF DURING THIS TIME OF SUFFERING
|
| 02/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a debt validation letter to company on XXXX XXXX and I received a letter on XX/XX/2022 with a list of charges on XX/XX/2022 I sent a second failure to validate letter and I have yet to receive a response or yet to have this company validate that this debt belongs to me. Please delete this information from my credit file and cease all collection activities immediately
|
| 11/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/ 2021, I filed an FTC report for identity theft and sent it to XXXX and XXXX but they refused to remove this item in the amount of {$310.00}. The account was last updated on XXXX/XXXX/2021, which is incorrect. I also questioned the company 's XXXX XXXX, but they did not answer. I'm not sure where this loan originated. My bills have always been paid on time.
|
| 03/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Merchants AD is reporting two accounts on my credit report that I do not recognize, one account with XXXX XXXXXXXX XXXX and another with XXXX XXXX XXXX. I wrote a letter to Merchants AD requesting that they validate these two accounts. I did not receive a response from the company. However, these two accounts are still reporting on my credit report.
|
| 06/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Company contacted my ex spouse looking for me, mind you we have been divorced 12 years and have changed my phone #, and address multiple times since the divorce. My name is no longer close to his. In the conversation that he had with them they disclosed the date of my supposed medical procedure, hospital and the amount that I supposedly owe.
|
| 07/31/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2018, this account became delinquent for {$130.00} and was sent to the collection agency on XX/XX/2018. I advised them that " a family member has the same or similar name and asked them to remove this from my credit. They threatened me and told me " if I didn't pay this account they would send the account to the credit bureaus. ''
|
| 05/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
in accordance with the Fair Credit Reporting act Merchant Adj XXXX account number ( s ) : XXXX, and XXXX. Has violated my rights.
15 U.S.C 1681 section 602A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without written instructions.
|
| 01/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
this is my 2nd set of letters that i had sent to MERCHANT ADJUSTMENT SERVICE, INC concerning alleged debts of ( XXXX and XXXX ) .I sent the 1st set of letters off on XX/XX/2020, and the last on XXXX.neither letters that i have sent no one has responded and this a violation of the law.I am attaching copies of the letters below.
|
| 05/02/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with fair credit reporting act convergent account # XXXX XXXXt # - XXXX XXXX XXXX # Has violated my right.
15 u.s.c 1681 section 602 A. States I have right to privacy.
15 u.s.c 1681 section 604 A section 2 : it's also state a consumer reporting agency can not furnish account with out my written instructions.
|
| 11/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a debt validation letter to the company merchants adjustments service on XX/XX/2021, and sent another letter on XX/XX/2021 for failure to respond and failure to validate they then finally respond by violating my HIPPA RIGHTS!!!! By sending me amounts owed and also what I had done on those specific dates!!!!
|
| 07/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC my second letter regarding the alleged debts of {$100.00} and {$150.00} that i don't owe. i haven't received anything from the last letters as well from XX/XX/2021 XXXX # XXXX XXXX XXXX XXXX XXXX. I would like for it to be delete it from my credit report.
|
| 05/06/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I canceled my insurance with XXXX insurance in a timely manner so I will not be charged. I went with another company. Which is XXXX. I attached documents showing that I had insurance with XXXX. I shouldnt have a debt in collections with XXXX insurance. By law a driver can only have one form of car insurance.
|
| 11/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I notified Merchant Adjustment Service of the identity theft and resulting debt in my name. MAS refused to address the issue and remove the debt from my credit report. I provided a copy of my identity documents and FTC Identity Theft Affidavit. MAS has still refused to remove the debt from my credit report.
|
| 07/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This creditor is stating that I owe a local hospital {$50.00}. Something that I sent notarized paperwork in to dispute and that was removed from my credit. I filed an FTC report and I also have filed a police report. This is not my debt and I demand it be removed from my credit immediately and permanently.
|
| 01/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Back in XX/XX/XXXX, I became very ill with the XXXX. I went to XXXX XXXX because I couldn't XXXX XXXX XXXX XXXX. I gave the hospital all my insurance and billing information. I never heard about me having any type of balance till XX/XX/XXXXafter running my credit for a home. The balance is {$230.00}.
|
| 11/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/2018 amount XXXX.
Merchants adjustment services is holding me accountable for a debt I've never heard of XXXX XXXX XXXX, I've disputed this action, but they still accuses me on my XXXX report, but no other credit agency has this on theirs, please remove this fraud of my account, thanks
|
| 06/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Here another debt collector I am not aware of, I do not have a contract with the collection company or anything type of agreement, can understand why company are so easy to pull collection on consumer credit report. It also looks fradrulant trying to collect on a non-existent account.
|
| 08/14/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
i have sent complaints to these debt collectors on XX/XX/2020 and they haven't respond or marked it as disputed, so they have violated the law and i will turn this over to my attorney.I requesting that these accounts be deleted from my report.i have attach copies of the letters below
|
| 08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My credit report from XXXX is showing I have debt of a credit card that I owe to XXXX and a balance of {$7200.00} Opened on XX/XX/XXXX, with is fraud and also showing late payments. XXXX is reporting Merchants Adjustments showing I owe {$580.00} Opened on XX/XX/XXXX, which is fraud.
|
| 01/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Never received a call back after calling the number on credit report. This debt is from XXXX I have insurance and the secondary covered what my insurance XXXX didnt cover so Im not sure why Im being billed for amounts insurance already covered there agreed upon amounts.
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
there is a company by the name of XXXX XXXX stating i owe then for account that i never had that was XXXX XXXX amount XXXX XXXX XXXX XXXX XX/XX/XXXX another account that is fraud XXXX XXXX XX/XX/XXXX amount is XXXX and XXXX XXXX XX/XX/XXXX amount XXXX
|
| 09/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I SENT A LETTER TO MERCHANT ADJUSTMENT SERVICES, INC ON XX/XX/2020 ABOUT AN ALLEGED DEBT OF XXXX $ THAT I DO NOT OWE, I ALSO REQUESTED INFORMATION ABOUT THE VALIDITY OF THE ALLEGED DEBT THAT I HAVE NOT RECIEVED.I HAVE ATTACHED A COPY BELOW OF THE LETTER
|
| 09/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
|
| 11/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
An account appears twice on my XXXX report. I did not receive a 5 day notice as by law according to the F.C.R.A. which didn't allow me to let this company know I would dispute. This company is not licensed to collect in the state of Florida either.
|
| 12/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
This company is stating that i owe a debt to them. Which I DO NOT. I have filed a ftc and police report now I will move to filing for defamation of character. I will be filing a civil and law suit for the trouble both companies have caused.
|
| 02/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Checked credit and saw an account from Merchants Adjustment Service for XXXX XXXX XXXX in the amount of {$120.00}. I never received any correspondence about this debt. I was a homeless vagrant for a few years with no medical insurance
|
| 10/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company sent information to my credit ( 3rd party debt collector ) and never contacted me about that specific debt. I've had trouble with them before and they couldn't verify information fully and stopped responding
|
| 12/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX reported on XX/XX/2020 COLLECTION AGENCY ; MERCHANTS ADJUSTMENT SERVICE, XXXX XXXX XXXX XXXX, XXXX AL XXXX ; ORIGINAL CREDITOR IS XXXX XXXX XXXX, {$430.00} THE CONTRACT RELATED TO THIS ACCOUNT HAS BEEN CANCELLED!
|
| 01/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
While look at my credit report on XX/XX/2020, I discovered that there is an inaccuracy with the credit bureaus. I have filed a report with the federal bureau and the company, but it has not been removed.
|
| 06/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a validation letter to Merchants Adjustment Service on XX/XX/2018 and they did not verify the debt. Merchant Adjustment Service sent me the letter as verification of debt, which is not valid.
|
| 04/20/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
MAS telephoned a neighbor of mine regarding an old medical debt that my daughter has. It is not even my debt. I believe this is completely illegal. The representative from MAS was a XXXX XXXX.
|
| 08/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Did not receive notice of the collection of this debt, nor did I receive any notice of being able to dispute this debt. This debt is showing as a negative remark on my credit report.
|
| 05/13/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company continues to try to collect a medical debt that was covered by my health insurer. I have not seen evidence where they filed or sent me a bill to cover their charges.
|
| 12/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never mailed anything that stated I could dispute my credit. The company only sent me letters that stated what I owed them without showing proof that I owed the debt.
|
| 02/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XXXX XXXX XXXX sold my account to merchants adjustments servants. This is a violation of Hippa laws and my medical information shouldnt have been released to a third party.
|
| 12/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 10/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 10/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 10/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
|
| 10/25/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently pulled my credit report and discovered that this company has reported that I owe them a debt
|
| 12/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I didnt authorize anyone to share my personal medical information. This is against the HIPPA law.
|
| 09/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have already disputed this and won but they didn't remove it from all 3 credit bureaus.
|
| 10/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
i have a collection and was not notified to delete collection.
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have no knowledge of this account
|
| 04/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This is not my account
|
| 04/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This is not my account
|
| 02/08/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 01/08/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/15/2023 |
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
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 03/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 02/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 11/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/26/2022 |
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
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/01/2022 |
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
|
|
Phone |
|
|
|
| 04/26/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/21/2022 |
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
|
|
Web |
|
|
|
| 12/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/16/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 05/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
|
| 12/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/15/2020 |
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
|
|
Web |
|
|
|
| 12/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 06/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 06/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 05/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 04/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/23/2019 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 04/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 04/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 08/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/20/2018 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 06/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 06/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/02/2018 |
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
|
|
Postal mail |
|
|
|
| 02/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 01/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/31/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/31/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/05/2016 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 08/21/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 07/06/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 05/19/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
|
| 04/13/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 01/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 05/17/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 02/21/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|