Merchants and Medical Credit Corporation, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web	Servicemember
This is not a duplicate I received inaccurate information yet again and I have included all communication- the company will not validate the debt nor are they in compliance with the FCRA and or any of the UCC laws that protect my rights. By : XXXX : XXXX. Beneficiary All Right Reserved Without Prejudice UCC1-308 Response to Frivolous Accusation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that this is my 2nd / THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them. XXXX XXXX XXXX XXXX XXXX XXXX defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ). It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages. Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you send me copies of the documents you used to verify the following- Provide Physical Proof of Verification because I have asked 3 times for my wet signature as well as a contract and proof that you have the right to do business in the state of Georgia . This is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or other instrument bearing my wet signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide all following information : 1. Please provide evidence of your authorization under 15 USC 1692e and 15 USC 1692f in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please provide evidence of your authorization to do business in my state. 5. Please provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 15 days from receipt of this 3rd notice to respond. Your failure to respond, on point in writing, hand signed, and in timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it For the purpose of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. I am also sending this certified to the FTC XXXXall 3 credit reporting agencies as well as CFPB in Response to your Frivolous Accusation- I have also included the information you have provided as validation of the debt which is in your words you believe this to be my debt when I have proved and provided information to show you where I have resided for the past 5 years.
01/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48504	Web
I was appointed as a stand in representation for XXXX XXXX for a criminal case that resulted in his incarceration. On XX/XX/XXXX, I was asked to pursue legal representation for XXXX XXXX by his immediate family. In keeping with that, I consulted attorney XXXX XXXX 's office about retaining legal services for XXXX XXXX. On XX/XX/XXXX, XXXX XXXX 's office was retained, with the agreement that once XXXX XXXX was released, he would stand in agreement for his own criminal actions and all financial liability associated with the case, and thus he did. On or about XX/XX/XXXX XXXX XXXX was released and scheduled to meet with attorney XXXX. At that time, all legal responsibilities and agreements were signed and delivered solely to XXXX XXXX. On or about XX/XX/XXXX, I received a call from a debt collector ( M & M Collections XXXX XXXX XXXX XXXX XXXX, MI XXXX ), requesting payment for a delinquent sum of {$4300.00} be paid in full. I was completely oblivious to the sum of this amount and then the representative informed me that the amount reflects balances owed for legal services rendered by XXXX XXXX for XXXX XXXX. I informed the representative that these fees are in fact those of XXXX XXXX and that I've never been represented by XXXX XXXX. I contacted the office of XXXX XXXX to discuss as to why I'm being held liable for the outstanding balance of {$4300.00}, and his secretary, XXXX XXXX informed me that this was because of the " Engagement Agreement '' I signed on XX/XX/XXXX. I informed XXXX, that XXXX signed an " Engagement Agreement '' on or after XX/XX/XXXX after he was released from jail and that the previous agreement was supposed to be destroyed by their office. She then took my phone number stated she would return my call, and never did. I called back countless times, only to get the voicemail of the office, leaving messages with noone to return my calls. After weeks of calling the office, I again set out to speak to someone pertaining to this mix up and the false reporting of a {$4300.00} delinquent payment to a collection agency. When I got XXXX, on the phone this time, she informed me that she would look into their collection and office files for said documents and then return my call, still noone had returned my calls. On XX/XX/XXXX, I went down to XXXX XXXX 's office located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX, to further discuss this error. Upon arrival I was met by XXXX, and explained my concerns for improperly reporting a delinquent balance to a collection agency in the amount of {$4300.00}. She then attempts to look through her computer as to search for the missing document ( s ) in question. I reiterated our initial contact on XX/XX/XXXX and our contact again on XX/XX/XXXX after XXXX was released and scheduled a office visit with attorney XXXX, when the transfer of liability was signed, and another payment was made by XXXX XXXX, she of course was clueless to either of those encounters. I then attempted to refresh her lackadaisical memory, as she nonchalantly scrolled through her computer files in search of said document ( s ). She then replied, " I don't see it in my office or collection files, and asked, do I have a copy. I informed her why would I have a copy of a document that does not pertain to me. I then quickly interjected that the form with my signature ( from initial contact on XX/XX/XXXX ) was supposed to be destroyed and the new document signed into effect on or about XX/XX/XXXX should be enforced. Again, she looks to me and says she doesn't see it in her system, which can easily be manipulated by deletion. I then asked her for a copy of all the paperwork she had on file, but she declined to oblige as she could only give me documents with my name on them, which would only be the initial engagement agreement, which is null and void. It also bothers me that I don't have access to information pertaining the case, but this office seeks repayment of delinquent payments assigned to me, very unethical practices at this firm. To further speak on this firms unethical practices, many people/clients ( both known and unknown ) who have used their services, are in agreement that the Law Offices of XXXX XXXX XXXX XXXX than professional. XXXX XXXX, assured me that the original agreement would be destroyed when myself and XXXX XXXX left that office on or about XX/XX/XXXX. As I can see it, this is a disgraceful attempt to hold someone accountable for an unpaid debt by malicious use of false documentation and unethical practices. I do not have a copy of the resigned document initiated on or about XX/XX/XXXX, I didn't even know this debt had been maliciously added to my credit profile until as of recently. I do not know the whereabouts of XXXX XXXX as he skipped state on all of his responsibilities at both local and state levels. I've only made two payments to the office, one was an initial payment for {$1000.00} dated XX/XX/XXXX and one subsequent payment for {$500.00} dated XX/XX/XXXX, these funds were sent to me by his elder brother who lives in XXXX, Illinois to retain legal representation for XXXX XXXX, thus after being released ( on or after XX/XX/XXXX ) XXXX would then take full responsibility for his affairs, thus we did. All payment records after initial deposit payment of {$1500.00}, will reflect sole ownership of debt paid and invoiced by/to XXXX XXXX XXXX
09/21/2021	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 Problem with personal statement of dispute	MI 48047	Web
THIS IS NOT A DUPLICATE COMPLAINT. An complaint was filed with CFPB # XXXX where I provided the following explanation 1. According to the Fair Debt Collection Practice Act section 15 USC 1692e I as a consumer have the right to not be violated by the communicating of any credit information that is known or should be known to be false. ( Communication is described as any contact directly or indirectly through ANY mediums to the consumer ) XXXX credit reporting agencies ). There is no proof nor validation of this debt. Therefore, it SHOULD be known to be false in accordance with the above. In addition, I have never been presented with any affidavit that would provide validity to neither you nor the alleged debt collectors assessment. 2. According to the Fair Debt Collection Practice Act section 15 USC 1692e the said debt collector must not use any false nor deceptive/misleading representation. This includes but is not limited to the use of any business, company, or organization name other than the TRUE NAME of the debt collectors business, company or organization. This alleged debt has not been validated nor represented by the original creditor. Exhibit 1 serves to be an example. If these alleged debts were indeed soldWhere is the proof of the alleged debtors approval? This too is a violation of consumer rights pursuant to 15 USC 1692d ( 4 ). 3. According to the Fair Debt Collection Practice Act I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there has been alleged debts published without my permission; using my name and personal information by which to do so. This is considered identity theft under the law. 4. According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this false information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right. It has sabotaged both my name and my creditability. 5. Pursuant to 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card pursuant to 15 USC 1602 ( l ) is any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Hence, my social security card. In fact, my social security card with its attached number would have had to be used to transact any of the alleged debts listed. Therefore, pursuant to the above, this is a violation of my rights as a federally protected consumer. 6. Pursuant to 15 USC 1692e ( 1 ) the debt collector may not use any false or misleading representation OR implication that that the debt collector is vouched for. See company 's response to complaint as proof. M & M credit falsely accused me the consumer of paying an alleged debt that I did not pay and nor do I owe in an attempt to prove that the alleged debt is true, when reported to the CFPB. Is this not implying that the debt is vouched for? I do not owe the alleged debt and nor did I at any time pay the alleged debt. This is falsification. 7. Pursuant to 15 USC 1692e ( 2 ) the may not use any false or misleading representation in regards to any services rendered. M & M CREDIT responded ( ( ( We received this account on XX/XX/XXXX and sent our first notice to the consumer on XX/XX/XXXX. We did not report the DEBT to the credit bureaus until XX/XX/XXXX. We were informed by our client on XX/XX/XXXX that a payment had been made and we reported the payment on our next report to the credit bureaus. There has been no written request for validation of this account. We will remove this account altogether from the credit bureaus on our next report to the credit bureau ) ) ) The above rebut is false information. M & M alleges that the debt was paid. I am demanding proof of this said payment and a certified copy of the form of payment used to do so. 8. Pursuant to 15 USC 1692b ( 2 ) a debt collector must not state that the consumer owes a debt. M & M Credit not only communicated that I owed a debt but also communicated it through a medium ( CFPB ) and not DIRECTLY and solely to me the consumer pursuant to the above. Also M & M provided false information which is also a violation of my rights pursuant to 15 USC 1692d ( 4 ) stating that I made a payment on 8/26. I am now demanding XXXX. XXXX upon receipt of invoice related to 8 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS UNDER 15 USC 1681 & 1692. UNLESS you are able to furnish all information asked for.
07/12/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AL 35216	Web
File No. : Account No. : # XXXXM & M Credit , # XXXX XXXX { also to include any other accounts in my name } Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXXXXXXXXXX Dear Sir /Madam, This letter dated XXXX XXXX, XXXX is to notify you, your company claiming ownership of this alleged loan, note and or Debt. That I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender, XXXX XXXX / Hospital and Etc.,. ) is mandated under " FDCPA '' to cease and desist ALL collection activity until validation of the original note is provided. This letter requests VALIDATION of the alleged debt accompanied by an Affidavit from the Alleged Lender. Please provide the following : 1.Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains. 3. Provide details how the alleged debt was calculated. ( XXXX v. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XXXX XXXX. 4. Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ) 5. Provide copies of any papers that show that I agreed to pay the alleged debt. 6. Identify the original creditor. 7. Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ). 8. Provide evidence that the Statute of Limitations has not expired on this account. 9. Provide evidence that you are licensed to collect in my state. 10. Provide your license numbers and the Alleged Lender 's Registered Agent. Please provide the above information within five ( 5 ) business days from the postmark date or email date to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Email : XXXXXXXXXXXX Sincerely, XXXX XXXX LETTER TO ALL XXXX CREDIT BUREAUS XXXX, XXXX, XXXX XX/XX/XXXX Re : According to the FAIR CREDIT ACT PLEASE ADHERE. Please address ALL XXXX issues below. Thank You 1. Please remove these XXXX accounts completely from my NEGITIVE ACCOUNTS [ also any others you still have. I have addressed ALL on my reports before ] from my credit report [ M & M and XXXX ]. Each of the XXXX has removed XXXX but not the other. So that ALL three have the same information to remove. I have enclosed or attached a copy of my second and final request to each credit agency and primary alleged debt owner. M & M CREDIT # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1100.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$1100.00} Original Creditor : XXXX XXXX XXXX XXXX ( Medical/Health Care ) Past Due : XXXX {$1100.00} XXXX ; Pay Status : XXXX In Collection XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR XXXX PLACED FOR COLLECTION XXXX ; Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX {$240.00} XXXX/XXXX/XXXX {$240.00} CHARGE-OFF XXXX XXXX XXXX XXXX , XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : CHARGE-OFF 2.inquires. Please Delete ALL HARD INQUIRES THAT HAVE AN EFFECT ON MY CREDIT SCORE. " In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the BELOW address. If your investigation determines the inquiry was authori
07/16/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48446	Web
I am writing to file a complaint against Merchants and Medical Credit Corp., Inc. for threatening to add an unverified ill-legitimate debt to my credit report and then acting on their threat, damaging my credit. On XXXX I received a notice of their intent to collect on a debt for the original creditor XXXX XXXX XXXX, XXXX. I followed the instructions to dispute the debt and contacted them in writing by Certified Mail telling them that I disputed the entire debt. I called Merchants and Medical Credit Corp.on XXXX after receiving the documents pertaining to their collection efforts. I spoke to " XXXX XXXX '' ( the name she gave me ) between XXXX and XXXX. She told me that I did owe this debt and proceeded to tell me how it was that I owed this debt. I could tell she was getting upset when I was adamant that I didn't owe the debt. I told her that I had a document that proves that I don't owe the debt. She told me that she didn't care what I had. I asked for receipts for the damage repairs. She told me she didn't care what I wanted. She told me that they had done what they are supposed to do and she was putting it on my credit report and hung up on me. At the beginning of our conversation she informed me that our conversation was being recorded so this can be substantiated by their own recording. She did put this on my credit report. She also put that it was FCRA compliant. They did not attempt to validate the debt and they would not accept my proof that it was an invalid debt. This was a Landlord-Tennant dispute. This has already been settled in a court of law. I have a copy of the Judgement for " Possession Only '' to XXXX XXXX XXXX XXXX, no money judgement at all, and the case has been closed since XXXX. In addition, the documents they are trying to collect on aren't even legal or correct. They are trying to collect on an un-dated " Itemized Security Deposit Deduction '' form in which the last line states : " After totaling all charges lawfully assessed against your security deposit, a deduction of {$220.00}, a balance remains in the amount of {$1500.00}, a check or money order for the remaining balance is enclosed. By cashing the check or money order you agree to the above amount. '' This wording states that the XXXX XXXX XXXX owes me money back from my deposit and are sending me a check or money order for {$1500.00}. Not demanding a debt of {$1500.00}. Even without my Judgement proof, common sense dictates that this is not even a debt, let alone a legitimate debt. Clearly Merchants and Medical can read on their own that this describes a credit due to me, not a debt owed to XXXX XXXX. I am also filing a separate complaint against XXXX XXXX XXXX, XXXX for fabricating charges and furnishing this as a debt to Merchants and Medical Credit Corp. for collection purposes, knowing this is not a legitimate debt. Having Merchants and Medical Credit Corp put this as a collections debt on my credit report has been/will be costly for me. I believe it was put on with malice and intent to damage my credit due to the conversation with the Merchants and Medical Credit Corp representative. This should be corrected immediately before any more damage is done to my credit. I have uploaded all documents sent to me by Merchants and Medical Credit Corp., Inc. Thank you, XXXX XXXX Debt Collector : Merchants and Medical Credit Corp. Inc. XXXX XXXX XXXX , XXXX, MI XXXX Local # ( XXXX ) XXXX Toll-Free # ( XXXX ) XXXX Reference No : XXXX Disputed Amount : {$1500.00}
01/11/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MI 48235	Web	Servicemember
Male callers from Merchants and Medical Corporation have been calling my father, who is recovering from XXXX, in regards to a debt they claim he owes to XXXX XXXX. He has never received an invoice stating the debt was owed or to be collected, neither from XXXX or the debt collection agency. The 1st call came XX/XX/2016 and my dad apparently told the guy to call back when I got home from work because he does n't handle the bills due to his condition. This guy called back ( ca n't recall his name at the moment, maybe XXXX or XXXX ) but when I asked about information regarding the call and the debt, the male caller became irate with me because I would n't agree to provide my father 's debit card information over the phone. He agreed to send an itemized invoice so we could confirm the service ( he would not provide a specific date for the alleged service ). He was very rude with me. We never receive an invoice. Last night ( about XXXX ) our house phone rings with a number we do n't recognize. A man named XXXX asks for my father and does not repeat where he 's calling from but insists that he speaks with my father. I give my father the phone and due to the volume being turned up for my father 's hearing I can hear XXXX 's loud voice telling my father he owes a debt for over {$1000.00} and my father gets upset and says " What?? '' Being XXXX patient, he does not need to be surprised, alarmed, etc So I took the phone from him and politely said hello and XXXX with an attitude says " Who am I speaking with NOW? '' I say it 's XXXX again and he asks my relation to my dad and I explain why I am taking the call. He says he can see on the file that i am authorized to handle this matter and asked for me to remit payment over the phone for the debt. I told him about the last phone call and how we never received the itemized invoice that was requested and that I again did not feel comfortable supplying my dad 's card information over the phone. I asked for contact/call-back information for the company and was denied and also denied permission to speak with a supervisor. XXXX started talking over me when I said I was n't giving the card info until we received the invoice and said they already sent one and would not be sending another. He continued to yell about what would happen if I did not remit payment and I yelled back that I would not be threatened and my father would not be threatened and legal action would be taken if the harassment would not stop. He continued to yell at me so I hung up the phone. I called the number back 20 minutes later to see if I could connect with a supervisor or identify the company ( I was not given the debt collection agency 's name prior to the callback and speaking with the supervisor ) I spoke with a young lady XXXX XXXX and informed her of what just happened and asked to speak with a supervisor. She incorrectly identified me as another person which was strange, and upon speaking with the supervisor XXXX XXXX she admitted that there was incorrect information on the file and the invoice was sent to another address on our street which now leads me to further believe this is not our debt and from previously being serviced by XXXX, they mixed my dad 's contact info with another patient on our street. I suggested that XXXX look into this employee XXXX and his tactics and she just kept saying she 'd listen to the recordings. No apologies were offered or anything additional as far as reprimands etc.
11/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 446XX	Web
In XXXX of XXXX I first noticed a fraudulent account appearing on my XX/XX/XXXXcredit report. This fraudulent account originated with XXXX XX/XX/XXXXand had already been sent to Merchant 's & Medical for debt collection for {$250.00}. I disputed this through XX/XX/XXXXon or before XX/XX/XXXX and was unsuccessful in having anything changed and received no useful feedback other than the fact that nothing changed. I contacted XXXX XX/XX/XXXXdirectly and was informed I could only work with Merchants & Medical. I contacted Merchants in XX/XX/XXXX, received their fraud paperwork on XX/XX/XXXX, and mailed this information back to them on XX/XX/XXXX. I received their follow-up dated XX/XX/XXXX stating they can not verify that this is fraud. Their follow-up included the original XXXX account agreement which appeared to have a multitude of problems : An address in XXXX which does not appear to exist, a signature that does not match mine, a handwritten date next to the signature that anyone who knows me would know is not my writing ( I make an 8 with two circle for some odd reason ), a different handwritten date on the second page that also does not match my writing ( I never use cursive except for my signature, so I would never have written a cursive XXXX XXXX. I had no recourse other than going back directly to XXXX. In XXXX of XXXX I mailed a notarized letter to XXXX explaining the fraudulent account, asked a series of questions intended to help me prove my lack of involvement with this account, and also included a police report. I assumed that this letter had not been acted upon based on COVID closures, and did not follow up until XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX, explained the situation again, and was told I would be mailed fraud paperwork that I should receive in two weeks. I explicitly asked if my letter had been received and XXXX declined to answer that question. I called XXXX again on XX/XX/XXXX after having not received their fraud paperwork. They again told me I would received fraud paperwork in a few weeks, and again refused to confirm or deny that my letter and paperwork had been received. I tried asking detailed questions about this account in order to help myself, but was now being told they couldn't tell me anything since it wasn't really my account. So now I'm stuck with a fraudulent debt collection on my credit report and absolutely no recourse and no ability to help XXXX connect the dots because they can't ( or don't want to ) answer any of my questions regarding the account that was opened with my SS #. On XX/XX/XXXX I called XXXX yet again after still not receiving any paperwork. This time I asked how I was supposed to help clear this up if XXXX refused to cooperate. I questioned if I should simply contact the CFPB, and I was quickly disconnected. I will be submitting the letter that I sent to XXXX back in XXXX of XXXX. As this letter indicates, I live nowhere near any XX/XX/XXXXlocation, assuming this account was opened in person I can have my employer attest to my presence at work in Ohio on the day the account was opened, and most importantly, this debt is simply not consistent with any other activity in the full history of my credit report. I don't know where else to turn. Merchants simply wants paid and has no incentive to investigate, XXXX is clearly not interested in helping, and the XX/XX/XXXX" investigation '' took less time than I'm taking submitting this complaint. Please help.
12/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web
Dear Agency : I am in receipt of your attached offer, as mentioned above, however I do not understand how the charges listed were processed. I believe that your agency accepted debts that were potentially inaccurate, lacking documentation, or unenforceable. I would be more than happy to settle this matter if your agency send a true bill, verifying the debt. I conditionally accept your offer, as mentioned above, upon verifiable proof that your offer is not to, threaten and deceive consumer, to collect a debt that you know, or should have known, is inaccurate or can not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. I conditionally accept your offer, as mentioned above, upon verifiable proof that your offer is not an illegal and obnoxious debt collection practice. I conditionally accept your offer, as mentioned above, upon verifiable proof that your agency can file any lawsuit against consumer without having the intent to prove the debt. I conditionally accept your offer, as mentioned above, upon verifiable proof that your agencys practices does not violate the Fair Debt Collection Practices Act, the Dodd-Frank Wall Street Reform, and Consumer Protection Act. I conditionally accept your offer, as mentioned above, upon verifiable proof of balances, interest rates, and payment due dates. I conditionally accept your offer, as mentioned above, upon verifiable proof of accounting and transactions. I conditionally accept your offer, as mentioned above, upon verifiable proof that your agency conducted any investigation to determine whether the debt is accurate and enforceable. I conditionally accept your offer, as mentioned above, upon verifiable proof that the debt is owed and accurate. I conditionally accept your offer, as mentioned above, upon verifiable proof of legal documents to prove that you are legally authorized to collect. I conditionally accept your offer, as mentioned above, upon verifiable proof of a signed contract showing the terms about the debt. I conditionally accept your offer, as mentioned above, upon verifiable proof of WHO owns the debt/or has been assigned the debt. I conditionally accept your offer, as mentioned above, upon verifiable proof of a copy of a True Bill in Commerce. I conditionally accept your offer, as mentioned above, upon verifiable proof of a complete payment history, starting with the original creditor. I conditionally accept your offer, as mentioned above, upon verifiable proof of a Certified and True Copy of the original signed agreement or application. I do not consent to your agency assigning disputed debts to law firms and third-party debt collectors without informing them that the debt is disputed. I do not consent to your agency contacting consumer with the intent to annoy, abuse, or harass consumer into paying. Your agency is prohibited from reselling any debts associated with the above matter, to protect consumer from the potential harm that results when debt collectors continue to sell and resell debts that may be inaccurate or lack the business records and information needed to collect them. If your agency attempt to collect on debts by suing consumer in court, please take notice that the consumer will file this CONDITIONAL ACCEPTANCE UPON VERIFIABLE PROOF OF CLAIM.
03/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN XXXXX	Web
I have previously submitted a dispute with Merchants & Medical on XX/XX/XXXX in regards to an unidentifiable collection account on my CR. In the letter sent prior to the dispute with CFPB I requested VALIDATION of the debt I owe sent back in 30 days or delete it from my CR ; validation was never provided. On XX/XX/XXXX I submitted and complaint with miscellaneous evidence pleading my case, and the company showed no effort or compassion even with proof. They still failed to validate this unidentifiable debt. On XX/XX/XXXX I requested you allow me to validate the alleged debt. Show me evidence that I owe this debt, for example, signed contract and Identification Card. SENDING A BILL IS NOT ADEQUATE PROOF, TO A VICTIM OF IDENTITY THEFT. If you are reporting the debt the company should be able to provide proof that I owe 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. From my complaint submitted on XX/XX/XXXX this company responded : This is the third CFPB complaint concerning this debtor. We have sent validation to the consumer showing that this debt is for the XX/XX/XXXX Spring/Summer Term. On the attachment to the consumer 's complaint it shows the consumer claims her wallet was stolen XX/XX/XXXX. This was after the debt in question was incurred. Again we state that the consumer has shown us no evidence that this debt is not valid. 1. It does not matter how many times I complain ( more then 3 ), this debt does not belong to me and I am not going to just let the matter go on as if it does. 2. They never showed me any VALIDATION, they sent a bill that both myself and the credit bureaus alerted them about my Identity Theft situation. As allowed under the Fair Debt Collection Practices Act ( FDCPA ), I have requested numerous occasions that you allow me to validate the alleged debt by providing me with the following : a. What the monetary means you say I owe is for? b. Explain and show me how you calculated what you say I owe. c. Provide me with copies of any papers that show I agreed to pay what you say I owe. ( BY PROVIDING MY SIGNATURE ) d. Provide a verification or copy of any judgment if applicable. e. Identify the original creditor. f. Prove the Statute of Limitations has not expired on this account. g. Show me that you are licensed to collect in my state. Because they have failed to do so they have violated the Fair Debt Collection Practices Act ( FDCPA ) Just sending a bill does not hold much proof, they have failed to prove that this debt belongs to me. They are having such a hard time providing me what I am asking because this debt is not mines, but you are still reporting on my Credit Report which violates the Fair Debt Collection Practices Act. I have included : 1. My Transcript ( Which shows Spring Term XX/XX/XXXXXXXX XXXX University, the incidence happened in Michigan ; it is not possible to be 2 places at once. ) 2. UPDATED copy of my Identity Theft Report made though the Federal Trade Commission **The Federal Trade Commission is now investigating, and you will be contacted by my lawyer if this matter is not resolved.
10/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30071	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX Merchants and medical Credit Corporation , inc . XXXX XXXX XXXX XXXX MI XXXX XXXX : Collection account # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On November 12, 1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the October 30, 1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in XXXX XXXX.
11/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48439	Web
I am writing this complaint because I believe my consumer rights have been violated. Upon reviewing my credit report I noticed Merchants & Medical was reporting 3 alleged debts that I did not give them permission to report. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) infringed Upon a Consumers Right to Privacy. I did not give this company permission to share my private information with any credit reporting agencies. They violated FDCPA 15 USC 1692c ( b ) I sent Merchants and Medical a certified letter on XX/XX/2021, according to tracking information they received on XX/XX/2021. In my communication with them, I demanded they send me 3 things Validation of the debt - that is the actual accounting. Verification of the claim against me ; that is, a signed invoice. A copy of the contract binding both parties ( Merchants & Medical and myself ), in a letter by certified mail so that there is an independent witness to having been delivered. I received their response 5 days later stating that the debts were already validated and that their duties were fulfilled. They also sent me a copy of a medical procedure Type summary & transcript of medical procedures which is NOT Validation. According to Federal rules of evidence, Rule 1002. Proper evidence means Requirement of the Original its defined as - An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise. The medical procedure Type summary & transcript of medical procedures they sent me is a violation of HIPAA - infringing on a consumer 's right to privacy. I have never signed a HIPAA release form to release my private medical records to Merchants & Medical which makes this a HIPAA violation. HIPAA protects my privacy and medical records from being used without my consent. So they violated 42 USC 1320d-9 ( b ) ( 3 ). No consent means identity theft! They also violated 15 USC 1692B ( 5 ) by using the phrase, This is an attempt to collect a debt and any information obtained will be used for that purpose. In my communication with Merchants & medical dated XX/XX/2021 I gave this collection company clear instructions to properly validate this debt, send me a list of all parties their company has shared my information with, also a cease and desist in which they ignored and failed to comply with which is a violation of 15 USC 1692c ( c ) so I'm submitting my complaint also demanding the accounts be removed within ( 7 ) days as well as seeking remedy in monetary relief for the emotional damage and physical anxiety, this has caused me. I also hereby reserve my right to take private civil action against Merchants & Medical to recover damages.
12/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 75234	Web
My previous employer was XXXX XXXX in XXXX XXXX, XXXX, and I was gired as a XXXX. I awent to a training course with them for 3 months. They told us that I could make good money but I found out if Im on the bottom of seniority then I would have to work in the XXXX as a XXXX XXXX XXXX earning only XXXX dollars per hour. Also, thier employees are very agressive therefore I didnt like that environment, so I left the job on XX/XX/XXXX. They told me that I have to pay them XXXX thousands dollars for the course I went through with them, I accepted, but they told me that another agency gon na call me later for that. I waited for 1 month, noone called me, So I called the human recourse manager and thier head quater office about the issue, they told me that they have no information about it, therefore I thought they forgive me and not pursuing collecting the XXXX grands anymore. Approximately around XX/XX/XXXX a human resource manager from XXXX XXXX in XXXX called me and asked me to pay of the debt within 30 days and asked me if I receive any letter from them, I said No, I didnt receive and I moved to XXXX XXXX, XXXX for new employer I was shocked because I wasnt prepare for it, how could I come up XXXX grands within a month, so I negotiated with her that if I could make monthly payments ; she said ok and transfer my case through a debt collection agency. She didn tell me if I go through this debt collection agency then it would hurt my credit score ; And i have been trying to reach out to her to ask her for the debt collection agency so I could start making payments but she seem like postponing and procrastinate, and seem like she didnt care about my credit score. Three months later after May she finally give me the phone number for debt collection agency and I started making payment at the end of each month since XX/XX/XXXX, I set up automatic payment so they can just take money out from my checking account. I have been making payments on time. But the true problem is they reported faulsely that i was late because they sent a letter to my house in XXXX, I didnt receive it and I have been reaching out to them right after I qut the job, they caught me off guard and unexpectedly out of no where and demanded for XXXX. Also on XX/XX/XXXX they should have taken money out feon my bank at the end of the month but it came out on the XXXX of XXXX instead, I called the agency and told me that it would take server days for it to be processed, but when I called XXXX and XXXX, they said these things would hurt my credit score badly, I have never missed any payments in my entire life and now this XXXX XXXX and Merchant medical Devt collection agency hurt my credit score badly. Please help me take off this bad name debt collection off from the 3 major credit bereaus. Thank you. The following are thier phone numbers : 1 ) XXXX XXXX, the human resourse manager named XXXX ( XXXX ) XXXX 2 ) Meechant Medical Debt Collection Agency phone number ( XXXX ) XXXX
04/04/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 485XX	Web
In XXXX, I contacted XXXX XXXX XXXX about a claim that was denied and this {$1100.00} bill for the doctor who nearly killed me due to his ADMITTED medical negligence. XXXX XXXX had sent me an email about how to clear medical debt and I figured I would ask XXXX XXXX XXXX about the charge. In the investigating with the agent on the phone, it was found that not only did this doctor not know how to perform a simple XXXX without nearly killing a patient but his office does not know how to bill properly. XXXX XXXX XXXX sent the bill for {$1100.00} back because it was not coded that this was an emergency XXXX. Instead of resubmitting, the doctors office sent it to collections. I had planned on leaving it there to rot. You do not get to leave me with lifelong issues and nearly make my child an orphan AND get a dime out of me. The agent from XXXX XXXX XXXX called Merchants and Medical ( M & M- the collection agency ) stated we were working on a resolution and investigation with this bill. The M & M ( collection agency ) agent on the phone tried to bypass the XXXX XXXX XXXX agent on the phone and harass me into paying the bill on the spot. This is in call logs with XXXX XXXX XXXX. The agent KNEW we were on a 3 way call with XXXX XXXX XXXX trying to verify the debt and instead of veryifing or providing any information, she ( M & M agent ) tried to force me into paying the debt asking " Well what are YOU going to do about it? IT IS YOUR RESPONSIBILITY. '' The XXXX XXXX XXXX agent spoke up and said the M & M agent was again on a 3way call with me and insurance to get information on the debt. XXXX XXXX XXXX submitted the information higher in order to research the claim and work on paying the {$1100.00}. I was told to call back in a week to check on the status. I called back 10 days later only to find out that the collection agency had also called. I was advised to file a grievance about this bill with XXXX XXXX XXXX and I can file a Care Complaint, which I did. In that time, M & M decided sending this to a lawyer was their solution. There has NEVER been an explanation of services sent to me. There has never been a verification of debt sent to me. Not only did this doctor fail to perform the XXXX properly by XXXX XXXX XXXX XXXX XXXX XXXX XXXX after the XXXX XXXX XXXX but they can not seem to bill properly either. XXXX XXXX XXXX advised me to complete a grievance and a complaint about this doctor which I have. Once that was started, a letter from a lawyer for XXXX XXXX and XXXX XXXX XXXX arrived. This doctor and office has continuously been negligent, retalitory, and harassed me for the last 3 years. The claim for the {$1100.00} was paid by XXXX XXXX XXXX on XX/XX/22. The doctor has received their money. I should have never been sent to an attorney or threatened with a lawsuit. There is now a process server looking for me to serve me with papers to sue me over a debt that I should not even owe and has been paid by insurance 2 weeks ago.
02/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48076	Web
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent Merchants and Medical ( also known as XXXX XXXX XXXX ) three letters regarding a balance they say I owed. The account number in question is XXXX Reference number XXXX. I do not recall this debt with Merchants and Medical ( also known as XXXX XXXX XXXX ). I am requesting a re-investigation. In addition to validation, I am disputing the balance listed as an amount owed, AND THE DATE OPENED FOR THIS ACCOUNT. The request for validation stated to provide a copy of a SIGNED contract bearing signature indicating that I have ever had any OBLIGATION to pay MERCHANTS & MEDICAL ( XXXX XXXX XXXX ). As stated before, a BILLING STATEMENT DOES NOT VALIDATE this debt. Based upon your abusive practices of PROHIBITED CONDUCT, you are seeking unjustified amounts, which would include demanding any amounts not permitted under an applicable contract. The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices. The Consumer Credit Protection Act, as Title VIII of that Act statute states purposes are to : eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. Per the FCRA 15 U.S. Code 1692g - Validation of debts- this debt is deemed not validated and is UNJUSTLY REPORTING to the credit reporting agencies. Per the Fair Credit Report Act ( Inaccuracies in consumers report ), you are required to delete this debt from all three credit reporting agencies immediately. Once again, failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : DISCRIMINATION Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48047	Web
THIS IS NOT BEING SENT BY AN UNAUTHORIZED THIRD PARTY. On XXXX certified mail was sent to remove all alleged debt reported without my ( the consumers ) consent to XXXX, XXXX and XXXX who then forwarded it to M & M Credit in regards to this alleged debt. On XX/XX/21 the alleged debt was removed and the balance was decreased to XXXX. Exhibit is attached. I am filing a complaint ; as my rights have been violated. I am also looking for monetary compensation of no less than the amount of {$5000.00} for the distress it has caused both myself and my family for but not limited to XXXX FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS. 1. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be violated by the communicating of any credit information that is known or should be known to be false. There is no proof nor validation of this debt. Therefore, it SHOULD be known to be false in accordance with the above. In addition, I have never been presented with any affidavit that would provide validity to neither you nor the alleged debt collectors assessment. 2. According to the Fair Debt Collection Practice Act debt collectors must not use any false nor deceptive/misleading representation. None of the alleged debts have been validated nor represented by the original creditor. And there is reason to believe these alleged debts were sold. If these alleged debts were indeed soldWhere is the proof of the alleged debtors approval? This too is a violation of consumer rights. 3. According to the Fair Debt Collection Practice Act I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there has been alleged debts published without my permission; using my name and personal information by which to do so. 4. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this false information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right. It has sabotaged both my name and my creditability. 6. My social security card with its attached number would have had to be used to transact any of the alleged debts listed. Therefore, serving to be yet another violation of my rights as a federally protected consumer.
07/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30067	Web
I am writing to file a formal complaint regarding M & M CREDIT placement of a collection on my XXXX, XXXX, and XXXX credit reports without any prior contact. It was not until XX/XX/2023, that I became aware of this collection, as I had no prior knowledge or communication from M & M CREDIT. Upon reviewing my XXXX, XXXX, and XXXX credit reports on XX/XX/2023 ], I discovered the presence of a collection account placed by M & M CREDIT. This collection account came as a complete surprise to me, as I have not received any correspondence, notification, or communication from M & M CREDIT regarding this alleged debt. I have no knowledge of any business or financial transactions with M & M CREDIT. Placing a collection on my credit reports without any prior contact not only violates standard debt collection practices but also potentially harms my creditworthiness and financial well-being. It is crucial to address this issue promptly to ensure the accuracy and integrity of my credit reports. I kindly request the Consumer Financial Protection Bureau 's intervention and assistance in this matter. I urge you to investigate the actions of M & M CREDIT, ensuring compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. Specifically, I request that you : Verify the legitimacy and accuracy of the collection account placed by M & M CREDIT on my XXXX, XXXX, and XXXX credit reports. Determine whether M & M CREDIT has complied with the necessary requirements for debt collection, including providing proper notification and validation of the alleged debt. Take appropriate action to rectify any potential violations or inaccuracies related to this collection account. Ensure that M & M CREDIT ceases any further reporting or collection activities related to this alleged debt until the matter is fully investigated and resolved. I have enclosed copies of my XXXX and XXXX credit reports reflecting the reported collection account from M & M CREDIT. Additionally, any supporting documentation regarding my attempts to contact M & M CREDIT or request validation of the alleged debt is also included for your reference. I kindly request that you keep me informed of the progress of this complaint and provide updates on any actions taken or resolutions reached. I appreciate your immediate attention to this matter. Your efforts in protecting consumer rights and ensuring fair and ethical debt collection practices are greatly valued. Thank you for your assistance.
03/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48843	Web	Older American, Servicemember
they were for patient XXXX, my daughter, I sent some of them to my x wife as per our divorce settlement. I also visited the XXXX office near me that I used to use, and asked for an explanation and was told I owed nothing. I always paid when I went to the doctors, as is their policy. I then paid in full if I owed them. In XX/XX/XXXX, my daughter XXXX started XXXX XXXX and saw XXXX XXXX XXXX near XXXX, MI where I live. It turned out to be a different XXXX XXXX office. They found my name and began to hound me for their money. XXXX XXXX, who wanted their money, and XXXX my x wife both ignored my plea to do things properly. So a few months ago I got a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX for an amount {$50.00}. The original bill was {$30.00}. see original letter ... I responded by sending them a letter protesting the debt and asking for clarification. see Creditor ... I asked for clarification. Who was treated? When? Where? For what? I Got a response dated XX/XX/XXXX. I don't know if I got a verification of claim, and I saw no copy of judgment against me. see reply cover letter and replies 1 through 9. I noticed XXXX was listed as a patient, though I never took her. I also noticed that suddenly I was the patient. After my letter asking for clarity, I got this from XXXX XXXX dated XX/XX/XXXX for {$30.00} again. see Latest bill Now I was the patient, and still no service date or expense accounting information. Even worse, two groups were asking for a different amount of money for the same service. Somebody decided I was more likely to pay I suspect. Since I was actively trying to correct the problem, I was totally unprepared for collection. I expected my x wife at least to pay. So I have no old bills. I thought the problem was being solved. Those bills I did not forward were tossed as useless paper. The XXXX XXXX XXXX XXXX, XXXX, says this happens alot, and they are interested in what the CFPB would do. The Motion for a referee costs {$100.00}. I've asked not to be charged. So I will pursue if its free there. The problem is over a year old so a judge must now sit in through a referee. Now since XXXX XXXX has lied about who was treated, and XXXX XXXX. will either ruin my credit, or garnish my check, I'm getting scammed. I do not owe any of them money, but they want it otherwise for some reason. So I'd like some help, please. It's not alot of money, but I shouldn't be getting bullied by them for it anyway. Thank You!
10/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60411	Web
I started a business and opened a checking account with XXXX XXXX in XXXX. As condition with my Board, I opened also a gym membership early in XXXX to mitigate a XXXX process. My acct number for the bank acct is XXXX. By XXXX, COVID became a central theme for globally. My doctor wrote and ordered isolation as I am an at risk contender. My order was sent in the mail, and submitted to the gym asap in XXXX. Shortly thereafter, the State of Illinois was ordered into a Mandatory Quarantine by the Governor. I learned that the gym through its third party collection company XXXX XXXX, had continued to bill my account causing it to go into negative status with fees from the gym and overdraft fees by the bank in XXXX. It was submitted into Collections in XXXX, but under quarantine, was not monitoring that account. The account number for the gym being XXXX, I called XXXX immediately, who waived all charges in XX/XX/XXXX/XX/XX/XXXXfor an account that was restricted in XXXX and placed into collections. Though the gym attempted to reverse charges after the fact, those reversals took NO EFFECT, as the account was closed and the reversal bounced back/returned to the XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) then admitted that the charges took place and were in error but that I should return to the bank for resolution. I have that email as evidence. Going to the bank and speaking with XXXX a Supervisor with the bank 's XXXX XXXX branch, I was directed to MER-Merchants & Medical Collection XXXX and spoke with XXXX, the Supervisor for account XXXX ( XXXX ), who stipulated that XXXX XXXX needed to issue a check for {$310.00}. Today, XXXX XXXX of XXXX XXXX continues to persist that they had a legal right to continue to withdraw my money despite and that it was on me. None of the representatives have since attempted to resolve this matter, and I and my business has been severely damaged. A {$6.00} XXXX dollar investment into my business has been blocked as the account was closed without my knowledge or notice and as a result payments have been burdened by this XXXX XXXX event which poses the risk of my being liable for {>= $1,000,000} in default payments despite the very real attempt to desposit and make payment into an account in good standing. I need help and restoration. The address for the above account at XXXX is XXXX XXXX XXXX XXXX XXXX, IL XXXX The address for the gym and XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
12/30/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	KY 400XX	Web
To Whom It May Concern,This letter serves as my formal complaint against the abusive debt collection practices of Merchants and Medical Credit Corporation XXXX XXXX XXXX XXXX MI XXXX.During the days of XX/XX/XXXX- XX/XX/XXXX Merchants and Medical Credit Corporation engaged in the following abusive practices in violation of the Fair Debit Collection Practice Act.• Repetitious Phone calls –telephone records list 25 calls in the said time frame• Harassment/Intimidation- I explained my current situation (I have been diagnosed XXXX and am in the benefits appeal process) and that i intended to pay despite this to representative during recorded phone conversation on XX/XX/XXXX and Representative (XXXX) continued to harass and intimidate me into making a payment stating to me: “what form of payment would you like to make debit or check?”“I assume you intended to pay when you made the purchase” “you will continue to receive calls until payment is made” ”so you don’t want my help today” “I assume you do have a financial source” “people have to have a financial source to survive” “collection efforts will continue” “Many people pay us off- call on friends and family, get a loan, they ask spouse to help” “ there has to be payment on a bill”• Failure to notify me of my right to receive verification of debt • Failure to provide me with a validation notice containing key information about the debt and the consumer’s rights within 5 days of initial contact, XX/XX/XXXX• Failure to inform me that I can dispute the debt • Failure to provide me with the address and contact number of debt collection agency-I asked the representative ( XXXX XXXX ext. XXXX) for the address of Medical and Merchant Credit Corporation, telephone number of XXXX and name of supervisor on XX/XX/XXXX. She did not provide the requested information to me.• I returned call to XXXX XXXX (XXXX representative) on XX/XX/XXXX as scheduled and my call was not transferred as requested.I have attempted to resolve the issue. I have not submitted a formal complaint to the company,because i was not provided with contact information.Your attention in this matter is appreciated.Sincerely,XXXX XXXXcc/alKentucky Attorney General.KY.US Federal Trade Commission.GOV Consumer Financial Protection Bureau.GOV
04/27/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	MI 482XX	Web
I attended XXXX XXXX during XXXX. I received a Pell grant and student loans to pay for my tuition, books, fees, etc. My last completed semester was fall of XXXX. I enrolled in the winter XXXX semester approximately XX/XX/XXXX. The courses began XX/XX/XXXX. I became XXXX with XXXX symptoms at that time and was not well enough to start the course. I dropped the classes on XX/XX/XXXX the day classes started to avoid any impending charges to occur. The school has a policy to drop within a specific period without penalty or having a W for withdrawal on your transcript. I dropped the classes in the allotted time frame. Several weeks went by and there was a hold on my account stating I owed the school {$1000.00} for dropping the courses and a book fee. The Federal Pell grant paid for my courses which is free and does not have to be paid back. However, the school states I owe them because they paid my refund that was left over from my Pell grant. I am trying to receive my transcript and the school refuses to issue me a Official transcript with the seal on it until I pay them the money they say I owe them. I talked to Federal student aid and they say I do not have an overpayment listed in their database and as per the federal student aid agency I do not owe anything. I also was told by the federal student aid agency that a law was passed in XX/XX/XXXX that it is illegal for colleges to hold transcripts because of student loan. I did not have a personal loan with the school I had a grant. Since then the school has written the debt off and now it is with a collection agency. The collection is Merchants & Medical Collections XXXX XXXX XXXX XXXX, Michigan XXXX phone XXXX ( XXXX ) XXXX. I was told that I do not have a debt with the collection agency. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX phone XXXX ( XXXX ) XXXX. I did not agree for the creditor to sell the debt the claim I owe to a third party. I was informed the collection company does not have a right to collect nor did I give verbal consent. I need my Official transcript with the seal to transfer to a university.
07/13/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 48312	Web
I received a letter from this company to learn I had multiple account for XXXX XXXX hospital in their office. Being this was the first time I had heard about these I called right away to ask to make payment. Initially the first rep used scare tactics to obtain my employment information. I refused and provided him with my personally identifiable information and refused to answer the unnecessary employment question. The rep then became very abrasive and combative when he gave me an amount different than the bill amount ( {$430.00} on the bills and he told me {$860.00} ) so I asked to speak with someone else. At this point I was placed on hold for several minutes at which point the rep ( XXXX ) came back to the line and it appeared he had no one else on the phone with him nor did he say anyone else was on the line. He told me if he transferred me I would have to go through this again, is that what I want!?. Taking this as a threat I once again asked for a supervisor to which point another rep named XXXX XXXX abruptly and without warning chimes in on the call and started to hammer me again for the verification information. XXXX was gone and I was now being asked again about my employment. At this point when I declined I was confronted with why I was refusing the information. When I responded asking why it was required XXXX proceeded to tell me it was federal law that I verify my employment when asked. Given I knew this was a lie and yet another scare tactic I asked to speak with XXXX XXXX or XXXX XXXX. XXXX then responded to that request with, why is it because shes your Aunt? Offended and further threatened by me a his XXXX seeming knowledge of my aunts name and employment I hung up the call in a fear for being threatened by this XXXX. He told me if I hung up Id never be allowed to call there again and they would refuse my payment but I hung up any way. I want this investigated and XXXX to be reprimanded
10/04/2017	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MI 48044	Web
I received a call from XXXX ( sp? ) at XXXX XXXX XXXX XXXX last Thursday XX/XX/XXXX regarding a past due balance of {$670.00} with XXXX XXXX on XX/XX/XXXX ( 3 1/2 years ). I have spoken with XXXX ( XXXX ) to try to come up with a resolution regarding this balance with no avail. I had not received a bill, a call or any notification to this amount due until now. So its been discussed and determined with XXXX ( XXXX ) on how it came about why the amount due was not paid and the reasons are as follows. 1. In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX was my current Insurance along with XXXX. 2. XX/XX/XXXX my insurance switch to XXXX ( XXXX ) and XXXX. 3. In XX/XX/XXXX is when XXXX XXXX decided to submitted a bill. It went to XXXX ( because billing office asked XXXX who my current insurance was and not who I had in XX/XX/XXXX ) and it was rejected. Then supposedly the billing office sent the bill to me at a previous address that I had moved from in XX/XX/XXXX. My new address on the backside of my drivers license that was not marked down by the XXXX 's. 4. I never received a phone call even though the phone number on records has always been correct. I could have resolved the matter in XX/XX/XXXX if I had received a phone call. 5. The outstanding invoice sat in limbo from XX/XX/XXXX to XX/XX/XXXX when a supervisor decided to send to collection agency Merchants Medical for payment. The {$670.00} would have been covered by XXXX XXXX and XXXX if your they would have received the bill in time. I am not going to be held responsible for the {$670.00} or this to be on my credit report. I have had 2 conversations with XXXX and 1 email from XXXX XXXX Director of XXXX XXXX and cc 'd XXXX XXXX, CEO XXXX XXXX to try to have this invoice taken care of and I spoke to XXXX XXXX to get billing information to resubmit. This information was then given to XXXX.
08/14/2020	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	MI 48075	Web
Merchants & Medical is erroneously attempting to collect a debt in the amount of {$3700.00} on behalf of XXXX University. In XX/XX/XXXX, Merchants & Medical placed this collections account on my credit reports causing extraordinary damage to my reports and FICO scores. I hired a firm in XX/XX/XXXX to investigate this matter further with XXXX. On XX/XX/XXXX, my counsel and XXXX concluded their investigation and, as a result, XXXX deleted the Mechants & Medical account from my credit report. On XX/XX/XXXX, Mechants & Medical has illegally placed this account ( XXXX ) on my credit reports again by using fraudulent, illegal and unfair debt collection practices despite my firm having successfully worked with XXXX to get the Merchants & Medical account removed from my credit reports in XX/XX/XXXX. Months later, in XX/XX/XXXX, Merchants & Medical fraudulently placed this account on my credit reports again causing me further harm by damaging my credit during the COVID-19 pandemic, one of the most devastating times for Americans in the history of our country. Once again, I will have to file disputes with the credit bureaus to have this account removed from my credit reports in an attempt to reverse the damage caused by Merchants & Medical. Furthermore, I will be seeking additional legal counsel and filing complaints with the XXXX and FTC if this account is not removed from my credit reports promptly. I would like to settle this matter without litigation. However, if Merchants & Medical continues to cause me and my family harm with their fraudulent, illegal, and unfair practices, I fully intend to invoke my rights as an American citizen and leverage the judicial system. I have attached the results of XXXX XXXX investigation to this email as evidence that the account was deleted as a result of their investigation in XXXX XXXX.
01/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48080	Web
On XX/XX/XXXX I sent Merchants & Medical Credit Corporation a letter disputing a claim of alleged debt of {$4000.00} by original Creditor XXXX XXXX XXXX I asked for proof of validation per my rights under Under the Fair Debt collection Practices Act ( FDCPA ). I also let them know in my letter that I have been a victim of Identity theft as of XX/XX/XXXX when someone attempted to use my personal information to file my federal IRS income taxes. Since that breach I have been a victim of multiple fraudulent accounts setup in my name ( per my credit reports ). I have also been a victim of both breaches of XXXX and XXXX. *Please note they are reporting this debt under XXXX XXXX***** My name is XXXX XXXX ! Still with all this information they have refused to provide me with any proof of validation of this debt. I have asked for all of the following below 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. I asked for them to remove this reporting from all 3 collection bureaus. They are still reporting and not have provided any proof
04/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web
On XX/XX/XXXX, I submitted the following complaint to Merchants & Medical Credit via the CFPB : " On my XXXX credit report, there is an amount of {$470.00} owed to Merchants & Medical Credit. The original creditor is XXXX XXXX. This debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion. '' On XX/XX/XXXX, the company responded with : " This debt is for a class in the fall of XXXX. The consumer attended class and received a passing grade. He made an echeck payment of {$300.00} on XX/XX/XXXX. The school says he still owes {$470.00} He has given us no information confirming he was out of the country at the time of this class. We see no reason to remove this from the consumer 's credit report. It makes no sense that someone would make a payment for a class he didn't attend. Nor, would another person take a class that would give credit to someone other than himself. '' For clarification, I have never made any payment towards this account. Secondly, I have never attended the school mentioned. Thirdly, I graduated from university in spring of XXXX from a school I attended from XXXX, and my transcripts show no record of this alleged class being taken. Fourthly, the company states a credit was given for this class, but as I just mentioned, this class is not shown on my final transcripts from the school I graduated from, therefore I never received any credit for it. Fifthly, the company has repeatedly been advised that this debt is not personally mine. This account remaining on my credit report continues to be in violation of FCRA 623 ( a ) ( 1 ) ( B ).
09/26/2020	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 Difficulty submitting a dispute or getting information about a dispute over the phone	VA 22204	Web	Servicemember
Merchant and Medical submitted a collection of {$1200.00} stating I owe o debt to XXXX XXXX XXXX as of XX/XX/XXXX. The information is not valid. The communication with the creditor is not effective I've filed disputes with XXXX requesting Validation of proof this debt belongs to me and have not obtained it. This is a fraudulent account that does not belong to me and XXXX is not verifying accurate information nor providing me with proof that I owe the debt as it will be impossible because it does not belong to me. I've made efforts to contact XXXX on the phone as I can not dispute the collection online anymore and the high call volume proves unsuccessful. I removed a fraud alert from my reports as it was complex applying for credit. Since this poorly investigated collection I've added it back. As I've been a victim of identity theft by my half- sister and its verified with police reports dating back to XXXX. This account with Merchant Medical nor XXXX XXXX belongs to me and has not been properly verified furthermore XX/XX/XXXX when the account opened I lived in XXXX, GA drivers license nor utilities have reflected a XXXX address since XXXX and it was of XXXX XXXX, XXXX, MI. I have not lived nor granted permission for anyone to at XXXX XXXX. Original lease contract and identification provided for the application, and proof of utilities, employment information as all of this is required when leasing and needs to be provided as proof this apartment was actually leased and occupied to me. Since XX/XX/XXXX I've served as a legal court ordered guardian to XXXX children and we have never lived at a XXXX XXXX XXXX.
03/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94803	Web
Merchants & Medical Credit Corporation ( " Merchants '' ) is attempting to collect {$310.00} for an invalid medical debt. Merchants is the debt collector for XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) who provided emergency ambulance services to me on XX/XX/XXXX. My health insurance reimbursed XXXX XXXX {$690.00} pursuant to my medical insurance policy and the insurance 's reimbursement process. I was never notified by XXXX XXXX or anyone else that further money was needed until a negative collection report was reported on my credit report by Merchants. On XX/XX/XXXX, I sent a letter to Merchants by certified mail ( acknowledged and signed for by a Merchants representative ). Merchants has not responded. In my letter ( see attached ), I made several points : 1 ) The {$310.00} was invalid because Merchants was engaging in balance billing, a practice prohibited by California law ( XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ; 2 ) Merchants likely violated my due process rights by violating the Fair Debt Collections Practices Act Section 809 ( a ) s requirements for written notices ; and 3 ) Merchants changed billing statements from the incorrect city ( XXXX XXXX ) to the correct city ( XXXX ), presumably to create the appearance that they had provided adequate notice. To date, Merchants has not responded to my letter. Merchants removed the collection account from my credit report but started reporting the collection account again on XX/XX/XXXX. I filed a dispute with XXXX on XX/XX/XXXX and did not receive a satisfactory dispute response.
03/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94803	Web
Merchants & Medical Credit Corporation ( " Merchants '' ) is attempting to collect {$310.00} for an invalid medical debt. Merchants is the debt collector for XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) who provided emergency ambulance services to me on XX/XX/XXXX. My health insurance reimbursed XXXX XXXX {$690.00} pursuant to my medical insurance policy and the insurance 's reimbursement process. I was never notified by XXXX XXXX or anyone else that further money was needed until a negative collection report was reported on my credit report by Merchants. On XX/XX/XXXX, I sent a letter to Merchants by certified mail ( acknowledged and signed for by a Merchants representative ). Merchants has not responded. In my letter ( see attached ), I made several points : 1 ) The {$310.00} was invalid because Merchants was engaging in balance billing, a practice prohibited by California law ( XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) ) ; 2 ) Merchants likely violated my due process rights by violating the Fair Debt Collections Practices Act Section 809 ( a ) s requirements for written notices ; and 3 ) Merchants changed billing statements from the incorrect city ( XXXX XXXX ) to the correct city ( XXXX ), presumably to create the appearance that they had provided adequate notice. To date, Merchants has not responded to my letter. Merchants removed the collection account from my credit report but started reporting the collection account again on XX/XX/XXXX. I filed a dispute with XXXX on XX/XX/XXXX and did not receive a satisfactory dispute response.
07/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48178	Web
On XX/XX/2015, I brought my son to the Emergency Room at XXXX XXXX in XXXX, MI with a XXXX on his XXXX that I did not want to get infected. As we were about to be released, the doctor took a last look at my son 's XXXX and decided he should go to University XXXX XXXX XXXX XXXX Hospital in XXXX XXXX, MI. He stated they would arrange the transportation. XXXX XXXX XXXX transported my son the thirty-two miles to XXXXXXXX XXXX XXXX Hospital in XXXX XXXX. Their billed rate was {$1100.00}. My health insurer at the time, XXXX, was ending my plan at the end of the year as they were purchased/merged with XXXX. The claim number is XXXX. After much time on the phone to remedy the billing issue, XXXX ( now part of the XXXX family ), issued payment to XXXX XXXX XXXX their contracted rate, {$880.00}. For some reason, XXXX XXXX XXXX charged the difference to me instead of contacting XXXX/XXXX for any billing discrepancies. My coverage plan contract covered 100 % of the charges after I met my family deductible ( which I did meet ). Due to the length of time it took to resolve, it has been sent to collections and subsequently damaged my credit rating. I should not be responsible for the lack of communication between a Healthcare Insurance provider and its contracted vendor. The collection agency which represents XXXX XXXX XXXX XXXX Merchants & Medical Credit, will not listen to anything I have to offer, excepting method of payment. Thanks in advance for taking the time to read.
04/13/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NC 28270	Web
Merchants and Medical Credit is has continuously attempted to collect one 2 debts that do not belong to me. I have submitted disputes with all XXXX credit bureaus advising that these accounts do not belong to me. On XX/XX/2017, I mailed a letter directly to Merchants and Medical Credit requesting verification of the alleged debt. I did not receive a response, but they communicated with the credit bureaus. Until this point, they reported the accounts as in collection. After my letter was sent, Merchants and Medical increased the balance on one of the accounts by {$1.00} ( from {$440.00} to {$440.00} ) and listed them both as closed collection accounts. The following week, the accounts are listed as open collections with the balance on one being decreased by {$1.00} ( {$440.00} to {$440.00} ). In doing so, my credit score was further damaged. Photos are attached as proof that you changed the balance due. On XX/XX/2017, Merchants and Medical replied to a complaint filed with CFPB. They state that the alleged debt was for medical treatment for a minor child. They said that they will send an itemized bill that they just received. If the bill was just received, how could all of my previous disputes come back as verified if they are just now receiving the bill. Merchants and Medical Credit has failed on numerous occasions to provide written auditable proof that either of these accounts belong to me. It seems that Merchants and Medical may not be compliant with the law.
05/20/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	MI 48185	Web
XX/XX/XXXX I emailed XXXX XXXX XXXX for an account summary from my previous schooling in the Winter of XXXX. They responded XX/XX/XXXX with an account summary totaling approximately {$1400.00} ... it was confusing I received two totals one for {$1400.00} and another page with a different total of {$1400.00}. I also received an account summary from the collection agency they sold it to and there was also a mistake on that summary. XX/XX/XXXX I paid the collection agency {$200.00} bringing my account to a total of {$1200.00} but my payment was rescinded the same day. Theres two transactions on XX/XX/XXXX. One showing my payment and one canceling my payment bringing my total back to {$1400.00}. I have a bank statement that shows my payment of {$200.00} to the collection agency. But, the bigger issue is the amount on my credit is {$1900.00}. When my account summarys show totals in the $ XXXX range. So I emailed again on XX/XX/XXXX and asked how did my total get to {$1900.00} if my account summary only shows an amount of {$1400.00}. They responded XX/XX/XXXX and stated the differences were due to collection cost so I asked them to send me an account summary that reflects that total on XX/XX/XXXX. That same day they emailed me another account summary with a different total of {$1700.00} ... still {$200.00} away from the actual {$1900.00} thats on my credit. Not to mention the {$200.00} that I paid to M & M collection agency that was never credited to my account.
11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 480XX	Web
I have filed many disputes over the course of two years with XXXX, M & M Credit, and XXXX XXXX solutions on multiple accounts ALL of which should not even be reported due to HIPPA rights/laws. I have concluded in research that, In connection with its collection activities, XXXX, M & M Credit, and XXXX XXXX XXXX, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. XXXX, M & M Credit, and XXXX XXXX XXXX, violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing information to CRAs that it knew or had reasonable cause to believe was inaccurate ; failing to report to CRAs an appropriate date of first delinquency on certain accounts ; failing to conduct reasonable investigations of disputes made by consumers both to XXXX, M & M Credit, and XXXX XXXX XXXX and to CRAs about furnishined information or failing to conduct investigations of disputes made to XXXX, M & M Credit, and XXXX XXXX XXXX in a timely manner ; failing to send required notices to consumers about the results of such investigations ; and failing to establish, implement, and update its policies and procedures regarding its furnishing of consumer information to CRAs. Based on these violations of the FCRA and Regulation V, XXXX, M & M Credit, and XXXX XXXX XXXX violated the Consumer Financial Protection Act and HIPPA rights.
05/17/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 337XX	Web
Filing complaint against Merchants and Med Cr ( M & M Credit ) On XXXX XXXX , 2017 I sent a letter to M & M Credit to request debt validation for item li sted on Credit Report as I have never done business with them nor have I ever heard of their company. In the letter, I requested several pieces of information to validate the debt ( see let ter ) The letter was sent via certified mail and arrived on XXXX XXXX , 2017 at XXXX ( see documentation ). I received a letter dated for XXXX XXXX ,2017 with a " bill '' that they claim that I owe. This " bill '' they sent looked like it was created online. I basically did not receive the information requested to validate debt. On XXXX XXXX , 2017 I sent them another letter basically listing the above. I requested immediate removal if they were not able to provide requested documentation and asked them to respond within 15 days as the 30 day window originally provided has passed. ( Please see letter ). This letter was also sent via certified mail and arrived on XXXX XXXX , 2017 a t XXXX ( see documentation ). I still have not received a response back from M & M Credit. I pulled my credit report yesterday X/XX/17 and they are still listing this debt that I have no idea of. Not only do I not recognize this company, but their reporting to the credit bureaus is completely inaccurate. Please see attached sheets from my credit report.
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	IL 60409	Web
I sent the company the following letter - and I got no response. They did not validate the debt under FDPCA and ignored 1692G of the FDPCA. Please be advised this 1692g letter is for all!!! Accounts you have listed under my name that are inaccurate and now you are in violation of 1692 ( E ) subsection 8. 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. Additionally, according to Metro 2 compliance, you are not listing the first date of delinquency on XXXX or XXXX as required under Metro 2 - another reason for deletion.
03/07/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 342XX	Web
I learned in XX/XX/XXXX that XXXX XXXX XXXX XXXX XXXX, XXXX placed an erroneous bad debt transaction on my credit report. This has prohibited me from securing the housing needed to accommodate my XXXX child. We lived in XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX forwarded my son 's incontinent supplies to our temporary XXXX address during the summer of XX/XX/XXXX while we vacationed there. XXXX Medicaid limited them to sending supplies to an alternate address for a maximum three months. We decided to stay in XXXX and notified the company and Medicaid at the end of XX/XX/XXXX. Shipments should had ceased at that time. The copy of the invoice I received in XX/XX/XXXX shows that the company sent a shipment to our old address in XXXX in XX/XX/XXXX. They allege funds are owed although I no longer lived there and they were notified to discontinue shipments before this shipment was sent. Previous shipments were paid by Medicaid, not by me. Medicaid said they were not billed for shipments after XX/XX/XXXX. XXXX XXXX XXXX states that it is not their responsibility to prove that I received the merchandise. I must prove that I did not. That's impossible! We are currently displaced because of this issue and I plan to seek additional legal action if the debt is not absolved and the transaction removed from my credit report immediately.
02/02/2018	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	MI 48227	Web
This is a formal complaint against MERCHANTS & MEDCAL located in XXXX, MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
05/25/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NE XXXXX	Web	Older American
XX/XX/XXXX I would like to file a formal complaint against Merchants & Medical Credit Corporation , Inc of XXXX XXXX XXXX XXXX MI XXXX. I understand they are a related company of XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX NY XXXX about whom I filed a complaint with you on XX/XX/XXXX. I do not have, nor have I ever had a XXXX credit card. I advised XXXX XXXX XXXX of this in writing on XX/XX/XXXX ; however, it has not made any difference. I further advised XXXX XXXX XXXX on XX/XX/XXXX that my wife had a XXXX credit card that has been managed by XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX CA XXXX, phone XXXX or XXXX since lateXX/XX/XXXX. Again, this has not made any difference as XXXX XXXX XXXX continues to call multiple times per day to each number instead of contacting XXXX XXXX XXXX XXXX as directed. Now I am receiving letters from Merchants & Medical Credit Corporation , Inc. Please ensure that Merchants & Medical Credit Corporation , Inc. removes my information from any XXXX credit card and removes all information reported by either them or XXXX from all credit reporting agencies. Further, please ensure that Merchants & Medical Credit Corporation , Inc. ceases all contact with either me and directs any contact with my wife through XXXX XXXX XXXX XXXX as referenced above. Thank you!
04/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48127	Web
Dear Sir or Mam, I don't know were to begin but I lost my wallet in 1999 when I was XXXX XXXX XXXX. From then on I have had calls, messages left on landline answering machines, and now cell phones. I even got XXXX one time and the police started XXXX when they looked at me because they said " You were suppose to be an XXXX XXXX XXXX ''. They showed me a XXXX state Identification Card with all of my stuff on it name, address, date of birth, etc ... but a picture of her with green contacts in because I have green eyes. I can not figure out any of this or what her name is because technically she is me. I have all these accounts on 3 different credit bureaus and the debt collectors will not give me any information because I don't have the account numbers or passwords to the account. I try telling them this is Identity theft and it does not matter. I don't know where to start there are too many companies, too many monies owed, and way to many dates started back in 1999. Please help me with this. I'm XXXX XXXX XXXX now and my father still has to co-sign or help me out. Also, I can not open a bank account because whoever this women is did something bad with checks and they run your name through a company called XXXX XXXX. My name is XXXX XXXX XXXX and I can be reached at ( XXXX ) XXXX
07/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91941	Web
This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name MERCHANTS & MEDICAL CREDIT Account number XXXX Recent balance {$3400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
11/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43026	Web
MERCHANTS & MEDICAL CREDIT CORPORATION , INC . XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX To : The XXXX XXXX XXXX XXXX for MERCHANTS & MEDICAL CREDIT CORPORATION , INC . From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX private and personal information to other members, possibly resulting in identity thief. Also, relating information to personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulation Z, Regulations M and All applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. Govern yourself accordingly By : XXXX XXXX XXXX
06/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web
My name is XXXX XXXX, a federally protected consumer and Im making this complaint against Merchants & Medical Credit Corporation , Inc. for committing identity theft. I have never given Merchants & Medical Credit Corporation , Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC \|1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Merchants & Medical Credit Corporation , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Merchants & Medical Credit Corporation , Inc. continues its collection efforts, I will file for litigation for actual damages caused and Merchants & Medical Credit Corporation , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC XXXX. Your prompt attention and response are both requested and required.
06/10/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 481XX	Web
I am a patient of XXXX XXXX, Michigan XXXX XXXX since XX/XX/XXXX, I had visits every other month, I have XXXX XXXX Health care insurance, the insurance paid every single charge since then except one visit in XXXX, it seems the Doctor office did not submitted it on time, or they did not bill it in correct format. I was informed about this charge around the end of XXXX, I contacted the DHS case worker, she told me to ask the Doctor office to submit the claim again and she will pay it, I contacted the billing department and asked to submit the charge again. However I received few statements from the doctor office for a charge of {$120.00} dollar, I contacted the office every time I got statement for the doctor office, and asked them to bill the charges again. It look like they did not submitted again. Sometime in XXXX I received statement from Merchants & medical Credit ( Collection Agent ), I called them and explained to them what happened. I received few calls from them since then. Every time they called we went through the whole issue again. I found out that on XX/XX/XXXX they reported this issue to Credit Bureau, I called today, They said they received this case in XXXX, I was late for them to submit the charge to insurance, and the doctor did not.
03/24/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MI 48174	Web
Summer class in XX/XX/2015 in the amount of XXXX Dollars. I am now asking for this account to be put back on my credit report. Due to speaking with my credit lawyer and also all 3 credit bureaus this will be best, because putting it back on my credit report forces them to send proof of this account which I know they can't. And upon checking all my XX/XX/XXXX email, there was never an email sent to Ms. XXXX XXXX. I have asked XXXXXX/XX/XXXX over and over again, to send me proof that I asked Ms. XXXX XXXX that I asked her to leave me in her class, Which they claim they did speak with her. However, MsXXXX XXXX never gave out her personal phone number and all you could do was reach her through email. So I asked for proof about that and they never responded. Instead they sent my account to collections, and the collection agency couldn't verify anything so I guess they and XXXX decided to take it off my credit report but still hold it in the collect agency file. I know I never asked Ms. XXXX XXXX to keep me in the class, because I had just lost my father. I had even dropped myXX/XX/2015spring class also because he became ill. This is stopping me from finishing up school.
03/01/2020	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 Problem with personal statement of dispute	MI 48036	Web
all started over 7-8 years ago. I had no health insurance and was in need of medical help. I was under the guise that any debt over 2-4 years old is not supposed to reflect negative on credit report, but can still be on report, just not have a negative impact on it. Not the case on mine. This company has been reporting for entire time as different companys to make it look like it is a new debt, therefore negatively impacting my credit for this entire time. How is one suppose to " fix '' credit if they-the shadey companies, keep adjusting there names so it looks like a new debt? I recieved a threating phone call from the company explaining to me that if i didnt pay they would keep on doing this and i will never get my credit score over 600. They cslled so many times i changed my #, unfotunatly i do not have the money to pay off all these old debts. I was going to fiole for chapter XXXX bankruptcy, but i just dont have the money for that either. I have sucessfully removed almost all other medical debts on my credit xcept for theese. Please look into this company. I know they are not acting entirely above the law.
07/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48234	Web
My name is XXXX XXXX, and I have written a formal letter disputing a debt on my credit report placed by a collection agency called Merchants & Medcal Credit Corporation , Inc asking for LEGAL and VERIABLE evidence of a debt belonging to me. Merchants and Medcal Credit Corporation , Inc responded to my dispute letter with a bill claiming that this debt is mine. I responded requesting for this item to be removed as a bill is not a form of debt validation, and the proof had to bear my signature. Since the second written dispute letter, Merchants & Medcal has decided to bully me with a response stating proof has been provided and they will not respond to anymore of my letters asking for proof nor will they remove the debt that they have not verified. This serves as my FORMAL COMPLAINT as this company is willfully breaking the law and violating my rights as a United States Citizen who has a right to dispute debt and ask for copies of LEGAL DEBT VALIDATION, per the Federal Trade Commission and the Fair Credit Reporting Act. Please provide me with a written correspondence of the outcome of this investigation.
09/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48174	Web
I was signed up for classes at XXXX XXXX of XXXX XXXX Michigan. I never attended the class. They are claiming that I emailed or called the teacher and claimed that I told her I would attend the class. However, I have never spoken with the teacher via phone or email. Therefore, I asked for prove an email that says this or phone records. Which the teacher has never giving out her personal phone number so I would have had to call the office and leave a message which I did n't. I always pulled up all my emails to and from her and never once was there an email about attended the class. I have had this teacher for years and yes if I did n't show up for class she would just keep me in the class thinking that I would show up. However, this time she was wrong because I never attended the class nor did I call her or email her. I have asked for prove which they ca n't provide.They are trying to collect XXXX dollars that they claim I owe. However the classes there are over XXXX They just do n't want to send the government back the rest of the money for the class that I never attended. M & M credit company
03/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 480XX	Web
This letter is to inform you that Merchants and Medical has failed to properly respond to my request for proper and full debt validation, not verification as sent certfied mail. As a consumer, i have rights under the FCRA. Not only was the alleged debt not validated and no burden of proof was provided proving that the alleged charges belong to me, the request was also not meant in full. Only certain accounts listed on the request were answered as others were ignored. I also have recieved with the notice returned, nothing to indicate any further notice to be received in regards to addressing the other accounts listed. I understand that the account exist, however i am disputing that i am responsible for it as signatures or original documentation have not been provided nor have any other forms of proof. It is my request that all of the accounts upon which i requested validation, be removed from all 3 credit reporting bureaus as they are falsely reporting and having adverse affects on my credit. If action to do so has not been taken within 30 days. I will seek legal counsel to file suit.
03/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 484XX	Web	Servicemember
I have attempted several times throughout the years to, communicate with the non-va medical facilities, that I 'm a XXXX vet and there is a department in the XXXX XXXX va facility in XXXX XXXX Michigan called the department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone number XXXX, I spoke with XXXX today XX/XX/XXXX and he informed me that they never received any bills from this debt. Merchants and medical XXXX flint Michigan XXXX in regards to a visit that I made dated XX/XX/XXXX account number XXXX, this item ended up on my credit report, these are the types of issues that our American veterans have to combat in order to try to even maintain some sort of normal life, no one takes the time to go thru the proper procedure to make our life more easier when trying to navigate thru these non-va facilities. im faxing you the debt on my credit report and my va status. I would appreciate it if these debt collectors would contact the proper departments you make it difficult for a lot of veterans by not simply making one phone call. Remove this from my credit. XXXX XXXX
07/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48439	Web
It most recently came to my attention that M & M ( Merchant Medical ) released false information to the credit bureau for a debt that I do NOT owe. In XX/XX/XXXX I was a student at University XXXX and had an outstanding debt. Once the debt came to my attention it was paid promptly directly to University XXXX. Weeks after this I was contacted by the collection company. I advised them that the phone call to me had to be in error because the debt was paid in full - ( {$250.00} ). They questioned the validity of my conversation. I contacted U XXXX and informed them of the call that I received. I was told to disregard because my balance was XXXX. XX/XX/XXXX I call the collection company and was told that the credit bureau had placed this on my report and that they had nothing to do with this, which is false. I was told that they would issue a letter of retraction and facilitate have the information removed because it was false. As of today, I have not received a letter and I 've verified that is not removed nor is there a request submitted from Merchants and Medical.
04/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	CA 94608	Web
I have been repeatedly contacted at work by Merchants and Medial Credit Corporation XXXX XXXX XXXX, XXXX MI XXXX about unpaid tuition fees, after receiving a notice in the mail 1 week ago. I am unable to take personal calls at work. They have threatened that they will continue to call me at my place of work until I 'm able to come to terms. I live in a different time zone from them and have a hard time connecting to them outside of work and plan to communicate with them on a Saturday when I do not work. I think that this is harassment. I have asked that they not contact me and that I will call them on Saturday, as I said I just received the collection notice on Monday. Additionally the person that called me was very rude and aggressive. They would not listen to me when I was asking them to stop calling me at work and that I would call them back. He said if I did n't pay something right then that he would just keep calling. I explained that it is impossible for me to pay as I do not have any money and he still would n't stop.
12/28/2016	Yes	Debt collection Federal student loan	Communication tactics Threatened to take legal action	MI 48390	Web
This is the second time having an issue with this company on improperly stating or threatening me. I once again received a call from XXXX who does n't seem to understand debt collection laws or how to do her job. She first stated she was calling to collect on the same debt I was already disputing. She stated she sent over a ledger from the school verifying the debt. I did state I received that but it still did n't make sense. XXXX college is claiming they sent money back to the government from a student loan. I called XXXX who is servicing the loan and they stated no money was returned and also send me over a ledger to show this. I explained all this to XXXX who then stated " OK if this is how you want to handle it we will take care of you '' my response was did you just threaten me? her response was '' we will be sueing you '' first of all she is threatening to sue me for something they have yet to prove is valid and also breaking the fair debt collection law my threatening me.
10/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	SC 29229	Web
I 'm currently dealing with issues between " XXXX of XXXX '' XXXX XXXX and " merchants and medical '' of XXXX. In a nut shell I received phone call on XXXX XXXX to pick up items left by a dumpster or I ' would be fined. Later in XX/XX/XXXX, while receiving no fine via letter or phone call from storplace, I received a phone call from m & m in attempt to collect. I explained what was going on to them ( m & m ), the guy whose name I do n't remember, said I undestand. That was the last I 've heard of it until I apply for my first mortgage loan. I found out the fine was turned over for collection on XXXX XXXX ( 8 days after phone call from storplace warning ). I just want this cleared from my prior pristine credit history as it is unfair and not ethical. Also the fine amount indicated by storplace via m & m is not mentioned in the contract. I have requested copies of my lease agreement from storplace, they said I would have to get it and all information from merchants and medical.
02/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web
I have been contacted numerous times by a company I have never done business with. I have sent them certified letters asking to VALIDATE the debt they say they hae on file for me. There are 3 different accounts ( XX/XX/XXXX for {$1700.00}, XX/XX/XXXX for {$1400.00} and XX/XX/XXXX for {$410.00} ) they supposedly have on file for me. They keep calling and reporting false information to my credit file. They have not sent are VALIDATION to me and instead sent a letter that they have VERIFIED that I have dept with them. Two of the 3 accounts are listed on my credit file and I am not even responsible for debt even dated back that late in time. I would appreciate if they would cease trying to collect falsified debt from me and remove those false accounts they say I have with them from my credit file. I have NEVER signed or agreed to any contracts with this company and I don't know why they have any rights to continue to say I do or to contact me at all.
04/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NC 28270	Web
Merchants and Medical Credit is has continuously attempted to collect XXXX XXXX debts that do not belong to me. I have submitted disputes with all XXXX credit bureaus advising that these accounts do not belong to me. On XX/XX/2017, I mailed a letter directly to Merchants and Medical Credit requesting verification of the alleged debt. I did not receive a response, but they communicated with the credit bureaus. Until this point, they reported the accounts as in collection. After my letter was sent, Merchants and Medical increased the balance on XXXX of the accounts by {$1.00} and listed them XXXX as closed collection accounts. The following week, the accounts are listed as open collections with the balance on XXXX being decreased by {$1.00}. Merchants and Medical Credit has failed to provide written auditable proof that either of these accounts belong to me. It seems that Merchants and Medical may not be compliant with the law.
03/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48220	Web
I gave 30 day notice to move out of an apartment in XXXX XXXX. The month to month rate was {$740.00} for the month of XXXX I gave them the difference of my rent minus security deposit of {$390.00}. On or around XXXX XXXX received letter that partial payments were not accepted and the security deposit could not be used toward last month 's rent. On or around XXXX XXXX received a letter stating that I needed to pay my rent including late fees and attorney fees in 7 days or vacant the property. I moved out on the XXXX day and stop payment on the check for the partial payment. My security deposit covered the rent for the 15 days I was there. Months later in XXXX I received a debt collection for the amount of the partial payment, stop payment fee, and late fee and attorney fee totaling {$570.00}. I told the debt collector that I would pay the {$340.00} that would cover the full months ' rent ; however that offer was declined.
01/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60640	Web
I unfortunately can not view the records of my XXXX account because they closed my account without warning after I reported my account balance was incorrect. I was overdrawn in my checking account and that was inaccurate. I was in a store over the summer on XXXX and XXXX in XXXX and was making a purchase he had my card and charged me the wrong amount. I did tell the business owner and he said he voided the transaction. Well it still showed up on my account. I was then charged numerous over draft fees because that XXXX dollars never was returned to my account. So actually XXXX XXXX owes me {$40.00} and I tried to get them to dispute that charge and was never given any help. I never received anything for the XXXX that was taken and I am not paying an additional {$260.00} for XXXXs negligence. I tried they didn't listen then they took access away from my account so I can not even straighten it out with them.
08/27/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MI 48174	Web
This account, has been removed from my report! However, there saying that they are keeping it in there reports that I still owe this amount! Like I explain before, I would like to have prove that I told anyone to keep me enrolled in a class at XXXX college! If they were not going to remove it all together then they should have left it on my report, due to me just filing bankruptcy! I am trying to go back to school and this is a mess! I guess I have no choice but to contact an attorney to get this handle! Im not paying anything that I know I dont owe! So with that being said I would appreciate if someone from XXXX college, or m & m credit can send me proof that I requested to stay in a class, when I hadnt be attending the school in semesters! They are trying to rip me off! And I refuse to pay something that I know is not right! Also I will be calling the department of education to also report this!
10/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48239	Web
I sent merchants and medical a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021. in regards to inaccurate accounts with XXXX XXXX XXXX i have no business with this company and have no idea how they even have any of my personal jnformations. This account is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.
12/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MI 48235	Web
I am writing to delete the following information in my file. These items that should be deleted are listed in the report. I was trying to ask the Bureaus for validation of these Collections but I did not receive any response from them. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, these Collection Agencies have violated my rights as a consumer and Im requesting legal action to remove this account immediately. ACCOUNT NAME XXXX M & M CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$700.00} ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$750.00}
12/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 54956	Web
I have attempted to remove this erroneous debt from my credit profile for years. Despite my disputes, M & M has refused to remove the account from my credit profile. I have sent multiple letters requesting that the account be removed if it could not be validated under the appropriate guidelines. Specifically : On XX/XX/2017 Merchant & Medical reports debt owed to credit agencies On XX/XX/2017, I sent a letter requesting that M & M validate the debt within 30 days and if they did not do so to remove the account and stop contacting me. On XX/XX/2017, I received communication from MM dated XX/XX/17 restating the debt On XX/XX/2017, I replied with another validation letter which was signed for by M & M on XX/XX/2017 I did not receive another response and on XX/XX/2017 I sent a final letter requesting that the account be removed after M & M failed to comply with my validation requests.
11/16/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48505	Web
After looking over my credit report I ran across a collection from this agency. they are reporting on my credit report so I send them a certified letter with conf # XXXX XXXX XXXX XXXX XXXX in which they are still reporting inaccurate and incomplete information on my credit report. My lawful consumer right allows me to compel you to eradicate any and all aspects of injurious adversary and or derogatory accusations not entirely true, correct, complete, timely, mine, my responsibility, or else wise compliant and furthermore PROVEN in testimonial certificate of fact to be compliant to all aspects of reporting regulations, laws, precedence, and standards of reporting practices TO INCLUDE irrefutable physical evidence of your perfect XXXX XXXX XXXX A deficiency in one or all is unlawful and makes you liable to me should I elect to gain suitable resolution.
02/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing 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 constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 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	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing 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 constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 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
06/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 481XX	Web
Merchants & Medical bought an alleged debt from XXXX XXXX on or around I assume XX/XX/2019. Realistically they could have bought it prior to XX/XX/2019 and I assume they just parked the debt until I started applying for a mortgage because surprisingly after 8 months of not hearing a word from the original creditor ( XXXX XXXX ) this debt magically appears on my credit report without written notice that I could dispute the debt, which I would have had I received notice. I suppose they just did not really care about providing notice that I could dispute the debt as it is only for {$96.00}. Thanks to their slimy, unethical and questionable debt collection practices my score dropped nearly 100 points and I no longer qualify for my first mortgage. Had I received notice from them that I could dispute the debt I would have.
02/20/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 48507	Web
XXXX XXXX XXXX forwarded my debt to Merchant and Medical Credit. They, Merchant and Medical, have made frequent phone calls to the point in which I have blocked any numbers they have called me from. Also, they recently contacted my Emergency Contact noted on my medical records asking for my information. The hospital asked for an emergency contact in the event something happened to me at the hospital. Why their contact information was forwarded to a debt company does not seem right. Also, when you call the company they do not note who they are. I called them from my work phone, blocked number, and I had to ask who the number was regarding. I'm not entirely sure if this falls under the FDCPA, but I do not think it's proper for a hospital to forward my in the hospital emergency contact to a debt collection company.
09/23/2015	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	MI 48439	Web
The company did n't contact me by phone at all for a bill that is now reported in my credit record. I had some previous bills that was with the same company and i used to have really tough phone calls with threatening of reporting and not resolving. my main problem now is that they report a claim which I had no problem to pay it on time if they called me. I just settled all my debts with this company by calling them around 3 months ago. the company suddenly reported failed payment for medical bill without contacting me with previous knowledge where I am and my situation from previous experience. please advise if I still have to call them and accept what they say to remove the collection while it is still there in the removed collections or I have any rights to dispute this claim for not contacting me.
12/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43607	Web
I was sent a collections letter dated for XX/XX/2018 for rent owed to an apartment complex that has lied about my move out date. I submitted my letter of dispute to the collection agency and the collector that I spoke with on XX/XX/2018. They said they would investigate. On XX/XX/2018 the collector claims that XXXX XXXX says that I moved out in XX/XX/2018, which is incorrect. I have documentation that I moved out on XX/XX/2018. I had a walk through with an XXXX employee on XX/XX/2018. Before the apartment complex switched management to XXXX, I submitted my 30 day notice to XXXX of XXXX XXXX XXXX. Once XXXX took over, I called him to verify that he gave them my notice, he said that he gave all paperwork to them. I have a copy of that letter. They are illegally trying to collect funds from me.
06/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI XXXXX	Web	Servicemember
I tried to register for classes and was shown a hold from merchant 's and medical. I was told the amount of XXXX was owed for withdrawing from a class. The class was registered for on XX/XX/12 and withdrawn from XX/XX/12 for a Spring semester. I have never received funds for spring or summer semester and have never attended spring or summer classes. I advised them that this was fraud and they told me they WOULD NOT send a fraud packet and that the money must be paid. They continued to tell me they had send out fraud packets and refuse to do so again. They were mean and rude and kept threw it in my face that we were on a recorded line as if I was unaware of what I had said. Now I may miss signing up for classes due to a debt I do not owe and horrible people who are money hungry.
11/16/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 48327	Web	Servicemember
Merchants & Medical Credit Corp. XXXX XXXX XXXX, XXXX, Michigan XXXX Has fraudulently reported a debt that is unrelated to me entirely. They have attempted to collect from me as well. They have been unresponsive to my calls and inquiries requesting personal information including my social security number and banking information whenever I try to determine the cause of the debt. When I do not give them my personal information they refuse to give me any further information on the debt. I am concerned that this debt could be the result of identity theft which is why I am hesitant not to give my SSN # or Bank ACCT # and ROUTING #. These seem like bizarre requests in order to gain more information anyway. I am concerned that this is a criminal enterprise.
02/12/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43207	Web	Servicemember
This debt showed up on my credit report under a company named XXXX XXXX XXXX XXXX. The partial account # XXXX. The Original creditor is XXXX XXXX XXXX XXXX XXXX. This is not my debt at all. Never went to school there. I disputed this though XXXX. My dispute Report # XXXX and on XX/XX/XXXX, they told me that it was verified as accurate, which can not be the case because I never went to school there and this is not my debt. This is however hurting my credit report and my score and hurting my process of buying a house. The amount of this debt is {$260.00}. This account was opened in XX/XX/XXXX in XXXX XXXX MI. I however live in XXXX OH. And at the time of this situation i was currently XXXX and it was impossible for me to enroll into that or any other school.
02/26/2021	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MI 48060	Web
Merchants and medical are trying to collect a student debt from a local college from me the debt is less then XXXX dollars they call multiple times a day including the weekends i have spoken to them several time to explain that i do not have the money at the moment but fully intened to pay back the debt to the college directly. I habe spoken to the college about this Today they call me and I am once again explaining this very politely and then begin to question me about my employer. I tell them I am not comfortable giving out that information to which the debt collector replies that they will find out and do what they have to do on my end. I will not be able to pay a debt if i get fired after they start harassing my employer. I need help to stop them.
01/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48433	Web
XXXX XXXX sent Merchants and Medical my detailed medical information without my written authorization they have what was performed while I was in the hospital what medication I was given full details which is violating the HIPPA law also they do not have a sign contract to have my medical information so there for I do not have a contract/debt with their collection agency and have written them several letters asking them for proof of my signature for them to have my information and all they can send me is a copy of the bill this debt needs to be removed from my credit report other bureaus I have contacted have removed other medical because of this very same reason but they will not and it is against the law! They also deleted it and relisted it as well
03/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI XXXXX	Web
Re acct number XXXX I sent a validation request to this company late XX/XX/XXXX. I have disputed this item 3 times with the credit bureau. I disputed in XX/XX/XXXX. I also sent dispute letters XX/XX/XXXX and XX/XX/XXXX.They have been unable to send me a signed contract or validation to verify this debt. The information is incorrect and not validated with a signed contract. I have tracking numbers for my request sent on XX/XX/XXXX. I can provide as I sent my letter certified. The address on the account is not mine either. I have never lived there in my life. This account needs to be removed from my credit reports ASAP as Its invalid and not validated. I will proceed with a XX/XX/XXXX complaint, submission to my attorney general as well.
06/27/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IN 46619	Web	Older American
Trying to collect a debt because I fired an incompetent Doctor and Hired another to Do my XXXX as a result they have Decided to add two Amounts that total more than XXXX XXXX Dollars so I would not be able to have this fraudulent Amount excused on XX/XX/22 they are in complete control of this and have continued to harass me with unwanted Phone Calls and Threats I previously had several debts removed because of the XX/XX/22 act but this last one the decided to add together making it {$660.00} and above the {$500.00} Amount I have no control over what they decide to type up and send you are my last resort I have talked about this at Church and you are my last Hope I shall appreciate any help that you can give Sincerely!, XXXX XXXX XXXX
12/20/2021	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MI 48446	Web
On XX/XX/2021, I was made aware through the website XXXX XXXX that Merchants & Medical Credit has been added as a derogatory mark towards my credit. Merchants & Medical have not tried to notify me directly ( Neither written or by telecommunication ) about this debt they are trying to collect. XX/XX/2021, I contacted Merchants & Medical about this debt, and tried to negotiate a " pay-to-delete '' solution. They complied with this. Although, when I requested to receive written agreement for the " pay-to-delete '' before I made the payment of {$500.00} in full, they stated it was against company policy to do so. I feel as though I did not receive the fairness I should've that is stated within the Fair Credit Reporting Act.
06/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI XXXXX	Web
I spoke with XXXX from XXXX XXXX XXXX XXXX on XX/XX/2020 in regards to a debt with XXXX XXXX XXXX. I asked if they would be able to send the debt back to LDA and she stated no. I then offered to pay the amount owed of {$130.00} in exchange for the account being deleted from all three credit reporting agencies. She stated they would request to have the account removed once payment was made. I proceeded to give her my card information to have payment debited from my account on XX/XX/2020. She stated the receipt would be available through their website on XX/XX/2020, however it wasnt available until XX/XX/2020. I check my credit report today XX/XX/2020, and the account is still reporting to all 3 credit reporting agencies.
02/08/2022	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	MI 48167	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that XXXX and XXXX has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX and XXXX are reporting inaccurate information on M & M CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Also, I tried contacting the XXXX and XXXX Credit Bureaus to request a complete payment history with this account for me to review the exact date on which the collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
10/07/2021	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	MI 48223	Web
On XXXX I sent this company a debt validation letter to validate a collection they placed on my consumer report. They responded back with some XXXX simply listing my name and the amount they claim I owe ... .No actual documents with my signature, or proof that the debt belongs to me. I sent them another letter on XXXX, telling them what they provided was not enough, and requested documents again. They responded saying that my request was the same and they will no longer investigate. They are scammers of a company and clearly disregarding consumer protection laws granted in the FDCPA and FCRA. Their response simply proves that they don't have the docs required to collect on this debt and report to the bureaus.
10/07/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MI 49509	Web	Servicemember
M & M has been attempting to collect a debt that was my vehicle insurance responsibility in the first place as this was part of a hit and run accident where the other vehicle was never found. A police report was made due to the issue, but it was never followed upon. As Michigan is a no-fault insurance state, this bill should have never fallen on my shoulders and M & M is a very deceptive and aggressive agency on their collections tactics. Even when I did not accept responsibility for the debt, I made an attempt to make a settlement which they refused. After that their agents started asking for personal information such as my employer, my payment day, my banking institution, and other job-related questions.
04/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48375	Web
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. It's been more than 8 months and you have never given me any response to my request to validate the debt and 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 XXXX XXXX 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.
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48439	Web
I XXXX XXXX sent Merchants And Medical a cease and desist notice XX/XX/XXXX on a CFPB complaint with another cease and desist in writing. As of today XX/XX/XXXX Merchants and medical has violated the FDCPA by continuing to report several alleged debts on my consumer report which is in violation of 15 USC 1692C ( C ). My consumer reports are considered a medium of communication under the FDCPA. 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. I demand all accounts listed on my consumer report by merchants and medical be removed immediately and cease further collection activity through ALL mediums.
09/28/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	ME 040XX	Web	Servicemember
Merchants and Medical is attempting to collect debit on a XXXX card. The principal is {$29.00} and they are trying to collect {$280.00} and or settle for {$170.00}. I told them i am willing to pay what I owe in principal and some late fees. We had moved and XXXX only attempts to notifiy us was by way of postal mail. Merchants and Medical agent is very rude and made comments regarding my personal financial state outside of the debt they are trying to collect. Stating that we are probably paying high car interest rates as well because we do not pay our bills. The status of my other bills are not their concern nor should they comment on them. This is clearly a game they play which needs to be fixed.
02/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32909	Web
M & M CREDIT is reporting negative information to my credit report as a debt collector. The debt they have reported is for {$300.00} from XXXX XXXX XXXX. I do not desire to work with a collection agency under any circumstances for this reported debt. The debt is with XXXXXXXX XXXX XXXX and I am able and willing to settle the debt with them. The reason the debt with XXXX XXXX XXXX was not been paid, is because I believe I was charged excessive fees for an overdrawn checking account. I've been in contact with XXXX XXXX XXXX multiple times regarding the debt but did come to an agreement for the settlement amount. I would like to settle this debt with XXXX XXXX XXXX directly.
11/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48141	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
03/14/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11233	Web
Merchants and Medical Corporation has violated numerous sections of the FDCPA and FCRA. The most glaring of these offenses being lack of verification within the first 30 days of communication. This is my second complaint with this specific issue to the CFPB and upon research have found numerous others. I have remained within my rights while dealing with this company and even on XXXX occasions stepped out with an olive branch and offered to accept a letter of deletion considering how worried they are of not being paid. They have also refused to produce proper means of securing an address or business license number for me to move forward with a civil case against them.
02/25/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48213	Web
The balance from my M & M CREDIT ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) with the account number XXXX was paid to the physicians company who stated they would verify as paid in full with your bureau. No update was made. This company has engaged in deceptive practices and violated the Fair Debt Collection Practices Act by reporting a balance on a paid in full and closed account. Please contact this company, verify as Paid, and change status immediately. Please note you are also reporting my private health information. To do so, you must provide your HIPAA clearance to me. Please provide documentation proving that you are not abrogating my rights by reporting.
10/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30274	Web
I left my apartment with a zero balance in a month to month lease. This property had no structured management therefore after paying the last month rent to the maintenance man I was unable to retrieve my security deposit or sign out of the property correctly. I decided to move on leaving my deposit. I recently checked my credit report and after 4 years this collection showed up. I checked to see if the property still remained and was able to reach a extremely difficult and uncooperative manager that would not help resolve the issue. I was told I did n't give management notice so they kept my deposit which was one months rent and added a $ 1500+ debt.
03/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48187	Web
In XX/XX/2021 I received a phone call from Merchants and Medical stating I owed a debt, but didn't tell me who it came from, and I had to pay. I explained I had no knowledge of the debt and have never received any type of notification other than this very phone call. I requested documentation and proof of the debt be sent to my address and informed them I've lived at this location for 6 years. If they had sent anything, I would have received it. As of today I have not received any documentation of the debt, how much I owe and how to dispute it. Merchants and medical have placed the collection on my credit report without properly notifying me.
05/18/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48322	Web	Older American
I had my automobile repaired at a collision shop after an accident. The collision shop agreed to provide me a free rental vehicle while the car was being repaired from XXXX XXXX located next door to the collision shop! XXXX asked for and I agreed to provide my Debit Card SOLELY if there was any damage done to the vehicle which I drove while the collision shop repaired my vehicle! The rental car was returned WITHOUT ANY DAMAGE, the collision shop paid for the rental but XXXX XXXX charged my Debit Card without my permission! They have now turned me over for collection with Merchant 's & Medical Credit for more than XXXX XXXX wants, {$210.00}
04/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 44145	Web
The debt is related to the rent payment for the apartment. I had a agreed monthly rent amount. I left the apartment sometime in XXXX 2015 and the apartment complex asked me to pay more than what I should be paying. I disputed this payment amount and wanted to pay the legitimate amount according to my lease agreement. The debt collector did n't send me a notice for collecting the payment. They never tried to reach me. 1st time I knew about a debt collector is from my credit report! Even after asking for a written notice, they refused to send me XXXX. I think that its unfair that the debt collector is behaving like this way.
01/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 480XX	Web
I have only received phone calls with limited information from a company called Merchants and Medical. They have been very harassing and threatening. I called the hospital they claimed I owed money to. According to that medical facility, I do not owe anything to anyone in that system. The lady said it was {$260.00} and it has shown up on my credit report as {$200.00} This also is very suspicious. I did not receive any paper bills in the mail, nor did I receive any notifications that I had an account that would end up in collections. I am currently disputing these collections charges on both of my Credit reporting agencies.
06/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI XXXXX	Web
I keep getting multiple phone calls a day from this company despite not having any contracts or anything with them. They keep calling in reference to a debt that for one isnt owed to them and that I have already paid! This has already cleared my account and I have even told them that its been paid but yet they keep contacting me and threatening to add this to my credit report. Well if they do I will have no choice but to exercise my consumer rights and take legal action against them! This would be the FOURTH FRAUDULENT time theyve done this to me, Ive had to report them multiple times earlier this year!
04/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48125	Web
I had my annual health/physical check up with The XXXX XXXX XXXX XXXX in 2019. All annual health/physical check ups are free with my employers private health insurance. I received a bill for blood work. I submitted a letter to the hospital asking them to bill the insurance company as they had done in the past as that's part of the annual health/physical check up. Instead, they began charging fees and interest and sent the bill to collections to M & M Credit. The are reporting this to the credit bureaus and are damaging my credit reports and score because of their own bad administrative practices.
04/01/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 49509	Web
Half the problem is I have no idea where this came from or why I would owe money to XXXX College when I had student loans that took care of that. MERCHANTS & MEDICAL Credit is trying to get {$920.00} from me and looks like they or someone else has changed report dates as I went to XXXX a long time ago and shouldn't owe anything at all. Each time I try to get this verified I get nothing and it just says it has been updated when I dispute. I would like this removed from all of my reports and not sold to another creditor as I feel they have been changing dates to up the drop off time. Account # XXXX
06/07/2016	Yes	Debt collection Medical	False statements or representation Indicated committed crime not paying	AL 364XX	Web
Has contacted me repeatedly via a third party. Insist that they have sent me information regarding a debt. I have never seen the original debt nor the communications from the collection agency because they refuse to send. Agents have refuse to give me adequate information to validate the debt such as account number, original debt amount, company, and dates. Agents will not give me information regarding their agency and its validity such as name and number of who is calling. One particular agent used heated conversation as well as said " I have to pay or else '' and implied I was breaking the law.
07/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48228	Web	Servicemember
Merchants and medical is claiming that I owe them money. I never signed a contract with their company nor do I agree that I owe them. I had full coverage insurance during the time in question and have no idea why anything wouldn't have been covered. But again they haven't even provided me real proof that it's my debt or that it ever belonged to me and they refuse to remove it from my credit report. Sending a paper they typed up in their office doesn't equal proof that I ever had a bill with the hospital. I believe this is a fraudulant account which is why they haven't provided me with any proof.
07/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48045	Web
I used to get XXXX supplies from this company, but when my insurance no longer covered the expense we contacted the company by phone and asked to stop delivering. We ended up moving and unbeknownst to me, they delivered another package of supplies at the old address that was not forwarded and I never received. When I got a bill for the delivery, I wrote them and told them that I did not receive the supplies and also that I had phoned them before that and told them to stop delivering. This collection agency is now trying to collect AND they put it on my son 's credit report as well.
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48180	Web
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, MERCHANTS & MEDICAL CREDIT CORPORATION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. MERCHANTS & MEDICAL CREDIT CORPORATION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
02/14/2022	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	MI 48111	Web
While I was attending XXXX University, I failed to drop a course I was taking at the moment. And I dont believe this was the actual balance when I was first contacted. I was under XXXX dollars. And during the time they were asking for the money I didnt have a job during Covid-19 from XXXX through XXXX. So I was unable to afford to pay for the balance. And the Unemployment wasnt going to be enough to provide for me and pay for the debt balance. Now I am currently working and going to school. So I just havent had time to go through my mail and read and contact anyone yet.
01/14/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48227	Web
On XX/XX/XXXX I requested verification of the debt from the debt collector as well as for itemized breakdown of procedures and cost of care and also to include a copy of my wet signature stating that I gave authorization to release my medical records to a third party. In my opinion I'm pretty pretty sure it is a violation of HIPPA laws for them to obtain my medical records. I did inform the that they were in violation and that I may have to take action. Plus have reason to believe that the Account numbers are wrong too. The total cost of the debt is {$1000.00}
01/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48228	Web
On XX/XX/2022 I was notified by XXXX and XXXX XXXX regarding a collection entry by the name of merchants and medical. As stated the original creditor was XXXX XXXX XXXX in the amount of {$550.00}. Then on XX/XX/2022 the collection agency updated the amount again to now displaying {$550.00}. I take no responsibility of owing merchant and Medical or XXXX XXXX XXXX of any amount stated above. I was not made aware of any accusations from this collection agency to dispute this matter effectively along with verifiable information with proof/contracts of any debt.
03/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60643	Web
I sent MERCHANTS & MEDICAL CREDIT CORPORATION INC. a Debt Validation Demand letter and they did not provide me with any of the information I requested regarding the validation of the so-called debt. The letter I sent was via certified mail # XXXX XXXX XXXX XXXX XXXX and was delivered to the company on XX/XX/2023. I am not liable for this debt, the company never provided me with the original contract with my wet ink signature. They have ignored all of my questions and are reporting this account inaccurately. I do not have a contract with this company.
05/28/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AZ 85037	Web
XXXX sent my debt to a collection agency even though I was making payments on it. They never gave me written notice that the debt would be sent to collections. I received a letter on XX/XX/XXXX from Merchants and Medical Corporations , Inc. XXXX saying that they were a debt collector and I had a bill of XXXX. They also sent me another bill for XXXX. If I am making payments with them and they are on-time payments, how can they send this to collections? It has ruined my credit. My online account at XXXX has been removed and have no access to pay.
01/10/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI 49444	Web
Service on XXXX. Was transferred from XXXX XXXX XXXX XXXX Michigan to XXXX XXXX XXXX in XXXX Michigan. Received a bill from ambulance provider I called them to notify them that after contacting XXXX the bill was to be paid through the hospital. I have not heard nothing from either party until I checked my credit score to find out the EMT company opened some credit card on XXXX without notifying me the situation hasnt been resolved. Now the M & M credit company put it into collections. Ive never received nothing from any parties involved
07/12/2019	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	MI XXXXX	Web
A female representative from Merchants and Medical Credit Corporation, called my job, without stating who she was, nor where she was calling from asking for me and when asked did she want to speak to me, she stated No! I knew she worked for XXXX XXXX XXXX and hung up the phone. I am a XXXX XXXX, therefore I work at several locations and this person choose a branch where she could speak to a co worker instead of our home office. Therefore, this co worker calls me at another job site asking why are these people calling around looking for me.
05/18/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	IL 600XX	Web	Servicemember
I have con tacted M & M Credit several times disputing this debt. The company is reporting the debt on multiple credit bureau accounts with different amounts which is another violation of the disputed debt. I have disputed this debt and have not received any verification or validation proving this is my debt. I requested the account to be permanently removed from my credit report. My original dispute was XXXX XXXX . Merchants and med cr edit ( M & M ) in a mounts of {$4700.00}, {$61.00}, {$370.00}, and {$4200.00}.
02/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48198	Web
I contacted MERCHANTS & MEDICAL CREDIT CORPORATION INC on XX/XX/XXXX reguarding a collection they put on my XXXX credit report for {$120.00}. I told them i dont owe them anything i never signed a contract with there company for anything and if they do have proof of me owing them a debt to please foward all information of validation to me as of XX/XX/XXXX the company has refuse to respond to my request. On XX/XX/XXXX they sent a verification to XXXX saying the debt is mine but refuse to provide and proof that it is.
08/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 94040	Web
As shown in the attached, I disputed this debt in XXXX XXXX ( within one month of " Dated Opened '' ), because I had a payment arrangement with the original creditor and the original creditor agreed to withdraw it from the debt collector. The debt collector hasn't sent a verification letter to me or called me regarding this debt since then. But they reported this debt to credit bureaus on XX/XX/XXXX, which violated federal law : they should stop any collection behavior until sending me the verification letter.
03/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 60099	Web
My son went to the XXXX when he was XXXX and out of XXXX. He was covered under my insurance plan so he gave the hospital my insurance information. There is a balance due of around {$1000.00}. A collection agency keeps calling me saying the debt is mine. I have repeatedly explained to them that he was XXXX and not a student when he incurred the debt therefor the debt is his. also gave them his phone number to contact him directly. They still call me daily telling me it is my debt and I am responsible for it.
03/07/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48066	Web
Merchants & Medical Credit on the behalf of XXXX XXXX in XXXX has called family members of mine to get my personal information. On XX/XX/2018, they called my grandmother, even though they have my contact information. They called her cell phone and home phone number within a 5 minutes of each call. If a debt collector already knows how to contact a consumer ( they have location information ), then there is no reason to call a family member, friend, or co-worker, they also revealed my debt to a third party.
09/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48205	Web
I sent a certified mail letter to XXXX Credit Bureau on XX/XX/XXXX to validate the account that was opened on XX/XX/XXXX with the amount of {$160.00} they are reporting on my credit report. XXXX responded saying they would contact the creditor about the item I disputed and have results back in required time if not they will update and delete information. They have failed to send any validate information or delete from my credit report but they are still updating the status of the account
04/16/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 483XX	Web
Requesting Merchants & Medical Credit Corp. to stop all calls via phone, I have attached the Cease and Desist letter which is also being mailed to them. I spoke to a representative today who made me very nervous threatening this debt will ruin my credit. I am not sure if I owe this debt therefore I am also requesting more i formation concerning it. Particularly the complete accounting and confirmation if Merchants & Medical Credit Corp.actually has the legal right to this alleged debt.
04/14/2023	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48146	Web
I have a balance with XXXX college of {$1500.00}. The representative stated I could only make 4 payments to avoid this being on my credit report. I did set up payments to avoid this however someone hacked my checking account and the first payment was returned. I can not afford the payment of {$400.00} every 2 weeks at this time. Until my account is credited and everything is caught up I can afford {$100.00} a month for the time being. I do not want this to hit my credit.
12/02/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 11233	Web
Merchants and Medical Credit began reporting on a debt they had acquired on XXXX XXXX 2014 and never sent written notice despite it being required under section 806 of the FDCPA. For 3 years they have been holding my financial life hostage and only recently came to my attention. Despite many disputes with the big three credit reporting agencies section 806 has been ignored and they have continued to break and ignore the proper procedures set forth by the FDCPA.
10/09/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 48080	Web
In accordance with Fair Credit Reporting XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also, this company has violated the XXXX XXXX including deceptive and unfair practices, and their reporting of my nonpublic information.
03/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web
On my XX/XX/XXXXcredit report, there is an amount of {$470.00} owed to Merchants & Medical Credit. The original creditor is XXXX XXXX. This debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion.
10/12/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	MI 482XX	Web
Hello I'm submit a complaint with Consumer Financial Protection Bureau about an account that's on my credit report with the credit bureau XXXX. The accounts named, M & M CREDIT ( XXXX XXXX XXXX XXXX XXXX ) presented since XX/XX/2015. I have disputed this account once before about the dates on this account being incorrect, also the balance and/or past due amount are/is incorrect. and credit score amount due {$6400.00}.
04/22/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	UNITED STATES MINOR OUTLYING ISLANDS 84120	Web
This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
01/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75287	Web
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. THE COMPANY XXXX & XXXX, PURCHASED DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION, ACCORING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS THE ALL CAPS NAME IS NOT ME. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAILS MY FULL COMPLAINT AND REQUEST.
12/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60607	Web
On XX/XX/2018, Merchant & Medical Credit Corporation , Inc. reported a fraudulent account to XXXX credit bureau. After numerous attempts to have the account removed from XXXX, I've been forced to file a complaint with CFPB. I've sent a copy of my police report to Merchant & Medical Credit Corporation , Inc. to prove that the account is fraudulent. I'm a victim of identity theft.
01/16/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	MI 48227	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
04/08/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	VA 221XX	Web	Servicemember
I went to the hospital back in 2018 and I paid with my medical insurance that was supposed to cover any payments, months later I received a letter stating I was owing money to the hospital so I went to the hospital and they said I was not owing anything due the insurance paid it off so now I checked XXXX XXXX and I saw this account saying I owed almost 300 bucks out of nowhere.
01/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48505	Web
Merchants & Medical Credit at XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$2400.00} and a second account in the amount of {$570.00}. the collections has been reported as past due balance, i do not know this company.i have never done any bussiness with this company, this company does not have a contract with my signature on it ... .....
07/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48180	Web
Asked for original documentation to verify the debt owed and from when and failed to provide validation. When I tried to dispute the credit reporting stating the dates that they are reporting are on accurate along with the amount owed and not a verified debt they keep saying that is true and verified. I have not received any information on this debt to verify the information.
04/18/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48316	Web
I have had two calls from your company regarding a XXXX co-pay from XXXX XXXX Hospital, which confirmed last year that my balance was XXXX. I requested your people to check back with XXXX XXXX ... because I do not owe the {$25.00} and they asked for my address. I do n't give out my address to inbound callers and do n't you have it? If these are legitimate debts you should!
04/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48066	Web
M & M added a medical bill to my credit report. This bill was paid in full with the company. I have spoken with the company, billing department and the collection company. This action caused my credit score to lower. I would like this matter resolved and removed from my report immediately. The charge is for {$53.00} with XXXX urgent care bill was paid in full XX/XX/2018.
02/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN XXXXX	Web
I had previously submitted a dispute with Merchants & Medical on XX/XX/2017 in regards to an unidentifiable collection account on my CR. In the letter sent prior to the dispute with CFPB I requested VALIDATION of the debt I owe sent back in 30 days or delete it from my CR ; validation was never provided which violates the Fair Debt Collection Practices Act.
08/21/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28262	Web
Recently, Merchants & Medical started reporting a {$1100.00} balance on my XXXX credit report. Prior to this account showing up on my credit report, I never received any notice of my right to dispute. I have written Merchants & Medical asking them for a detailed explanation for this debt, but I have still yet to receive any explanation at all for this.
07/22/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI 485XX	Web
Merchants and Medical continues to skirt the law by placing items on a persons credit report before validating the debt then when complaints are filed they provide false documentation that a validation letter was sent out. They also continue to verify the debt with the credit bureaus even though they have not followed the law regard debt collections.
07/12/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 49022	Web
I am being harassed by phone calls, letters this creditor who has not validated this debt says I supposedly owe. I never signed any promissory notes with merchant and medical. I have sent certified mail to them requesting they validate the money I supposedly owe. And to stop reporting this information to credit beureas until it has been validated.
01/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48507	Web
Merchants & Medical Credit Corporation at XXXX XXXX XXXX XXXX XXXX mi,48507 has been sending me collection notices in the amount of {$220.00} the collection has been reported as a pastdue balance.i do not know this company, i have never done any bussiness with this company, this company does not have a contract with my signature on it ... ....
01/23/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48505	Web
MERCHANTS & MEDICAL CREDIT CORPORATION INC AT XXXX XXXX XXXX XXXX, MI XXXX HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF {$98.00} THE COLLECTION HAS BEEN REPORTED AS A PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ....
04/26/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60617	Web
THIS ACCOUNT HAS BEE REMOVED BY MERCHANTS AND MEDCAL ON XX/XX/XXXX AND NOW HAS BEEN SOLD TO THIS COMPANY AND HAS REAPPEARED ON MY REPORT WHICH A VIOLATION OF THE FCRA AND FDCPA, ... .MERCHANTS MEDCAL HAS PLACED AN " Account has been validated note '' ON MY CONSUMER FILE THEN SOLD THIS ACCOUNT TO THIS NEW COMPANY, M & M CREDIT INC .
02/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48221	Web
Merchants and Medical is attempting to collect a debt that I do not owe. They have sent fraudulent collection notices demanding payment for a negotiated and settled medical debt. I believe this erroneous debt has also been placed on my credit report, which, if true, will cause me irreparable harm. Reference numbers # XXXX # XXXX
05/04/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 278XX	Web
Merchant and Medical Credit Corporation violated the Fair Debt Collection Practices Act, Telephone Consumer Protection Act, North Carolina Collection Agency Act, and other applicable state statutes for its ' continual calling me for someone's else debt which I informed the representative several times that this is a wrong number.
05/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46112	Web
Took one course at the college. I am not the authorized or guarantee of the account. The school attempts to charge me through creditors, not the other person. School never notified me, illegally listed me as a resident of their campus and attempt to fraud my credit reports. One creditor agreed to remove yet still on my reports.
01/24/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MI 48507	Web
MERCHANTS & MEDICAL CREDIT AT XXXX XXXX XXXX XXXX XXXX XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$50.00} THE COLLECTION HAS BEEN REPORTED AS A PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT ......
03/29/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	UT 84720	Web
My case worker received the information on this debt. I believe that the original creditor is trying to collect the wrong amount of {$1500.00}. These charges are for damages made after a tennant moved from there residence in XXXX. I was renting that same trailer in XXXX. There trying charge me for damages that aren't mine.
04/13/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33322	Web	Older American
I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt.
09/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IN 46304	Web
The company failed to provide me with a right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
09/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IN 46304	Web
The company failed to provide me with a right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
02/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT 84720	Web
I recently checked my credit report and I found a derogatory debt that I owed. I don't recognize the company who reported it to the credit agency. It stated that I owe {$1900.00}. The debt I owe was reported XX/XX/2021. It is a collection account from M & M CREDIT. The original lender states XXXX XXXX XXXX XXXX.
08/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI XXXXX	Web
I called Merchant Medical once in XX/XX/2020, and again in XX/XX/2020 to have XXXX XXXX taken off my credit report because the debt was paid.I still have the debt on my credit report.I contacted XXXX XXXX and they say I owe nothing. Merchant Medical is ignoring this imformation, and continuing to ruin my credit.
05/07/2018	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	MI 48235	Web
XX/XX/2012 First Reported XXXX XXXX XXXX XXXX Original Creditor I have never stay in this apartment. This apartment is in XXXX mi XXXX XXXX Is my sister There are a great of names on my credit report thats not mine XXXX forrer XXXX Michigan XXXX This the only address that should be on my report
10/13/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48088	Web
I am over charged for damages to my apartment. I was unemployed from covid and they tried to charge me multiple late fees and that was not allowed during the time. They said I was responsible for things that werent even damaged to get more money from me when they already kept my deposit.
12/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48167	Web
M & M credit is reporting an account that does not belong to me of {$150.00}. I called this company and have never done any business with them. I have no knowledge of this account and it is negatively impacting my credit worthiness. Stop reporting this information to my credit bureau 's.
11/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48228	Web
( XXXX & XXXX ) HAS VIOLATED MY RIGHTS. THE ACCOUNT SHOWED UP XX/XX/2022. 15 U.S. CODE 1681 SECTION 602 A. STATES THAT I HAVE A RIGHT TO PRIVACY. 15 U.S. CODE 1681 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
02/15/2022	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	MI 48433	Web
Merchants and Medical has placed XXXX medical billson my credit report and I have asked them several times for validation of these debts toshow that they have my permission to have my personal medical information which they sent me a detailed statement which is violating the Hippa Law
11/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48021	Web
A third party debt collector is contacting me claiming I owe a medical bill. I explained to the debt collector my insurance covered those charges, but the debt collector continues to claim I owe this debt, they have yet to provide me any further proof that I owe this debt.
02/02/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MA 01830	Web
THIS COMPANY HAS CALLED MY WORK PHONE AFTER I TOLD THEM TO STOP CALLING, THEY ASKED TO SPEAK TO PEOPLE SITTING NEXT TO ME THEY ASKED THE RECEPTIONIST TO PAGE ME AND KEPT ASKING FOR A CELL PHONE NUMBER AT MY PLACE OF EMPLOYMENT. THEY CALLED MY CELL PHONE 13 TIMES
07/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 481XX	Web
I have reached out to this company numerous times since XX/XX/2019 regarding this account that does not belong to me. The original creditor sold this fraud account to M & M credit agency and they have been harassing me and falsely reporting on me credit report.
03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48473	Web
Negative event on credit report. Never contacted regarding billing for unknown service. Tried to call and discuss company wanted too much personal information. If the company can post to my credit report they would have obtained the information requested.
01/08/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 48066	Web
Called a distant relative of mine trying to get personal information about me. The company has my phone number, social security number, address, etc. Calling people that you think are related to me and trying to find out where I work is not the way to go.
10/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48035	Web
This company was sent various certified letters requesting debt verification documentation & debt removal over 50 days ago. However, they havent responded to any of the letters and is continuously reporting inaccurate information to all 3 credit bureaus.
07/06/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48312	Web
This bill was paid off. I contacted XXXX XXXX at that time since I was employed and had a low income status, such as currently and they erased the hospital debts 100 %. I also had the same with XXXX health systems. I make around only XXXX right now.
01/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48439	Web	Servicemember
Unknown and unowned debt doing years of harm by this unknown creditor. Not sure where these debts are coming from but they are not mine. Several Merchant and Medical accounts that I have never heard of with various balances. See attached image.
05/01/2020	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MI 48313	Web
When calling the creditor to discuss, I am not getting an answer. I was never reached out to by the bank, nor the creditor about this " charge '' alone, even prior to the account being sent to collections. The account was not an active account.
01/21/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 71603	Web
I have two medical debts appearing on my credit report from Merchants & Medical that I 've disputed on two different occasions and they have yet to properly validate each debt with original documentation or anything with my signature attatched.
03/07/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 61604	Web
I recently checked my credit report and seen that I have a collection claim on my account from M & M Credit for {$680.00} however, I have never done any business with this company and dont know why or how this is popping up on my credit report
06/18/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	VA 23112	Web
A woman calls up to XXXX times a day and has left several messages on my employer 's voice mail stating that she is calling regarding an unpaid debt. My employer has threatened to relieve me of my duties if they continue to contact me at work.
04/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 28209	Web	Servicemember
I called and advised them it was not a valid debt & that I was suing the creditor. I asked for validation of the amount because it was inaccurate. Within a week, without validating the debt the collection agency reported it to credit bureaus.
03/07/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA XXXXX	Web
I have tried disputing this collection debt account. I have requested full verification of this account. I have not had any success with my attempts to get this debt account validated by the credit reporting agency or the original creditor.
09/11/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 34677	Web
I do not recall owing any medical, this might be my fathers whom past away which was also XXXX XXXX past away XXXX/XXXX/2013. I have requested verification several times in a dispute nothing received. I want this off of my credit report.
03/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48213	Web
I never entered into a contract with this company for any reason. They have furnished my credit report with negative information. This action was taken illegally without my consent. I've sent removal letters to company with no response.
08/17/2018	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48036	Web
I called the company to let them know I do not owe them the debt the person I was speaking to get hostile with me told me my credit would be damaged my work check will be taking in my federal government taxes would be taking to
09/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33313	Web
XX/XX/2016 collection name is M & M credit XXXX XXXX XXXX XXXX, MI XXXX Amount : XXXX usd This Collection is an amount that I claim no responsibility over the debt is not mine. Im most likely a victim of identity theft.
03/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48221	Web
I have a debt collection reporting on my credit that I do not recognize. I have no knowledge to where this debt originated from. It states a school that I never attended for services that I have never used.
12/27/2018	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	CA 92807	Web
On XX/XX/2018 I received a phone call from this debt collector at XXXX XXXX PDT from their telephone number XXXX. In addition she did not even know who she was calling and said the wrong name at first.
01/31/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AR 71603	Web
Debt was disputed online, Merchants & Medical sent me an inproper validation of debt with no signature or original contract from the XXXX XXXX XXXX which is the original creditor.
10/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48111	Web
I believe I have been a victim of identity theft. I have never transacted business with this company. I have a fraudulent account reported on my personal credit report.
12/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 481XX	Web
This is an account that shows up on my report but isnt mine. I disputed the account numerous times but never got any validation or verification that it is my account.
07/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43211	Web
They are attempting to collect a debt that doesn't belong to me. They are demanding immediate payment from me without providing any proof they have the right person
08/01/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48021	Web
This debt collector is trying to collect a debt that was paid. They never contacted me to verify anything. They are reporting false information concerning me.
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43615	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43607	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/21/2020	No	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	MI 48911	Web
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.
02/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48433	Web
I was recently notified XXXX & XXXX XXXX placed a mark for collection on my credit and I have no prior remembrance of this billing.
04/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 480XX	Web
XX/XX/2020 Collection company ( M & M Credit ) is saying I owe {$590.00}. I have disputed and explained this is debt is not mine.
03/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 490XX	Web
Disputed with credit bureaus many times. Merchants medical has yet to provide me with proof of this account belonging to me.
10/22/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48038	Web
I recently pulled my credit and saw several accounts that were fraudulent, it is ruining my credit and my life.
02/28/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48038	Web	Older American
There are 2 accounts which i paid in full ones for XXXX n the other is XXXX they both been payed in full
03/11/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MI 48228	Web
Merchants and Medical reporting erroneous accounts to XXXX credit bureaus that have not been verified
10/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48602	Web	Servicemember
Identity theft reported from a data breach from MICHIGAN Unemployment agency data breach.
09/05/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	MI 48235	Web
A collection of {$650.00} on XX/XX/XXXX popped on to my account.
01/13/2021	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 32837	Web
was in the hospital and then had a XXXX XXXX and have XXXX.
12/06/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32404	Web
Sold to third party to collect a charge off account
08/09/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MI 48507	Web	Servicemember
This bill was discharged in bankruptcy 2 years ago
07/03/2018	Yes	Student loan Federal student loan servicing	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48036	Web
I receive XXXX not trying to get it removed
03/04/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60617	Web
ACCOUNT IS NOT VALID AND IS NOT MINE.
04/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30331	Web
Please see attached documents
02/09/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	MI 49203	Web

01/11/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60643	Web

12/29/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48212	Web

12/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48223	Web

12/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48228	Web

12/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48228	Web

10/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48237	Web

09/03/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 48439	Web

08/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48234	Web

08/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48234	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48234	Web

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48088	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48433	Web

07/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48035	Web

07/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48219	Web

06/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48035	Web

05/14/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60601	Web

05/01/2023	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	MO 64128	Web

03/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10306	Web

03/22/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48026	Web

02/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48035	Web

02/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48223	Web

01/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	KS 66112	Web

12/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web	Servicemember

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30044	Web

11/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48174	Web

10/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 17520	Phone

10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30044	Web

09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48234	Web

08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77047	Web

08/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53154	Web

08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48393	Postal mail

06/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48198	Web

06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48187	Web

06/08/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48204	Web

05/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 49519	Web

05/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 49519	Web

05/27/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MI 49221	Phone

05/04/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	MI 48911	Web

03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48507	Web

02/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48313	Web

02/16/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29072	Web

02/13/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48439	Web	Servicemember

02/08/2022	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	CT 06902	Web

12/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48223	Web

12/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49442	Web

11/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48503	Web

11/18/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43026	Web

11/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48167	Web

10/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48322	Web

10/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48152	Referral

10/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48237	Web	Servicemember

10/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48322	Web

09/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48532	Web

08/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 46319	Web

08/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 49008	Web

08/12/2021	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	MI 48237	Web

07/22/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 49022	Phone

07/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48089	Web

07/15/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48219	Web

07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48111	Web

06/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48111	Web

05/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48439	Web

04/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48519	Web

04/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48235	Web

03/31/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48174	Web

03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31069	Web

03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31023	Web

03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30093	Web

02/23/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48160	Web

02/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48230	Web

02/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web

02/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 16509	Web

02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48336	Web

02/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48076	Web

01/22/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ND 58701	Web

01/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48227	Web

01/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48331	Web

12/30/2020	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	IL 60067	Web

12/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48519	Web

11/18/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KY 40517	Web

11/02/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 49037	Web

11/02/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 49037	Web

10/16/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48310	Web

08/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48239	Web	Older American, Servicemember

06/25/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60653	Web

05/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80204	Fax

05/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48240	Web	Servicemember

05/08/2020	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	MI 48108	Web

04/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48026	Web

02/03/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 91387	Web

01/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48221	Web	Servicemember

01/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48035	Web

01/13/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	IL 60436	Web

12/11/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	IL 60436	Phone

11/12/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60534	Web

09/14/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90002	Web

09/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48051	Web

08/12/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85382	Postal mail

08/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70817	Web	Servicemember

06/24/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11434	Web

05/07/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 48473	Web

04/03/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48331	Web

04/01/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48042	Phone

03/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48026	Web

02/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48122	Web

01/29/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60619	Web

12/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53140	Web

12/06/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53140	Web

11/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27713	Postal mail

10/24/2018	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	IL 60624	Web

08/23/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 48623	Web

08/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 45215	Web

07/06/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48223	Postal mail

05/09/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 49509	Postal mail

05/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48116	Web	Servicemember

05/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33772	Web

02/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37013	Web

02/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 47909	Web

01/29/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 48219	Web

01/23/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48076	Web

01/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48213	Web

01/14/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48080	Web

12/31/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37013	Web

12/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37013	Web

10/30/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 61607	Postal mail

10/09/2017	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	NC 28052	Web

10/02/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web

10/02/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web

09/27/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	OH 43615	Web	Servicemember

08/23/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

08/01/2017	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	MI 48186	Web

07/14/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 76132	Referral

06/25/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MI 48219	Web

06/22/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 20147	Phone

06/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43615	Web	Servicemember

05/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43615	Web	Servicemember

04/28/2017	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	VA 20147	Phone

04/18/2017	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	IN 46517	Web

04/17/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MI 48451	Web

04/15/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	MI 48430	Web

03/17/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 62012	Web	Servicemember

03/15/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	MI 49203	Web

03/05/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MI 48228	Web

01/29/2017	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	MI 48529	Web

01/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MI 48875	Web

12/02/2016	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	MI 48390	Web

11/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48188	Web

09/28/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MI 483XX	Web

08/08/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AL 35216	Phone

07/26/2016	Yes	Debt collection Non-federal student loan	Communication tactics Frequent or repeated calls	MI 49546	Web

07/11/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MI 48504	Phone

05/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48122	Web

04/28/2016	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	MI 48423	Phone

04/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45230	Web

03/24/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	MI 48507	Web

03/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 48390	Referral

02/29/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	MI 48457	Web

02/05/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48152	Web

01/19/2016	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	MI 49610	Web

08/08/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	MI 48219	Web

07/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48189	Web

06/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 47031	Web

05/14/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MI 48076	Fax

03/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MI 48186	Web	Servicemember

03/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IL 60445	Web

12/23/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MI 48021	Web

12/16/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	MI 48439	Web

10/16/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IL 61101	Phone

10/14/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	MI 48428	Web

09/30/2014	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	MI 49007	Web

08/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web

08/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 48317	Web

08/06/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	MI 48876	Phone

06/06/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MI 48867	Web

04/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MI 48127	Web

03/17/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	VA 48823	Postal mail

01/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 15232	Web

12/02/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48310	Web

11/13/2013	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	MI 48219	Web

03/03/2013	Yes	Credit reporting	Incorrect information on credit report Account status	MI 48079	Web