Merchants and Professional Bureau, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32507	Web
This letter is in response to a negative mark found on my credit reports ( including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and all others ) from your XXXX XXXX XXXX XXXX XXXX , XXXX. FOR XXXX XXXX AND XXXX XXXX representing XXXX XXXX XXXX XXXX HOSPITAL company or any company that you represent, for a debt that I dont owe, contractual obligation to pay you is a violation of the FCRA & FDCPA ; & HIPAA LAW therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Regarding account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX. FOR XXXX XXXX AND XXXX XXXX and XXXX XXXX XXXX XXXX HOSPITAL from original date of XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX first letter dated XX/XX/XXXX. Has verified that the account they are reporting under my name is accurate. My letter dated XX/XX/XXXX, is included and informing them they have violated and I am reporting their company to multiple agencies. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau, Attorney Generals office and the Office for Civil Rights ( OCR ). should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX XXXX ( XXXX.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. XXXX XXXX XXXX XXXX XXXX , XXXX. FOR XXXX XXXX AND XXXX XXXX and XXXX XXXX XXXX XXXX HOSPITAL failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation of the Federal HIPAA Law 5. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 6. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) AND IN ADDITION XXXX XXXX XXXX XXXX XXXX , XXXX. FOR XXXX XXXX AND XXXX XXXX and XXXX XXXX XXXX XXXX HOSPITAL have violated the HIPAA Health Insurance Portability and Accountability Act of XX/XX/XXXX, Federal Law. I have informed them that by law I am under no obligation to owe any money. I will sue you for {$1000.00} in damages to start. I am filing a complaint with the health information privacy and security complaint with the Office for Civil Rights ( OCR ). Listed below are the obvious violations. 7. HIPAA LAW VIOLATIONS : Failure to adhere to the authorization expiration date - Patients can set a date when their authorization expires. A violation would be releasing confidential records after that date. 8. HIPAA LAW VIOLATIONS Failure to promptly release information to patients - According to HIPAA, a patient has the right to receive electronic copies of medical records on demand. 9. HIPAA LAW VIOLATIONS Improper disposal of patient records - Shredding is necessary before disposing of patients record. 10. HIPAA LAW VIOLATIONS : Missing patient signature Any HIPAA forms without the patients signature is invalid, so releasing information would be a violation. Missing any HIPAA form. 11. HIPAA LAW VIOLATIONS : Releasing information to an undesignated party - Only the exact person listed on the authorization form may receive patient information. 12. HIPAA LAW VIOLATIONS : Releasing unauthorized health information - This refers to releasing the wrong document that has not been approved for release. A patient has the right to release only parts of their medical record. 13. HIPAA LAW VIOLATIONS : Right to revoke clause - Any forms a patient signs need to have a Right to Revoke clause or the form is invalid. Therefore, any information released to a third party would be in violation of HIPAA regulations. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is included. They have violated the HIPAA Health Insurance Portability and Accountability Act of XX/XX/XXXX, Federal Law. I have informed them that by law I am under no obligation to owe any money. I will sue you for {$1000.00} in damages to start. I am filing a complaint with the health information privacy and security complaint with the Office for Civil Rights ( OCR ). Listed above are the obvious violations. FIRST STATEMENT : TOTAL BILL {$1500.00} TOTAL PAID {$1100.00} REMAINING DUE {$340.00} SECOND STATEMENT : TOTAL BILL {$1800.00}. TOTAL PAID {$1300.00} REMAINING DUE {$450.00} TOTAL to be DELETED DUE TO HIPAA VIOLATION {$830.00} There is still currently an inaccurate item being reported on my credit report from XXXX XXXX XXXX XXXX XXXX , XXXX. FOR XXXX XXXX. I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX As you can see, I have enclosed a photocopy of my certified mail being returned from the post office due to an invalid address. As you can see the company name is invalid. XXXX XXXX XXXX XXXX XXXX shows XXXX XXXX. However copies of original document violating the XXXX Law show the following : XXXX XXXX XXXX XXXX XXXX.
10/22/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32507	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SS : XXXX XXXX HIPAA Compliance Officer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Tx. XXXX XXXX. XXXX XXXX XXXX, Tx. XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX MERCHANT & PROFESSIONAL COLLECTION BUREAU , INC. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX FAX XXXX Re : XXXX XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX and MERCH & PROF CB Acct # XXXX XXXX To Whom It May Concern : This letter is in reference to Account XXXX for services provided to XXXX XXXX on XX/XX/XXXX and XXXX, XXXX. In regard to the bill on this account in the amount of {$800.00}. This figure is a combination of two different procedures that the XXXX XXXX XXXX XXXX XXXX preformed was for on XXXX and XXXX. XXXX XXXX paid XXXX XXXX with two different checks that were both split for both days for date XXXX in the total amount of {$1100.00} and for XXXX for the amount of {$1300.00}. For a combined grand total received from XXXX for me was {$2500.00}. On XXXX I paid {$30.00}. There for total money received {$2500.00} and then subtracted from the total invoice due {$3300.00} is the remaining balance of {$800.00}. Please be advised that under Federal Statutes, The Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and Texas s Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of Security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. You may be held liable for the actions of MERCHANT & PROFESSIONAL COLLECTION BUREAU , INC. Please note that these liabilities are under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX. ( a ) Duty of furnisher of information to provide accurate information. ( 1 ) Prohibition. ( A ) Reporting information with actual knowledge of errors. HIPAA and Texass Medical Privacy Statutes and the penalty provisions of the ARRA section D, privacy provisions, the penalty rules of the HITECH Act as issued XX/XX/XXXX and the Omnibus Final Rule effective XX/XX/XXXX and the FACT Act final rules effective XX/XX/XXXX are in effect in this situation. The Privacy Rules prohibits a covered entity from using or disclosing and individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. In general, PHI encompasses substantially all Individually identifiable health information that is transmitted or maintained in any medium. Individually identifiable health information includes health information that is created or received by a health care provider, health plan, employer or health care clearinghouse, and that relates to an individuals physical or mental health or condition, including information related to an individuals care or the PAYMENT for such care. Your furnishing of my account information to MERCHANT & PROFESSIONAL COLLECTION BUREAU , INC., is not in compliance with the HIPAA, or Texass Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and all others is a clear violation of Public Law 104-191 ( HIPAA ). I am requesting you promptly rescind all such account information furnished to MERCHANT & PROFESSIONAL COLLECTION BUREAU , INC. and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX You are also advised that you may be in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 of the Affordable Care Act. Please respond, in writing within 10 days acknowledging that you are processing this request. I am reserving the right, to take appropriate legal and civil action including reporting to any applicable regulatory authorities any lack of cooperation or compliance with this request. I hereby waive my right under HIPAA and any State Privacy Act for the single purpose of your transmission of this request and accompanying documentation in any required report you must make to your E & O insurance carrier. Sincerely, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Cc : Office for Civil Rights ( OCR ). Cc : XXXX XXXX XXXX XXXX Cc : XXXX XXXX XXXX Cc : XXXX XXXX Cc : Federal Trade Commission Cc : XXXX Cc : XXXX Cc : XXXX
10/12/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77429	Web
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : MERCHANTS & PROFESSIONAL ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT DETAIL : Open account XXXX, Collection XXXX, Collection Account XXXX DATE OPENED : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX PAYMENT STATUS : N/A XXXX, Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department XXXX, Unpaid XXXX LAST REPORTED : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, N/A XXXX LAST ACTIVE DATE XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX LAST PAYMENT DATE : N/A XXXX, N/A XXXX, N/A XXXX CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. Clear out payment history. Grant me my title lien free. No negative reporting Please provide me with a copy of my updated or corrected consumer file showing these items are removed. I demand the following listed accounts be legally verified by showing me the sources of verification or removed immediately. I assume that your company has verified the accuracy of these disputed items before you chose to published them on my credit report. Please provide me with copies of the documents that you have in your files as of this date that you used to verify the accuracy of the disputed accounts. Under the Fair Credit Reporting Act, in section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts listed above that you are reporting in my consumer file. It is my belief that the source documents used by the information provider are unreliable and that they have matched the disputed accounts to my credit file in error. Please verify that the social security number and signature on the credit application used to open these disputed accounts reported on my credit report are truly mine. You can do this by sending me a signed copy of the credit application that was used to open the disputed accounts. Please verify that all of the information given to you by the provider and then published on my report concerning these disputed accounts is accurate by sending me the documents you used to verify the accuracy of these items. *IMPORTANT* Please dont respond to my request by saying that these accounts have been verified by the information provider. Send me copies of the documents that you have retained in your files that your company used to verify the accuracy of these disputed accounts. I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness. If you do not have any documentation in your files that verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). You have not verified the accuracy of these accounts. At best, you have only parroted what the information the provider told you. The law is clear, that a credit reporting agency that does not comply with the verification requirement of 1681i if it simply parrots the information providers electronic response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my credit report. P.S. 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. After doing so please provide me with an updated credit report reflecting the changes.
07/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	CA 90047	Web
MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX, who is collecting on behalf of XXXX XXXX XXXXwas required to notify me prior to XXXX XXXX XXXX, or no later than 30 days after XX/XX/2017 failed to notify me about reporting derogatory info. to Equifax, Experian, and Transunion In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX XXXX XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. First, I never received any correspondence from MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, XXXX. A strong presumption of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt. XXXX XXXX v. Atty Gen., 506 F.3d 274, 279 ( 3d Cir. 2007 ) ( emphasis added ). A weaker presumption arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated. Id. In the absence of actual proof of delivery, receipt can be proven circumstantially by introducing evidence of business practices or office customs pertaining to mail. United States XXXX XXXX, 27 F.3d 890, 893 ( 3d Cir. 1994 ). This evidence may be in the form of a sw orn statement. Id. at 895 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 503 F.3d 415, 420 ( 5th Cir. 2007 ) ( a sworn statement is credible evidence of mailing for the purposes of the mailbox rule. ). However, because the presumption is weak where proof of receipt is attempted solely by circumstantial evidence, we require the affiant to have personal knowledge of the procedures in place at the time of the mailing. XXXX XXXX XXXX, 716 F.3d 572, 574 ( 3d Cir. 2013 ). The use of certified mail gets the benefit of the presumption only as long as the return receipt is presented. See, e.g., XXXX XXXX XXXX XXXX, XXXX, 2009 Wl 3488365 ( D. Az. Oct. 27, 2009 ) .Please see attached pdf documentation EXHIBITS. Second the FDCPA ( 15 U.S.C. 1692C ( a ) states Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I have not given either company the above written consent to contact me in connection with the collection of any debt alleged. Furthermore in the letter sent the name spelled is XXXX, XXXX my name is spelledXXXX. I have no known relationship with these companies MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, XXXX, and am unaware of how they have obtained my personal identifying information with my knowledge and/or consent.Also, did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights.Also, XX/XX/2017 failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of CA allows treble damages. Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX, Owner failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
04/12/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78665	Web	Servicemember
In XXXX of XXXX MERCHANTS & PROFESSIONAL inaccurately and irresponsibly reported multiple debts in collections to my XXXX, XXXX, and XXXX credit reports. I learned that MERCHANTS & PROFESSIONAL has been furnishing debts bought from XXXX XXXX XXXX and attempting to collect these invalid debts from me. I responded to MERCHANTS & PROFESSIONAL on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via certified online mail with a cease and desist for violating HIPPA and asking them to furnish proof of standing. They have failed to respond to either of my requests. Due to their negligence and inability to accurately respond to my requests, I will be pursuing legal action against MERCHANTS & PROFESSIONAL. My family and I are in the middle of purchasing a home. This behavior is unacceptable. The failure on behalf of the MERCHANTS & PROFESSIONAL have cause great pain for my family and I. Here 's a copy of my letter " ( personal info Omitted ) MERCHANTS & PROFESSIONAL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Acct # ( personal info omitted ) To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term 'breach of security ' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach : copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 1819229.1.2 Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to le charges and/? or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB XXXX XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time- barred as well as in violation of TX medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, ( Personal Info Omitted ) '' I have attached my latest letter
03/28/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75702	Web
Merchants and Professionals has been unable to provide proper documentation validating this account. I am seeking immediate action and to remove this negative information permanently from my credit reports. Merchants and Professionals is in violation of the HIPPA laws. I have sent multiple letters on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, asking this company to verify this account and I have not recieved a satisfactory response. The only response I have received is a general bill asking for a payment of {$140.00}. This is the letter sent for validation of the account. This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/XXXX. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under the federal law. Compliance with this request is required under the laws of state and federal statutes. Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this amount? 5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or compliants with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. I have sent a copy of the request for validation to the XXXX Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
08/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 191XX	Web	Older American
I, XXXX XXXX, is filing the complaint on behalf of my son, XXXX XXXX, presently not in the country. And, was not in the country at the origination of the debt during XX/XX/2019. The original bill is via a company named XXXX, where the only communication began with the billing of the amount {$300.00}. The origin of this bill began with an application named " XXXX. '' " XXXX '' began texting XXXX during XX/XX/2019 about monthly savings on bills. I have never solicited any service from " XXXX ''. At no time was there a live individual. Everything was via text messaging. The people or customer service representative was unknown. " XXXX, '' and those behind the scene, strangely reviewed my bills and stated that they could save me money. I was curious but there was no agreement for services or fees. Eventually " XXXX '' text that they could save money by lowering my cell phone monthly bill. At no time was the other party, XXXX, ever introduced through the various text messages. " XXXX '' had access to all of my accounts. It is uncleared as to where this company extracted the information ; i.e. banking, credit report, etc. Even up to this point, XXXX was not introduced. They were the " invisible '' partner of this scam. Keep in mind, as a customer of XXXX, I could have easily called to discussed lowering the bill. On XX/XX/2019, I received a text invoice from XXXX for a fee of {$300.00}. Was my bill lowered, no! I emailed " hiCharlie '' with my protest at XXXX. Who is XXXX? The entire scenario is suspicious and it is probable that " XXXX '' was actually a separate entity or application of the organization XXXX. Now, XXXX is on the scene. I disputed this charge and communicated with XXXX. XXXX stated it had to be handled through " XXXX ''. Now, XXXX is stating there is nothing that they can do. XXXX does not have any agreement from me or my son for their services. I, XXXX XXXX, never ever granted permission for a {$300.00} billing for something that I could have done. A complaint was filed with your agency, CFPB, XX/XX/2019 regarding these fraudulent practices of the owner of " XXXX '' and association with BillShark. XXXX is fully aware of the bait and switch tactics used through this application, " XXXX. '' I honestly believed that they worked together.. Let it be cleared that " XXXX '' appeared via the phone number XXXX, which I, XXXX XXXX, is the owner. This verifies the fraud practices of XXXX. The XXXX bill has three ( 3 ) numbers associated on it and one owner. I, XXXX XXXX, is an authorized user on that account. However, I, did not authorized nor agree to the billing of any services via " XXXX '' or XXXX. And, since XXXX XXXX was not in the United States, neither did he. The original associate of XXXX that began billing was XXXX. Now XXXX has sent this bill to Merchants & Professional Collection Bureau.
12/16/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32507	Web
Dear Sir or Madam : This is a counter letter response to the email I received on XX/XX/2018 from the Texas Attorney Generals Office. Immediately remove the ILLEGAL medical FALSE DEBT charges from all 3 CREDIT REPORTING AGENCIES. I HAVE CONTACTED AN ATTORNEY TO PURSUE A LAWSUIT AGINST XXXX DBA as XXXX XXXX. Reason for suit is because XXXX XXXX falsified documents to the attorney Generals office regulating private personal information regarding HIPPA law violations. Also, a lawsuit against XXXX XXXX and XXXX XXXX XXXX XXXX for double billing me as well as my XXXX XXXX XXXX. XXXX XXXX XXXX XXXX over charged and subsequently XXXX over paid. My Family was assured by the Doctor and Hospital that I would not be double billed by a botched XXXX procedure performed by XXXX XXXX XXXX XXXX. I was informed on XXXX XXXX XXXX business name is XXXX DBA as XXXX XXXX. I didnt know my medical rights and due to a botched XXXX, this matter will be resolved by a third party. Your correct I did sign a promise note BEFORE XXXX was performed to be billed for one XXXX and not billed for two. Also, at the time I didnt know they over charged my insurance company for twice the amount. Lastly, I was never informed and never received the HIPPA Law rights. XXXX XXXX suppressed documents. They violated the Federal Medical HIPPA Law and XXXX XXXX omitted certain pages suppressing documents when Billing Lead, XXXX XXXX from XXXX XXXX ( XXXX ) sent a letter to Attorney General XXXX XXXX Office for a settlement offering to accept a one-time payment of {$400.00} paid in full on XX/XX/2018 and then I received the email from The Texas Attorney Generals office response on XX/XX/2018. XXXX XXXX sent only twelve ( 12 ) documented pages to The Texas Attorney Generals office. However, 5 pages of the 12 submitted to The Texas Attorney Generals office I have never seen before. XXXX XXXX from XXXX XXXX suppressed the real medical file they have on me. I again have included the actual total documented twenty eight ( 28 ) medical pages they have on record and prove they distributed my medical information on XX/XX/XXXX at XXXXCDT. I have mailed to everyone involved in my credit dispute exactly the twenty-eight ( 28 ) documented pages of my medical file that XXXX XXXX acquired from XXXX XXXX XXXX XXXX XXXX and then delivered all twenty-eight ( 28 ) documents of my private medical history to XXXX XXXX XXXX XXXX XXXX XXXX, and consequently violating the Federal HIPPA Law. Please see the attached documents and see notes on bottom and top of each page. XXXX DBA as XXXX XXXX is a foreign company and has no right to my medical information. All future communication will be handled by my attorney Thank you, XXXX XXXX
08/22/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 78754	Web
Subject signed no contract. Subject is XXXX and is a a Federally - Protected Entity covered under ADA. I do not know or owe the company implied. The company DBA Merchants & Professional Collection Bureau , Inc. " Re - aged '' to XX/XX/XXXX supposed date which is an illegal action under FCRA. Company origin of location in XXXX, MI XXXX. Company committed Fraud, Identity Theft on all private accounts. Company Merchants & Professional Collection Bureau , Inc. will be brought before Federal court for Non-Compliance Violations Section 616 Civil Liability for will noncompliance. Section 617 Civil Liability for negligent noncompliance under [ 15 U.S.C. subsection 16810 ] Subsection 619 Obtaining information under False pretenses [ 15 U.S.C. subsection 1681q ] intent to violate title U.S.C subsections 1681h and 1681i ( a ) as well as 609 of the ( FCRA ) .MPCB Inc. violated 610 ( a ) ( 1 ) and is implementing " Undue Economic Hardship '', Intimidation & Fear Tactics by hitting credit reports 20 pts. violating a person 's " Right to Privacy. '' as guaranteed under the FAIR CREDIT REPORTING ACT. " An FDCPA claim has nothing to do with whether the underlying debt is or is not valid, An FDCPA claim concerns the METHOD of collecting the debt. It does not arise out of the transaction creating the debt. " Spears/Brennan appeal from the XXXX Superior Court [. ] Azar, 874 f. Supp. At 1318. footnote : See 15 U.S.C. subsection 1692k ( governing civil liability under the Act. Also cited Transunion LLC v. Ramirez. If Merchants & Professional Collection Bureau Inc. violated Laws applicable to this magnitude, then Merchants & Professional Collection Bureau also violated FDCPA Section 807 ( 8 ) Subsection 807. False or misleading representations [ 15USC 1692e ] Communicating or threatening to communicate to any person credit information which is known or which is to be false, including the failure to communicate that a disputed debt is disputed. Metro 2 Compliance, Defamation & Willful injury US Court of Appeals Ninth Circuit, No oo-15946, Nelson vs. Chase Manhattan. FCRA Section 623 CUSHMAN, v. TRANSUNION CORPORATION, US Court of APPEALS for the Third Circuit Court Case 115 F. 3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ). Also submitted Richardson v. Fleet Bank of Massachusetts, Bryant v. TRW because the submission is not in " Good Faith '' pursuant to Subsection Subsection 607 ( b ). Submission if not resolved for injury and undue Economic Hardship, XXXX & XXXX XXXX, will be the following submission in Federal Court for damages of an undisclosed amount.
05/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77904	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my 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 am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) 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 evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for code of ethics violations.
03/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 754XX	Web
I purchased a high school ring for my daughter from XXXX company in XX/XX/XXXX and I was set up on payment plan. I was late, and made final payment in XX/XX/XXXX. I never received notification or reminder about payment, however I understand it was still my responsibility. In XX/XX/XXXX I received a text on my phone that the ring was going to be delivered to the high school. I sent a text back asking questions because i knew it was not paid in full. XXXX XXXX confirmed this with emails. I finally received a mail to my home stating I had a outstanding balance and i was already send to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to resolve this through XXXX XXXX who is their executive account for XXXX XXXX, he said he could not help me and referred me to XXXX in collections department. I asked XXXX to help me resolve this problem, and she referred me to XXXX XXXX XXXX XXXX XXXX. I called them today and spoke to XXXX XXXX. I told him what had transpired with XXXX and told him I had receipts from XXXX and he said XXXX has been their client for many years. Because he had me under my maiden name he still needed proof and was still sending to the credit beau in a few weeks. I explained to him that XXXX did not have my correct email address on file, and could not help me any further. I asked for email address so I could send him a copy of final receipt from XXXX stating the balance was paid in full. He did give me an email address and I send him copy while I was still on phone, he said he try to check since that is not his department. At the end of the day, I felt I received no help, and Merchants could not do anything because XXXX has been their client for many years. I am being sent to the credit beau and this account has been paid in full, among other things that have taken place with XXXX, for one they did not have correct email address. Second, anyone I communicated through email at XXXX referred me to different departments. Third, They sent me confirmation they had record of account being paid in full, but yet, they could not help me and I was again referred to Their collections department to speak with XXXX who referred me to Merchants Collections? I don't understand why they can not just help me resolve this meanwhile Im being penalized by being sent to credit beau in a couple of weeks?
03/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 754XX	Web
I purchased a high school ring for my daughter from XXXX XXXX in XX/XX/XXXX and I was set up on payment plan. I was late, and made final payment in XX/XX/XXXX. I never received notification or reminder about payment, however I understand it was still my responsibility. In XX/XX/XXXX I received a text on my phone that the ring was going to be delivered to the high school. I sent a text back asking questions because i knew it was not paid in full. XXXX XXXX confirmed this with emails. I finally received a mail to my home stating I had a outstanding balance and i was already send to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I tried to resolve this through XXXX XXXX who is their executive account for XXXX XXXX, he said he could not help me and referred me to XXXX in collections department. I asked XXXX to help me resolve this problem, and she referred me to XXXX XXXX XXXX XXXX XXXX. I called them today and spoke to XXXX XXXX. I told him what had transpired with XXXX and told him I had receipts from XXXX and he said XXXX has been their client for many years. Because he had me under my maiden name he still needed proof and was still sending to the credit beau in a few weeks. I explained to him that XXXX did not have my correct email address on file, and could not help me any further. I asked for email address so I could send him a copy of final receipt from XXXX stating the balance was paid in full. He did give me an email address and I send him copy while I was still on phone, he said he try to check since that is not his department. At the end of the day, I felt I received no help, and XXXX could not do anything because XXXX has been their client for many years. I am being sent to the credit beau and this account has been paid in full, among other things that have taken place with XXXX, for one they did not have correct email address. Second, anyone I communicated through email at XXXX referred me to different departments. Third, They sent me confirmation they had record of account being paid in full, but yet, they could not help me and I was again referred to Their collections department to speak with XXXX who referred me to XXXX XXXX? I don't understand why they can not just help me resolve this meanwhile Im being penalized by being sent to credit beau in a couple of weeks?
01/03/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77396	Web	Older American, Servicemember
I am a XXXX Senior Citizen and I also suffer from a Severe XXXX XXXX. On XX/XX/XXXX I received a bill from XXXX XXXX XXXX with a due date of XX/XX/XXXX. This bill showed an amount due for lab services performed on XX/XX/XXXX and XX/XX/XXXX. I had no idea what this was for. I attempted to contact them by phone, left numerous messages, and never received any response. I did look at my insurance explanation of benefits and found this was for lab tests, which I get done every 3 months at my physicians office, XXXX XXXX. I have gone to this doctor for at least 6 years and have never had any issues with lab bills. I emailed and spoke with my Doctors office and was instructed not to pay the bills. Apparently the Doctor 's office and XXXX XXXX were in a dispute and also Merchants Collection was harrassing their patients. In the past with other lab companies through this doctors office, I have never paid anything out of my pocket for lab tests. Had I been made aware before I had the tests done that I would owe a balance I would have never had the tests done. I never signed any document and I was completely unaware of these charges. On XX/XX/XXXX I received a collection letter from Merchants & Professional Collection Bureau. I disputed the bill. I even called and left a message for the owner of XXXX XXXX to call him to discuss this. No response. Also, my doctors office told me that these bills were filed as Out of Network through Insurance. Their website page clearly states this : If an EOB states that XXXX XXXX XXXX is an Out-of-Network Provider, then they will make all attempts possible to ensure that the patient is only responsible for the amount owed as if XXXX was an In-Network Provider. I have asked this collection agency for proof in writing from all parties of the contract between the doctor and the lab company. They told me the agreement was done by XXXX XXXX XXXX and no contract in writing. I am asking that the CFPB investigate this. I just received another collection letter dated XX/XX/XXXX. I am a nervous wreck about being harassed as I continue to receive letters from this collection agency. They also reported it to all 3 credit reporting agencies and I have been rejected for credit because of this lab bill that I do not owe. Thank you
11/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 24073	Web
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
11/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78250	Web
XX/XX/XXXX I was hospitalized I the XXXX due to XXXX. My insurance as an XXXX XXXX member ( civilian ) of 14 years covers my hospital care minus my copay. Everything else is paid including who sees me in the hospital during my stay. XXXX XXXX XXXX ( XXXX XXXX XXXX ) saw me while in the hospital for a total of 5 min each time. XXXX XXXX paid my hospital claim months before the very same amounts were fraudulently billed twice ( Dates of service XXXX ) but this time XXXX billed and coded them as office visits as if I went to his office when we know that to be false because I was half dead in my hospital bed. Now his office is committing insurance fraud and billing the insurance with duplicate claims knowing any insurance with a conscious would reject them. Once rejected and reprimanded by XXXX they chose to bill me for services that were already paid for by XXXX. Again, insurance fraud. On XX/XX/XXXX they assigned a collection agency Merchant & Prof for claims that were settled by XXXX in XXXX. I have tried to tell both them and XXXX office that Im stuck in the middle of this and I do not have a patient balance. The collection agency rep XXXX was condescending and rude. He hung up every time I called them. Even after being sent the Explanation of Benefits from XXXX inXX/XX/XXXX showing a XXXX patient responsibility to their client, the agency is still falsely reporting this debt. They continue to defame my name and financial integrity. The issue isnt payment history as my track record is excellent. The issue is that XXXX XXXX XXXX, XXXX XXXX XXXX, and their collection agency Merchant & Prof are committing the crimes of Insurance Fraud and extorting consumers into paying claims theyve illegally duplicated. Which is why the duplicates were rejected by the insurance. Ive disputed on all 3 credit bureaus but XXXX and XXXX are still under investigation. The fact that this level of fraud is allowed by the credit bureaus is a clear indication that consumer protection and security dont exist. How can they allow fly by night collectors to report false tradelines?
01/07/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 755XX	Web
MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President XXXX The basis for my dispute was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, Presidentfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Also, MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President failed to send me my initial communication before placing this alleged derogatorystatus on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. I attached a copy of the law and the actual document from the federal reserve MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XX/XX/XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX )
06/10/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 78660	Web
XXXX mailed and received by front Desk/Reception on XX/XX/2022 on XXXX tracking is provide and shown. VIA U.S.P.S. CERTIFIED MAIL XXXX VIA U.S.P.S. CERTIFIED MAIL XXXX Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. Further, I request verification of the alleged debt ; specifically, I request the following documents : ( 1 ) a copy of every contract and/or agreement signed by me and the alleged medical provider, including, but not limited to, ( i ) an informed consent for the medical treatment that is being billed and ( b ) financial responsibility agreement signed by me for to the medical services being billed, ( 2 ) a copy of all actual bills sent from the medical provider to me with tracking numbers ( e.g., certified mail return receipt number or other tracking number ) or other proof of mailing ( e.g., affidavit of mailing under penalty of perjury signed by the actual individual who mailed the bill ( s ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies along with copies of all payments received from insurances companies by the medical provider for the services billed, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by me to the medical provider for the medical services provided that were billed for and in collection, and ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs now in collection. You unlawfully attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your tradelines of the alleged debt.
03/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75007	Web
On XX/XX/2018 I visited XXXX XXXX XXXX, XXXX for an in office procedure. I used no insurance and signed paperwork that all debts were paid in the office at the time of the procedure. The agreed price was {$180.00}. This was paid in person at the time. There was no later billing option, the price was established, paid in full at the time of the procedure, a receipt given, paperwork signed that all debts were to be paid at that time ( unless insurance was involved ), and the office billing person confirmed in person that everything was paid and nothing new would be charged. About a month later XXXX XXXX XXXX sent a bill for the procedure for which I had already paid. I attempted calling XXXX XXXX XXXX but were only able to leave a voicemail. To to best of my knowledge, no response from them was received. I continued to try to call, but only was able to get to voicemail, there was no person to whom to speak. The debt was then " assigned '' to Merchants & Professional Collection Bureau who attempted to collect on this falsified debt. We contact MPCB and explained that the debt was false and submitted a dispute to XXXX XXXX XXXX who provided the original paperwork that stated that all debt was to be paid at the time of the visit, along with a bill for the service again. MPCB decided that even though the paperwork showed that we were not a customer at the time of the latter, false bill, and had no debt to XXXX XXXX XXXX, refused to clear the debt. We called today to MPCB to discuss why they were continuing to pursue a bill now that they were aware that it was fraudulent and they hung up on us and provided no recourse for their pursuance of a debt that they knew did not exist. Even though XXXX XXXX XXXX provided no supporting documentation as to the debt attempting to be collected, and even though they had provided paperwork showing no debt could exist!
09/09/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78728	Web
I would like to report unfair billing practices and reporting with intention to discredit an individual by constantly reporting negative information to credit bureaus information that is not current. I am being doubled billed by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, TX ph # XXXX ) as well as Merchants Professional Collection Bureau , Inc ( XXXX XXXX XXXX XXXX, TX XXXX ph # XXXX ) for the same bills. I am being coerced by the two to pay both of them. I have been making payments on old accounts to both parties. I have a current payment plan with XXXX XXXX XXXX for which i have been paying on time scheduled payments as well as paying the other company as well. XXXX XXXX XXXX consolidated the old accounts and brought to current by me paying underneath one account for these old accounts to them, plus Merchants and Professionals collection agency is continuing to bill me as well as XXXX. Merchants and Professionals is constantly reporting to national credit bureaus negative on accounts that i have a current payment plan and is satisfactory paying with on time payments to the original company ( XXXX ) Both companies are getting money from me for the same bills. I am paying Merchants and Professionals as well outside of XXXX XXXX XXXX. Neither is reporting to each other. After speaking with XXXX XX/XX/2020, representative with Merchants and Professionals, XXXX states that they will continue to report negative to credit bureaus even though she is aware of my current payment plan for these old accounts and is currently paying XXXX XXXX XXXX for them. Please help me as i am not able to keep paying both. Merchants and Professionals is using reporting to credit bureaus as a method to coerce me to pay them too when i am paying XXXX XXXX clinic for what they are harassing me for.
04/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27613	Web
In 2016 I contact a company by the name of XXXX after hearing a radio ad that this service could help negotiate lower rates on utility services/phone bills, etc. I was struggling financially at the time and filled out my information online to see if they could help reduce my bills. It was not disclosed to me ( or hidden in small print ) that they could arbitrarily make decisions on my behalf and charge me an undisclosed amount for doing so, with no opportunity to accept or reject the offer. XXXX supposedly negotiated a discount with XXXX XXXX XXXX that I never actually received, or only received temporarily and then it stopped - yet XXXX arbitrarily charged me almost {$400.00} for this " service, '' with no opportunity to decide whether or not I wanted to proceed. XXXX repeatedly asked me for passwords, and continued to contact XXXX XXXX XXXX after I asked them not to. I ended up having to cancel my XXXX XXXX XXXX service altogether because of this repeated headache and received no benefit from XXXXXXXX XXXX deceptive service, which in every way is a UDAAP violation. I received no clear disclosure about what I was to be charged and did not agree to any terms ; there is no signed agreement. Now, years later, a collection agency by the name of Merchants & Professional Collections has put this account on my credit report. I have disputed the account and was provided no validation of the " debt. '' They just continue to validate it with no basis. I do not owe this company anything and placing this account on my credit bureau 6 years after any interaction with this company in an attempt to collect ( even if I owed it, which I do not ) is not legal as a debt buyer as the statute of limitations is up. I want this removed from my credit report.
08/05/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78640	Web	Servicemember
I have been sent to collections, Merchants and Professional Collections Bureau , Inc., over a {$300.00} bill that XXXX has denied three times. The reason for the denial, according to XXXX, is due to the XXXX XXXX not being certified with XXXX. On Tuesday, XXXX XXXX XXXX, I called and physically went to XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX former place of employment, to pick up all of my medical records from the XX/XX/XXXX XXXX. XXXX XXXX was the XXXX for my case and requested the XXXX XXXX. I was not advised of the potential of having a XXXX XXXX and therefore was not given the opportunity to allow or deny this part of the XXXX. After thorough examination of the records I have received regarding my case, I can find no consent form for the XXXX XXXX from XXXX XXXX XXXX XXXX in my records. I spoke with XXXX, XXXX Billing Director, regarding this case and she stated that I received all paperwork corresponding to this XXXX. She also stated that since the XXXX XXXX was not covered by XXXX that the XXXX XXXX should have been paid through XXXX XXXX XXXX agreement for payment from XXXX. I take any financial issues seriously and I have spoken to and been advised by a lawyer who stated I should not have been billed as the XXXX should have been vetted through XXXX XXXX prior to the XXXX. The failure of XXXX XXXX and your company to verify coverage before the XXXX XXXX took part in my XXXX has further complicated by the fact that there is no record of my consent to this part of the XXXX. This matter is made even more difficult due to the fact that almost three years have passed, XXXX XXXX no longer practices with XXXX, and the billing director was not at XXXX when this XXXX took place.
07/18/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL XXXXX	Web
I am a veteran of the XXXX. As a benefit to me for my service, I receive free healthcare. The VA was my insurance for my prenatal care and labor and delivery. My son was born XX/XX/XXXX and the doctor that I chose for him made the initial doctors visit while we were still in the hospital. I received the bill from the doctor some time later and gave the doctor office the VA 's information so that they could process the claim. What I was unaware of was that the VA needed my son 's SSN in order to process the payment. I had no idea that the doctor 's bill was still deliquent until XX/XX/XXXX, 16 months after my son was born, until I received a letter from the collection company. I made contact with the collection agency more than twice and told them that I contacted the VA and gave them all the information they needed so that they could process the claim. I also told the VA that the debt was in collections and I was told that they " always do that, '' meaning the collection agency will continuously go after the patient until they receive payment, even though the patient has insurance. I got tired of letters and phone calls from the collection agency so I contacted the XXXX and made them aware. The final result was the collection agency not contacting me anymore. This issue has knocked off XXXX points from my credit score and the note says, " individual responsible. '' I am not responsible. The VA is responsible and the doctor will not get paid until the VA finishes processing the claim, however long it will take. I would like this issue to be removed from my credit report.
03/29/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 78230	Web
In XX/XX/2016, I called and spoke to XXXX and then to XXXX at Merchant Professional Bureau regarding my complaint of their agencies reporting tactics. More importantly, the incorrect information that has been on record from the original medical provider. First off, there was the issue of duplicate bad debt reporting from MPB for same date of service, same amount, etc. This was acknowledged and then recognized by XXXX and removed as promised. However, it still left the one debt and I raised issue with the fact that I felt certain the provider was 'punishing ' me for refusal to pay their charges. This is unethical. On the date of service, I went in to the XXXX clinic after I had set the appointment and insured that when I set the appointment, I did not want to pay for unnecessary XXXX or XXXX testing or diagnostic procedures since I already knew my condition and what I was suffering with. I simply needed meds to alleviate the discomfort of severe XXXX and XXXX. I have been tested many times over the years. Once there, I was given an XXXX and again stated to them that " I did not want anything done that the insurance would not pay at 100 %. Well, I got a bill two months later stating that I owed {$340.00} for services rendered. On XX/XX/2016, I sent a formal dispute to MPB and to the attention of XXXX. I have since not heard anything form them but that this debt was removed from XXXX of the XXXX bureaus. I need for the collection agency to remove this entirely and in good faith instead of digging in and appeasing the service provider for unethical business practices.
01/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78753	Web
XXXX dispute number XXXX Federal law prohibits Medicare providers from billing beneficiaries who are enrolled in the QMB program for Medicare Part A and Part B deductibles, coinsurance, or copayments. If you erroneously bill an individual enrolled in the QMB program, recall the charges ( including referrals to collection agencies ) and refund any invalid charges he/she paid. Billing of QMBs Is Prohibited by Federal Law Federal law bars Medicare providers and suppliers from billing clients enrolled in the QMB program for Medicare Part A and Part B cost-sharing under any circumstances. The QMB program provides Medicaid coverage of Medicare Part A and Part B premiums and cost sharing to low income Medicare clients. QMB is an eligibility category under the Medicare Savings Programs and providers and suppliers may bill State Medicaid agencies for Medicare cost-sharing amounts. However, as permitted by Federal law, States can limit Medicare cost-sharing payments under certain circumstances. Regardless, individuals enrolled in the QMB program have no legal liability to pay Medicare providers for Medicare Part A or Part B cost-sharing. Medicare providers who do not follow these billing prohibitions are violating their Medicare Provider Agreement and may be subject to sanctions ( see Sections 1902 ( n ) ( 3 ) ( C ), 1905 ( p ) ( 3 ), 1866 ( a ) ( 1 ) ( A ), and 1848 ( g ) ( 3 ) ( A ) of the Act ). PLEASE TAKE ACTIONS TO HAVE THIS REMOVED FROM MY CREDIT HISTORY AND I WANT TO PURSUE LEGAL ACTION AGAINST THE REPORTING AGENCY
06/10/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 78666	Web
I was never informed that negotiation was an option. I tried contacting them at least 8 times over a 2 month period and was never able to reach anyone ; when I left messages, no one contacted me back. I only received a first notice, then another bill labeled first notice, but never a final notice. Then suddenly I was being reported to collections. The collections letter mentioned nothing about a " grace period '' before it was reported to my credit report, but on the phone, after informing the operator I can only afford to pay $ XXXX/month, at the very end of the conversation she informs me that I have until the XXXX of this month ( about 3 weeks ) to pay the full amount or else it goes on my credit report. Even if I am actively paying toward my balance, it will still be on my report. Nowhere in writing was this grace period stated. The communication has been evasive, misleading, and omitted details, and the operators were not only rude but also evasive and did not properly disclose the information until I dragged it out of her by asking repeatedly if there is anything else I need to know. If I had n't asked her that repeatedly, there is no way whatsoever that I would have known I could negotiate, that there was a mysterious " grace period '' that I had to pay off the full amount ( less than 1 month is not remotely enough time to be called a " grace period '' ), or that I will still be reported to collections even though I am actively paying off my debt.
06/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92101	Web	Servicemember
Complaint # 1 - Merchants & professional Collection Bureau ( " the Company '' ) continues to close complaints opened against it, falsely alleging they are duplicates of a complaint they have already responded to, even though they have been repeatedly advised otherwise. By doing this, the company is engaging in an abusive, unfair, or deceptive practice, and is there for violating the Fair Debt Collection Practices Act ( FDCPA ). THIS IS NOT A DUPLICATE COMPLAINT. YOU MUST TAKE ACTION AND PROVIDE A RESPONSE. Complaint # 2 ( AGAIN, NOT A DUPLICATE. THE COMPANY HAS NOT RESPONDED TO THIS COMPLAINT. CLOSING THIS COMPLAINT BY FALSELY ALLEGING IT TO BE A DUPLICATE WILL RESULT IN LEGAL ACTION BEING TAKEN AGAINST THE COMPANY. ) Merchants and professionals collections has reported to all 3 credit bureaus that I have a debt in collection, but I have never done business with them or the original creditor, nor have either ever contacted me about the alleged debt ( which can be confirmed in their response to a recent complaint against XXXX, which the company erroneously responded to and stated " MrXXXX XXXX has never contacted us regarding the account in question. '' That Complaint # is XXXX. ) Since they have not contacted me they have also made No attempt to validate the debt or provide me the opportunity to dispute its accuracy, both of which are required by Federal Law.
05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77339	Web
This is a formal complaint against Merchants and Professional located in XXXX, TX. 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, Merchants and Professional 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.
03/17/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 782XX	Web
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Merchants & Professionals. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. On XX/XX/XXXX the company sent a statement reflecting a balance owed for my daughter XXXX XXXX who was covered under XXXX and therefore charges should have already been paid. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and therefore a 2nd validation letter was sent, along with a copy of letter sent by the agency as well as a copy of my daughter 's XXXX card requesting further review as the account should have been covered in full. As of today I have not received any further correspondence from creditor to validate these accounts as not having been paid tand furthermore I do not believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was ran through XXXX and remains unpaid and all reported information is correct.
03/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43212	Web
Companies involved : Merchants and Professional Collection Bureau ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and XXXX, XXXX ( XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX ) I received a debt collection notice from Merchants and Professional Collection Bureau , Inc. that said I owed money to XXXX, XXXX. I never purchased goods or services from XXXX XXXX and was never contacted by this party with regard to any outstanding balances on purchases I did not make. My credit card information had been stolen some time ago and used by XXXX XXXX XXXX My credit card issuer was able to quickly verify that the those charges were fraudulent, so any attempt to collect on fraudulent charges. I believe this is another attempt by XXXX XXXX to commit fraud and/or allow a third party to fraudulently obtain financial information from me. Also, the communication appears to contain a " threat '' to report a debt that does not exist to the three credit reporting bureaus even though the amount in question is below a dollar threshold that would actually be relevant to those bureaus. In other words, the letter is cleverly structured to convince me to pay an amount that is trivial to avoid a scenario that won't actually impact me because the amount is trivial.
11/12/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07052	Web
Sent information to the MERCHANTS AND PROFESSIONAL \| XXXX which includes an affidavit asking them to supply the information requested in an attempt to verify the debt I asked them to provide a wet signature prooving they had the authorioty to collect this debtwhi h they hadn't responede too They also sent me a letter stating that if I paid the full amount of {$740.00} that they had authorization from the original creditor to settle the debt in full they have been given authorization by the original creditor to remove the collections account from my credit report. I called the original creditor whi h is Balfor and they stated they gave no such autorization as the debt has been sold to the collector MERCHANTS AND PROFESSIONAL \| XXXX. To my understanding it is not good practice for a collections agency to offer this in an effort to get me to pay a debt where the information on this account is not accurate. the inaccuracy is the amount being owed. My rights have been violated and I would like help getting this account remofved from my credit reports. Please find the attached letter where they stated they had authorization to pay for delete from the alleged original creditor which is a false statement to collect a debt XXXX
02/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 773XX	Web
This debt was suppose to be paid by my insurance XXXX XXXX XXXX XXXX. This was a surgery that I had last year. Furthermore I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Provide a copy of my signature with the provider of service to release my medical information to you I asked for this before and have not received anything. So I need this bill removed
06/13/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 751XX	Web
Back in XXXX XXXX I was involved in a major car accident that resulted in serious medical attention, all of this was ruled in my favor as NOT AT FAULT. XX/XX/XXXX, XXXX I filed a lawsuit with XXXX XXXX XXXX to make sure all of he medical bills where paid. My lawyer has stated that a Power of Attorney letter was sent to all medical personnel to protect me from this debt. I have had called the creditor many of times to let them know that the bill was to be sent to my lawyer. To this day no bill was ever been received by myself or my lawyer. I get this notification that a {$210.00} debt was placed on my credit reports, seriously damaging my scores over a debt that is legally being litigated. The original creditor XXXX XXXX made notes months ago and promised me because I had a power of attorney that this debt would not be turned over to a collection. XX/XX/XXXX, XXXX XXXX XXXX sent the debt that is out of my hands to a collection bureau and seriously damaging my credit scores. I have tried to address the situation with both companies ( collections, creditor ) and they both refuse to do anything my case.
05/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92101	Web	Servicemember
XXXX has repeatedly without hesitation taken $ XXXX per month from me for their credit monitoring and fraud defense service yet to date has not only failed to assist me with identity theft issues, but has also lied about conducting investigations into information on my report that was the result of identity theft. There dishonest and unlawful approach to supporting identity theft victims is well documented since one of the furnishers ( who I contacted through the CFPB ) has disclosed that XXXX never once informed them that their information on my CR had been reported as resulting from identity theft. XXXX has continued there brazen disregard of the law by failing to properly investigate a recent collection account that has appeared on my credit report. They also unlawfully refuse to provide an explanation of the steps and process they used in there alleged investigation of my dispute of this collection account, which only further brings into question whether or not they actually properly investigated. They also will only allow paying customers to view the results of their disputes.
10/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78703	Web
Merchants and Professionals Collection Bureau is trying to collect a medical debt incurred by my former domestic partner. On the phone in XXXX, they said the debt was for my XXXX ; however, I have never been sent an addressed, itemized statement of charges from the reporting clinic or the collections agency. I told them I would not pay until I was sent statements addressed to me showing responsibility for the debt ; that is, a list of services and who they were provided to. After the call, they put a number of collections debts on my credit report, XXXX to be exact, that I had no knowledge of, claiming that I was jointly responsible. When I disputed the items on my credit report, they removed all debts except XXXX for an amount of {$260.00}. They have since sent me a notification saying that they have verified the credit reporting account, but, I have yet to receive an addressed notification from them or the clinic or credit agency specifying the services that I am being billed for or who the services were provided to ( i.e., my XXXX or my former domestic partner ).
09/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 752XX	Web
Debt collector and merchant XXXX XXXX XXXX won't provide proof of debt. I paid my dental payment upfront on my CC. My insurance was XXXX and they stated that XXXX XXXX XXXX screwed up and didn't submit the claim. The merchant then tried to send me a bill over a year after ( fair debt violation ). Lost my tooth anyway entirely. My regular dentist stated they should have given me a complete refund for the loss. The date the debt collector put on my credit was also way after it happened. I keep filing a dispute on the credit report as inaccurate and sent a letter to the merchant and debt collector asking for proof of claim and debt with no response. There is zero verification of debt. I had a fixed dental insurance amount and I paid and was covered under my insurance. Then they try to bill later because of their XXXX up. On top of it. I am getting hit monthly as the debt collector is filing a no pay monthly. I don't have a monthly payment agreement or anything like that as I dispute the debt entirely and should be refunded. All I want is it to be removed.
10/23/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 766XX	Web	Older American
In XX/XX/2015, I was referred by my Primary Care Physician to XXXX XXXX XXXX XXXX, and a XXXX. XXXX XXXX. When I filled out the new patient information sheet, I marked that my insurance required me to use XXXX XXXX XXXX for all lab work. When I saw XXXX XXXX that day, I told him my XXXX 's would need to be sent to XXXX. He stated that he preferred to use his own lab, but after about 2 months he would send my XXXX 's to XXXX. Every month when I saw him I would state again about using XXXX XXXX. He stated that he didn't like the way XXXX listed the results, and would not use them. His office took my health insurance as I only paid a {$35.00} copay each visit, but they did not bill my insurance for any of the XXXX 's. This led to a {$6100.00} lab bill. The bills come from his office, not a lab, so I have no idea what lab was used. I had one call from a collection agency for the {$6100.00}. They in turn sent it to the credit bureaus. As we are 30 days out from closing on a new home, in order to bring my credit score up, I had to pay the {$6100.00}.
08/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	WI 53202	Web	Older American
I got XXXX XXXX at XXXX XXXX in XXXX XXXX Florida. I paid my copay of {$40.00} each time. I stopped getting therapy around XXXX. In XXXX I get a collection notice from Merchants and Professional Collection Bureau saying I owe {$330.00}. I called them saying I paid and asked for the back up. XXXX XXXX said she would not send me anything. I mailed the form back saying I paid and dispute any debt. I called XXXX XXXXs in XXXX XXXX. XXXX and XXXX were surprised I got a bill and both said don't pay it. XXXX sent me the ledger showing a column with Patient Balance at XXXX. In XXXX I get a letter from Merchants saying they have verified the debt and enclose a redacted copy of the letter. The column showing Patient Balance was whited out. I tried to explain this to XXXX but she wouldn't listen. I emailed XXXX and XXXX XXXX at XXXX XXXX enclosing the actual ledger showing I owed nothing. I have not heard from them. They probably have violated Sec. 807 of the FDCA by making a false representation of the amount of a debt.
09/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 775XX	Web
After reviewing my credit file I have 2 accounts that do not belong to me from your company Merchant and Professional. I am a victim of identity theft and the accounts listed below which appear on my credit is the result of identity theft. Furthermore, I have never even done business with your company or any company that you represent. Not only did you insert these fraud accounts into my credit file you did not give me a notice that these accounts were being inserted nor did you give me my right to dispute the validity of these alleged accounts. Due to the fact that I know for certain you can not provide proof bearing my signature because these are not mine I am requesting that these accounts be removed immediately, If the accounts listed below are not removed I will be forced to pursue legal action against Merchants & Professional. This is your notice that these accounts are disputed and they are a result of identity theft. One account is the amount of {$2100.00} Another account in the amount of {$1400.00}
06/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 78665	Web
45 days after my XXXX XXXX Bankruptcy was discharged I checked my XXXX XXXX Credit Report to ensure all accounts were being reported correctly. I discovered that Merchants & Professional Collection Bureau , Inc. was reporting and old medical debt of XXXX that was discharged in the bankruptcy as a current and open debt. However they are showing a XXXX balance and that it was discharged. Showing a XXXX balance, they have lost permissible purpose and should remove this collection account from my credit file but have refused to do so. My Attorney has also sent them a cease and desist letter demanding the removal of the item, yet they have still refused to remove the item and continue to report as an open account with a XXXX balance. This is a debt that started with XXXX Texas XXXX XXXX and I have tried to reach out to them as well and they advised that Merchants & Professional Collection Bureau, Inc.is handling the account now and they also refused to take any action after the BK discharge.
09/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78114	Web
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Merchants & Professional. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
06/08/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TX 78666	Web	Servicemember
I do not answer telephone calls from numbers I do not recognize. I received a telephone call from XXXX today. When I did not answer the call, my front desk receptionist called me a few minutes later telling me she had received a call from the same number, and said the caller identified himself as a XXXX XXXX with Merchants & Professional Bureau of XXXX. He told her he needed to speak with me about an outstanding debt. He said he needed to speak with me to discuss this personal situation and the receptionist told him we are not allowed to receive personal calls at work. This was VERY disturbing. I do n't know what the call was about or who this company was representing, but I never thought an individual identifying the company he represents as a debt collection business could call people at their place of employment. I do n't know what the call was about but I was VERY embarrassed. My boss then called me in to her office, wanting to know why I was getting personal calls at work.
04/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76020	Web	Servicemember
I have tried multiple times to dispute this account with all credit bureau 's I am a XXXX combat veteran with a 100 % service connected rating when I call merchant & professional this morning and informed them of my XXXX status the person who answered informed me that it was not his job to bill the VA and that when I am taken in a abulance it is my responsibility to tell the abulance company " XXXX XXXX XXXX XXXX '' that they should bill the VA. I asked for the account to be removed from my credit report and to send me an itemized bill so that I could forward it to the department of veterans affairs myself. I was spoken to very rudely and treated like a criminal by this person for a abulance ride that I don't even recall having gone on. I have disputed this account so much that the credit bureaus will no longer allow me to dispute it again. I do not know what else to do so any help with this matter would be great thanks and have a great day.
06/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77005	Web	Older American
On XX/XX/XXXX, I suffered XXXX and was transported by XXXX to an emergency room by ambulance from XXXXXXXX XXXX TX Fire department. XXXX, my insurance, paid the bill on XX/XX/XXXX and XXXX XXXX XXXX accepted the check. There as a negotiated discount with XXXX and XXXX XXXX with XXXX XXXX determining the allowable amount. See attached settlement letter. XXXX XXXX XXXX ( for XXXX XXXX XXXX ) kept billing me for the discount. Each time I called they said they would discuss with XXXX. XX/XX/XXXX, they sent a final bill to me and sent the amount to collections. See attached invoice. In XXXX, XXXX I sent the settlement letter to Merchants and Professional Collections Burea, XXXX TX, who is trying to collect for XXXX XXXX XXXX, to prove the debt is paid. I told them to call XXXX if they do not accept the settlement. XX/XX/XXXX, Merchants and Professional Collections Burea reported the debt to the 3 credit rating agencies. See attached letter.
10/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 787XX	Web
A couple of weeks ago I discovered my credit report in XXXX showed an unpaid balance of {$250.00} due to a company called XXXX XXXX XXXX. I do not recall ever using or seeking treatment for a sleeping disorder, nor do I recognize the name of the company, so I disputed the charge and asked XXXX to investigate. Today, XXXX came back stating they had investigated the account and it had been " verified as accurate ''. They also informed the account is now in the hands of a collections agency called Merchants & Professional Collection Bureau Inc., and has been given an account number XXXX. XXXX 's report shows the original charge or invoice date to be XX/XX/XXXX, and shows it past due as of XX/XX/XXXX. Simple online research showed both companies share the same address : XXXX XXXX XXXX, XXXX, Texas XXXX. I reached out to XXXX XXXX XXXX asking for documentation or proof that I incurred in such a charge. They have yet to replied.
05/08/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	CA 93313	Web
My service was XXXX to XXXX atXXXX XXXX XXXX and now they have sent my account which shows {$440.00} and now it's to collection agency 'Merchants And Professional Collection Bureau , IncXXXX XXXX for {$440.00}, my date of service was XXXX XXXX and i had XXXX XXXX XXXX XXXX XXXX XXXX XXXX health insurance and i had about {$50.00} deductible and total out of pocket cost was about {$820.00}. but i had copay very low. It has happened to me before that if hospital or clinic don't file claim on time frame according to insurance company guideline then they wouldn't get paid so i would like to get all information starting date of service to when they filed claim to my insurance and again i had about {$50.00} To {$75.00} copay. To me it's look like because of their billing department mistake, so then they go after patients to cover up their cost. They should Audit the billing department
09/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77573	Web
XXXX XXXX XXXX XXXX and Merchant and Professionals collection agency are in violation of HIPPA violations. XXXX has shared details about my procedure and history with Merchant and professionals. Not just the Cost of services or date of procedure, but an in detail of procedure and why i had a procedure done. This is a blatant disregard of the HIPPA laws protecting me from this. In addition to this Merchant and Professionals has continued to harass me over this debt with threaten phone calls and pretending to be attorneys to sue me. That is false representation. I demand that Merchant and professionals delete their information from my credit report ASAP due to HIPPA violation laws, if this is not done within 30 days from this complaint i will be forced to take further action which XXXXay cause monetary damages to XXXX XXXX and Merchant and professionals.
09/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77396	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MERCHANT AND PROFESSIONALS would verify the debt. So I took it upon myself to ask MERCHANT AND PROFESSIONALS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
02/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77502	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against MERCHANTS AND PROF. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
02/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77598	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against MERCHANT AND PROF. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
06/15/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75232	Web
I have not received a bill from you and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
12/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 751XX	Web	Servicemember
Merchants and XXXX XXXX XXXX, Inc.just doesn't seem to get it. They continue to damage my credit report. This is a bill that I do not owe, it was a bill that was generated by an auto accident that I was not a fault for. I have a lawyer on the case and this company has been sent letters of representation. These bills dated for XX/XX/2019 are not my bills to pay and I wont be paying for something that is not my obligation to due so. This company claims that they are great company but they are crooked because they do not care about any of their clients, this company has damaged my credit report and for what for a bill that will be settled when the lawsuit gets settled out. I would think this company could be more reasonable about this situation, but apparently they are aggressively attacking me on an everyday basis.
04/14/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TX 78753	Web
Merchants and Professional Collection Bureau Inc, continutes to send me letters attempting to collect on an old debt that is over 4 years - 7 years old. These debts are no longer on my credit report. These debts were disputed and removed from my credit report and now Merchants and Profession Collection Bureau Inc is attempting to collect these debts. I have contacted them several times by phone, each time I receive these letters, which has been since the end or the beginning of XXXX, threating to sue me for {$73.00}. The latest letter is dated XX/XX/21. One debt is for {$10.00} which I disputed because this debt was paid ( through online banking ) to the doctor ). Instead of them notifying the collector, they continue to send treathen letter to sue me and report this fraugulent {$10.00} to the credit bureau.
07/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78702	Web
I received a copy of my credit report a few months ago and saw that there were some questionable items on my report. In XXXX I sent a letter to the credit bureaus asking for verification on this account - no verification provided. I sent a second letter to the credit bureaus i received the contact information for this creditor from the bureaus. I contacted the creditor asking for details on what this filing on my report is for. I have not received any answer for this except from the credit bureaus saying that this item is " verified. '' I have given this company over 30 days from when i sent the 2nd letter and almost 6 months since i sent the first letter. i am frustrated to see that in addition to receiving NO RESPONSE this item continues to show up negatively on my report. please investigate.
03/23/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78610	Web
I sent MPB a certified letter with return receipt on XX/XX/2019 requesting them to remove medical collections that put on my credit reports for all 3 bureaus, and sent them a copy of the HIPAA acknowledgement and consent form showing them that they DO NOT have my consent to disclose my confidential medical information. They signed the certified return receipt on XX/XX/XXXX by XXXX XXXX ( see attached Tracking Receipt. ) They responded to me by letter dated XX/XX/XXXX saying that they contacted there client XXXX XXXX XXXX saying that they would delete the account once it is paid off. They are in clear violation of the HIPAA act. Please have them delete all collections and put them on notice that they DO not have consent to place any collections on any of my 3 credit reports ( XXXX, XXXX, XXXX )
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28144	Web
XX/XX/XXXX, and XX/XX/XXXX Merchants and Professionals Collection Bureau , INC. ( a third party collection agency ) was contacted in regard to two fraudulent accounts ; XXXX XXXX XXXX XXXX in the amount of and XXXX XXXX XXXX XXXX in the amount of {$210.00}. Alleged debt for account XXXX on XXXX XXXX report was being reported at {$220.00}. XX/XX/XXXX XXXX credit report is now being reported at {$140.00}. An Affidavit of Fact was sent to XXXX XXXX XXXX of Merchants and Professional Collection Bureau XXXX Inc. XX/XX/XXXX. There has not been a VALIDATION of alleged debt by either XXXX or the third party collection agency. My credit profile that was generated XX/XX/XXXX, indicates that the " Account information disputed by consumer '', but it is still reporting negatively on my report.
07/18/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78717	Web
In late 2014, I was involuntarily transported to the hospital against my will by 2 police officers. I was not under arrest, and I was not committing a crime. I did not threaten to harm or injure myself. When I was dropped off at the hospital, I did not receive any medical attention, or even check in at the front desk. I walked home after being dropped off. I never received a bill for this " ride '' to the hospital, and had no knowledge of the debt until it showed up on my credit report. This is a fraud charge for a service that I did not ask for or need, but was forced onto me by officers who took advantage of their authority. I was not charged with a crime, as I was not, and did not commit one. I was a victim of police misconduct, and now I am the victim of the health system.
08/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77429	Web
MERCHANTS AND PROFES Last reported XX/XX/XXXX {$340.00} and XXXX $ XXXX XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 1 yrs, 1 mos ) RemarksConsumer disputes this account information Medical Original creditor nameXXXX XXXX XXXX XXXX XXXX Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Did not give auth for medical bills to be released to 3rd party do not know who this is have not been to the hospital in XX/XX/XXXX. Violates my HIPAA information. Do not want my medical history sent out to 3rd party people. I have no Idea whos account this. It is not my account I have requested it to be removed from my credit file several occasions and still has not. I DO NOT OWE THIS I HAVE REQUESTED FOR IT TO BE REMOVED! It is 2 different amounts for same day of service
08/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77429	Web
MERCHANTS AND PROFES Last reported XX/XX/XXXX {$340.00} and XXXX $ XXXX XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 1 yrs, 1 mos ) RemarksConsumer disputes this account information Medical Original creditor nameXXXX XXXX XXXX XXXX XXXX Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Did not give auth for medical bills to be released to 3rd party do not know who this is have not been to the hospital in XX/XX/XXXX. Violates my HIPAA information. Do not want my medical history sent out to 3rd party people. I have no Idea whos account this. It is not my account I have requested it to be removed from my credit file several occasions and still has not. I DO NOT OWE THIS I HAVE REQUESTED FOR IT TO BE REMOVED! It is 2 different amounts for same day of service
09/30/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 754XX	Web
I have requested verification and validation of debt per my right under the FDCPA section 809 a and b yet this company refuses to provide. I also requested them to cease telephone communication yet their auto dialer still calls me several times a day. This debt is not mine and I am demanding proof of this debt. I also disputed this debt yet its not showing as such. This is a violation of the FCRA. I also do not believe this company is bonded to collect in my state. The last four of my ssn are XXXX and my date of birth is XXXX/XXXX/XXXX. Please send proof of this debt to XXXX XXXX XXXX XXXX, TX XXXX. If I must I will seek legal advice to protect my rights. If my rights are violated in anyway I will seek actual and statutory damages against you and your client.
09/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92009	Web
Merchant & Professional Collection Agency is reporting to XXXX that I owe {$690.00} to them from a debt they bought from the Original Creditor which was XXXX XXXX XXXX. That debt is way past the 7 years from date of last activity or payment to that account. I have disputed with XXXX, but XXXX keeps coming back that they " verified '' the debt. Upon repeated requests to Experian on " how they verified '', they will not prove how they verified, which is a blatant violation of the FCRA. The debt was mine, but it is way past the 7 year window that it is allowed by federal law to be reported on my credit bureau. I just want it off, not fair that I should be punished for this debt forever. I will take legal action if my complaint here does not get the item removed.
01/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78641	Web
Merchants & Professional Collection Bureau , Inc. XXXX XXXX XXXX , XXXX, TX XXXX Reported an account in collection to all 3 credit reporting agencies as " joint ''. It is not. This is another family members sole responsibility. This company tried to contact me ( cold call ) several months but would not release any info unless I provided personal information which I do not do to unknown cold calls. This company fraudulently listed this as a " joint account '' in " collections '' against my credit. This company will not provide any information except to the other family member, yet maintains I am responsible. Action : This needs to be cleared on my credit files and this company should be severely fined for illegal and immoral business practices.
03/09/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 757XX	Web
Merchants & Professional Credit Bureau has been reporting a fraudulent collection on my credit reports in the amount of {$92.00}. I only found out about this collection from reviewing my credit reports. Merchants & Professional Credit Bureau continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints with the FTC, the TX Attorney General and the BBB. The account number listed on my XXXX report is XXXX. The last XXXX numbers have XXXX so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX Attorney General. I also plan to file complaints against Merchants & Professional Credit Bureau for ethics violations with XXXX.
02/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OH 43201	Web
This debt was incurred due to medical malpractice ( XXXX XXXX XXXX, XXXX, TX ). I asked the doctor to turn over my claim to his malpractice insurance company. This has cost me thousands of dollars to XXXX XXXX XXXX. I am still trying to collect damages from this doctor. He never responded and turned over me to collections Merchants and Professional Collection Bureau , Inc. I sent them a letter describing exactly this issue and instead of not contacting me and verifying my debt they start reporting this debt to the credit reporting agencies. They never verified the debt, like I asked and they never stopped it from being reported when I specifically told them not to, due to the circumstances above.
04/01/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 75701	Web
MERCHANTS AND PROFESSIONALS XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX MERCHANTS AND PROFESSIONALS : I have asked them on several occasions to please stop calling threatening and harassing me about the two alleged accounts. They keep telling me that I owe them two debts in the amount of {$26.00} and another amount of {$78.00} for two separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me depressed. i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. Thanks!
03/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78232	Web
I am disputing the charge of {$470.00} on my credit report from XXXX XXXX XXXX. Apparently a final bill that I never received. {$510.00} seems high for a residential utility bill?? however if that was the final bill I had with XXXX the {$50.00} refundable deposit would have reduced the bill to {$460.00}.?? I dont know ... this is not my bill ... Please help me to resolve this issue to clear from my credit report. It is being reported by all XXXX bureaus. Attached is a copy of my XXXX application and refundable deposit amount. My desired resolution with XXXX XXXX XXXX is to show this bill as Paid as Agreed or even better deleted from my credit report as it is showing under collections.
10/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 751XX	Web	Older American
I worked for XXXX XXXX XXXX in XXXXuntil the business closed, They have since gone out of business. I signed for many things when the owner was not in the office. I signed for a credit card machine for the company. I never used it for personal things. The machine was returned to the company per owner. This company continues to put it on my credit renewing it over and over. He said he would make it a personal vendetta. If this was something I personally owed it would of been paid. As you can see from credit rating. I pay my bills and all on time. If there is anything you can do, it would be greatly appreciated. Yours truly, XXXX XXXX XXXX from XXXX Mail on XXXX
01/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 786XX	Web	Older American
In XXXX I had an over due electric bill of {$430.00}. I was incarcerated until XXXX. The billed was turned over to a collection agency. I was paroled XXXX/XXXX/XXXX. I went to have my electric turned back on and was informed I owed them {$430.00} for the past due bill. I paid the {$430.00} directly to the electric company so they would turn my electric back on. I checked my credit report in XXXX and found that the collection for the past due bill was on my credit report from a collection agency. I submitted a dispute via XXXX with experian. I got a letter from the collection agency about my dispute, they said it was a valid debt that I had to pay. What do I do now?
06/08/2016	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	TX 75013	Web
Merchants called me in order to settle a collection account that was referred to them from my medical provider. When they called, they refer to themselves as a CREDIT BUREAU. As far as I know there are only XXXX national credit bureaus ( XXXX, XXXX, XXXX and XXXX ). When I questioned them about who they really are, they insisted that they are a credit bureau when in fact they are a credit collection agency. Their name is misleading and so is their representation to people they speak to. They try to intimidate me even when I kept questioning them. I believe they are fraudulently mis-representing themselves to the public in order to get clients to pay their debt.
11/11/2022	No	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX XXXXX	Web
As found through discovery, Merchant & Professional Collection Bureau , Inc. Openly tried to impersonate an Attorney on XXXX report file number XXXX issued XX/XX/2022. Which is also a Violation of the FDCPA. DECEPTIVE TRADE PRACTIVES ACT. DEFENDANT HAS NO MORE THAN 5 DAYS TO DELETE ALL ERRONEOUS and FRAUDULENT data submitted to my PRIVATE and security frozen reports according to 15 U.S.C. 1681 ( B ) ( I ). Not 5 - 7 days Mandatory 5 days according to Federal law! 15 U.S.C. 1681i subparagraph ( A ). I owe you NO XXXX FOR THE DEFAMATION AND DAMAGE & EQUITY YOU OWE ME EQUITY FOR STANDING ILLEGALLY WITHOUT CONTRACT WITHOUT CONSUMER CONSENT ON MY CONSUMER REPORTS!
06/11/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 78746	Web
I have asked Merchant & Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
06/08/2020	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	TX 75204	Web
I have a collection that has shown up on my XXXX credit report from MERCH & PROF CB where they are stating I own money to XXXX XXXX XXXX of {$140.00}. This is not due as my insurance provided them with payment and I have the EOB ( explanation of benefits to prove it XXXX. I have told the collector this and they tell me it doesn't matter as the provider would have that if that was true - they continue to call even though I have sent them the insurance company information and the EOB - their tactics are harassing and hostile and I want them to stop. This should be removed from my credit report at once as it is a fraudulent credit report against me.
08/06/2018	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	TX XXXXX	Web	Older American
No attempt was made to verify the collections disputed. I do not recall seeing the original dispute or anything from the company that they claim contacted me. There was nothing done to confirm the debt which I do not owe. It is a medical debt that was sent to a charity organization at the hospital and paid by them. XXXX XXXX is lying when they say they tried to check it out, they made no attempt to remedy the issue and just stamped it as good and put it on my report. This is not a legal debt., The original creditor was the hospital that I was admitted to. It went ot a collections agency that did NOTHING to confirm the debt.
07/18/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 787XX	Web
I have asked MERCHANTS & PROFESSIONAL to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
05/27/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 78259	Web
I have asked Merchants & Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
01/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75081	Web
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XXXX/XXXX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine. This is for both accounts you have on my cbr
04/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78640	Web
As a XXXX provider and in contract with XXXX XXXX County XXXX should not charge anything extra and is to accept the payment from XXXX as the full amount. The XXXX listed on my credit report as being charged off is incorrect and i have not seen a bill explaining any charges and showing any payment from XXXX. I also had and have a supplemental policy that should have taken care of anything else. however, they will only pay when a company is not a XXXX provider. XXXX always comes first. this was sent to a collection agency Merchants and Prof Collection Bureau ..not sure of address or itelephone number
01/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78660	Web
I am a victim of identity theft. I am writing to request that you block the following 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 the identity theft. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. I have copy of my identity theft report. Remove fraudulent account placed by the collection company from all my credit reports
08/24/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78660	Web
Merchants and professional collection bureau, inc put XXXX on my credit that I don't owe. I called the XXXX XXXX XXXX XXXX XXXX where they claimed the bill came from, they to me that I don't owe them any balance, that the Collector is not their collecting agency. I called Merchants and Professional collection Bureau to dispute the bill, they refuse to remove it from my credit report demanding my husband and I to pay the bill. In XXXX the XXXX XXXX XXXXXXXX XXXX sent me a letter that their billing system was hack into and my medical records and personal information was compromised.
04/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78749	Web
Company is reporting to XXXX and XXXX but has failed to produce accurate and complete information regarding debt. For example the bills of XXXX different patients were combined on XXXX statement but there are no signed patient responsibility forms for XXXX of the XXXX patients. Also there is no indication which patient 's bills were credited with payments and insurance reimbursements and therefore it is impossible to determine whether I am responsible for any of the bills presented. Attempts to get more info from company by phone is met with hostility and a demand for payment
05/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78665	Web	Servicemember
I have paid this debt with the original creditor XXXX XXXX XXXX XXXX Merchant and Professionals collection agency is still reporting it as unpaid. Please validate and delete. I received online notification from all three credit bureaus on XXXX XXXX that Merchant and Professionals Collections place an account on my Credit report in the totals of. {$190.00}. Merchant and Professionals violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report. This debt can not be validated, I do not owe this debt.
06/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75702	Web
Charge from XXXX XXXX XXXX in XXXX Texas in 2018. Bill of {$110.00} was paid online directly to them XX/XX/2018. They acknowledge receiving the money, but turned it over to Merchants and Professional Collection Bureau Inc for the same amount and date of service. We provided proof of payment to MPCB Inc., they contacted XXXX XXXX XXXX who again acknowledged receipt of funds, but continue to maintain that the bill is outstanding. MPCB refuses to correct the information in our account and continues to report it as outstanding to the credit bureaus.
09/10/2020	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	TX 75154	Web	Servicemember
I mailed the attached enclosures to the three major credit reporting agencies disputing the negative report on my credit record. XXXX and XXXX received my mail and quickly deleted the debt from their record. XXXX failed to follow their footsteps. Without stating a reason only stated " We have verified that this item has been reported correctly '' ( See the enclosed XXXX response ). Not sure what they saw or read that the other two reporting companies missed. The only thing I can think of is that they never bothered to read my submission.
06/10/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 759XX	Web
I recently filed a complaint CFPB about XXXX, there were two negative accounts before the complaint was initiated. One was deleted before the investigation was completed, the other was deleted after the investigation. Merchants and Professionals have put another ridiculous amount on my credit, {$26.00}. I have no idea why people would attempt to ruin your credit with such a small amount during a pandemic, It was reported on XXXX, I have no idea where this debt is from. I've never received a bill for {$26.00} in my life.
08/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 78746	Web	Older American
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
10/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TX 78613	Web
This is with regards to a notice from " Merchants & Professional Credit Bureau Inc '' A/C No : XXXXThis company has been trying to collect a debt that i do not really owe as i have worked with the debt owner ( Medical company ) on why it was paid by my insurance. This collection agency has not paid heed to all my communication in this regard and went ahead with reporting this to all credit agencies. This caused my credit score to go down drastically and prevented me from getting a mortgage on my new home.
06/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 786XX	Web
I have recieved absolutely 0 notifications or alerts from this company and/or what debt they are attempting to collect. Earlier this same year I paid a debt collector for a XXXX bill from years ago that was unpaid. It's the only possible thing that it could be related to, but this is a different collector, and I have gotten 0 communication. The company on my credit report now is mpbcredit I don't know who these people are or what they have placed such a large derogatory mark on my account for.
11/18/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78741	Web
I attempted to have the XXXX XXXX office show me where I owed them money, & they never provided me with a bill / invoice before sending me straight to collections. I still have not seen the itemized bill for what I supposedly owe. Now that I am trying to get to the bottom of this as it is effecting my credit, I can't get ahold of the collections agency. I think they are no longer operating. The company is called Merchants & Professional. None of their phone numbers/ websites are working.
11/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 480XX	Web
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$77.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
02/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 18020	Web	Older American
I have been trying to get this off my credit report, if I owed a small amount of {$56.00}, I would of paid it a long time ago! But I do not owe this, I received a letter and called to see what this was about and it is about a school ring. I have been out of college for 55 years and I never bought a school ring. I told them this is not mine! And I want it off my credit history! I do not know how my name got to them and why they think I at my age purchased a school ring!
03/16/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78681	Web
Certified mail was received on XX/XX/2021 by Merchants and Professional Collection Bureau , Inc. requesting validation of debt. On behalf of XXXX XXXX of XXXX XXXX they responded with medical records, a DIRECT violation of HIPAA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPAA form authorizing access to any such medical records.
09/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 752XX	Web	Servicemember
The medical procedure was performed in XXXX however the billing was not submitted until XXXX, this violates Texas Civil Practice & Remedies Code Title 6 Chapter 146.002 & 003 ( see the attached offer for settlement ). Furthermore the provider acknowledges the debt was paid and no further amounts were owed ( see attached paid account ). The account has been placed in collection in retaliation for a bad medical procedure and threats against them for malpractice.
05/28/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 754XX	Web
I have requested verification and validation from this company and they refuse to provide. I allegedly have XXXX accounts with them XXXX for XXXX the other for XXXX. They removed this from my other XXXX bureaus but still continue to report this debt on my equifax credit report and this needs to be removed. The last XXXX of my social are XXXX and my date of birth is XXXX/XXXX/1988. Shows the original creditor is XXXX XXXX. I DO NOT owe this debt and this debt.
02/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
IT'S A MEDICAL BILL. I HAVE NOTHING TO DO WITH THIS HOSPITAL NOR DID I RECEIVE ANYTHING SHOWING IT WAS MY ACCOUNT. I DON'T EVEN KNOW WHERE THIS IS AT. I HAVE SPOKEN WITH THEM AND IT WAS SUPPOSED TO BE REMOVED. NEVER HEARD BACK. THEN IT'S BACK ON MY CREDIT REPORT AGAIN. NO MATTER WHAT I'VE DONE IT'S ALWAYS THE SAME DEAD END. THEY DID NOT FOLLOW THROUGH WITH REMOVING. I SPOKE BY PHONE. DIDN'T RECEIVE LETTER OR RESPONSE, JUST HIT MY REPORTS.
05/10/2016	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	CO 80124	Web
Got a phone call from Merchants & Professional Credit Bureau a 3rd party debt collector using the the words Credit Bureau in their name ... .threatened me if I did not cooperate and refused to disclose who they are when I asked specifically. They told me my date of birth but would not tell me anything else ... .they also called my father and this is harassing me and my father! We are legal residents XXXX, and this debt collector is XXXX!
12/04/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 789XX	Web
Merchants & Professionals has placed XXXX collections on my credit reports as of XXXX/XXXX/2015 that does not belong to me. I called them today XXXX XXXX, 2015 and informed me that I have no debt with them. This debt is XXXX XXXX, he received these services. I 'm not liable for his medical debt. This is between XXXX XXXX, his insurance, and XXXX XXXX. I did n't sign any paperwork, documents and I did n't receive ANY medical services.
07/03/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78653	Web	Servicemember
It 's been well over a year now, and I 'm still battling with Merchants & Professional remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply with the FACTA and I 'm suffering the consequences of this identity theft.
11/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 601XX	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MERCHANTS & PROFESSIONAL XXXX Balance {$2500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
02/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77077	Web
I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I. I have attached a copy of the police report to this dispute. I have never visited this doctor or received any services from this doctor 's office.
07/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78717	Web
Requested HIPPA consent and proof I owe a debt. All that was sent to me was a statement with no signature or consent form by HIPPA to release my private information to a debt collector. Also, I see medical charges charged that do not belong to me based on their medical coding from the original Creditor. I clearly requested a HIPPA consent and proof I owe the debt. All evidence is attached to this complaint.
01/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78702	Web
I sent a debt validation letter on XXXX XXXX the company has failed to validate my debt. Instead they sent a list of medical records and procedures which I know is direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I'm requesting to please delete this information from my credit file and cease all collection activities immediately.
01/08/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MI 48446	Web
I have a medical debt from 2015 in collections for the amount of {$490.00}. This amount was paid by my insurance company in 2015 and the collections account is a mistake. I have disputed the account on my credit report several times, but XXXX XXXX andXX/XX/XXXX refuse to remove it. The account is with MERCH & PROF COLL BUR XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, TX XXXX
04/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 758XX	Web
My medical information was sold to a creditor in accordance with The Fair credit reporting act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 604a section 2 it is also States a consumer reporting agency can not furnish accounts without my written instructions 15 USC 1681 section 602a States I have the right to privacy XXXX XXXX also violated the HIPAA law
09/21/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	SC XXXXX	Web	Older American, Servicemember
MERCH & PROF C B, XXXX, Tx. has submitted maliciously false information to the XXXX Credit Reporting Agency about my account with XXXX XXXX XXXX of XXXX, Tx.. Stating that I have debts opened in XXXX of XXXX and XXXX of XXXX. I left Texas in XXXX of XXXX, I have not been back. I notified XXXX XXXX of this situation Via Email on XXXX XXXX, XXXX, with no response!
10/13/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77373	Web
I asked them over and over again to stop harassing me ... .I don't owe anything!!! This is not my account or debt. And this making my life a living XXXX. It's very stressful for me and my family. The amount is {$1300.00} that's reflected on my credit report. I've received at least 8 calls per day. I'm at a point where I will be changing my number.
07/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 604XX	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
11/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78233	Web
Merchants and professional have created financial hardship for myself by damaging my credit with a debt that they can not properly validate and prove that the debt belongs to me. I have disputed this matter with them via regular mail and also with XXXX. Yet, Merchants and Professional continues to report this invalidated debt to XXXX.
11/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76039	Web
A company called Merchant 's and Professional are representing a company called XXXX. This company claims I owe them XXXX dollars. This company never did anything for me. Nothing I could not have done on my own. They are reporting this erroneous charge falsely to credit bureaus called equivalent. I want this to stop. Please assist.
12/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 77520	Web
I noticed that XXXX and XXXX, a collection put several collections that I do n't owe on my credit. I disputed them and asked for validation on them. XXXX and XXXX just said I owe it and I need to pay them. I do n't owe any medical bills. XXXX and XXXX does not have a license or bond to collect in the State of Texas where I live
03/13/2020	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	TX 786XX	Web	Servicemember
I had a payment plan in motion and up to date with XXXX for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.
09/03/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77089	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Thank you, XXXX
04/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75766	Web
I am an upstanding XXXX XXXX. I have been the victim of identity theft. I have taken your advice and submitted and FTC Identity Theft Affidavit to the credit bureaus and the collection company itself. They seem to feel they are immune to following your laws.
03/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77095	Web
Trying to collect on unverfied debt while reporting it to credit bureaus as correct. It is effecting my credit and is making life hard to get approved for credit. I have ask them to send me proof or verification on the matter and they have failed to do so.
01/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Older American
I checked myu credit score and discovered this from a supposed 2018 incident. I have not received ANY bill or notification This was supposedly paid by a charity after I gave them {$35.00} for processing I don't know who these perple are. THIS IS FRAUD
01/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92103	Web
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
11/04/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75134	Web
I do not owe any debts to Merchant & Professionals or XXXX XXXX. I have attempted to dispute the inaccuracy reported to my credit and they have refused to remove the negative tradeline. I do not have a balance or owe any medical debts.
12/02/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 78521	Web
I never received a letter in the mail about this account. And I never received a collection notification letter as well. I 'm very disappointed how agencies can just put you in collections without letting me know by phone or mail.
01/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92103	Web
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.
01/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79764	Web
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
07/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78130	Web
I requested debt validation which was never received. I also sent validation letter via certified mail. The account was removed from XXXX but remains on others. This debt was never validated and is in violation of fdcpa
11/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33180	Web
I requested validation of debt, but : 1. Never received validation or reply from them 2. Name on their letter doesn't match my name 3. They reported to credit bureaus without validation of debt
10/15/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76135	Web
Merchants & Professional XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
12/09/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78665	Web
I called today XX/XX/21 cancel recurring draft payments and the representative I spoke with suggested to me that my credit could be damaged. I also provided a verbal cease and desist.
02/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78744	Web
My credit report contain medical bills that 's is not mine did n't see a XXXX doctor i have n't had any XXXX trouble.there 's is also XXXX doctor i have n't had an XXXX since 2003
06/27/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 78660	Web
These XXXX collections, all the reference number, just appeared on my credit reports. No notification, no letters. Just straight to my credit report by Merchants and Professional
01/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77373	Web	Older American, Servicemember
This account does not belong to me and my personal information is incorrect. This is not the correct spelling of my name. Please remove from my credit profile.
04/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75701	Web
On XX/XX/21 Merchant as Professional collection, amount {$290.00} and {$170.00} violated my hippa without consent by sending procedures and personal labs.
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	TX 78664	Web
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.
02/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75254	Web
MER & PROFCOLB is claiming that I owe them $ ( BALANCE ) but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
06/30/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 78752	Web
This is on my credit reports. I do not believe it is right. I have never received mail from them. I do not want them calling me.
01/25/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 71901	Web
Original debtor sold my account to this collection agency after they filed insurance and they would not pay them.
04/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
Merchants and Professionals is reporting an inaccurate late on my credit report.
07/28/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75134	Web	Servicemember
I was never informed of this debt.
11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76548	Web

11/10/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 78714	Web

10/17/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77096	Web

10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76548	Web

10/14/2022	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 76548	Web

08/30/2022	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	VA 23227	Web

08/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78748	Web

07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55303	Web	Servicemember

06/14/2022	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 Problem with personal statement of dispute	TX 78245	Web

05/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77338	Phone

04/27/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30291	Web

03/15/2022	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 Investigation took more than 30 days	TX 75771	Web

02/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78521	Web	Servicemember

01/31/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76039	Web

01/20/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MD 21207	Web

01/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77044	Web

12/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77407	Web

12/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77407	Web

12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75773	Web

12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75778	Web

11/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78617	Web

11/15/2021	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 Was not notified of investigation status or results	TX 77407	Web

11/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78121	Phone	Servicemember

11/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78747	Web

11/08/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78704	Web

10/12/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78704	Web

10/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78665	Web

09/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91030	Web

09/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77396	Web

08/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75707	Web

08/30/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75707	Web

08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75778	Web

08/16/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75647	Web

08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75757	Web

08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75750	Web

07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75703	Web

07/27/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78628	Web

06/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78750	Web

06/21/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75701	Web

06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77079	Web

06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75789	Web

04/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78664	Referral

04/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75410	Web

04/21/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78752	Web

04/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO 80907	Web

04/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone

04/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78660	Web

02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77563	Web

01/31/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75791	Web

01/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78665	Web

01/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78757	Web

01/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77062	Web

01/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76538	Web

01/13/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78664	Web

12/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78665	Web

12/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76063	Web

12/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78628	Web

11/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78628	Web

10/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78728	Web

10/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78664	Web

10/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 73162	Web

10/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76542	Web

07/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78628	Web

07/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78729	Web

07/07/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75773	Web

07/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78641	Web

06/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75025	Web	Servicemember

06/19/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75211	Web

04/23/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78628	Web

04/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78666	Web

04/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78610	Postal mail

04/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77521	Web

01/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78641	Web

01/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77015	Web

01/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78665	Web

01/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78665	Web

01/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78728	Web

01/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78728	Web

01/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78728	Web

01/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78728	Web

01/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78728	Web

01/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78728	Web

01/04/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78728	Web

12/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77539	Web

11/19/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75703	Web

11/19/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75703	Web

08/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77038	Web

07/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70005	Referral

07/07/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78748	Web

06/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78617	Web

06/21/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75070	Web

06/06/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76543	Web

02/05/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78610	Web

11/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76537	Web

11/04/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75134	Web

10/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77373	Web

10/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31907	Web

09/28/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78230	Web	Servicemember

09/24/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78043	Web

09/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76574	Web

09/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76574	Web

09/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78702	Web

09/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78620	Referral

08/27/2018	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76550	Postal mail

07/13/2018	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	TX 78704	Web

07/11/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75134	Web

07/06/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32507	Postal mail

06/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 48340	Web

06/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78758	Web

05/08/2018	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	TX 78750	Web

04/09/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78660	Web

03/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78653	Web

02/27/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78701	Web

02/27/2018	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	TX 78701	Web

02/01/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78660	Web

01/12/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78759	Web

12/08/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78666	Web

11/27/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78753	Web

10/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76051	Web

10/07/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78749	Web

09/12/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76661	Web

08/31/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78640	Web

06/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78744	Postal mail

06/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76661	Web

06/05/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75707	Web	Servicemember

06/02/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75707	Web	Servicemember

05/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75707	Web	Servicemember

04/21/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75497	Web

04/10/2017	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	TX 78957	Web	Servicemember

04/04/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76571	Web

03/01/2017	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 76182	Web

02/20/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	TX 78660	Web

02/07/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75686	Web

12/19/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 76574	Web

12/18/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77346	Web

08/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 78746	Web	Older American

07/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78745	Web

05/15/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78660	Web

04/16/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 78727	Web

02/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75497	Web

01/25/2016	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	TX 76542	Web

12/31/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 75428	Web

11/17/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75654	Web

11/12/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	TX 77339	Web

10/29/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75654	Web

10/07/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77590	Web

07/09/2015	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	TX 782XX	Web

05/02/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75702	Web

01/09/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 78957	Web

01/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TX 78957	Web

01/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 77045	Web

12/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75702	Web

12/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OK 73003	Web

12/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OK 73003	Web

12/03/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75703	Web

05/24/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OR 97239	Web

04/08/2014	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TX 78610	Web

03/13/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 78709	Web

03/06/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 79360	Web

02/27/2014	Yes	Credit reporting	Incorrect information on credit report Account status	TX 75115	Fax	Older American, Servicemember

12/06/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 78660	Postal mail