Merchants Credit Bureau, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/20/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 21401	Web
The XXXX XXXX XXXX XXXX XXXX XXXX has been demolished. I have reported the collection amount of {$1600.00} as being fraudulent previously. All residents were told well before the News XXXX Report on XXXX XXXX, XXXX and the Resident Meeting on XXXX XXXX, XXXX where the Housing Authority 's Planning and Development Director, XXXX XXXX explained what was happening and the events that followed ; Evacuation completion the summer of XXXX and the demolition which occurred XXXX. I witnessed the plans in action as the fences in the development were removed. I had an open case with the Housing Authority after my household XXXX from the stove leaking gas. I had reported to maintenance about trouble lighting the stove several times. The same stove was then dismantled by maintenance, and the gas turned off. No workable stove was in the unit. Once the stove was dismantled and the cause of the malfunction was found to be no fault of mine ( the renter ) the stove was due to be removed/replaced. More than three months passed where we were without a stove in the house at all, and more than six months total including the issues mentioned above when the stove was in-operable, the gas leak, and dismantling for investigative purposes I was told. When the new stove arrived maintenance asked me to sign saying I would pay for it, I asked them to please check with the rental office because I was told I would not be charged the {$200.00} for the cost of the stove. The stove was not delivered though the office stated via walkie-talkie that I did not have to pay for the stove because the cause of the previous stoves malfunction was not mine. Since XXXX after falling down the stairs the maintenance department regularly had to fix the banister for me to climb the stairs my family was treated unfairly, harassed, and harmed. By XXXX maintenance told me ( with the impending closing and demolition of XXXX XXXX XXXX ) that the banister would not be fixed again. My family therefore moved my bed ( XXXX of XXXX bedrooms ) downstairs. The Housing Manager informed me since XXXX that I would be moved to a single level dwelling because I had fallen down the stairs some XXXX or more times, possibly XXXX times and I could not have a bed in the livingroom. The case remains open to my knowledge since XXXX as I never have been able to get any acknowledgement or response to finalize a decision since XXXX ; All correspondence stopped and the case was closed with no explanation I 'm assuming. I still have not given-up on this fraudulent account in collections. The Manager started refusing to take my rent XXXX XXXX. I gave my 30-day notice and moved from an also violent area XXXX XXXX. It has been recorded that I was in the dwelling unit until XXXX XXXX and I can prove I fled and was in another state in a XXXX and prior to that I was traveling out-of-state and made it to another state in XXXX of XXXX. My {$88.00} money order was refused after the prior months rent/ a {$44.00} money order was lost by the XXXX Housing Authority 's Office. I had to trace it to get my money back. My rent was {$44.00} monthly. I had to trace the previous money order because the main office on XXXX XXXX informed me they had lost it. That caused me to lose the fee for the trace which I believe was about {$15.00} that I had to replace to get the above mentioned money order for {$88.00} since I owed XXXX months rent by then. I was told face to face by the Manager ; that the reason they would not re-certify me since XXXX XXXX, accept my payments for rent for XXXX and XXXX XXXX, nor move me to a single level dwelling since XXXX ; was because I had an open case with the Federal Government 's Fair Housing Office. There is no way I owe the amount of {$1600.00} in collections when the rent was {$44.00} a month.
04/13/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	VA 23455	Web
On XX/XX/2023 a letter was mail out to me from Merchants Credit Bureau regarding an alleged debt. I responded to Merchants Credit Bureau informing them that I wanted them to validate the alleged debt as well as Cease and desist all commination with me and they have failed to comply. I am again asking Merchants Credit Bureau to Cease and Desist all communication with me through any and all mediums unless it is for a specified remedy that I am now invoking. The term communication through any and all mediums would be telephone, email, social media and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means conveying of information regarding a debt directly or indirectly to any person through any medium. 15 USC 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. Merchant Credit Bureau refused to validate the alleged debt. That is a violation I asked Merchant Credit Bureau to provide validation of debt and they sent a letter saying that they do not have to because this dispute is the same as a dispute that they have already investigated. I never stated that I was disputing anything, I asked for validation of the alleged debt and they refused to provide that. By law, Merchant Credit Bureau is required to prove validity of the alleged debt in which they have not done so and are trying to threaten me with notices after I sent written document to Cease and Desist. The alleged debt in which Merchant Credit Bureau is contacting me about MUST be validated in which it has not been nor do they have the license to collect in my state. I am asking that Merchant Credit Bureau remove me from their data base, Cease and Desist all communication with me through all mediums with me. Pursuant to 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay the debt or that the consumer wishes the debt collector to cease all further communication with the consumer the debt collector shall NOT communicate further with the consumer except to... ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. Merchant Credit Bureau has ignored the law and I am entitled to remedy of 2,000. I have attached the first letter I received from Merchant Credit Bureau as well as the letter I sent them in response asking them to cease and desist as well as asking them to validate the alleged debt. They have failed to abide by the law and continue to use abusive and deceptive practices.
05/09/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
XX/XX/XXXX I'm writing to request this information be removed from my XXXX Credit Report Account. I've been disputing this account since it's been placed on my credit report. I lived at XXXX XXXX back in XX/XX/XXXX. When I got ready to move I spoke with XXXX the rental manager at that time. I gave them proper notice before I moved. I also was granted to move before my lease expired. The agreement was for me to clean the apartment and they would keep my deposit and I would not owe the apartment complex any rent. This was verbal agreement that XXXX the apartment manager gave me. After I'd vacated the premises several months later I started receiving collection notices that I owed {$730.00}. I left voice mail messages to XXXX who was the regional manager, I finally spoke with her and she stated that they kept my deposit, but I still owed money. I disagreed with her regarding any monies owed because what XXXX who was the Manager at the time advised me before I left that I didn't owe the apartment complex any money. I still didn't agree to what had taken place. I was still receiving collection notices until I decided to pay this money, because it would affect my credit and me not being able to rent another apartment. Before I agreed to pay the collection, I phoned Merchants Credit Bureau, I believe I spoke with XXXX XXXX I wanted to know if I paid this collection would it be deleted off my credit and she advised that it would be in a few months. Well a few months has turned into years. I've been disputing this item for several years, and they refused to delete off my XXXX Credit report. I'm writing to your agency to see if this item can be deleted from my report. I've paid the item, but the collection agency didn't remove it like they told me. Please review this matter, I look forward to hearing from someone hopefully with good news.
05/26/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30349	Web	Servicemember
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Product : Debt collection Issue : False statements or representation See complaint referenced above. The same people for the same debt continues to post this debt to different credit bureaus ( XXXX and XXXX ) under different names, not honoring the agreement made in XXXX. This is harassment and I should be given the right to sue based off this type consumer harassment that is baseless, unwarranted, and extremely prejudicial to me due to me refusing to allow one of their agents to harass me by phone in XXXX. An agreement with a third party representing XXXX and any of its many names should be an agreement honored and I should not have to see any posting of a collection for XXXX XXXX XXXX course on any of my credit reports. I have provided all documentation in complaint number XXXX back in XXXX. Why is the current administration allowing citizens to be treated by corrupt businesses in such an inhumane manner? There is no reason why I should still be dealing with this 2 years later when I held up my end of the bargain. If they want to continue to post this as a collection item, paid or unpaid, I want every dime back that I paid into this agreement.
08/11/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	SC 29841	Web
Merchants credit bureau XXXX Georgia is re-aging an account.changing the dofd to several years later..this account has been in collections over 7 years..after contacting them directly they denied..each cra has different dates for removal..experian has it listed to be removed XX/XX/XXXX and XXXX shows they reported dofd XX/XX/XXXX..collection agency stated it will remain on there till XX/XX/XXXX.. This from a fire utility company who in XX/XX/XXXX quit billing consumers themselves and starting in XXXX fire fees began being collected with county tax.also after contacting the CA by balance changed by XXXX on my credit reports probably because they had to send some proof of the account and the one they provided conveniently has no year showing but a balance XXXX less than they had been reporting.I explained that my account was sent to collections in XX/XX/XXXX and they claimed it was a different account but impossible ..I 've only lived in one place in the district the entire period..attached will be my XXXX showing the account being older than reported and XXXX being as if a newer account also a paid tax bill from XX/XX/XXXX showing fire was included in taxes beginning that year. I can furnish more if needed
06/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	SC 29841	Web
Merchants credit bureau XXXX is re-aging an account.changing the dofd to several years later..this account has been in collections over 7 years..after contacting them directly they denied..each cra has different dates for removalXXXX has it listed to be removed XXXX and XXXX shows they reported XX/XX/XXXX..collection agency stated it will remain on there till XXXX This from a fire utility company who in XXXX quit billing consumers themselves and starting in XXXX fire fees began being collected with XXXX.also after contacting the CA by balance changed by XXXX on my credit reports probably because they had to send some proof of the account and the one they provided conveniently has no year showing but a balance XXXX less than they had been reporting.I explained that my account was sent to collections in XXXX and they claimed it was a different account but impossible ..I 've only lived in XXXX place in the district the entire period..attached will be my XXXX showing the account being older than reported and XXXX being as if a newer account also a paid tax bill from XXXX showing fire was included in taxes beginning that year. I can furnish more if needed
01/30/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31313	Web
I rented from someone that has many properties. I worked for him XXXX and also made payments every month in the amount I signed my 12 month lease for. I dealt with terrible conditions of this trailer for 12 months. There was a water leak that was never fixed that caused big hole in the floor. I asked them to fix and was never fixed there was a bedbug infestation from the time I moved in up until I moved out at the end of my lease. He never did anything and my children got sick from it.. Also mold that was never fixed. After my lease was up I moved and I told him I was leaving that I would not renue my lease because he never moved me out of the home nor did anything about the conditions, he sent off documents stating that I moved out 3 months before my lease was over and that I owed him for them 3 months and as well as charging me for the conditions of the trailer in the amount of XXXX bucks.. I have all documents proving I do not owe anything and as well as conversations between him and I about the conditions of the home.. As well as every recipe for rent for every month.. I am taking him to small claims court because this is wrong.
06/28/2018	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 Problem with personal statement of dispute	GA 30813	Web	Servicemember
After submitting a request to Validate my account, the company failed to update my Credit reports with the required Status under the comment section. As per FCRA section 623-a-3 -Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C 1681s-2 ]. ( 3 ) " Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer '' ( B ) " Time of Notivce ( 1 ) THe notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ''
08/21/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29841	Web	Servicemember
I first heard from Merchants Credit Bureau , Inc. from a letter dated XX/XX/XXXX which stated I have a balanced owed of {$8300.00} and it was due immediately. I have no knowledge of any balance due to XXXX XXXX XXXX, so I sent a debt verification letter via Certified Mail to address this letter. Now I have received a new letter dated XX/XX/XXXX with a new balance due of {$7000.00} stating XXXX in debt with XXXX in interest and XXXX in attorney fees. Included in the letter is a copy of my previous lease that ended XX/XX/XXXX. There is no verification of what is actually owed and why it is owed. The amount due is changing and the company is failing to provide me with documentation for the charges. They have put it on my credit report that I owe XXXX which is highly incorrect and damaging my credit score.
04/06/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31419	Web
My Name is XXXX XXXX and I'm not a huge fan of credit due to certain belief that I have. But recently I was applying for a mortgage loan on a house and had some take a look at my credit before fully committing. I then inquired some recent and not so recent fraudulent activity on my credit report. Looking through my transUnion I recently found several unauthorized inquiries on my credit report that weren't authorized my myself. And according to the FCRA ( Fair Credit Reporting Act ), Legally these unverified and unauthorized items must be removed! Thank you!!
04/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30809	Web
I do not have a lawfully binding contract with this company. I do not consent to any contract with this company. There is no contract that exist and there is no debt that exist. I have been in contact with this company on several occasions to resolve this issue. Please note letter from company dated XXXX XXXX where the entity clearly states that there is NO CONTRACT that exist! If there is NO CONTRACT, then there is NO DEBT! This is abusive, fraudulent and unfair debt collection practices.
02/18/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH XXXXX	Web
Merchants Credit Bureau, Inc.claims that I owe {$2200.00} that was belong to XXXX XXXX XXXX XXXX , XXXX, a landlord that once I was renting an apartment from. Merchants Credit Bureau , Inc sent me a list of maintenance charges that XXXX XXXX XXXX XXXX , XXXX ( their client ) believes that I caused them. I don't agree with those maintenance charges and they lack any evidence. They have added a collection activity to my credit file and caused my credit score to go down.
11/09/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 29801	Web
Around XX/XX/2017 I had a medical debt removed from my report by XXXX XXXX that did not belong to me. The debt was in the amount of XXXX. I have a credit monitoring service and the same collection has been placed back on my report by a different company called XXXX XXXX XXXX. I have no idea who this company is nor have they ever contacted me before placing this bogus unverified debt on my credit report, causing damage to my score.
11/08/2022	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	GA XXXXX	Web	Servicemember
I have sent a total of XXXX notices to cease and desist to the credit collection company to stop contacting me via phone and to only contact me via mail on XX/XX/XXXX I sent the last notice via fax to Merchants Credit Bureau has continued to contact me they called me from their number XXXX on XX/XX/XXXX at XXXXXXXX XXXX est XX/XX/XXXX at XXXXXXXX XXXX est XX/XX/XXXX at XXXXXXXX XXXX est
05/14/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30344	Web
I contacted merchant CB XXXX XX/XX/2018 spoke with a representative and I gave her my name only to find out they don't have any account for me just my twin brother so she continued to place me on hold asking for more personal information I did not feel comfortable after giving her personal information twice to give more info after I was put on hold everytime I gave her info
09/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 308XX	Web
In accordance with the Fair Credit act MERCHANTS CB XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94703	Web
An third party called XXXX XXXX XXXX XXXX sent my information and open a loan with Merchants Credit Bureau on XX/XX/2021. Without my consent, I had contacted XXXX from Merchants Credit Bureau who refuse to close the account. After I had explained this is a fraudulent account, I did not open this account
10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 308XX	Web
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
05/08/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30046	Web
TO WHOM IT MAY CONCERN I AM WRITING IN REGARDS TO THE UNAUTHORIZED AND INACCURATE CREDIT OR REALESTATE DEBT THAT IS REPORTING ON MY XXXX CREDIT REPORT AND I WOULD LIKE FOR THE INACCURATE AND UNAUTHORIZED ACCOUNT TO BE REMOVED FROM MYXXXX CREDIT PROFILE
09/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29115	Web
I was a part of a data breach which resulted in my information being stolen and used. Since it was a data breach for the company I worked for their legal team handled all prosecutions. I am attaching all documents related to this case.
03/28/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 335XX	Web
Merchants cb XXXX claims i owe XXXX have disputed many times this debt. I have requested documentation of original debt have never recieved proof of this original debt exept the bill i owe them which doesnt prove this debt is mine
02/20/2019	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30906	Web
The account is with Merchant Credit Bureau it was filed on XX/XX/2016 in the amount of XXXX they threaten to garnish my wages of i didn't pay and it has damaged my credit as a collection..
09/24/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 308XX	Web
I have already contacted MCB about this debt. My ex-wife is responsible for this debt as she was given our house and business in our divorce. I refuse to pay this.
02/20/2019	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30906	Web
I received a collection back In XX/XX/2017 in the amount of XXXX and it has damaged my credit because it reports negatively on my credit as a unpaid collection.
02/12/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 31415	Web

01/26/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60565	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30909	Web

10/13/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	GA 30904	Web

09/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29115	Web

05/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29841	Web

04/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29841	Web

04/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30305	Web

04/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30305	Web

04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 97071	Web

09/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29461	Web

04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	SC 29229	Web

04/08/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30833	Web

04/07/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29209	Web	Servicemember

08/21/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98383	Web

12/11/2018	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29418	Web	Servicemember

12/07/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80516	Web

07/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize		Phone

06/14/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30906	Web

06/08/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30080	Web	Servicemember

03/28/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29138	Web

03/26/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30904	Web

02/26/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32137	Web

12/01/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	GA 30815	Web

06/21/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KY 40324	Web

07/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32137	Web

04/23/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30058	Web

02/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	MD 21030	Phone

06/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	KS 67037	Web	Servicemember

06/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30906	Web

11/05/2013	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 79908	Web	Servicemember