| 07/01/2021 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On the date of XX/XX/XXXX I checked my credit report and notice a account in collection from Merchant Credit Guide Company for the amount of XXXX. I reached out to Merchant via email ( proof of record ) stating they have 10 days to removed the account from my credit report or I will be reaching out to CFPB, and FTC for several violation of the fair debt collection act. due to damage to my credit score and also no letter was sent to my address regarding this account. I even explained in the email I will be reaching out to XXXX XXXX XXXX over this matter as well.
On the date of XX/XX/XXXX I received a email back from Merchant Credit stating that the account was placed in collection by the creditor on XXXX. Merchant Credit stated that they have sent out several letters on XX/XX/XXXX and XX/XX/XXXX.
I have personally never received a letter from this agency on the said dates that they allegedly sent the letters to my home address.
On XX/XX/XXXX I reached out to Merchant Credit via phone at XXXX asking about the information regarding the bill. I ask the individual I spoke to to validated the debt, the person I spoke to on the phone was extremely rude and arrogant. He would not release any information of the bill or the account number just only the amount that is owed under my name including my home address. At that point I was extremely frustrated with Merchant Credit I had to take a break to cool off.
I reached out to XXXX XXXX XXXX billing department at XXXX, the female on the phone asked for my info which I provided. I was placed brief hold, she came back on the line and explained to me there is no record of any medical bill under my name or the amount associated with my last name under that account or any record of any bill. she gave me a phone number to call XXXX XXXX XXXX to see if they have any record of the bill under my name or that amount associated with my last name.
I reached out to XXXX XXXX XXXX at XXXX explained the situation to the female on the phone she said there is no record across all XXXX data base under my name and for the amount. I asker her if she can send me a email as proof so I can provide that info to Merchant Credit which she did. I took a couple hour break due to the frustration regarding Merchant Credit on how they handled the situation.
I ended up reaching out to XXXX XXXX XXXX billing department on XX/XX/2021 at XXXX XXXX. I was transferred to the billing coordinator she asked me what was going on I explained everything to her over the phone. I explained to her on how Merchant Credit was not wanting to release any information regarding the collection amount she put me on hold and reached out to them herself. Several minutes later she came back on the line and said ok I got to the bottom of this for you the bill is not yours its your daughter bill for the service of XX/XX/XXXX. I don't know why they have it under your name. I said thank you so much for doing this I greatly appreciate it. Is there anyway that insurance may have not picked up that bill. She can look into it, she said ok the insurance picked up the bill the amount you really owe is XXXX not XXXX as the collection agency is stating that you owe and they are way off on that amount. She told me to call the doctor office and pay the bill under the date of service for XX/XX/XXXX because that what Merchant has, explained to them what is going on and what they are trying to do.
I immediately reached out to the doctor office number that the billing coordinator gave me at XXXX explain to the person on the phone she said that is not what we are seeing nothing under the amount of XXXX that I am seeing its for the amount of XXXX I don't know where that number Merchant Credit is coming up with. I asked her is there anything in your database for that amount associated with my last name for my kids she said I see nothing under that amount. I paid the bill for the amount of XXXX with approval number XXXX.
I reached out to Merchant Credit Guild at XXXX I was transferred over to the account manager. After he collected my information he asked me what will I be paying with visa or Mastercard. I told him that I will not be paying anything the account is settled I already paid the account. He said well what I'm seeing here is that you didn't pay anything you still owe XXXX. I said no I don't owed that amount in the first place. The amount you are seeing is incorrect and for the record if you would have sent me a letter back on the dates that you are stating and giving me an opportunity to dispute and validate the debt then it would have been a completely different amount and also the bill isn't mine it is under my daughter name. But unfortunately you never gave me that opportunity. At that point the account manager starting to get upset. He said ok where did you come up with that and how much do you think you owe. I said that I have already paid the bill thru the doctor office the original creditor for the amount of XXXX the told me that I never owed XXXX I can give you a couple phone numbers to call if you need me to. The account manager started to raising his voice as he was speaking to me where did you come up with the amount you owe is XXXX he repeated his self several times over this matter and then backtracked to the dates that he said that he sent out the letters to my address. I had to explained to him the process all over again several times which was the answer he did not want to hear and also explained to him that any medical bills I get is never over XXXX. That because my insurance covers XXXX plus percent of the bill that's why I thought the amount is off, that is why I ask the billing coordinator and the doctor office to confirm the amount with me the number you have is either false or fraudulent we wouldn't be in this situation if you would have sent me the letters so I can validate this why are you trying to make me feel like a liar when I am telling you the same thing over and over. He proceeded to raise his voice louder and louder stating the dates that they allegedly sent the letters and how do i know that you got them and didn't open it. I said that I have a hard time believing you because for one the amount I owe isn't the amount I owe and another thing is I honestly believe a letter was never sent in the first place because you just place random dates in your system to state that letters was sent to avoid investigation because collection agency are known to do this so they can park collections in people credit report.
After that last statement I said to the account manager he went off the wall screaming into his phone stating I was to lazy to open my mail and lazy to pay my bill that why its in collection. That I shouldn't be making baseless accusations. Demanding that I pay the amount of XXXX then a few seconds of silence he asked me for the phone numbers to XXXX XXXX XXXX and the doctor office in which I provided. He was trying to sound intimating when he said I will call them I will call them right now I will call them to get to the bottom of it and I will call you back. I was silently laughing to myself thinking ok this guy has issues.
20 minutes he calls back in a calming tone. Mr.XXXX the account will be removed from collection and it is considered close. I said ok and he hung up.
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| 04/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XXXX I submitted complaint number XXXX in reference to obtaining debt validation from Merchants Credit Guide Under the following Account numbers : Account # XXXX {$94.00}, {$100.00}, {$210.00}, {$670.00} Account # XXXX {$94.00}, {$150.00}, {$280.00} Account # XXXX {$94.00}, {$74.00}, {$67.00}, {$69.00}, {$94.00}, {$58.00} Account # XXXX {$94.00} I also sent a certified letter VIA USPS to Merchants Credit Guide on XXXX requesting validation of the above listed debts.
On XXXX I received a response from Merchants Credit Guide via CFPB portal. The response contained inaccurate information including the amount of transactions, the amount of creditors Etc.
I respectfully requested information on how they validated the above listed accounts and received no response in reference to ANY investigation being conducted.
They advised that they would provide a detailed accounting of all the accounts and have failed to do so.
This is a second request to validate the above listed accounts and debts.
Merchants Credit Guide added a derogatory marks on my Credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. 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 Collections Practices Act, I have the right to request validation of all of the above listed 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 E-Oscar 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 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 account?
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?
7. Please provide me all documentation that you have in your file that you allege to validate this debt.
Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine. I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a 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 complaints 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.
There appears to be duplicate charges on my account and these would also need to be investigated as well. Account # XXXX there are two Entries showing the same amount of {$94.00}. In addition, the Fair Credit 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 this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
It should be noted that this is the SECOND REQUEST FOR VALIDATION, YOUR COMPLIANCE IS REQUIRED BY LAW.
Please include in your response to this complaint the above listed documents, either electronically through this portal or via mail to the address on the attached letter.
If we have not received a satisfactory response within 30 days from the receipt of this complaint, we will consider that another act in the furtherance of non compliance with the FCRA and a suit will be filed.
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| 11/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am trying to avoid having to use an attorney and bringing action against them in the spirit of not complicating things for everyone. There is an easy fix to my issue. What has transpired here is really unfair and it is a classic example of why collection companies have such bad reputations.
I owe quite a bit in medical bills, I had major health issues within my family and I had an XXXX in XXXX XXXX I have never experienced something like this before and it was a very difficult and stresful situation to say the least. Allow me to elaborate on my situation.
As I stated, I owe quite a bit in medical bills and Ive never run away from my obligations. I made a decision to start the process of resolving my medical bills. I had so many medical bills and multiple accounts reporting to my credit reports that I sent over a request to Merchants Credit Guide to validate all of them. I wanted a proper accounting of all of my medical bills so I can get around to how much was owed. The medical billing industry is a mess, it is a very confusing and hard to understand. That is why I took the action that I did. After that, I reached out and spoke with Mr. XXXX and explained my situation. I am a XXXX XXXX XXXX and I work about 65-75 hours per week. My business is doing well but I need to expand and I need a commercial loan to take the next step. The issue I'm running into is my credit score has been significantly affected by all of my medical collections.
I relayed all of this information to Mr. XXXX and he was very helpful. We agreed to have him to tally up the total amount that I owed and we came to a deal. I would make a payment of {$12000.00} which I did and the rest of what is owed would be taken care of in monthly payments to the tune of {$300.00} per month. Mr. XXXX was very happy to get this size of a one time payment from me and was happy that we were able to work out a deal. His end of the deal would be to make sure that any collection account that is reporting to my credit reports would be deleted and that I would have no collection accounts from Merchants Credit Guide. I made the payment of {$12000.00} and we were on our way or so I thought. I kept monitoring my credit and saw that some collections were deleted but then to my surprise, I saw that 2 additional and new collections from Merchants Credit Guide were added to my credit report. 1 for {$23000.00} and another for {$6000.00}. I had no idea what was going on. I placed a call to Mr. XXXX to follow up and he assured me that the requests to remove the collection accounts from my credit reports were processed and that it was just a matter of time until the system updates. I waited another two weeks and those collections were still there. I reached out back again and that is when he looked further into it and then stated to me that those were medical bills that he did not see in the past when he looked it up. He stated that there was a name variation and that my former last name XXXX was what he hadnt searched under. There is a serious problem with this and he is not being truthful. 1. I have not received treatment under the last name XXXX in a very long time. 2 .He used my social security number to look up my unpaid medical bills. ( That should have given him access to everything as that number has always been the same ). 3. Merchants Credit Guide violated the Fair Credit Reporting Act when they reported these two new collection accounts to my credit reports because they never sent me the initial Dunning Letter that they are obligated to do so under law. This is a clear violation of the Fair Credit Reporting Act and I am prepared to take legal action against them.
Its disgraceful that I have been treated this way. Mr. XXXX knew how important it was for me to have a clean credit report and I made a significant payment ( {$12000.00} ) to start the process. We had an agreement and they did not honor their end. He was extremely negligent or deliberately deceptive in his dealings with me. I do not believe that he missed those medical collections. Something happened with the higher ups within this company and they made a decision to add those to my credit report since they already received a {$12000.00} payment from me. I agreed to make payments until all of my medical bills have been paid. I do not understand why they did this but it is absurd.
I am asking that they do what is right and submit a request to delete the two new collection accounts and honor their part of the agreement that we have made. I will fulfill all of my obligations as promised.
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| 09/13/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX, I had some health issues and saw many doctors. Always with health insurance, at the time it was XXXX. I am unsure of where exactly I went, at what time, because of my health at the time.
In XXXX, I disputed two accounts that showed up on my credit report from XXXX XXXX, with no knowledge of any bills ever being unpaid from my insurance. Both were found erroneous, and removed from my credit report.
Merchants Credit Guide then started reporting these accounts back on my credit report, and I have been attempting to dispute and/or resolve these erroneous reports ever since, but merchants credit guide just keeps reporting as correct.
One fell off in XXXX, and is no longer being reported. The second, I disputed with multiple credit reporting agencies, earlier this year, and it was removed from one, XXXX, but remains on two ( XXXX and XXXX ).
I have waited years for this erroneous collection to fall off my credit, as it was reporting a date of XX/XX/XXXX as the estimated date of removal.
XXXX came and instead of being removed, the estimated date of removal disappeared and now it is being reported with a one month term.
So I now not only dispute the validity of this debt, but also the term. Reporting a one month term which is false. I have never agreed to terms with this company.
According to the FDCPA : Section 807 ( 10 ) prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' 3. False statement or implications. A debt collector may not falsely state or imply that a consumer is required to assign his wages to his creditor when he is not, that the debt collector has counseled the creditor to sue when he has not, that adverse credit information has been entered on the consumer 's credit record when it has not, THAT THE ENTIRE AMOUNT IS DUE WHEN IT IS NOT, or that he can not accept partial payments when in fact he is authorized to accept them.
Violations also include : FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt FCRA 623 ( a ) ( 1 ) ( A ) reporting of information with actual knowledge of errors I have since contacted both merchants credit guide, and XXXX XXXX ( the original creditor ). Merchants credit guide asked if I had insurance at the time which I responded yes. They asked me if it was XXXX which I concurred. The agent at merchants credit guide said he used to work in public aid insurance, and informed me they were sometimes years behind I asked how he knew that the insurance didnt get around to paying it years later, and his response was he knows because I used to work there If validating whether a debt was paid or not was as easy as getting an opinion from someone that used to work there, credit reporting would be a whole different ballgame.
I then contacted the original creditor, XXXX XXXX. I talked to several billing departments, and each one told me the same thing. They told me they have no record of the account, no record of billing, and no record of me ever being a patient.
If the original creditor is unable to even tell me if I was a patient, and has no record of my billing or account, I am unsure how to find out when/if this was a bill paid by insurance. Because I was insured with public aid at the time, I should have never incurred any out of pocket costs.
It is for these reasons, that I reject the validity of this debt. This erroneous reporting is causing major harm to my credit report, myself, and my family. It is also affecting me in trying to obtain a home loan.
This reporting on my credit report misrepresents the status and character of this alleged debt and represents an unfair and unconscionable means of trying to collect this debt. I demand that all collection efforts immediately stop and merchants credit guide sends immediate notice to all three credit reporting agencies to remove this derogatory tradeline.
Failure to comply immediately will lead me to register complains with my and your state 's attorney general and also pursue legal remedy in state or federal court.
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| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/2021 I reviewed my credit report from all 3 Bureaus.
Merchants Credit Guide had posted numerous entries to the credit bureaus under the following accounts and amounts : Account # XXXX {$94.00}, {$100.00}, {$210.00}, {$670.00} Account # XXXX {$94.00}, {$150.00}, {$280.00} Account # XXXX {$94.00}, {$74.00}, {$67.00}, {$69.00}, {$94.00}, {$58.00} Account # XXXX {$94.00}, Merchants Credit Guide added a derogatory marks on my Credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection.
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 Collections Practices Act, I have the right to request validation of all of the above listed 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 E-Oscar 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 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 account?
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?
7. Please provide me all documentation that you have in your file that you allege to validate this debt.
Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine.
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a 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 complaints 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.
There appear to be duplicate charges on my account and these would also need to be investigated as well. Account # XXXX there are two Entries showing the same amount of {$94.00}.
In addition, the Fair Credit 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 this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine.
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| 07/03/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had an outstanding medical bill of {$790.00} that was sent to collection with Merchants CR. I called them on XX/XX/XXXX to pay this bill and the representative I spoke to told me that XXXX ( who the medical bill was from ) was offering me a settlement for {$600.00} so long as I paid it within 30 days. I agreed and set up a payment plan of three payments of {$200.00} using my credit card. The first payment was charged to my credit card on XX/XX/XXXX, the day that I set up the payment plan. The second payment was charged to my credit card on XX/XX/XXXX and the third was charged on XX/XX/XXXX. However, on XX/XX/XXXX I called Merchant about a different medical bill that I had paid through the doctors office to see if it had come out of my account and while we were on the phone, the representative I was speaking to mentioned that I still had an outstanding balance of {$790.00} from XXXX. I told him that I had already set up a payment plan and that {$400.00} had already been charged to my credit card. He had no record of this anywhere and I ended up having to fax them a copy of my credit card statement to prove that the money came out. It took them until Friday the XXXX to finally resolve the issue. The woman I set up the payment plan with had applied my money to someone else 's account, but they didn't know whose so essentially they lost my money and their accountant had to go and find it. When they called to tell me that they had located my {$400.00} and applied it to my account, I mentioned that I still had another payment of {$200.00} that was scheduled for XX/XX/XXXX and asked if this was going to be applied to my account or if it was still set up to be applied to someone else 's account. They assured me that they fixed everything and that the final payment would be applied to my account and then also told me that I owed another {$36.00} because the settlement was actually for {$630.00} even though the woman I spoke to told me it was only for {$600.00}. I disputed this and told them that the woman set the payment plan up for {$600.00} and that is the amount I agreed on, therefore that is the amount I'm going to pay. They said that was fine and that they'd take off the {$36.00}. Fast forward to last Friday, XX/XX/XXXX. I called them just to make sure everything was good to go and that my balance was settled. They told me that I still owe {$230.00}. I told them that we had already disputed the extra {$36.00} and that the last {$200.00} had already come out of my account XX/XX/XXXX. They said they have no idea where the last {$200.00} is and assured me they would fix it and asked me to give them a call a back Monday or Tuesday. I just got off the phone with them and when I called they said the same thing : " The {$400.00} we received for your account, but it looks like you still owe {$230.00} ''. It was like the person I spoke to Friday had no recollection of the conversation we had just had. He'd done nothing to try and fix the issue and told me he has no idea how this happened and that his accountant who was able to find and apply the first {$400.00} to my account is out on vacation. This has been going on for over a month now. I've had to take time out of my day at work to call them several times because they keep losing my money. If I hadn't called them last Friday to check and see that all my accounts were paid off, they still would've had me owing {$230.00} to them that I do not owe. No one there seems to know what's going on and none of them seem to know how to fix this issue. Every time I think that it's finally fixed, it turns out that it isn't. I do not trust this company with my money. I still have no idea where my last {$200.00} is and it has been a huge stressful hassle to figure out where the first {$400.00} went.
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| 03/17/2022 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on uncollectable debt after the statute of limitations.
Texas XXXX bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
This company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas. They consistently call and leave various voice mails from the following several numbers ( XXXX, XXXX, XXXX, XXXX, XXXX ) and when you attempt to call them back some of the numbers have been disconnected. This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or delivery lawsuit/judgement items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws includes Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney General 's office. I will also be filing a lawsuit in the state of Texas due to the violation of the TCPA and FDCPA.
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
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| 10/01/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Merchants Credit is conducting unfair and perhaps illegal business practices to the detriment of my financial security. For the last few months, I have been working directly and consistently with XXXX XXXX to resolve medical billing issue and Merchants Credit was made aware of this direct relationship. Background : XXXX quoted me just over {$100.00} for a XXXX then billed me nearly {$1500.00} when the procedure was over. After finalizing the bill, I set up a payment arrangement with XXXX for {$50.00} per month for the balance. During these negotiations, I received a letter from Merchants Credit notifying me that they were attempting to collect payment on this debt. On XXXX XXXX, 2015, I called and spoke with their agent XXXX and informed him that I was and had always been working directly with XXXX. I followed up on XXXX XXXX, 2015 and spoke to supervisor XXXX XXXX. Again, I informed XXXX that I already had a payment plan in place with XXXX, to please contact XXXX regarding the matter, and that I wished not to be contacted regarding the issue because Merchants Credit continued to try and collect this debt that I was already paying.
Instead of following up with their client, Merchants Credit and XXXX XXXX continued to attempt to collect this debt - one that does n't not belong with their agency and that has always been in good financial standing, never having been a day late - unbeknownst to me. Merchants Credit will not take my word what I am working directly with XXXX XXXX nor will they allow me to provide any evidence verifying the payment plan and the financial status of the account. Furthermore, Merchants Credit has continuously refused to communicate with their client to confirm that this account indeed does not belong with them.
When I received my credit report XX/XX/XXXX, I noticed these account reporting for the first time ( Merchants Credit is reporting XXXX different accounts that actually fall under XXXX bill and XXXX payment plan ), meaning Merchants Credit had several months to reconcile their records with their client - a simple phone call - but instead chose to report this debt to the three major credit unions - XXXX, XXXX, and XXXX. This is again, a debt that I do not owe them - I am already paying it directly to XXXX XXXX and they have been aware of that since XX/XX/XXXX. When I spoke to XXXX XXXX on XX/XX/XXXX, I tried to mediate the issue by offering to call XXXX on a XXXX way call to quickly confirm the payment arrangement - he refused, saying " he wo n't be on a three way call with anyone '' and " he does n't do business with them like that. '' XXXX XXXX also threatened that when XXXX XXXX confirms everything I have said is true, Merchants Credit will not take the account off of my credit report, but rather report the balance as being paid in full. This is NOT a satisfactory resolution of the issue because " paid in full '' reads as though the balance was rightfully in collections, it was n't, and that I paid it off and it will still remain on my credit for the next seven years ( this gives a consumer with an account rightfully in collections no real incentive to pay off the debt because the derogatory account will remain and the " paid in full '' designation does n't add any major gains to the credit score ). Rather, I would like Merchants Credit to confer with their client ( as they should have and should not be forced to have to do ) OR to allow me to provide proof that the relationship exists and that the money has been consistently paid.
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| 07/22/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have 3 accounts on my credit reports listed under Merchants Credit Guide. I originally disputed the accounts with the credit reporting agencies and they simply came back as verified. I received the dates of service from my credit report and I called my insurance to confirm that they were paid. For services provided on XX/XX/XXXX, my insurance received a claim from XXXX XXXX XXXX XXXX for XXXX. I paid my copay of XXXX, my insurance negotiated and paid XXXX. MCG is collecting for the " disallowed amount '' of XXXX. For services provided on XX/XX/XXXX, my insurance received a claim from XXXX XXXX XXXXXXXX XXXX for XXXX. I paid my copay of XXXX, my insurance negotiated and paid XXXX. MCG is collecting for the " disallowed amount '' of XXXX. For services provided on XX/XX/XXXX, my insurance received a claim from XXXX XXXX XXXX XXXXXXXX for XXXX. I paid my copay of XXXX, my insurance negotiated and paid XXXX. MCG is collecting for the " disallowed amount '' of XXXX. My insurance told me that for these 3 dates of service, I did not have any remaining financial responsibility. They told me this practice was called balance billing and Merchants Credit Guide was in the wrong for trying to collect.
I called Merchants Credit Guide on XX/XX/XXXX and I relayed this information. XXXX, the first agent I spoke to, refused to listen to the information that my insurance company provided and insisted that my insurance company did not know what they were talking about. She advised that she would send out documents for these 3 accounts and provided me the following account numbers : XXXX, XXXX, and XXXX. That evening, I also prepared written requests for debt validation and sent them via certified mail. On XX/XX/XXXX, I reached out to the creditor listed on the collection accounts on my credit report, XXXX XXXX XXXX. Through several phone calls and emails, I was told that they no longer had a contract with the emergency room I visited. Their contract ended in XXXX and all files they had were transferred to Merchants Credit Group. I called Merchants Credit Group again and tried to find out who owned the accounts. During that conversation, XXXX advised that she could not help me. I had asked questions she did not have the answer to. She transferred me to her manager, Mr. XXXX. Mr. XXXX told me that the documents I requested on Friday were already placed in the mail on that morning. I told him the information my insurance company provided and I also relayed to him the information I received from XXXX XXXX XXXX. He assured me that the information XXXX provided was inaccurate and he would get in touch with his contact. That same evening, I provided him the email were XXXX XXXX XXXX advised that they no longer held my account and everything was transferred to Merchants Credit Guide. I called the next day to make sure he received my email and to, maybe, get the name of the correct creditor and he told me he would have to research the information and get back to me. He also told me that he had not received my email from the prior evening because XXXX mail attachments and XXXX were incompatible by design. I told him that since these accounts were in dispute, he should remove all 3 from my credit reports. He advised me that I could legally ask for them to be removed through a dispute with the credit reporting agencies. We ended that call and I forwarded him the email attachments through my business XXXX address. I left him a voicemail to let him know the email was sent again as he requested.
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| 08/11/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX I received multiple alerts from two separate credit monitoring agencies ( of which I pay monthly to monitor ) that there were changes to my reports. After looking at the information, I discovered that there were five separate collections for {$160.00}, {$78.00}, {$60.00}, {$160.00}, and {$54.00} placed on my report by Merchants ' Credit Guide Company for the same medical group. In an effort to rectify this damaging occurrence, I called Merchants ' Credit Guide to inquire about the debt and get more information regarding each collection. On XX/XX/XXXX I spoke with an agent that stated his name was " XXXX '' and explained to him that I had no idea about the debt that was placed on my report before receiving the alerts and that I needed validation of the debt. He did not help clarify that issue, but instead informed me upon checking the system I owed over {$6000.00} and he asked me how was I going to pay. After letting him know that I did not want to pay something that I did not even know that I owed, he stated that I started racking up the balance with them back in XXXX. I explained to him that I am working towards purchasing a home and there was no way I could receive notice of those amounts, and intentionally not pay knowing that it could possibly hurt my score. I asked why weren't the notices sent to me and he continued to tell me about the amounts and stated it was not his fault I didn't pay. At that point, he told me that he thought I could " get along '' with a supervisor better, said he was connecting me but hung up. I called back only for the same person ( XXXX ) to get on the phone and tell me he was getting his supervisor on the phone. Once the supervisor, whom stated his name was " XXXX '' was on the line, I proceeded to tell him about the situation, including how I was blatantly ignored by the last agent named ( XXXX ). I asked the " supervisor '' why weren't the notices mailed to me so that I would have a chance to rectify the situation before simply sending it to the bureaus and he began calling out doubts that he claimed I should have received a notice. I explained to him that a letter can easily be generated but that did not mean that it was sent to me, nor that I received it, that's why I was inquiring because I never received anything. He rudely yelled, " Well maybe if you would pick up a phone, you would know something! '' Further more he told me " If you had paid the hospital in the first place you wouldn't even be talking to me! '' I explained to " XXXX '' that he had no idea what a consumer was going through at any point and time and had no right to judge. He basically stated that my comment was bologna and I owed money before Covid-19, telling me to pay my darn bills and kept talking over me. He continued to say that my claims have no validity and any company was just going to " let it go in one ear and out the other ''. I would just like to say that I have never spoken with any company that has been more rude than Merchant 's Credit Guide. There is no way anyone should be allowed to talk to consumers the way they do. I pay monthly to monitor my credit so there is no way I would have simply ignored a notice and I believe they were not properly sent. This could very well be the reason there are so many complaints against the company. I'm not the only consumer claiming that they speak to consumers in a terrible and disrespectful way, make false claims and are very inconsistent with proper notification and proceedings.
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| 04/17/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I went to the XXXX XXXX at the XXXX XXXX Hospital after I had fallen on an ice covered pavement at a XXXX XXXX . I was taken to the hospital by my fianc in her car. I told the staff that I did not have insurance and I had a continuing Workman 's Comp Case when I was admitted. I did not have any insurance, however, all of my doctors worked at the Hospital and I was treated then released a day or two later. I received a bill from the hospital with fees for all the doctors, XXXX , XXXX , XXXX , XXXX 's and the XXXX service from the that visit and I contacted the hospital to find out why I was being billed when I had t he Workman 's Co mp Case which was on going, which, they had all the billing info for. The hospital financial department called me back and said they would correct the billing and apply whatever was not covered to charity or financial assistance. A few weeks later a rep from XXXX Hospital Financial Aid De partment called me and said I qualified for 100 % payment by the department and all my bills with the hospital including all doctor bills, XXXX service, XXXX XXXX , XXXX , XXXX , XXXX 's and any other bills from my visit in XXXX XXXX to the hospital were removed or paid by them or XXXX out. In XXXX XXXX I received the first notice of delinquent bills in collections from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX , IL XXXX as to a bill from XXXX XXXX XXXX XXXX for a doctor 's bill from the XXXX stemming from my XXXX visit in XXXX XXXX at XXXX Hospital. I immediately called Merchants Credit Guide Co at XXXX and explained to their representative that that bill was part of a Workers Comp Case that was not settled or was part of the charity approval from the XXXX Hospital. I gave that representative my attorneys ' info too. The representative fro m Merchants Credit Guide Co became rude and said, " no these are your bills and you must pay them. '' I said, no they are not and to cease and desist any further collection activity or any further contact to my home or I would take whatever legal recourse I could and or form a complaint with the FTC . Merchants Credit Guide Co. has continued their attacks on me and my finance in attempts to collect these debts ever since then and I am tried of this abuse. XXXX XXXX XXXX XXXX has been reporting this to all credit bureaus, during their constant illegal assaults, illegal collections activities against me since the original letter I received from them back in XXXX of XXXX . I have sent them by mail, faxed them the statement from the hospital, formerly disputed their bills in writing a nd Merchants Credit Guide Co denies they received anything from me, continues to report falsely to the credit bureaus and continues to illegally pursue collection efforts for these bills that were all from my emergency room visit in XXXX of XXXX to XXXX Hospital. As of writing this today, X/XX/XXXX , I again contacted Merchants Credit Guide Co. spoke with their representative who said his name was " XXXX '' and explained all of this, AGAIN, and AGAIN was told they had no record of any prior contact from myself to Merchants Credit Guide Co which is just a lie. My account number wit h Merchants Credit Guide Co. is # XXXX . PLEASE HELP.
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| 04/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XXXX I reviewed my credit report from all 3 Bureaus. On XXXX.com located the following Collection account from Merchants Credit Guide.
Account : XXXX Amount of {$96.00} Merchants Credit XXXX added a derogatory remark to my credit report per XXXX.
Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. 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 money to Merchants Credit guide is disputed, and validation is requested. You should be receiving a certified letter requesting that this debt be validated.
Under the Fair Debt Collections Practices Act, I have the right to request validation of all of the above listed 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 E-Oscar 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 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 account?
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?
7. Please provide me all documentation that you have in your file that you allege to validate this debt.
Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine.
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a 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 complaints 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 Credit 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 this request for validation to XXXX Credit Reporting Agency to begin their 30-day investigational process concurrent with your investigation.
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| 03/10/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I had thought this was already resolved when I filed a dispute once before stating that I did not know of or owe this debt.
The collection company had been called by me today. I had asked asked what the debt was? A collector who identified himself as XXXX with Merchant Credit Guide Company in XXXX, stated that the name of the creditor could have changed and named two different company names that it could have changed from. After verifying my name and matching the account in question, he stated it was a debt that was from XXXX, XXXX. He then stated that this was an attempt to collect a debt. ( Note : The credit report shows false and deceptive information on its reporting. It claims on the credit report that the debt was from XXXX, XXXX. ) I had told him I dont know who the company is and that this debt was not mine. He immediately started talking quickly and said he would start the billing process and send me an invoice and transfer me to his supervisor. I said wait slow down, dont transfer me yet and he just started talking over me, transferred me and then I was on hold till the phone call hung up on me.
The law states that there must be 100 % accurate reporting. First, if the company name has changed 2 or possibly 3 times, then that is not accurate reporting. Second, if the alleged debt was from XXXX, XXXX, then they have falsely reported the date of collection. This makes someone think that this will stay on their credit until XX/XX/XXXX instead of XXXX XXXXThird, I had stated that the debt did not belong to me, so XXXX unethically turned our communication into an act of debt acknowledgment and dispute and said he was sending an invoice, without giving one moment to correct his attempt to alter the call into a collection dispute.
XXXX was well aware that there is only 3 months left until this purported debt, I dont have enough information to form a belief about being mine, falls off the credit report.
So he turned this into a communication of debt collection and dispute in order to revive the statute of limitations on collection debt that would have fallen off the credit report in 3 months, This is immoral, unethical and against the law.
The reporting was not 100 % accurate and was deceptive in practice, since it represents that if you dont call about a name and debt you dont recognize, your credit will be showing this purported debt for an additional 1 year and 6 months and be adversely effected until then.
The Fair Debt Collections Act is very clear on these subjects. The reporting was not 100 % accurate. I still dont know who the real company name is and how many times it has changed. This person should have informed me of who the two other company names were, in order to help me on what this was about. Plus regardless of the debt being found out to be accurate or not, the debt would have fallen off my credit in 3 more months. No one who knows their rights would ever call a creditor if they knew that a properly reported debt that is 7 years old falls off in 3 months ( not 1 1/2 years ).
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| 09/23/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).
The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on.
Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
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| 09/23/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I request validati
on of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).
The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on.
Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
|
| 09/23/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).
The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on.
Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
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| 07/06/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Merchants Credit Guide Co amount says {$1800.00} XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and hard inquires which i didnt do and are not linked to any open accounts they refuse to help me with removal and a few accounts that are inacurate that i disputed and were found to be false tbey closed them and they are still on my acc and i need them deleted they are possible finance for {$280.00} XXXX {$200.00} XXXX {$63.00} and theres about 12 hard inquires which i didnt do other then the XXXX XXXX XXXX. i ecen had sent them all certified letters stating This letter is regarding this account listed above which you claim is a collection that i have with your company. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the fair debt collection practices act. Please note that i am requesting " validation '' that is competent evidence bearing my signature and proof showing that i have ( or ever have ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company you represent, for a debt that i dont owe, is a violation of the fair debt collection practices act FDPCA 807 ( 15 USC 1962e ) : therefor, you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Deframation 2 ) Neglegent Enablement of identity fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collction Pactices Act.
You will be required to appear in a court venue local to me, since you are clearly dojng buisness in my area.
For the purposes of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
Please Note : This notice is a attempt to correct your records, and any information received from you whilw collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, electio, or waiver of status
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| 03/24/2023 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a bill from XXXX in the amount of {$120.00} in XXXX of XXXX for a " missed appointment '' fee. However, I did not miss any appointments. I attempted to contact XXXX via telephone in XXXXXXXX XXXX XXXX and also in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with NO RESPONSE from them.
I received a collection notice from Merchants ' Credit Guide Company on XX/XX/XXXX for the amount of {$120.00}. I completed the dispute portion of the collection notice and returned via US mail on XX/XX/XXXX. In addition, I sent a detailed request for verification of debt and dispute of debt to Merchants ' Credit Guide Company dated XX/XX/XXXX.
I requested the verification and submitted my dispute, again NO RESPONSE. I received an alert on XX/XX/XXXX that I have an account in collections on my credit report from Merchants ' Credit Guide Company in the amount of {$120.00}.
I never heard back from XXXX and I never received a response from Merchants ' Credit Guide Company regarding the verification of debt and dispute I submitted via USPS on XX/XX/XXXX.
The fact is I have showed for every appointment, I do not owe this amount of money to XXXX, and this is an obvious billing error that no one will respond to me to correct the issue. Merchants ' Credit Guide Company ignored my request for Verification and Dispute.
I maintain nearly an 800 FICO score, I pay my debts that I owe on time, I do not allow accounts to go into collection, and I have been a customer of XXXX for nearly 5 years without instance.
I request that Merchants ' Credit Guide Company respond to my verification of debt and dispute letter with the information requested, including and signed agreement for the debt obligation which is the subject matter of this dispute, an explanation of how this amount was calculated, proof that the debt is mine, and proof that I did not show up for the scheduled appointment at a minimum.
I know Merchants ' Credit Guide Company received my letter of dispute and verification of debt request because of the note that was placed on my credit report. Disputed/ FCRA compliant.
I don't have issue with paying debt that I owe, but this is not my debt. If it was my debt, would it be logical that I would let a {$120.00} bill negatively impact my credit? No! This is a perfect example of Merchants ' Credit Guide Company parking debt.
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| 07/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Merchant Credit Guide XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX Re : Acct # XXXX Re : Acct # XXXX To Disputes Department : This letter is in response to your recent claim regarding account # XXXX and # XXXX, which you claim that I owe you {$150.00} on both accounts, in which these are a duplicate. By not replying in a timely manner to my initial letter on XX/XX/2020, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and 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 and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XXXX 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.
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX Generals Office CC : XXXX XXXX XXXX
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| 04/29/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I reached out to Merchants Credit Guide on XX/XX/2020. Spoke with Miss XXXX OP ID XXXX in regards to ( 2 collection accounts for medical services. ) The original debtor and the collection agency mentioned above have failed to comply with FCRA regulations to notify of debt so I can attempt to dispute if needed. I never received anything. I reached out today to request verification of debt. They would not send the information requested. I have asked that because I was not notified and the debt was unjustly reported to the credit agencies that this debt be removed. I have verified that I do owe this debt and it was missed. However, the debt was not properly reported to me allowing me an opportunity to dispute or resolve. I offered to pay Miss XXXX today, in full, as long as she can provide me something in writing that states these debts would be removed from all 3-trade lines. She indicated that today they are actually offering that to all accounts paid to XXXX and there cause for offering this is because of the Corona Virus and they are trying to help people out given the current circumstances across the country but cant provide me that in writing. She stated, " Oh no they wouldn't put that in writing ''. Therefore, she is telling me they will remove the debt from the trade lines, but can not put that in writing to offer validation of statement. According to Miss XXXX she advised her supervisor Mr. XXXX and either her or Mr. XXXX would be calling me back today.
It is now XXXX Eastern time on XX/XX/2020 and I have not heard from them.
Therefore, I demand that the accounts held by : MERCHANTS CREDIT GUIDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX In the single amounts of : {$160.00} and {$300.00} For XXXX XXXX XXXX of XXXX XXXX XXXX XXXX KY Be removed from my credit report in an effort to make my credit report whole and true such as it did prior to these debts being reported and unjustly so.
If Merchants is willing to provide me with a letter stating that once these debts are paid in full the 2 collection accounts will be removed from my credit report at all three trade lines in an effort to make my credit report whole again as explained above. Then and only then will I provide payment.
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| 04/09/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX XXXX
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| 02/24/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was released from XXXX XXXX on XX/XX/XXXX. I was originally placed into XXXX XX/XX/XXXX -- So I was physically not able to leave any XXXX XXXX during that time.
Upon release I checked my credit reports and saw that multiple credit card / store cards had been opened. I also saw these two medical complaints as well and disputed them at the same time.
Companies like XXXX, XXXX, XXXX XXXX all did investigations with the documentation from my XXXX XXXX and they resulted in removal from my credit history/report.
The only two remaining debt collection accounts that I COULD NOT HAVE OPENED BEING XXXX, are being held by a company called XXXX XXXX XXXX our of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. The company is always threatening, verbally and literally aggressive during calls to inform them post-disputes that they have something incorrect. I have been trying to resolve this because of two reasons ; 1. I was in FEDERAL XXXX XXXX 2. IF SOMEONE HAD USED MY NAME WHILE I WAS IN XXXX THEN WHY SHOULD I BE RESPONSIBLE FOR THE DEBT? ANY MEDICAL DEBTS WHILE IN XXXX ARE COVERED BY THE BUREAU OF XXXX OWN MEDICAL SERVICE TRIAGE EACH XXXX LOCATION HAS.
I tried at least 5 times to calmy speak with this company, I have disputed at least 8 times on the 3 different bureaus and this collection agency always comes back with the answer of, " Verified as accurate ''.
But I could not have left XXXX, I was sentenced for XXXX XXXX and they do not give furloughs to XXXX XXXX even though my charge was XXXX XXXX with a note. Because XXXX is XXXX I under federal guidelines can not leave the XXXX and could not leave the XXXX in XXXX, PA United States XXXX XXXX.
Today is XX/XX/XXXX I have lost count of exact attempts at disputes with a actual Federal letterhead stating that I was in XXXX during that time. This is what resolved all of the other opened while in XXXX. This company seems to be aggressive, and not cooperative at all when I try to inform them that its impossible for me to have made these. I have documentation proving my XXXX. Thats all I need to show that I could not go for a drive from PA to IL and open these accounts for whatever medical issues they are for.
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| 03/06/2022 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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Disputes have been filed with the credit bureaus and recorded phonecalls have been made. Additionally there was a conflicting statement sent.
I called to ask for an itemized statement to explain the {$390.00} collection sent to Merchant Credit Guide by getting the bill from the source of the debt, XXXX XXXX. XXXX was bought out by XXXX XXXX and here is where things get complicated.
Instead of getting the itemized bill for the {$390.00} in collections I was sent a completely different bill totalling {$930.00}. When I asked which department could explain the line-items, why my bill was suddenly almost 3 times higher, and who had responsibility for disputing incorrect or fraudulently added line items I was transferred between departments on a near endless loop.
When someone finally took the time to explain the new items the explanations didn't make any sense. {$630.00} for XXXX XXXX Type A Level 3 was explained as " to cover costs for nurses because the ER is expensive. '' That's not a proper explanation for an itemized bill. They never explained the exact service ( s ) or item ( s ) I would have recieved.
They later tried back tracking and explained the new charges as " because your insurance was denied, '' which might have made sense if the bill sent to collections was for the newer, higher amount. The part they failed to explain to me was how and why the charges increased *after* I filed disputes and asked for a correct, itemized statement to explain the {$390.00} owed.
When a form of resolution was proposed, it was that they would remove the old account in collections so they could validate the newer bill instead of resolving the disputed {$390.00} properly. Again, making it seem as though the new amount was a retaliation for trying to exercise my rights to know why and how I am being billed the way that I am.
My issues arent with Merchant 's Credit Guide, but with XXXX XXXX for trying to alter a bill well after it was sent to collections.
I have went ahead to call my insurance and try to reach a resolution on that end as a courtesy, however the dates in question are too far back for them to have any ability to extend coverage.
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| 04/26/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Merchants Credit Guide XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Montana, XXXX To : The Office of Registered Agent for Merchants Credit Guide From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX
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| 02/19/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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In XXXX of XXXX I noticed my credit report showed a new collection from a company called Merchant Credit Gui. in the amount of {$220.00} to a medical account with no information provided.
I immediately contacted the collection agency that was named in collection account, on my credit report, via the address provided. I sent them my initial letter in XXXX of XXXX initiating my DISPUTE. Thirty days after I initiated my DISPUTE with this company requesting a FULL INVESTIGATION, they never responded. Furthermore, I did advise them that they were in violation for first of all not annotating on my credit file, that this account was in DISPUTE, which they never did, and they didn't respond to my letter as well.
On XX/XX/XXXX I reached out to them yet again, via Certified Mail SN # XXXX XXXX XXXX XXXX XXXX, which in fact was my SECOND letter to their office regarding this inaccurate entry on my report. I requested that they again, either investigate these charges for validity and provide me with this information, or delete this entry from my credit file, which still wasn't marked as being in DISPUTE and they haven't responded.
As of XX/XX/XXXX, I wrote them yet again, via Certified Mail SN # XXXX XXXX XXXX XXXX XXXX, asking them to please do the right thing and remove this account that is being reporting in violation of the law and its inaccurate in its entirety. I also provided the SN # XXXX XXXX XXXX XXXX XXXX and the time stamp it was received which was XX/XX/XXXX @ XXXX, and all this still with no response, yet they continue to report this account.
This is causing a major problem for me personally, and has hindered my family from acquiring the financial products that we need to purchase our first home. I have given them more than enough time to validate the information, and if nothing else to at least mark this as DISPUTED which they have not. I need this information REMOVED/DELETED off my credit reports immediately. There is no validity to this alleged account and they can not validate themselves.
In closing, I am requesting that you have them remove these inaccurate entires on my credit reports without prejudice.
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| 03/06/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi CFPB, My name is XXXX XXXX XXXX, I check my credit report every couple of weeks Here 's the problems that hasn't been corrected since XXXX of XXXX, I contacted this creditors / companies by phone, Number 1. XXXX XXXX XXXX XXXX has made an inquiry on my credit report several months ago back in XXXX, which I spoke to the secretary of the dealership, at which time I explained to her that I didn't request for any information on purchasing a new car from them, nor did I fill out a credit application, nor have I ever been to the dealership, which was to relay this information to the top management there to remove this entry from my report to this date XX/XX/XXXX the entry hasn't been removed.
Now for complaint number 2. I have disputed this collection amount of {$1300.00} that was place on my credit report a few years ago that isn't mine, nor do I know anything about, XXXX XXXX XXXX, who has place this in collection with Merchant Credit Guide base in XXXX Il, located at XXXX XXXX XXXX XXXX XXXX XXXX, I have ask both the collection agency and the credit bureaus to remove this entry for it's not mine, I didn't required any emergency services until XX/XX/XXXX when I had XXXX XXXX at that time, which I was driven to the XXXX Hospital located in XXXX Illinois 25 minutes from my resident. Which I had XXXX XXXX XXXX XXXX XXXX XXXX, and still do as to this day. I file for a chapter XXXX back in XXXX of XXXX, which included all medical bills, as well as miscellaneous creditors. These items should be removed and my credit report with all reporting credit bureau should be update to reflex the changes. Along with the removal of several unknown reported entries, XXXX XXXX in XXXX XXXX CA, XXXX XXXX base in XXXX XXXX NJ, XXXX XXXX no information for contact listed on report, XXXX Card no contact information listed on report, XXXX XXXX. no contact information listed as well for this company.
Please investigate and has these entry removed from my credit reports that has handicap me for far to long.
Sincerely XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX
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| 09/28/2023 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I am writing to demand removal of illegal information on my report. I have not given consent, authorization, written instruction, permissible purpose to report my medical information. This is a violation of myriads of hipaa and privacy laws including but not limited to 42 usc1320d-6. It is a violation to disclose and obtain this information and I will get law enforcement involved removed immediately. I demand removal and rapid rescoring of my report.
Consumer reporting agencies have a grave responsibility to make sure reporting is accurate and legal. This obligation has not been fulfilled in this matter. This is causing damage to my credit worthiness and is NOT an accurate reflection of me, my credit worthiness or my ability to make payments. This violation of my rights to privacy is very serious and does come with legal implications for ALL parties involved. I am giving in good faith opportunity to cure. I waive all rights to sue if this matter is taken care of within XXXX days.
Transactions and experiences are to be excluded from the report. I expect compliance with the law. All applicable state and federal laws and regulations should be upheld including but not limited to the FCRA, FDCPA, GLBA, FTCA, HIPAA. This is also a violation of the criminal and tax code.
These are also Violations of state multitudes of state laws including but not limited to FInancial services consumer privacy Act, Consumer Credit reporting agencies act, Personally identifiable information protection act, Illinois Fair Debt Collection Practices Act and health information privacy act.
Rather than risk liability for MILLIONS in fines, fees, and penalties and injunction for these violations on the creditor, data furnisher, reporting agencies, debt collector with the FTC, SEC, CFPB, OCR, OCC, AND ATTORNEY GENERAL.. I simply ask that institutions act in accordance and remove this account and late payments. I am counting on compliance and rapid rescore to reflect my credit worthiness. I thank you for your time and attention to this issue. Have a wonderful day.
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| 08/12/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Hi, My email and password was found on the blackweb and I have 19 data breaches dating from XXXX - XX/XX/XXXX. I have taken the appropriate measures to pay for credit monitoring services. In XXXX, a medical collection was added to my credit report that was inaccurate and unverifiable as it does not belong to me. After some research, I found out the original debt came from XXXX XXXX XXXX and was sold to Merchant Credit Guide Co. Unfortunately, XXXX XXXX XXXX was unable to give me any information about the debt over the phone and when I spoke to the records department because the debt head been sold. So, I started to dispute this information through the credit bureaus and Merchant Credit Guide Company by certified mail on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was only two responses received on XX/XX/XXXX stating, " Dear Customer, This notice is to confirm that we are in receipt of your request for validation of the above mentioned account. We will send your request for the documentation to the creditor. Upon a receipt, we will for it on to you. If we are unable to obtain the documentation a a timely manner, we will close the account, cease any further collection activity and return the account to the creditor Sincerely, Compliance Department Merchant 's Credit Guide Company - This communication is from a debt collector and is an attempt to collect a debt,. Any information obtained we will be used for that purpose. '' The last correspondence was to the debt validation letter which was received by Merchant Credit Guide on XX/XX/XXXX, which stated there was an XXXX XXXX XXXX on XX/XX/XXXX, with no signature of the individual who actually signed or filled out the the emergency form. I have called Merchant Credit Guide Company on a number of occasions and the phone either rings continuous or makes a high pitch beep sound. And I have explained to the collector in numerous certified letters that my email address and passwords had been compromised and that I did not create this bill.
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| 01/03/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Hi I am Im making this complaint against MERCHANTS CREDIT GUIDE for identity theft. I have never given MERCHANTS CREDIT GUIDE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MERCHANTS CREDIT GUIDE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MERCHANTS CREDIT GUIDE continues its collection efforts, I will file for litigation for actual damages caused and MERCHANTS CREDIT GUIDE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
I reject your offer to contract. I did not consent to any nonafliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act.
I would like the name and address of the original creditor as I have reason to believe that you both are conspiring to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file for suit for intentional infliction of emotional distress.
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| 07/23/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I, Called XXXX XXXX Starting on XX/XX/XXXX to resolve a debt that I owed in the amount of {$320.00}. this company could not find my account. I informed them that it was in collections, they then informed me to call the collections agency that they no longer had that account. I then called the collection agency and they could not find the account. I had a order number that I gave the collection agency and they were able to find my account. The collection agency informed me that they returned the account back to XXXX XXXX. I then called XXXX XXXX on XX/XX/XXXX and informed them that the collection agency says they no longer have that account. I gave XXXX XXXX my file Number once again and they were able to find the account. I asked if i should pay them, XXXX XXXX or the Collection Agency they said that I could pay either one. before agreeing to pay i asked the associate that I spoke to " Once payment is made in full will the charge off be removed from my credit report and he answered yes. I then asked him if he was sure he repeated yes '' he assured me as soon as there office received full payment that the charge off would be removed from both credit Bureau 's i sent a cashier 's check in the amount of {$320.00} to Merchants ' Collection Agency. I then called XXXX XXXX back after payment was made, spoke with a supervisor and he said that they would not be removing the charge off from my credit report. He said " the he could but he would not because it is not company policy ''. I informed him of the conversation that i had with one of their associates and i gave him that person name. I explained to him that that was unlawful what they did to me. He then apologized and said he was going to have a coaching/training meeting. This is Larceny by Conversion and this company reported that the account was paid but refuse to removed the charge off from my credit report
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| 05/01/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I sent written notices to Merchant 's Credit Group that I disputed the above referenced debt, and requested validation THREE times.
On XX/XX/XXXX, I sent them a validation request. I never received any paperwork they stated they mailed out to me. After the 30 day time frame for Merchant 's Credit Group to given to validate the debt, I received a computer generated statement stating the original creditor, account number, amount, the last four of my social security number along with my first and last name. I sent them a letter demanding them to delete the account due to NOT validating the debt with the 30 day frame. The account is still showing up on my credit reports.
On XX/XX/XXXX, A Female supervisor inform me that shes NOT allowed to verify the info over the phone but demanded I give her my information in order to proceed. She lied to me that Merchant 's Credit Group never received my DV letter and then put me on hold for 10 minutes then informed me they did receive it. She refused to provide any information over the phone. She then raised her voice at me stating that Merchant 's Credit Group sent everything to me, and to deal with it myself and hung up.
Merchant 's Credit Group has not responded to any of my validation requests mailed to them.
On XX/XX/XXXX, due to Merchant 's Credit Group failure to validate the debt 3 times, I sent them a Notice of Failure to Validate Debt of Account No. XXXX and demanded the account be removed from all three credit reports.
Merchant 's Credit Group has not provided a signed contract showing my liability by corresponding my Social Security number with my signature to ANY of the validation requests and nor removed the account after receiving a Notice of Failure to Validate Debt of Account No. XXXX.
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| 12/16/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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IN REGARDS TO : MERCHANTS CREDIT GUIDE CO.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, ILLINOIS XXXX THIS IS MY SECOND TIME ASKING FOR VALIDATION OF DEBT AND HAVE YET TO RECEIVE ANYTHING!!!! I was wondering why the furnisher is reporting this account as accurate when they dont have legal status to do so.
I would like to let your company know that I am disputing your claim. The account was opened fraudulently and forgery was committed and the account does not belong to me, and if you can not provide me with a contract or documentation of agreement that has my signature then remove the negative item immediately.
Under the FDCPA, I am allowed to request validation for a collection. As you know, not complying with FDCPA will put your company in a bad position with the FTC and CFPB.
I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.
2. Proof that you have the right to collect this debt in my state.
3. Proof that your company carries a bond.
4. Proof of how your company assessed the outstanding debt.
5. Payment history from the original creditor.
6. Name and address from the original creditor.
7. Copy of the original contract bearing my signature.
8. Chain of title on this debt.
9. Proof that you can collect this debt from me.
10.Do you own or is this debt assigned?
11.Copies of all letters sent to me from you the original creditor regarding this debt.
12.How much did you buy the debt for?
13.When was the last date a payment was made on this debt?
14.What fees/interest was tacked onto the debt?
15.How were the fees determined?
ONCE THE ACCOUNT HAS BEEN PROPERLY INVESTIGATED AND VALIDATED AND VERIFICATION THAT I'M RESPONSIBLE FOR THE ACCOUNT I EXPECT A RESPONSE.
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| 09/25/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This debt is in regards to a medical bill for my minor son 's treatment through XXXX XXXX XXXX XXXX XXXX in the amount of {$120.00}. My son went in for his XXXX XXXX appointment onXX/XX/XXXXand his service was not covered by my insurance company because he had exceeded the number of his wellness visits.
I contacted my insurance company ( XXXX ) to file an appeal and was told that they would consider the appeal. The insurer agreed to pay the claim and reprocessed the payment. I notified XXXX that the payment was going to be reprocessed and paid. A couple weeks later they notified me that this payment had still not been paid and would be sent to collections. I subsequently called XXXX and they told me they would make a rush payment.
Today, XX/XX/XXXX I received a call from Merchants Credit Guide indicating that I owed a bill to XXXX XXXX in the amount of {$120.00} that was sent to collections on XX/XX/XXXX. I informed them that this should 've been paid by my insurer and that I would call them back with further information. I contacted my insurer and was notified that this bill had been reprocessed and paid on XX/XX/XXXX through electronic transfer, record number XXXX in the amount of XXXX I proceeded to call Merchants and notify them to update their system. They told me I should also call XXXX and file an update with them.
I 've tried to call XXXX to get some type of communication indicating this was sent in error and an apology. I have an excellent credit score which I 've worked hard to maintain and achieve do not wish to see it tarnished through an incompetent and careless billing department. I wish to see some type of sanctions as this callous and careless attitude should not go unpunished I can provide any further information that the CFPB shall require.
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| 09/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XX/XX/2019 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : MERCHANTS CREDIT GUIDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX Balance : {$150.00} Dear MERCHANTS CREDIT GUIDE, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other state/federal agencies.
Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
Thank you for your time, XXXX XXXX
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| 09/27/2018 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I reviewed my credit report and I noticed that there was several collections on my credit profile in regards to medical bills. The company that was reporting in Merchants Credit Guide Co. therefore I called and asked if they could send me something and verify what services was i being billed for, and also if they could verify if they are in fact the collection agency assigned on Behalf of XXXX hospital never got verification I got a copy of a itemized statement. So i filed a dispute with the credit bueras and all of them stated that the charges were valid.I then contacted the hospital today and spoke with the billing department and for one Merchants Credit Guide is not a hired collection agency this is supposed to be collecting on their behalf. They informed me that XXXX is their collection agency and their ph # is XXXX also the amount that the billing dept stated that i owe was not the amount that this fraud agency was reporting and in fact the rep stated that I there was a oversight and that my secondary insurance was not billed therefore I own {$0.00}. The billing rep stated that she would send my out a statement of current charges and she stated that she would have to go back in a rebill my secondary insurance, however I told her to send me what they say I owe as of now. So i can have proof that this Merchants Credit Guide sent my a invoice that is not the correct amount, in addition to them not even being the collection company that is collecting on behalf of the Hospital. Please help me get these frauds off my credit report. The credit Bueras are not of any help and i have sent over countless dispute letters only for them to verify debt from a collection company that is not authorized to collect a debt in the first place
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| 06/23/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Merchants credit guide continues to send me mail and report I owe to the credit bureau and that XXXX told them to do so. This is incorrect I contacted XXXX myself and have proof mailed in to each credit bureau that I have XXXX balance and this was taken care of. I have a XXXX XXXX I was homeless and XXXX held under a XXXX XXXX. This was never even billed to me or even had a home to mail the bill too to even be aware of it. I lived in shelters, on the street and ended uo attached with XXXX and XXXX XXXX and XXXX and put in a XXXX XXXX for almost another year. XXXX told me Through maio and over the phone to disregard bill. I have the proof and paperwork and have mailed it to everyone. Including the credit agency still reporting i owe. Its called a gift or care and also its against my rights to charge me while holding me against my will. I have proof of XXXX, homelessness, etc. Gift of care was what XXXX referred to as balance owed being {$0.00}. I sent the letter from XXXX to MCG and they still are saying I owe a balance which I do not. I also qualified for XXXX at the time and that was never run through nor was I able to make any mental or financial decisions due to my XXXX XXXX which I still suffer from and XXXX. Please remove from credit I have contacted them multiple times and they refuse to resolve the issue when XXXX already has. Account balance is {$0.00}. Completely covered. Admission XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX and was sent out to additional XXXX hospitals immediately from there. I received no info about any of this until I was stabilized enough and checked my credit to see this and was appealed. The way they have treated me after multiple calls is not okay. Please help. Thank you!
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| 10/12/2017 |
Yes |
- Debt collection
- Private student loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX University is a ripoff I would like to discuss a situation dated XXXX XXXX to XXXX XXXX in regards to a term I wanted to do a setback on not withdrawl just a holding period in which not to withdrawl funds of any kind from fasfa, it turned against me unfairly by my student advisor, I repeatedly asked this person to not withdrawl me from the term I just needed an emergency family leave for a couple of months to be placed on a hold. Next I received a bill in the amount of approx {$130.00} of a balance owed for XXXX session within that that term to which I have not taken. Plus they pulled with non authorization from my student loan account. I tried contacting over and over spoke with this person one time. Nothing has been resolved they are a private instituion in which want to bank all profits no matter what the cause. They state clearly they would do whatever it takes for students to succeed and give back where needed to continue your career goals. Well I amongst others find this to be very misleading upon other allogations. So after emails and a written letter sent to the main office in XXXX, IL to the student dean I have heard nothing, all I got was repeated bills sent now owing {$800.00} with no explanation as to why? I refuse to pay a high price for misguidance and misleading information and fraud on obtaining funds from Fasfa. I am almost upon graduating and from what I have recieved from the FTC already was a refund check of a small amount in a settlement some others students had file all being seniors and close to graduation the same things happened that are going on with my status. I even tried to resolve coming back to finish guess what nobody wants to assist my status.
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| 03/13/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX is not helping the consumer and is allowing these collection agencies to place fraudulent accounts on my file. on XX/XX/2021 I submitted dispute Confirmation number : XXXX with a due date of XX/XX/2021 for an account that is not verified as belonging to me, and the collection agency MERCHANTS CREDIT GUIDE would not provide a copy of the executed contract as requested prior to filing the dispute with the credit bureau.MERCHANTS CREDIT GUIDE did not provide the requested verification documents within 30 days therefore XX/XX/XXXX deleted the account from my file. However, on XX/XX/2021, MERCHANTS CREDIT GUIDE somehow resubmitted the same exact account to my file as a duplicate for approximately 5 days (XX/XX/2021-XX/XX/2021 ) at which time XXXX removed the original disputed item sent XX/XX/2021 which violates guidelines to have the same collections account on my file twice at the same time. I called XXXX to ask how's this possible and was refused to speak to a supervisor after the agent stated he can not expedite the deletions request, he can only resubmit the dispute of the new account and allow another 30 days for MERCHANTS CREDIT GUIDE to respond. This now allows the collection agency a total of 60 days to provide proof of account instead of the given 30 days. Again, the collections agency has refused to provide an executed contract and validation of ownership of this account. XXXX has opened a new dispute today XX/XX/2021 Confirmation number : XXXX for the same exact item I disputed over 30 days ago. This should be removed immediately and case closed. However XXXX is not willing to help the consumer, only the collection agency and this isn't fair to me as a consumer.
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| 08/17/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX I called Merchants Credit Group, asked for a supervisor and spoke to Mr. XXXX. Mr. XXXX stated that both he and Merchants Credit Group are neither aware nor associated with the account number XXXX thats reporting to the credit bureaus. Mr. XXXX stated that the only accounts that he can locate are XXXX, XXXX, XXXX & XXXX. Mr. XXXX stated he could not disclose any more info on what type of debt, etc and Hung up.
Merchants Credit Guide received a letter on XX/XX/XXXX via USPS certified tracking number XXXX stating they have the wrong individual, to correct their records and cease all collection activities.
Merchants Credit Guide received a letter on XX/XX/XXXX via USPS certified tracking number XXXX stating Im disputing the debt AND requesting validation of the debt.
Merchants Credit Guide failed to validate the debt within 30 days by law.
Merchants Credit Guide received a letter on XX/XX/XXXX via USPS certified tracking number XXXX stating they are now in violation of the FCPDA and that Im requesting validation a second time before taking legal action.
I spoke to Mr. XXXX again on XX/XX/XXXX stating that the so called account/accounts NEED to be ceased due to failure of validation. Mr. XXXX stated he could not assist me and hung up.
Merchants Credit Group received a Notice of Intent To File Lawsuit on XX/XX/XXXX stating that if the account/accounts are not deleted by Friday, XX/XX/XXXX, I will be filing a lawsuit for multiple violations.
As of XXXX, the account/accounts are still open according to a rep at Merchants Credit Group who refused to provide me with their name, refused to connect me to a supervisor and hung up.
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| 11/26/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX I filled a complaint demanding removal of this derogatory mark from my credit due to failure to notify and verification of this debt IM now submitting a new complaint as the mark still hasnt been removed nor has verification of this said debt been sent this is a complete violation of my rights as a consumer IM REQUESTING this mark from merchant credit guide be removed immediately from my credit or I will be moving forward with litigation surrounding this matter if it isnt handled expeditiously REMOVE ALL HISTORY AND ANY TRADE LINES SURROUNDING THIS UNVERIFIED ACCOUNT attached is my original complaint which still hasnt Been rectified!
For the past XXXX weeks Ive received multiple hang up calls from a credit collection agency named merchant credit guide I never spoke with anyone regarding an account or bill untill I spoke with someone on Tuesday ( not regarding any account regarding the hang up calls ) after being hung up on and told them to stop calling me and hanging up as a consumer Im fully aware of my rights today XX/XX/XXXX I received a notification regarding my credit being hit with a derogatory mark and its from this company merchants credit guide I want this mark removed from my credit immediately as proper steps for notification and validation for this said debt has not been made prior to putting a derogatory mark on my credit IM the ALSO disputing the validity of the bill Im requesting a print out for whatever the said debt is if the mark isnt removed immediately I will be moving forward with litigation as this is a violation of my rights this debt is not mine Ive never even done business with this said company
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| 04/25/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I contacted the collections agencies below to advise that the two debts are not my debt. I asked for proof of contracts etc. I was hung up on by both at least once. I then wrote a letter which they received XX/XX/XXXX requesting this information. I did not received a follow up letter. I disputed with XXXX and XXXX several times and it has not be proved to be my debt no removed. I called XXXX and XXXX XX/XX/XXXX asking what should be my next steps. I was told to contact Merchant Credit Guide again. I explained that I've been unlucky in getting assistance from the claiming firm. I called Merchant back on XX/XX/XXXX and spoke with " XXXX '' who stated " we do not have a contract and all that messy you are asking about. Pay the debt. '' I asked again for proof of this being my account and debt owned to Merchant. He then stated " we sent you a letter. '' I said I never received a letter from your company. Can you re-send both letters? He state " I don't think we can send again, we already sent a letter to your address. '' I think said this is fraud and not my account. I will file a complaint against your company for fraud. he said " ok ma'am. '' we ended the call. I have attempted to resolve this with both XXXX and XXXX XXXX XXXX and I've gotten no where. I will not pay for something that does not below to me. I am filing a claim against both agencies and this is fraud.
Merchant Credit Guide, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX, XXXX Account Numbers XXXX {$340.00} opened XX/XX/XXXX XXXX {$440.00} opened XX/XX/XXXX Collection Department / Agency / Attorney Medical/Health Care {$340.00} and {$440.00}
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| 10/28/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was contacted by phone on XX/XX/2021, repeatedly from phone number XXXX. They left several messages in reference to a " debt owed and this was an attempt to collect a debt. '' I called the number back and the agent had my correct birth date, and talked about an address on " XXXX XXXX XXXX, in XXXX XXXX, CA. '' He was talking so fast, I could not write down the entire address. I was really surprised to be contacted on my cellphone as well.
I am the victim of prior identity theft, and this must be another event with that happening again. The agent demanded more personal information from me, obviously which I refused because this seemed like a total scam with the unprofessional manner with which they were acting.
Not only was this not me, I have never even been to XXXX XXXX, in my life. When I mentioned fraud, the agent started yelling at me in a non stop tirade that I could not decipher, I kept asking for a manager or supervisor, and he was angry that I was interrupting his tirade of non-information. I feel like the call itself was some sort of scam. I have no current alerts to any activity on my credit report. I was trying to get the name and contact information of the caller, but he would not let me talk. I followed up this harassing phone call with a call to update my ID theft case with my local police department and I'm waiting on further instruction from them on how to proceed with this new incident.
I called back a second and third time to hear the company name at XXXX and XXXX XXXX and talked to another agent who refused to give me his name, but gave me their address and main contact number.
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| 10/18/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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MERCHANTS CREDIT GUIDE is aware that I refused to pay the alleged debt they say I owe. MERCHANTS CREDIT GUIDE is aware that the alleged debt is a result of identity theft. MERCHANTS CREDIT GUIDE has been requested to cease and desist all collection efforts through all mediums. MERCHANTS CREDIT GUIDE has also been requested to cease and desist communication through any mediums including credit reporting agencies.
MERCHANTS CREDIT GUIDE was notified in XX/XX/2022, XX/XX/2022, as well as XX/XX/2022 about the fraud taking place in this transaction. MERCHANTS CREDIT GUIDE continues to harass me for payment yet hasnt provided the following : A. Original Account-Level Documentation B. A chronological listing of the names of all prior owners of the Debt and the date of each transfer of ownership of the Debt, beginning with the name of the Creditor at the time of Charge-off, if Respondents are initiating a Collection Suit on behalf of a Debt Buyer C.A certified or otherwise properly authenticated copy of each bill of sale or other document evidencing the transfer of ownership of the Debt at the time of Charge-off to each successive owner, including the Debt Buyer on whose behalf Respondents initiate a Collection Suit. Each of the documents evidencing the transfer of ownership of the Debt must include a specific reference to the particular Debt being collected XXXX. A document signed by the Consumer evidencing the opening of the account forming the basis for the Debt ; or ii. Original Account-Level Documentation reflecting a purchase, d.
payment, or other actual use by the Consumer
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| 07/05/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Merchants Credit Guide Co., a collections agency, sent me two bills, allegedly on behalf of XXXX XXXX XXXX, XXXX, even though I already paid off my balance with the alleged creditor. In fact I double-checked that I have a XXXX balance with XXXX today, XX/XX/18.
- The first bill, in the amount of {$520.00} I believe, was sent around late XXXX. Some time after I paid off my balance directly on the alleged creditor 's website.
Right after that I sent Merchants Credit Guide Co. a letter notifying them that I was not accepting their " services '' as a collection agency. A return receipt shows they acknowledged receipt of my letter somewhere in XXXX.
- Recently I received another bill, for {$38.00} this time. This morning, after I double-checked with XXXX XXXX XXXX, XXXX. and confirming that I owe them $ XXXX, I called Merchants XXXX XXXX XXXX , to let them know I owe nothing to them but the agent said came up with a {$520.00} amount again. I asked him something like : " Do you know more about the creditor 's finances than they do? '' and he said he did.
Then I asked him to explain me why should I say money to the agency if I owe nothing to the alleged creditor and he said something like Ok, sir, have a good day and hanged up.
I am extremely concerned Merchants Credit Guide Co. are systematically attempting to get consumers to send them money they do not owe.
From late XXXX to date they call my cellphone number everyday, sometimes twice a day. I never answer unknown numbers but I know it's them ; I XXXX those numbers.
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| 07/24/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I had an accident at work on XX/XX/XXXX and was ordered to go to XXXX ( at : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) by my former employer, XXXX, through workers comp. I have since been harassed by this third party creditor ( Merchants Credit Guide ), who has been falsely accusing me of this debt which falls under the responsibility of XXXX. I called XXXX and they even provided me with a claim number : XXXX and a dedicated line to XXXX XXXX XXXX XXXX for XXXX employees : XXXX XXXX XXXX XXXX XXXX. The XXXX representative confirmed that various charges can be handled under one claim. On XXXX and XX/XX/XXXX, I disputed the two charges that Merchants Credit Guide placed on my credit reports. Under my XXXX report, they only removed the one that was for {$230.00} and kept the one for {$1000.00}, even though they ( Merchants Credit Guide ) listed the same account creation date of XX/XX/XXXX for both. They also only removed the ( opposite ) charge of {$1000.00} on my XXXX report and kept both on my XXXX report, even though I disputed all ( 2 ) of the charges, via all three bureaus. There are so many inconsistencies. I dont know how they can confirm that I dont owe a certain amount to one bureau, and yet confirm that I do under another bureau. Lastly, the creditor needs to handle this issue with XXXX and not me because I do not owe this debt. The creditor has even gone so far, as to call my partners relative to discuss the debt ( this, in itself, is already in violation of the Fair Debt Collection Practices Act ).
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| 05/10/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX, I disputed the collection account placed on my credit report, by Merchants Credit Guide, with XXXX. The debt is for {$400.00} dollars in unpaid medical bills from XXXX XXXX XXXX. The account was placed on my report as a collection in XX/XX/XXXX. XXXX investigated the dispute by contacting the company seeking to collect the debt. On XX/XX/XXXX, XXXX updated my dispute finding that the debt of {$400.00} was verified as accurate by Merchant Credit Guide. Around the same time, early XX/XX/XXXX, I called Merchant Credit Guide to remove this collection from report. They have not done so.
This is my third or fourth attempt to have this account removed from my credit report. Through a dispute, approximately two years prior, Merchant Credit Guide removed three other collection accounts from credit report. Merchant Credit Guide was attempting to collect medical debt from XXXX XXXX XXXX as well.
My father died on XX/XX/XXXX, while in XXXX care at a facility likely attended to by XXXX XXXX XXXX. This is most likely his debt. He is junior and I am the third. They have likely imputed his debt to my credit report. I have never been seen by a physician at XXXX XXXX XXXX. For starters, I am XXXX years old and do not require the services of a physician with a specialty in XXXX. Furthermore, I live in XXXX XXXX, MO and my primary care physician is with XXXX XXXX XXXX. This is not my debt and I will not stand by while Merchants Credit Guide and XXXX do nothing to rectify this situation.
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| 06/21/2022 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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During Covid I was hospitalized for approximately three months starting on XX/XX/XXXX. XXXX. On initial hospitalization my insurance switched from my previous employer to state of Kentucky Medicaid. The initial start date of the Medicaid was incorrect which later caused some issues between my previous insurance and Medicaid as to who was going to cover the hospital expenses. This took over a year to correct with medicaid finally being backdated to reflect the correct start date of coverage. All medical companies that were affected, and still waiting for insurance to cover the bills, were notified to resubmit to Medicaid. Some companies grew impatient and submitted claims to debt collectors which in turn filed claims against my credit rating. Additionally, debt collector - Merchants Credit Guide - began harassing phone calls several times a day concerning a {$300.00} dollar debt to XXXX XXXX XXXX XXXX Kentucky which is part of the XXXX XXXX XXXX XXXX. It got to the point where I didnt answer the calls and turned off my voicemail. Both the XXXX XXXX and XXXX XXXX were made aware of my situation by both myself and the XXXX Kentucky Health Department, yet XXXX XXXX forwarded my dept to a collection agency. XXXX credit brings my XXXX credit rating to just below XXXX. Its frustrating and aggravating they can do this and I want them to remove the blemish affecting my credit rating and to stop the phone calls! It will likely take 3 to 4 weeks for Insurance to process the claim so knock it off!
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| 07/22/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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The co. is XXXX 's. The latest communication was a letter from Merchant 's Credit Card Co. dated XX/XX/XXXX, in which they included a copy of a XXXX 's invoice ( # XXXX ) for a hooded throw/cam in the amount of {$39.00}. After several months of finance charges and adjustments, the final balance they claim they are due is {$45.00}.
I phoned and spoke to a rep at MCG on XX/XX/XXXX. I explained that I received a XXXX delivery around that time which I hadn't ordered. I did not open the package and returned it to sender via XXXX. ( It felt as though there might be a pillow inside so I can only assume that this may have been the delivery that XXXX 's is referring to. ) The rep with whom I spoke told me he would let XXXX 's know that the merchandise was returned to sender. I have never shopped with XXXX 's and never heard of it until I started receiving bills from them. Actually the first invoice from them was in XX/XX/XXXX. I reported that to 'report.ftc.gov ' on XX/XX/XXXX and my claim was confirmed received # XXXX. My credit report on XX/XX/XXXX was much better than the prior 1 and I have again requested an updated credit report. Coincidentally, today I received an email regarding my XXXX XXXX XXXX XXXX credit card which stated that my line of credit has been reduced due to a recent credit delinquency. As you can see, I have had many issues with false reports about my credibility for a year now. Your expedient response and assistance are much appreciated. Thank you, XXXX XXXX
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| 10/28/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, I received a notification from XXXX that there was a negative mark on my credit report. I had no idea what it could be about. I took a look and saw that it was from Merchants Credit Guide. I called the number listed, and they informed me that I supposedly had medical debt from an appointment to XXXX XXXX XXXX XXXX. I had never received any notice from XXXX that I had any sort of bill owed to them. I am unaware if they sent a bill to my father or not. ( Note, I am a XXXX XXXX XXXX who lives at home with her parents, is still on her parents ' insurance, and has never paid her own medical bills- why would I think to look to pay any sort of medical bill ). Regardless, I, myself, had never received a bill or any sort of communication from XXXX XXXX After doing some digging, I found that I could dispute this claim on XXXX, XXXX, and XXXX. I filed disputes on all three websites on XX/XX/XXXX. XXXX deleted the debt from my credit report on XX/XX/XXXX. XXXX verified the account as mine on XX/XX/XXXX. XXXX certified that the account was mine on XX/XX/XXXX. I am incredibly frustrated because I am aware that the account is supposedly mine. What I am upset about is that neither XXXX nor XXXX investigated whether or not I had received a notice about this alleged debt to XXXX XXXX which has led to a negative effect on my credit report and score. These companies are heartless, thoughtless, and quite frankly terrible in regard to consumer services.
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| 11/23/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Account Name : MERCHANTS CR Original Creditor : XXXX XXXX XXXX Account Number : XXXX and XXXX Balance : {$480.00}, {$850.00} and {$580.00} This letter is a formal complaint against MERCHANTS CREDIT GUIDE, a collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies.
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts.
Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable.
Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
|
| 08/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/2019 Regarding false collection activity from - Merchant 's Credit Guide XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX I'm filing this complaint today, to bring to your attention, the actions of Merchant 's Credit Guide. This company is a XXXX-based collection agency that has placed TWO collection account actions on my XXXX and XXXX credit reportsts. As a result, my credit scores have dropped almost 80/50 points, respectively.
After further investigating these reports, specifically speaking to the company that Merchant 's Credit Guide claims I owe ( XXXX XXXX XXXX ) I've learned from from them there is NO RECORD IF ME/SERVICES RENDERED TO ME/BALANCE OWED BY ME on file.
XXXX XXXX XXXX Billing - XXXX, XXXX I've also spoken to the insurance company that paid all of the workman 's comp claim from last XXXX XXXX injury and they stated that they have - NEVER BEEN INVOICED BY XXXX XXXX XXXX and that every claim was paid in full.
This collection company is clearly COMMITTING FRAUD. Not only are they misrepresenting an organization in an effort to try and steal money from me, but they're refusing to correct this matter until a payment arrangement is made.
I'm asking that you take action against them immediately. I'm also interested in learning what recourse I may have, as a result of what happened to my credit score.
I can be reached XXXX XXXX. / XXXX XXXX. Central Time, Monday through Friday. XXXX
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| 10/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I was alerted by repeated harassing phone calls that I had a balance at XXXX for medical debt IN TOTAL OF {$560.00} for XXXX XXXX ( XXXX XXXX ) when I had already paid off any outstanding debt directly to XXXX XXXX. I contacted XXXX XXXX multiple times on the phone and even emailed receipts of my payment to them, they refuse to acknowledge my payment receipts instead repeatedly emailing me how I was charged. The Merchant collector does not acknowledge that these amounts were already paid either, even though I have receipts and the money was withdrawn from my accounts.
Here is one of my emails to XXXX XXXX I called the Merchant and they said I had {$560.00} owed to you, which I don't understand as seeing you have only billed me ( incorrectly ) for {$180.00} and in my payment history I have indeed already paid this exact amount in XX/XX/XXXX -- - this needs to be removed from my credit report as I only owe {$180.00} as of today and it seems your company has not updated the debt collector. In addition, it seems I have also been incorrectly charged for {$180.00} TWICE on XX/XX/XXXX. I have attached the paid bills receipt. The double charge is what apparently I " owe '' and I am out of medication due to an error on your end it appears. This needs to be resolved immediately. Furthermore, I have already paid a seperate fee for any no show appointments that was {$560.00} in total. ''
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| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/2022 I was alerted by XXXX, XXXX, and XXXX that Merchants Credits Guide put a {$270.00} Grid C collection on my credit report. This collection account is unknown to me. I've sent verification letters to Merchants Credit Guide asking them to verify with competent evidence that I have any legal obligation to pay them. I requested the following : What the money they say I owe is for, to explain and show me how they calculated what they say I owe, to provide me with copies of any papers that show I agreed to pay what they say I owe, to provide a verification or copy of any judgment if applicable, to identify the original creditor, to prove the Statute of Limitations has not expired on this account, to show me that they are licensed to collect in my state, and to provide me with their license numbers and Registered Agent or Agent of Service.
By law, they can not " certify '' to the bureaus that any of their information is correct until they provide me with the requested proof. I explained that during my dispute with XXXX, and XXXX dismissed by dispute and stated " the company has certified that this information is correct. '' Additionally, consumer law 15 U.S CODE 1861 ( b ) : PERMISSIBLE PURPOSE OF CONSUMER CREDIT is being violated by the company and by XXXX because they did not get my permission to report on my consumer credit. I demand that it be removed immediately.
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| 07/11/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, Merchants Credit Guide located in XXXX, Illinois, showed a collection for {$220.00} on my credit reports. Prior to the collection appearing on my credit reports I had no knowledge of the debt. Since, I have disputed this collection with XXXX ; XXXX XXXX ; and XXXX. All but XXXX removed the collection from my credit report. On XX/XX/XXXX, I spoke with three individuals at Merchants Credit Guide over the phone. I told them that I would pay the {$220.00} just as soon as they could provide documentation to support the validity of the debt. Every time I asked for documentation to support the debt or support their claim of attempting to contact me in the past, the individuals immediately became defensive and would transfer me to another individual. After speaking to the last individual who represented himself as a manager, I was told the best that could be done was another bill would be sent to my address. It is my opinion that a bill from Merchants Credit Guide does not support their attempt to collect a debt from me that I have no knowledge of. I told Merchants Credit Guide that I would not be paying the " debt, '' however, if they would like to mail me documentation from the debt that they claim to be collecting I would pay it. The manager told me that he was putting a cease and desist on the account and I would not be hearing from them again.
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| 04/20/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I check my credit online last week and saw 5 debt collectors. I have not been anywhere or have I used any credit because of being laid off. I'm not sure where this came from. However I was arrested in XXXX in XXXX XXXXnd my license was taken away and I had to go to court! There was a man name XXXX XXXX. He impersonated me. This was not known until I went to court and the lawyer showed past arrest photos of " XXXX XXXX XXXX '' and it was all him. I found out he has my DL number, SSN, everything.
Moving forward I do not even use credit cards and ONLY pay cash, so these accounts can not be mine. Whatever debt this is they need to view the picture of the ID to see if it is my face or that man XXXX XXXX.
The account that I saw on my credit were : XXXX XXXX XXXX Account Number XXXX Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX I attached my credit report showing the accounts that are not mine Even when I look on the credit report and look for information to contact the creditors both of these companies XXXX XXXX XXXX and XXXX XXXX XXXX information is not listed. These company did not send any mail to my address and I have been at the same address for over 30 years. I just don't understand why this happen.
Please hold them accountable for not verifying whoever used my information to get credit.
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| 02/22/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I noticed a medical bill last year that showed up on all 3 of my credit bureaus in the amount of {$320.00} first opened on XX/XX/2016 by Merchants Credit Guide. I have called several times attempting to resolve this debt because it is mine. However I was told by XXXX XXXX XXXX that the account was paid in full by my insurance XXXX XXXX. After several attempts by myself and XXXX and XXXX XXXX to resolve this issue we get No where. I have called several times myself and been on 3 way calls with the billing clerk at XXXX XXXX XXXX and Merchants to resolve the issue and Merchants Credit Guide, but they persistently say the bill was Never paid XXXX XXXX also attempted to fax them documents showing it was paid and they still refuse to remove the collection. Merchants Credit Guide customer service is very rude and demanding. I asked them to send me a form of validation and I never received it. This account is actually mine, but it's been paid by XXXX XXXX and Merchants Credit Guide still refuses to remove the collection. They have threatened to sue me in court contact the police and been harassing me with phone calls. I have prove it was paid and since they choose to not send me a form of validation I will not contact them anymore. I would really appreciate any insight or help resolving this issue. I have disputed it 3 times with No luck.
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| 02/01/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/2017 i had a bill go to collections due to not being able to pay it with XXXX XXXX XXXX XXXX Oh XXXX XXXX XXXX XXXX Oh. A year later i paid the bill and had a balance i did not know of since no one ever contacted me about it. I called XXXX XXXX to see if it was paid and they said i owed a balance of {$45.00}. So i paid it then and was told that it would be updated in XXXX account or removed from my credit report. The item was removed from XXXX XXXX and XXXX but not XXXX for some reason. For the last year and more i have called XXXX XXXX and Merchants Credit XXXX the reporting Company to have this updated or removed and each time they told me that i still owed it. I informed then that i have proof that i paid it from my checking account and i will send them a copy of it to show it was paid two years ago.
My girl friend even said its only {$70.00} and she would pay it. She paid it with her account and according to her bank the money was put back into her account. Yet they told her that it bounced which was not the case.
I then contacted XXXX XXXX who is a Attorney used by XXXX XXXX and myself to look into it. He sent them the copies of my checking tp show it was paid and they said it is not. and to this day it is still showing that i owe {$70.00} to XXXX XXXX when they themselves said i have a zero balance with them.
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| 08/12/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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As of XX/XX/2019 I learned that Merchant Credit Guide filed derogatory information against my credit report regarding a debt that they were attempting to collect. I never received communication about this agency trying to collect a debt. I did not receive a telephone call nor any mailing from this company. If I had properly been notified of Merchant Credit Guide attempting to collect a debt from me, I would have surely contacted them immediately. The original owner of this debt is a pain clinic known as XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX IL. I used my insurance to handle this procedure. They did not tell me my insurance wouldnt cover the procedure. I did not learn of this until two years after the procedure and I received a bill of charges that were grossly over what should have been expected for this type of treatment and I was charged for treatment I did not even receive. I tried multiple times to contact someone in the billing department to resolve any monies that would be owed, I NEVER received any communication from them regarding payment arrangements, in fact the telephone numbers for the office no longer worked and when I went to the office physically it looked as if they were no longer in business. I plan to contact the Attorney General regarding the fraudulent practices of this institute.
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| 10/09/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Merchant 's Credit Guide is reporting 2 medical debts on my credit report ; one for {$66.00} and one for {$230.00}, totaling {$290.00}. I mailed a letter to them on XX/XX/XXXX, requesting proper validation of these accounts including an accurate accounting of the exact amounts they 're saying I owe and proof of Merchant 's Credit Guide 's surety bond for the state of Texas.
I received a reply letter from Merchants ', dated XX/XX/XXXX with an amount of {$66.00}, confirming they received my validation request letter and that they will reply with documentation, if they obtain it.
On XX/XX/XXXX, I received a reply from Merchants ' ( postmarked XX/XX/XXXX ) stating that the enclosed documents are the verification documents that I requested. The enclosed documents included a print out with various amounts totaling {$530.00} and a letter from Merchants ' listing an amount of {$320.00}. None of the other documents I requested were included in this correspondence, including proof of a Texas surety bond required for debt collection in Texas.
My reasons for this complaint include : 1. What amount is Merchant 's Credit Guide saying that I owe them?
2. Where is the proper validation reflecting the correct amount?
2. Is Merchants ' Credit Guide allowed to collect debts in the state of Texas?
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| 11/05/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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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.
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| 11/12/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Merchants Credit Guide Company XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA, XXXX To : The Office of Registered Agent for Merchants Credit Guide Company From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
If you lack understanding of this paperwork, forward to your ATTORNEY.
By : XXXX XXXX XXXX
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| 10/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Original amount Hospital supplied to collections was for {$1200.00}, which was disputed for nearly a year with Hospital not providing documentation requested. Collections agency " Merchant '' began regular calls. A case was filed with the IL AG XX/XX/XXXX, and on XX/XX/XXXX the Hospital provided written notice that all charges/collections were dropped, with a {$0.00} balance. No further communications have occurred since resolving.
Following resolution of the balance, I have received calls again from Merchant on following dates ( all XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Each call rings once then is immediately directed to voice message, where Merchant informs they are collections and I need to call back.
On XX/XX/XXXX, I finally called back and spoke with an individual. They looked up my number, informed me 3 people were listed ( I only recognized my name ). When they looked into my name, I was told that the calls must be an error on their part and my account has been resolved. I was also told they would ensure removal of me from the calling.
As noted above, I received a call again XX/XX/XXXX which gives appearance nothing has changed in status.
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| 01/23/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XXXX/XXXX/XXXX, I went to a doctor through an appointment XXXX. The doctor told me he was going to put on XXXX only and I asked since it was basically a hard XXXX covering if I could do it myself if it was going to be costly. The doctor said not to worry about the cost, that the insurance company would pay for it. I confirmed this again with the doctor that I could n't afford a costly covering for my fingertip. I was told again by the doctor not to worry about the cost but to make my {$35.00} copay and insurance would handle the rest -- stating also not to pay for any difference that may be billed. I then received a bill from the doctor 's office for {$530.00} of which my insurance paid {$160.00} stating that I owed the remaining {$370.00}. I repeatedly called ( XXXX has documentation that I called numerous times in regards to the charge in an attempt to resolve. They claimed that the doctor would return my phone calls, which i never received a call hence the repeated calls by me ). After not receiving a call from the doctor, I concluded that this issue was resolved as there were no additional billings received until receiving a collection letter that was dated XXXX/XXXX/XXXX from Merchants Credit Guide Co.
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| 08/18/2015 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Merchants Credit Guide has not been able to accurately compute what they claim is owed. XXXX XXXX from that company claims it is my responsibility to compute the bill. They provided an XXXX totaling XXXX as validation of a debt, they claim I owe XXXX. They have XXXX information on insurance payments, credits or co-pays. How do I even know I owe them XXXX penny?? Bills must be precise, clear and explained. This validation does not meet any legal standard..or any normal standard.This company also terminated my phone call because they said I just did not want to pay. As for that, I think my calling them XXXX is an effort to resolve this issue. Bottom line, if you want to collect a debt, you MUST be able to clearly show any computations of that debt owed. They could not even explain how they reached this figure..they just refused! Please see the attached documents which clearly show the amount demanded and the so-called verification of that debt. Additionally, if the debt is mine or not is not relevant, it is the amounts billed which are inaccurate and unverifiable, therefore making this debt noncollectable at this time. Merchants Credit Guide must either verify proper computations or delete and close this file.
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| 03/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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I was last seen at this XXXX 's office in XX/XX/XXXX. I paid the receptionist for the first time with cash rather than a check. My appointment was covered, the fee I paid was {$50.00} for missing an appointment, even though I had called ahead as required. Not wanting to take time to dispute the accusation, I paid and was not given a receipt.
On XX/XX/XXXX, I received a late fee charge from XXXX XXXX 's office claiming I had not paid that final fee. I sent a letter back, after several unsuccessful attempts to call the office. I explained that I had paid in cash and given the full amount. I received no further communication and believed the matter resolved until collections opened an account on XX/XX/XXXX.
This matter has been very frustrating to deal with. The lack of availability to speak to anyone in the office is making the process much harder. Because of this fee I am accused of not paying, the doctor has refused to release my health records, which the XXXX XXXX XXXX has requested numerous times from the office. Without those records, I am unable to receive confirmation of a diagnosis I was given in the military and it is stalling any assistance from the VA.
Thank you for reviewing this matter.
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| 08/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I have received a number of collection on my credit report from Merchants Credit Guide. Each time in a different amount for the collection of XXXX XXXX. Each time I have disputed the collection and the amount. They would removed the collections only to come back with a different account number and collection amount. I also have contacted the XXXX XXXX in regards to the collections. XXXX have stated to me that they have no knowledge and or records of the amount ( bills ) owe to them. I am frustrated with the company adding collections to my account with different amounts and account numbers. I have not received documentation or any proof of this collection or collections ownership. Please have them to remove any and all collections from my ( 3 ) credit reports XXXX, XXXX AND, XXXX. And stop any actions of reporting. ACCORDING, TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a account.
Thank you XXXX XXXX
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| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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After reviewing my credit report, I sent dispute letters to the credit bureaus in XX/XX/2021 requesting that the accounts showing for Merchants Credit Guide Company be validated and if it could not be validated that it be removed from my credit report.
During their 30 day investigation time frame, I received two letters dated XX/XX/2021 from Merchants Credit Guide Company stating they were enclosing copies of the verification documents I requested and to contact them to make satisfactory arrangements. There were two additional documents appearing to be from XXXX XXXX XXXX XXXX which showed the DESCRIPTION as XXXX XXXX VISIT and appeared to be two bills.
All four documents had different account numbers on them so it does not appear that any document included supports another.
There were no contracts or signatures for the accused debts at all. A bill without a written signature does not validate the debts and anybody can send a bill and say its mines. According to the FCRA, Merchants Credit Guide Company has violated my rights as a consumer and I am requesting legal action to remove these accounts immediately.
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| 10/29/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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This is an invalid dispute, I was never contacted by mail regarding this dispute, and the dispute is classified as Attorney dispute NOT medical dispute. They have broken the law by not providing any information related to this dispute, other then a phone call 90 days after in which I told them this was in dispute, NOT valid, and provided evidence to the collections agency that this was an invalid bill.
I disputed the amount in entirety with the medical office, filed complains with State and Federal medical boards and this false claim was still sent to collections/ XXXX XXXX XXXX XXXX {$130.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$130.00} Original Creditor XXXX XXXX XXXX Past Due {$130.00} XXXX Status >Collection< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
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| 06/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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On XX/XX/23, Merchants Credit Guide illegally and aggressively reported {$1400.00} for the XXXX XXXX XXXX XXXX, Account # XXXX to all 3 credit bureaus without even notifying me of this debt. I have XXXX knowledge of this debt! They failed to provide me any correspondences or notifications. XXXX is my insurance provider. XXXX pays all of my medical bills and no medical bills or medical debt is reported to credit bureaus because they pay them! I am requesting that this debt is removed and deleted from all 3 credit bureaus and that this company is penalized for their actions.
On XX/XX/23, I disputed this collections with XXXX for removal, and today, XXXX, XXXX emailed me saying Merchants Credit Guide confirmed this debt and XXXX said there is nothing they can do ; to contact CFPB for support, which is why I am reaching out for assistance. Debt collectors just can't go around reporting unknown debt straight to credit bureaus without even properly notifying people for validation etc ... and failing to provide any notice or awareness. This is completely unethical!
Thank you.
|
| 08/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Attention Deputy Director : XXXX XXXX I have disputed this medical bills with both the collection agencies, both of the credit bureaus. Merchant Credit Guide is located at XXXX XXXX XXXX XXXX, XXXX Il XXXX, Creditor : XXXX XXXX XXXXXXXX dated XX/XX/XXXX in the amount of {$1300.00} at which time all these medical bills should have been paid by both of my health insurance, for all billing in this complaint that I have enclosed here. Now Merchant Credit Guide has this collection on my report with XXXX XXXX in the amount of {$1300.00} and XXXX has it on my report in the amount of {$890.00}, # 2. Merchant Credit Guide has another collection on my report for XXXX XXXX XXXX the amount of {$350.00} which also should have been paid as stated above. # 3. Now come XXXX XXXX XXXX that has a collection on my report in the amount of {$370.00} which also should have been paid as stated above.
XXXX XXXX XXXX health insurance through my employers that I had as well as Medicaid that I have and continue to have.
Complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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DISPUTE WITH MERCHANTS CREDIT GUIDE I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer.
This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties.
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in XX/XX/2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus.
XXXX XXXX
|
| 01/03/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Ok, first off I filed a dispute, and then I get another collections on my credit report. Well that is not appreciated and not very good business tactics. I Mean I have no idea who u are or what debt ur trying to get but im the wrong person.Everytime I have tried to get this off of my report it ends up right back on there WITH NO EXPLANATION! so there for if this is not off my credit I will get a lawyer IMMEDIATELY. I have a family to raise and all this covid 19 going on and now I have to deal with a greedy company trying to give me the SAME DEBT TWICE SO THEY ARE TRING TO CHARGE ME IM ASSUMING FOR THE SAME DEBT UNDER 2 DIFFERENT COMPANY NAMES " MERCHANTS CREDIT GUIDE '' AND " XXXX XXXX '' THAT ALONE IM CERTAIN HIGHLY ILLEGAL! AND ME NOT EVEN KNOWING WHO U ARE TO START WITH. NO ITS NOT GOING TO WORK LIKE THAT IM NOT THAT PERSON. SO THIS NEEDS TOOK CARE OF AS SOON AS POSSIBLE CAUSE IM NOT PAYING SOMETHING THAT IS NOT MINE UR TAKING FROM MY FAMILY WITH ALL THIS AND I DONT TAKE THAT LIGHTLY. SO THIS IS ME ASKING NICELY TO TAKE IT OFF MY CREDIT REPORT.
|
| 11/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Name is XXXX XXXX I reached out to the company called Merchants Credit Guide.I contacted them on XX/XX/ and requested them to send me a copy of the signed contract stating the debt I owe. On a recorded call they stated this is an attempt to collect a debt but could not furnish any information in regards to the debt. The amount in question is {$520.00} and this has been reporting on my credit report as of XXXX XXXX I have also disputed this item several times and it keeps coming back as account verified but no proof to show otherwise.
I did not sign a contract with this collection agency and I would like this debt removed from my credit report immediately.I have sent them a cease and desist letter to the address on file as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Attached you will find proof of my current address and identity verification to validate that this is me and not a third party.Also you will find a copy of my report from XXXX and XXXX showing this debt and i noticed the account numbers are different as well.
|
| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX MERCHANT CREDIT GUIDE : # * 0965 MERCHANT CREDIT GUIDE XXXX XXXX XXXX MERCHANT CREDIT GUIDE XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 07/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I received medical care from XXXX XXXX XX/XX/2018. I filled out an application for Financial Assistance/XXXX XXXX within a week of services rendered. I was Uninsured, unemployed, receiving XXXX, single parent of a baby and transient at the time due to leaving an unsafe situation. XXXX made no attempt to reasonably contact me ( not even a phone call to help before selling it off ) of their determination and sold the debt ; reporting adverse information. Now I have a medical bill reporting on my credit from Merchants Credit Guide Company ( MCG ) since 2018 in the amount of {$7400.00} on behalf of XXXX. I requested a verification of debt from MCG. They sent me a copy of a bill they have on file which shows the bill was paid as a charity adjustment with a negative balance. They are continuing to report a bill that is paid. XXXX informed me they had no proof of anything and Im financially responsible. MCG will not update and remove their inaccurate reporting. Neither company has been helpful and the reporting on this matter has been harmful.
|
| 08/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
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1. Public record- XX/XX/XXXX XXXXReference number XXXX : Account in question was never filed and the courts report no record of initial documents. Letters were sent on XX/XX/XXXX and XX/XX/XXXX requesting that all 3 bureaus please review their records, and verify the account number, and date associated with this item as it is negatively impacting my credit score and do not match my records. My request was to remove this account from my consumers credit file. My request was ignored and it has been 60 days which is a direct violation of the FCRA.
Additionally, the following 3 accounts are not mine ; the XXXX XXXX account was paid in full and should reflect this on my credit report. These accounts were reported as inaccurate on XX/XX/XXXX. Re-investigation was requested on XX/XX/XXXX and I have not received a response : 1. Merchants Credit Guide- Account # XXXX, XXXX {$820.00} 2. XXXX XXXX -Account number XXXX, XXXX $ XXXX creditor : XXXX XXXX.
3. XXXX-Amount $ XXXX creditors-Sprint- 4. XXXX XXXX-Acount should reflect PAID IN FULL.
|
| 12/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer.
This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties.
At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in 2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus.
XXXX XXXX
|
| 12/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
On XX/XX/2018, I received a letter from the credit bureau stating that a collection account from Merchants Credit Guide Co. was added to my credit report for {$78.00}. A collection that I didn't know anything about. I never received a bill, letter, warning etc.. from the collector 's office. I called the collection agency, verbal information was given to me. I requested a written copy of bill in dispute. On XX/XX/XXXX of 2018 I received such written information. I went through my records to find out this bill to XXXX XXXX XXXX was paid with check # XXXX on XX/XX/2018 for the amount of {$86.00}. ( XXXX + XXXX. ) I called XXXX talked to XXXX and she told me there was no record of me paying this bill and did not find a copy of the check in dispute. I am submitting evidence from my bank account that check was cashed on XXXX. They deposited this check electronically didn't cash it through the regular channels. This dispute destroyed my credit record falling down XXXX points according to the credit bureau.
|
| 11/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
For the past 2 weeks Ive received multiple hang up calls from a credit collection agency named merchant credit guide I never spoke with anyone regarding an account or bill untill I spoke with someone on Tuesday ( not regarding any account regarding the hang up calls ) after being hung up on and told them to stop calling me and hanging up as a consumer Im fully aware of my rights today XX/XX/XXXX I received a notification regarding my credit being hit with a derogatory mark and its from this company merchants credit guide I want this mark removed from my credit immediately as proper steps for notification and validation for this said debt has not been made prior to putting a derogatory mark on my credit IM the ALSO disputing the validity of the bill Im requesting a print out for whatever the said debt is if the mark isnt removed immediately I will be moving forward with litigation as this is a violation of my rights this debt is not mine Ive never even done business with this said company
|
| 11/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Merchants Credit Guide is NEGATIVELY REPORTING THAT I OWE A DEBT on my credit report that I knew nothing about I reached out to the company several times and have sent letters when I found out about the Debt and was never contacted back. Also the company is Inaccurately reporting the Debt on my credit Report, ( The date Last Active is Incorrect/inaccurate ) ( The date last Reported is incorrect/inaccurate ) ( The date opened is incorrect/inaccurate ) Therefore this Debt Should be Deleted immediately, it is negatively affecting My Mental Health my ability to build Credit and my ability to get credit I have been dealing with these for several years and now I'm ready to seek litigation. I would like this debt deleted immediately.
According to : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Thank You.
|
| 05/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I visited XXXX XXXX XXXX XXXX in XXXX, Tx on XX/XX/2015 and was charged {$770.00} for my visit.
My insurance at the time, XXXX, paid {$210.00} with a balance of {$550.00}.
XXXX paid the remaining balance of {$550.00} around XX/XX/2015.
XXXX XXXX XXXX XXXX turned an unpaid bill of {$550.00} to collections when the bill was actually paid in full.
I have been disputing that I do not owe any money to XXXX XXXX XXXX XXXX and do not understand why this was turned over to a collections company name : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX or ( XXXX ) XXXX.
I have called the collection company numerous times and they do not ever answer the phone.
I have also submitted multiple disputes with XXXX and the collections company says it is mine bill. I've explained it is my bill but it was Paid In Full and should not have been submitted.
I have screenshots from XXXX website EOB showing they made two payments to your company and paid the bill in full as stated above.
|
| 12/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Amount XXXX I Want This Account Removed Off All 2 Beru XXXX And XXXX I XXXX XXXX wrote this letter to you guys because this account is violating the TRUTH IN LENDING ACT they under report my my apr and also my late fees. ( FCRA ) The fair credit reporting act states that any inaccurate information credit report to be deleted this is causing me not able to move on with my life. This should be removed reported balances wrong infortmation my address in not XXXX XXXX XXXX and my name is XXXX XXXX not XXXX XXXX XXXX ll.
XXXX XXXX XXXXXXXX violated my rights as well I would like them removed original XXXX XXXX XXXX bank they call me harassing me at all kinds of times at night.
MERCHANT CREDIT GUIDE XXXX $ Violates the hippa law medical debt can't be sold be to 3rd party ALSO ( FCRA ) INQURIES FROM XXXX XXXX XXXX XXXX XX/XX/XXXX WERE NOT ME FCRA STATES INFORMATION THATS NOT RIGHT TO BE REMOVED
|
| 06/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
MERCHANTS CREDI/ XXXX # # # # # # XXXX CHARGE OFF is illegally accusing me of owing them {$1000.00} this account/debt was written off/canceled by the original party and sold to Merchants credit guide for a profit. I never had an agreement with Merchants credit guide. I also never recieved a 1099c form after the account was canceled by the original parties. By law, any debt canceled by the party is now considered INCOME. After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. I NEVER RECEIVED THE 1099C EVEN THOUGH THE ORIGINAL CREDITOR HAS FILED TAXES ON THIS ACCOUNT AS A LOST AND COLLECTED COMPENSATION FROM MERCHANT CREDIT GUIDE TO RELEASE THE ACCOUNT. THAT IS ILLEGAL AND I WILL FILE CHARGES IF THIS ACCOUNT IS NOT REMOVED FROM MY CONSUMER REPORT. INCOME IS NOT APART OF A CONSUMER REPORT. I HAVE THE RIGHT TO CLAIM THIS ACCOUNT AS INCOME.
|
| 11/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Merchants Credit Guide - Opened XX/XX/2018 XXXX XXXX XXXX {$580.00} I recently received a call from this debt collector. They asked me if I'd like to make a payment on this. I told her i havent ever been to an XXXX Hospital to the best of my knowledge and she laughed and said " okay '' and hung up. 1st.. this was inappropriate. 2ns she didnt even give me a chance to ask any question about the charges. Im positive this isnt for me. It just recently hit my credit and i havent been to a hospital in i dont even know how long. I would like proof of this charge and to have someone explain whats going on. Or how they allowed someone else to use my identification to get medical treatment. I feel like i could have got the information i needed from the debt collector to try and help clear this up but like i said.. they laughed and hung up instead of trying to explain what the charges were for and where they came from. Please remove this from my credit ASAP.
|
| 01/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MERCHANTS CREDIT GUIDE has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my XXXX private information including medical record number and date of a major surgery. This is a major HIPPA violation because I have never done business with MERCHANTS CREDIT GUIDE yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
A company by the name of Merchant 's Credit Guide reported a delinquency in the amount of {$220.00} to my credit report. I've never had a working relationship with this company 's creditor and I've never used their services. I have attempted to dispute this erroneous information directly with the credit reporting agency as well as XXXX XXXX in XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Please aid in the removal of this erroneous information or I will be forced to proceed in the court of law.
|
| 09/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Back in XXXX I received a collection notice from Merchants Credit Guide Company. In XXXX or XXXX ... I ended up paying the bill online in full on their website.
XXXX comes and I have an entry on my credit report from Merchants Credit Guide Company stating I owed them XXXX dollars.
The amount that they gave me to pay was wrong. If I were told I owed that ... I would have paid it when i paid it online.
Now I have a collections account on my credit report that I have no idea I owed.
Never received a phone call or a letter after I initially paid.
It's not like I knew I owed this extra amount or I would have paid. Was it a website error?
I am a former employee ... was it done this way on purpose? There are alot of questions and no answers ... .I paid the Bill!
I know that some people write things like this in order to get out of debt owed! I know I was on the other side of this. But I paid it! I paid the amount in full online.
|
| 04/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Merchant credit Guide located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. Phone XXXX is reporting a charge off on my credit report at XXXX Reporting agency in the amount of XXXX. The Original Creditor is XXXX XXXX XXXX. I filed 2 disputes with XXXX requesting the discharge be removed from my credit report as the bill was paid in full directly to XXXX XXXX XXXX, the Original Credit in the amount of XXXX. This information was disputed twice, dispute no. XXXX and dispute no XXXX with XXXX in which Merchant Credit Guide said the account was not paid XXXX and would not delete from my credit report. As a result, my closing date on my new home was postponed due to this outstanding XXXX listed on my credit report. I also contacted Merchant Credit directly reporting that I dont owe XXXX XXXX. Merchant credit guide is a third party collection company and could have called XXXX XXXX to confirm the account information which they did not.
|
| 03/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hi I am Im making this complaint against MERCHANTS CREDIT GUIDE for identity theft. I have never given MERCHANT CREDIT GUIDE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MERCHANTS CREDIT GUIDE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MERCHANTS CREDIT GUIDE continues its collection efforts, I will file for litigation for actual damages caused and MERCHANTS CREDIT GUIDE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
|
| 10/14/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received XXXX services at a hospital in XX/XX/XXXX. Around XX/XX/XXXX, I discovered a collection account on my credit report from XXXX. I immediately contacted them, and we uncovered that the bill for services had been incorrectly sent to the hospital 's address, rather than my own. They reissued the bill for {$51.00} correctly and stated that the account would be withdrawn from collections and my credit report fixed. I then promptly paid the bill. Over the next several months through XX/XX/XXXX I repeatedly inquired from both creditor and collection agency why the collection account has not been closed and why my credit report had not been collected. Both parties assured me it was being would be taken care of, but over the course of six months it remained open and the untrue damaging information remained on my credit report. As I write this on XX/XX/XXXX, the open collections account is still on my credit report.
|
| 07/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently applied for a home loan and I was denied because there were several medical collection debts on my credit reports. Based on the information on the credit reports provided to me I sent Merchants Credit Guide Company a validation letter on XX/XX/2021. The company failed to validate my debt instead they sent me a list of my medical records which I know is a direct violation of my HIPAA rights and regulations. I have never signed a HIPPA form authorizing Merchants Credit Guide to have access to my medical records. In addition, I was never offered the opportunity nor did I receive any letters, emails or telephone calls to dispute the debt before it was reported to the credit bureau. Please delete this information from my credit reports and cease all collection activities immediately. I truly appreciate any assistance you can offer me to stop this agency from continuing to violate my rights.
|
| 02/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2020 I wrote a certified with returned receipt letter to Merchants Credit Guide in reference to a bill for the amount of {$1300.00}. As the Fair Debt Collection Practices Act ( FDCPA ) they are not allowed to report this to the credit bureaus until I verified this account.
My credit report is showing an unverified and invalidated information for the amount of {$1300.00}. As under the Fair Debt Collection Practices Act ( FDCPA ) and the Health Insurance Portability and Accountability Act ( HIPAA ) they are in violation of the act.
I never received a letter of verification with my signature on it from Merchant Credit Guide to pay them. In addition I requested them to provide me with patient 's authorization signed by me from XXXX XXXX XXXX. Instead they sent me a an itemized bill/charges with all the XXXX information included. Attached you will find what it was sent to me in error.
|
| 11/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Greetings to all at the CPFB. Thank you for your service It has come to my attention that a private company called Merchants Credit Guide is committing many crimes against my estate and my name.
My question to the CFPB is, how can a 'private ' for profit company be allowed to obtain my personal information without my knowledge, written consent, or a court order? Does the CFPB allow companies to do as they please? I have requested that XXXX XXXX XXXX provide to me a proof of authority that allows them to Purchase and collect the information of XXXX XXXX without a license at CALIFORNIA where I live, my written consent, or court order. This is clearly identify theft by corporate bullies. I am unable to obtain goods for my household. This has to stop. I am asking that the CFPB regulates the false and deceptive business practices of the Merchants Credit Guide This is devastating to my family
|
| 01/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with XXXX XXXX COLLEGE but can not produce a trust or contract. They are a third party debt collector. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).
|
| 04/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
In XXXX, I was admitted to XXXX XXXX XXXX XXXX for XXXX XXXX, I am a Veteran and was covered by XXXX, XXXX XXXX XXXX. There were two ( 2 ) claims that were improperly filed by XXXX XXXX XXXX : XXXX, {$1100.00} and {$1200.00} respectively, which they subsequently filed with Merchant Credit Guide Co., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had two conference calls with their manager, XXXX XXXX XXXX and included a representative from XXXX. In each instance, the representative from XXXX explained to XXXX XXXX that I was covered for the services under their policy, but that the vendor had improperly filed their claim and that if the vendor would properly resubmit their claim, it would be satisfied. XXXX XXXX said that he would follow up with the vendor and in the meantime place the dispute on hold, however subsequently my credit score on XXXX dropped by XXXX points to XXXX.
|
| 05/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted the agency to try and resolve the matter. They offered a settlement in which I accepted and paid the same day. My direct question to XXXX XXXX was does this include all debts me and my husband has with your company. His reply was yes and that all accounts would be removed from my credit report. Had the manager send a later that only listed my husbands name but the made it clear that this covered all the accounts we had with their company. Now, 20 days later finding out that two accounts were excluded, and they claim I still owe. My issue with this matter is I called them to resolve this matter and made it clear that I wanted all accounts removed from my credit report. This was very deceptive now they want to be condescending and rude. I then spoke with a supervisor who was extremely rude, and she explained that the bill is for my son. XXXX XXXX was her name.
|
| 10/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had medical procedure done at the XXXX XXXX XXXX XXXX which is In XXXX XXXX covered 100 % by my medical insurance.
Before procedure I have obtained, as required, referral from my medical group and follow all required by my insurance instructions. My insurance coverage is 100 % with no co-payment.
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX did not follow procedure and claim was never submitted to my medical group. My medical group has no record of this claim.
I informed both, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the collection agency ( Merchants Credit Guide Co. ) to submit properly the claim to my medical group or send me the denial note so I can follow up with them.
For any unpaid bills, they should contact my XXXX XXXX directly. I already sent multiple times front and back of my insurance card ( XXXXXXXX XXXX XXXX XXXX tel # XXXX ).
|
| 04/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I files a complaint with you all ( CFPB ) on XX/XX/2018 against Merchants Credit Guide account # is XXXX about a bill they have in there office for {$120.00}. I got a response from you all ( CFPB ). I did not want to fight the debt anymore and called Merchants Credit Guide this morning asking to pay the bill and XXXX XXXX or XXXX XXXX and his email is XXXX told me because I had filed a complaint with you all ( CFPB ) THAT I COULD NOT PAY THE BILL. SO I'M HOPE AND PRAYING NOW YOU ALL CAN HELP ME!!! CAN Y'ALL PULL THAT COMPANY TAPES AND LISTEN TO THEM BECAUSE THE SAID ALL CALLS ARE BEING RECORDED. AND YOU WILL SEE THAT THEY DO LIE. Like that lied in the RESPONSE they gave y'all with my first complaint that I made with y'all about them. My first complaint number with y'all on them is XXXX. I'm just trying to pay the bill and get this matter done and over with.
|
| 09/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called and the information provided was that I was being charged for {$110.00} as a " Charity Write Off '' for a medical procedure from XXXX years ago. I was also told this was due to no insurance and I was fully insured during this period. The total bill was for {$500.00}. What medical bill is for {$500.00} and why would I only owe {$110.00} if I didn't have insurance?
This is negatively impacting my credit and isn't fair. I pay my bills and the collection agency makes you feel like you need a shower after dealing with them. I shouldn't have to pay this extortion, but for {$110.00} to make it go away is tempting. Please let me know if you can help.
I did not take the time to pull all of my old insurance info and medical history, but I am sure I can provide documents if necessary to prove that I had insurance and paid my copay at all visits.
|
| 07/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/19 I sent a letter by certified mail to request debt validation from Merchants ' Credit Guide regarding an account on my report which does not belong to me of {$470.00}. MCG confirmed receipt of request and advised if not able to furnish documents the account will be removed. I've disputed the account with all 3 CRA several times within a year due to reaching out to the provided original creditor XXXX XXXX XXXX XXXX ; they do not have an account that belongs to me. Between XX/XX/19 - XX/XX/19 the account was removed from both XXXX and XXXX reports. XXXX continues to report the inaccurate information. I last disputed the account with XXXX on XX/XX/19 and received notice on XX/XX/19 that the account was verified. XXXX will not provide information of validity and I have not received documents for validation from Merchants ' Credit Guide.
|
| 02/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I visited the XXXX XXXX XXXX on XX/XX/XXXX. The cost was {$220.00} which was paid by my insurance on XX/XX/XXXX. On XX/XX/XXXX this amount was moved to collections at Merchants Credit Guide. I had no idea any of this had even happened until XX/XX/XXXX when I applied for a credit card and was told I had something in collections. I called my insurance which said that they should've paid it and I never should have been billed in the first place. I called the XXXX XXXX XXXX and they said they had mailed me the bill over and over, but they had been sending it to the wrong address. After the due date was passed it was sent to collections.
I logged into my insurance account online to see if I could find the original date of the doctor 's appointment that had started all of this. I saw that they had paid the bill just one month after my appointment.
|
| 05/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
While Reviewing my credit report I found a collection I have disputed already from MERCHANTS CREDIT GUIDE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX for {$570.00} - I called the number gave my information and was immediately sent to a " Supervisor '' who told me my balance was over {$1000.00}. As I asked question about this collection the individual became increasingly agitated and continued to talk over me.
Timeline- 2020, visited Doctor XX/XX/2020 settled all accounts at that time.
- Received Collection notice - - Called Doctor to see what had happened and was told no debt owed. Asked to check if there was a collection- Told no - Contacted collection company and got nowhere in requesting documents of the debt - Received nothing - Contacted collection company told would send documents NOTHING SENT
|
| 03/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I pulled my credit report at the beginning of the new year XX/XX/XXXX. I was not aware of this new company, Merchants Credit Guide now collecting on a debt for XXXX XXXX XXXX XXXX. I never received any type of written or telecommunications from the company. I disputed the information shown on my credit report back in XX/XX/XXXX. The company Merchants Credit Guide failed to send any type of verification of the debt. I called the company today, XX/XX/XXXX, to figure out what I could do to get this false information off my credit. The manager, XXXX XXXX, raised his voice saying I needed to find my original contract because there are laws on contracts and then hung up on me. I felt very threatened and disrespected. I have no idea who this company is, but they are aware of my dispute, but they never felt the need to contact me.
|
| 10/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had been trying to dispute my debt with MERCHANTS CREDIT GUIDE on behave of ILLINOIS EMERGENCY MEDICAL S. I provided them with my insurance information since I legally had insurance at the time of this emergency visit. I explained I provided this information as well upon this emergency room visit. I should not be reponsible for someones mistake. I legally had insurance at that time and it has been provided many times as well as I have been trying to dispute this for past year without getting and positive results. There is never a formal explanation to me on what has happened as well. I cant be obligated to have my credit ruined as well as being forced to paid for something that I shouldnt be since I had insurance at that time. Never did i recive any bill stating that I am responsible for any amount due in this dospute.
|
| 08/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I submitted this complaint before but it was the wrong company. Several months ago a woman named XXXX XXXX contacted me about an account that was with closed, or paid off, in fact I never received any paperwork, I paid XXXX a month, then my account was hacked and I become ill. She began calling again. XX/XX/XXXX my father XXXX and a short time later she called again. this time she said I owe XXXX dollars, adding to it instead of subtracting the money I paid. Then she said it was to bad about my dad, but last time you said your account was hacked, she was really rude and intimidating. I hung up and started to cry. She did not believe me that was obvious. I sent the company a copy of my father 's XXXX XXXX to prove I was not lying. I do n't even know what this money is for. And this XXXX XXXX is rude and intimidating.
|
| 07/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Merchants Credit Guide Company is representing themselves as a debt collection company but is not disclosing information regarding this information and is using gorilla and scare tactics to collect debt that is not in collections and to acquire information on a consumer. I pulled my three credit reports and there is no collections and no new initiated lines of credit. They have called up to 6 times a day and left robot voice messages representing themselves as a debt collector. The phone number XXXX and they attempt to collect personal information without disclosing information regarding the reason of the communication or providing written communication regarding balances or the collecting agency. This is an attempt to transfer the crediting companies debt to allow them to collect interest on other parties credit.
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| 03/29/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom it May Concern, I disputed a medical collection via XXXX on XX/XX/XXXX report number # XXXX Merchants Credit Guide C account # XXXX for {$430.00} as not mine and it recently came back verified as of XX/XX/XXXX with new XXXX report # XXXX. The problem I have with this company is that I called them directly to speak to a representative to verify the nature of this debt. I also called and spoke with the actual medical establishment and both companies stated this debt is do to a medical visit for a person name XXXX XXXX. My name is XXXX XXXX also the medical establishment XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX stated the service was in Illinois I live in Michigan. This is not me or mine. I want to know how this was verified accurate when this account doesn't belong to me?
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| 11/22/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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My ex-boyfriend called XXXX XXXX to schedule appointments for my children whom I am the primary custodial parent. He never took the children to the appointments because they live with me. I did not know the appointments were scheduled and as a result i was charged no show fees of {$50.00} each. I never authorized XXXX XXXX to see my children or make appointments without my consent. Additionally I was charged {$50.00} I believe for medical records that were never faxed to the other medical provider nor do I wish to have the medical records sent again. As a result of all of the medical malpractice problems I have decided to not send my kids to XXXX XXXX anymore.
Currently I am being billed for {$250.00} from XXXX XXXX and this is negatively reporting on my credit report.
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| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have a both a fraudulant collection and inquiries on my XXXX. I have tried going direct to bureau and companies to have this removed. They have already been removed on my experian for the same reason and I have the right to an accurate credit profile according to the FCRA.
Collection account - Merchants Credit Guide ( {$570.00} ) Fraud Inquiries - XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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| 09/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Noticed incorrect information on my credit report from Merchants Credit Guide. Tried disputing with all 3 credit agencies but information still hasnt been removed. I spoke with Merchant Credit Guide regarding all 5 accounts and provided documentation from my insurance company showing accounts paid in full prior to going into collections. Creditor verified payments received and information will be deleted from my credit reports. Accounts will be removed and reappear after some time, I also spoke with the original provider who stated they have no information on file for me with me having an outstanding balance. Whenever I try to upload my documents when disputing the information isnt being reviewed properly. I want the accounts removed from XXXX, XXXX and XXXX.
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| 11/06/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American, Servicemember |
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While attempting to refinance my V.A. Mortgage loan, I learned that I had collection against me for the amount of {$93.00} Dlrs. and that " XXXX XXXX ' was handling said collection, once I contacted said agency over the phone, I was told that the money owed was from a medical XXXX performed on XX/XX/2016. Further the statements where sent to an address that I had approximately 15 yrs. ago.
I agreed to make the payment if Merchants would erase such claim from my credit report as if it was never on my credit report and to fax the financial co. a letter head receipt showing payment. Approximately three days later I contacted Merchants and spoke with Mr. XXXX who assured me that a letter head receipt was going to be faxed.
It has been nine working days.
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| 11/10/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was sent to Merchants collection agency for a surgeon bill. I did not know I was sent to Merchants until I reached out to the surgeons billing department to ask them why I hadnt received a bill in some time. I was making payments to the surgeon, just not the amount they wanted. They notified me that I had been sent to Merchants. I continuously receive calls from Merchants and they do not state who they are or what they are calling for. I have not received any mail to validate that they are trying to collect a debt or what they are trying to collect, just phone calls with little to no information. I dont feel comfortably discussing anything with them over the phone until I receive some form of verification in the mail. Thank you for your help!
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| 05/07/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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The company in question is Merchants Credit Guide. I had multiple accounts from them being reported on my credit report. I used my XXXX lawyers to submit debt validation letters in XXXX and have yet to receive any validation. All but one account were removed. Ive attempted calling them and the hospital to receive validation and still have yet to. Their manager, Ms. XXXX XXXX, has been very rude and insulted my service in the XXXX and told me Im wrong and should just pay my debts so I wouldnt have to deal with them. Incredibly difficult to work with. This specific account is from XX/XX/XXXX and the debt collectors received it in XXXX. This is affecting my job in the military as I have to XXXX XXXX due to this appearing on my credit report.
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| 12/01/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX XXXX XX/XX/2019, {$620.00} XXXX, reported to all XXXX credit agencys without giving me any information of debt, no letters, no calls, no email I wasn't aware until I check my credit reports.Merchants Credit Guide : XXXX XXXX acct : XXXX {$780.00}, XXXX {$680.00} and XXXX {$930.00}, also did the same violation of XXXX and XXXX, illegal or unethical communication tactics, Disclosure verification of debt, exessive attempts to collect without giving consent or any opportunity to dispute collections also it was reported to you that hospital was neglacting treatment as treatment never happened as I walked out of the hospital after keeping me hours in agony and pain causing me to go to another hospital I have witness to such neglect
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| 02/13/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I stopped into the XXXX XXXX XXXX XXXX in 2019 to make sure I did not have any unpaid account. I spent an hour discussing with the receptionist there while she checked on my account. I was advised that I owed nothing and it had all been paid.
I gave her my name, social, address and all other information for her to verify my account. After her response, I asked her to recheck and she verified this. I now get a notice that I owe {$170.00} to this company through a separate bill collector called merchants credit guide.
I am very tired of trying to fix things that should have been fixed by the original company. It is not what you want to do when you have XXXX. It is continued harassment for doing the right thing : paying my bill!
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| 01/08/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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With regards to account # XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.
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| 06/09/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of the data breach from XXXX, My job XXXX, and XXXX.
Merchants Credit Guide company has reported a collection account on my credit and it is not valid. On XX/XX/XXXX I send them a letter asking for proof of this debit. ( see letter ) I also send a copy to all credit bureaus on XX/XX/XXXX XXXX ( collection company ) send me a letter with no signature, no picture ID, and nothing confirming that this was my debit and XXXX is also reporting this as a late payment?? after this account was so-called closed. ( violation ). On XX/XX/XXXX I sent them a letter Advising them that they are in violation of the FCRA and FDCPA, Fair debt collections practices. They all keep saying that this was verified and it's not.
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| 03/04/2016 |
Yes |
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- Communication tactics
- Frequent or repeated calls
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Web |
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I 've been receiving calls daily from merchants credit guide for some medical bills. Last month we paid off a few of the debts, and I had asked if that was all of them, they had said yes. Today I received a call from them that I missed. I called them back to see what it was about. The lady on the phone was immediately very rude and not very nice. She had extrmeme attitude and began yelling on the phone at me. I asked for her name and all she would give me was a first name. All I wanted was information about my debt and all i got was anger and frustration. I spoke to her supervisor, who acknowledged her behavior and apologized, but I wanted to make a formal complaint against them, because it probably happens daily.
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| 07/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Merchant credit guide ( original creditor : XXXX XXXX ) is not reporting the correct payment history nor the original balance. This discrepancy is tarnishing my payment history along with account balances. There should be no balance remanding on this account due to my insurance paying for my treatment and my co pay with my insurance provider. I don't owe XXXX a separate balance. I walked in for a stomach ache and was discharged the next day with no post visit medications. Attached is evidence of the true total account balance and payment details. Merchant is not reporting any payment history on this account and its illegally damaging my consumer report. Please remove this account for the incorrect discrepancies.
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| 11/12/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I have recently been made aware on XX/XX/2021 that MERCHANTS CREDIT GUIDE CO. has purchased my personal and financial location information resulting in the theft of my identity, and are accusing me of owing an alleged debt that has been paid. This debt is also being inaccurately reported to multiple credit reporting agencies without my permissible purpose and is hurting my financial and personal reputation. They have also harassed and threatened me with multiple inconvenient forms of communication such as phone calls and letters stating that they are attempting to collect a debt. This false accusation of alleged debt owed is inaccurate and is defamation of my character, discouraging, and I do not agree with it.
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| 10/27/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
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| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Merchants Credit Guide was asked to verify a medical collection listed on my credit report. I was expecting a bill to be mailed to me or confirmation to come directly from the hospital they had listed XXXX XXXX. Instead Merchants Credit Guide sent me a medical bill showing personal health information as well as a copy of my insurance card. I feel so violated that a debt collector can get my PHI without my consent considering my own kids wouldnt be able to without my consent. According to 15 U.S. Code 1681a ( i ) ( 2 ) - Medical information about the consumer can not be furnished. Is this company above the law or are my consumer rights revoked? 15 USC 1681 section 602 states I have a right to privacy.
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| 10/04/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Merchant Credit Guide has violated my rights according to 15 U.S.C 1692g-validation of debt. I sent my dispute letter requesting debt validation for account # XXXX I sent my dispute letter thru USPS certified mail. I did not receive any return mail within 5 business days to let me know they received my request for debt validation and are investigating the matter or any documents to verify the debt. which is a clear violation according to 15 U.S.C 1692g ( a ) notice of debt contents and is grounds for removal. Also, on my credit report the balances appear to be changing periodically and due to the non-response, I do not know. To my knowledge the account is inaccurate and has not been Validated
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| 09/11/2015 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I called Merchants Credit XXXX 3 times to request copies of the original bills, because the original creditor has no record of an outstanding balance. After the first call they noted on my credit report consumer disputes which i was not, all i wanted was copies of the bills to be faxed or e-mailed which they refused so they said they were mailing the original bills to date since XXXX i have not received the original bills in the mail. I then sent a debt validation letter via certified mail on XXXX XXXX, 2015 the company signed for the XXXX letters on XXXX XXXX, 2015. The company has not ceased reporting to the credit bureaus nor have they sent the bills that i have requested numerous times.
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| 12/18/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Merchants credit guide company sent me mail stating I have debt from XXXX XXXX immediate care. Debt of {$400.00} is owed which is false. I have emails and text proof from the hospital stating I only owe {$250.00}. Im confused as to how I have been getting one notification a month from them stating the same amount is due. Yet somehow all of a sudden your company is claiming I owe {$400.00}. I can not afford to pay right now I have quit my job from being harassed by my boss and will pay when I am able and have a new job. I do not appreciate constantly receiving phone calls from multiple different numbers ( maybe 4/5 ) per day, as well as mail. Stop trying to scam me for more money. Thanks
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| 03/11/2023 |
Yes |
- Debt collection
- Medical debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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I sent " MERCHANTS CREDIT GUIDE '' collection company a Debt Validation letter under section 809 under the FCRA. They responded by sending me my personal medical information from three different alleged bills. This information included my personal medical information which makes this is a HIPPA violation, and I intended to sue for every dime if these 3 accounts aren't removed from my credit report ASAP! I have well documented all of my correspondence ; the letter I've sent to Merchants Credit Guide Co, received response from Merchants Credit Guide Co, I have everything to prove in court without a reasonable doubt proving that my rights have under the FCRA have been violated.
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| 04/13/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
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| 09/02/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hi, my name is XXXX XXXX. For my spring semester of XXXX, I didnt pay {$430.00} of my tuition and it went to collections. The collection agency never called or sent a letter. I found out by checking my credit reports. On XX/XX/XXXX, I paid {$430.00} in full to the actual school, which is XXXX XXXX XXXX XXXX. I couldnt pay via the debt collector because there was never a letter sent with a case number. I tried disputing it via XXXX and they denied it. Keeps saying that I still owe to this day {$430.00} thats been paid to the school already. It keeps affecting my score since they keep updating that my payment is late. The company is called Merchants Credit Guide
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| 10/26/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I have sent all baseline identifiers ( i.e. state issued id, social security card, utility bill, and a formal written request, to have this company ( merchants credit guide account # XXXX ), remove this fraudulent account from my credit profile, as this account does not belong to me, and can not be verified. I have never had an account, with this creditor, or the original debt collector. I have spoken to a representative from merchants credit guide and no change has occurred. The person that I spoke with is ; XXXX XXXX, and he can be reached at ( XXXX ) XXXX ext XXXX. The amount that this creditor is attempting to collect is {$550.00}.
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| 01/20/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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There is over {$3000.00} in debt that the company says I owe. Ive called several times to get debt verification and also an itemized list of dates of service with billed amounts. This company has failed to send me anything. Ive made several payments but there are dates Ive been billed for when I had insurance. I was advised by the company to reach out to my insurance to file a claim but I can not file a claim without the exact date of service and billed amount. This has hindered me for years and I just want to provide the necessary information they need to delete these bills. If Im not making a payment, theyre not very helpful at all.
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| 01/23/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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They called XXXX XXXX central time harassing me multiple times and threatening me, I sent a debt validation letter 2 times on XX/XX/21 and XX/XX/21 each time this company [ MERCHANTS CREDIT GUIDE ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
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| 11/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
Servicemember |
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I sent Merchants Credit a debt validation letter and they have yet to respond. Needless to say this is an invalid debt and does not below to me. I will seek legal ground if I have to because not only have they violated the FCDPA by not notifying me and giving me 30 days to respond to this debt initially. l.
I sent Merchants Credit a debt validation letter XXXX XXXX, 2016 and it was delivered and signed for. See attached.
And I did not receive a response with the items that I asked for. This is also the XXXX violation of the FDCPA and FCRA.
The fact that it is still reporting on my credit report is another FDCPA violation.
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| 09/21/2016 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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I was injured at work I have a XXXX Representative my case number is XXXX My case worker is XXXX XXXX the claims department number XXXX. I contacted this collection agency to let them know that I provided all my insurance at the time of services they refuse to take it I 'm insured by XXXX XXXX XXXX XXXX. I 'm constantly getting these harassing letters and no proof of the debt. I contacted them and they sent me a letter stating that if I do n't get the proof in 30 days from XX/XX/2016 Everything will cease and be removed it 's XX/XX/2016 no correspondence yet and this still remains on my credit bureaus XXXX of my credit bureaus
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| 04/09/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX have sent in disputes several times, to this company stating that I have been victim of identity theft, along with that I sent a ftc report to this company and, they have yet to remove this collections from credit report despite me sending in proper documentation That have yet to remove this from my credit report Dates I have send documentation disputing this XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 The name debt collections is Merchants credit guide Amount of the collection is {$460.00} Collections agency address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/29/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Merchant Credit Guide is reporting {$62.00} unpaid balance on my credit report. After speaking with an account representative over the phone, he told me I had to send him a proof of affidavit and police report. I asked him to validate the debt or remove it from my credit report. By reporting inaccurate information to my credit they are in violation of Fair Credit Reporting Act. The agent over the phone refused to give me any information as to how I should dispute the inaccurate information. I want them to remove this negative tradeline from my credit ASAP and close account until they provide validation that it belongs to me.
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| 06/06/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2018 I wrote a letter to Merchants Credit Guide to verify the account. They are reporting to all credit bureaus ( XXXX, XXXX & XXXX ) what is not verified and based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) it needs to be verified.
On XX/XX/2018, I wrote a second letter to validate my request and provide me a copy of all original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA they are required to delete all unverified information. After two certified and mail returned receipt letters they still are not complying with my request.
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| 07/08/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
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| 01/29/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have had issues with alternate addresses being used to open up accounts in my name .. I have since noticed several accounts that were opened that I do not recognize and are not mine.. the credit bureaus have corrected most of these accounts and have determined I have been a victim of identity theft .... I am still having problems with some accounts though this company has been utilizing collection activity to collect on this account after being notified that this account was a result of identity theft I have sent a previous information regarding this issue account number XXXX amount XXXX open appx XX/XX/2018?
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| 09/26/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I contacted the collection agency and the original creditor an informed them both that they have a collection account in my name that does not belong to me. It appears to be an collection account with a company name Merchants Credit Guide partial account number XXXX in the amount of {$510.00} with an open date of XX/XX/2019 and the original creditor is XXXX XXXX XXXX. I have requested signed documents or any contracts that would link me to these accounts in written and both the collection agency and original creditor has failed to provide the information requested and this is a breach against the HIPA Law.
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| 09/26/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I contacted the collection agency and the original creditor an informed them both that they have a collection account in my name that does not belong to me. It appears to be an collection account with a company name Merchants Credit Guide partial account number XXXX in the amount of {$340.00} with an open date of XX/XX/2020 and the original creditor is XXXX XXXX XXXX. I have requested signed documents or any contracts that would link me to these accounts in written and both the collection agency and original creditor has failed to provide the information requested and this is a breach against the HIPA Law.
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| 05/09/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2020 I wrote a certified with returned receipt letter ( # XXXX XXXX XXXX XXXX XXXX ) to Merchants Credit Guide in reference to an amount posted on my credit report for the amount of {$150.00}. As the Fair Credit Debt Collection Practices Act ( FDCPA ) they are not allowed to report to any credit report bureaus ( XXXX, XXXX & XXXX ) until I verified this account. Merchants Credit Guide reported invalidated information to the credit bureaus without my knowledge. In addition, under the Health Insurance Portability and Accountability Act ( HIPAA ) Merchants Credit Guide is in violation of the act.
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| 08/06/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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In XXXX of 2014 I dropped a class so the school gave me a credit of money that was left over. Again in XXXX 2014 I withdrew from the school dropping XXXX more classes. I took loans out for each semester I attended classes. I received credit for the two classes that i dropped and I had money left over from my loans. The school is trying to tell me that I owe them money when I do n't. When I log into my student account, I see that someone made changes in XXXX showing that I owe. That is around the same time frame that I had them go over my account because they were sending me letters about the balance due.
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| 09/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/2020 Merchants Credit Guide added a derogatory remark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Merchants Credit Guide has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.
|
| 04/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Re : Merchant Credit Gui : Amount ( s ) {$580.00} and {$700.00} ALL of the reporting dates are inaccurately listed under the account of the alleged debt the statute of limitations for reporting under the FCRA has passed.
In Addition, all medical debts shouldve been covered under insurance through Texas XXXX during/prior/afterwards within the timeframe indicate. I have listed Insurance Information below for verification.
I the consumer did not receive notification of any balances owed prior to the creditor reporting the alleged debt to the credit reporting agencies.
Texas XXXX # XXXX XXXX
|
| 04/03/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
This is concerning a XXXX that billed me for a full {$180.00} payment for an appointment that I cancelled. I called her office within the 24 hrs and her voicemail mail was full. I finally got thru the day before my appointment and left a cancel message. I did n't hear from her office for 5 months and out of nowhere received an invoice saying I owed her {$180.00} for a late cancel. I called and told them I had cancelled this appointment but to no avail. Today I received a bill from a collection agency called Merchants Credit Guide Co. in XXXX saying XXXX XXXX had sent the bill to collections.
|
| 10/11/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2019, I mailed a certified letter to Merchants Credit Guide Co to request additional information for verification of debt, including an indication of my responsibility to the said debt ( signed contract and/or promissory note ) amongst other personally identifiable information and my relationship with the said creditor. On XX/XX/19, I received a printed itemized statement of charges ; none of which identified my responsibility to pay. I do not owe this debt and I have not received anything from the collection agency that would convince me that the debt is valid or belongs to me.
|
| 02/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have contacted XXXX Hospital several times now and this debt was removed from XXXX of the credit bureaus since they have no record of this on file for me. merchants Credit guide removed this debt on XXXX XXXX from XXXX and XXXX. I contacted Merchant 's credit who is reporting this still to XXXX and they refused to listen to me, were rude and told me they are authorized to continue to report this as long as they want. The representative said that XXXX Hospital is telling them to continue to report this. XXXX says they have done no such thing and have no record of anything owed for me.
|
| 11/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My complaint is regarding Merchants Credit Guide Collection Company listed on my credit report also under XXXX XXXX XXXX for {$280.00} and {$750.00} I have sent several letters disputing this debt and It was removed however it keeps popping up and the documentation they allegedly sent to the Credit Bureaus is a direct violation of my HIPPA rights. I would like for this debt and any additional debts from this company removed from my credit report immediately. It was removed and added back to my credit report and I was not notified with any documentation from the Bureaus or Creditors.
|
| 07/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have previously request a validation of debt with this company for four accounts that are negatively reporting on my credit report. File number # XXXX, # XXXX, # XXXX, and # XXXX. I requested very specific validation which this company has failed to meet the request. They have also responded with a detailed billing statement that had a detailed list of procedures performed. Not only did this company fail to prove that I am the indeed party that owes this debt, They have also violated Hipaa with even having access to someone's medical history without a signed medical release form.
|
| 12/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX, MERCHANTS CREDIT GUIDE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 01/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, 2020, MERCHANTS CREDIT GU add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GU has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 02/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XXXX MERCHANTS CREDIT GUIDE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 08/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2020 I sent a letter ( certified ) to Merchant 's Credit Guide requesting verification of debt being reported on my credit report. In the letter, I also requested the agency to stop calling my phone and that all further communication should be only in writing. The certified letter was received ( with adult signature confirmation ) on XX/XX/2020. On XX/XX/2020 at XXXX XXXX, the collection agency called my number again and left a 3 minute voicemail. The number they called from is XXXX. This is the same number they have used in the past in their communication attempts.
|
| 08/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2020 I sent a letter ( certified ) to Merchant 's Credit Guide requesting verification of debt being reported on my credit report. In the letter, I also requested the agency to stop calling my phone and that all further communication should be only in writing. The certified letter was received ( with adult signature confirmation ) on XX/XX/2020. On XX/XX/2020 at XXXX XXXX, the collection agency called my number again and left a 3 minute voicemail. The number they called from is XXXX. This is the same number they have used in the past in their communication attempts.
|
| 01/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I, XXXX XXXX, have requested a debt verification letter from Merchants Credit Guide ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Phone Number XXXX XXXX XXXX XXXX XXXX, on 3 different occasions. I am told each time of a new issue as to why they can not verify my debt and/or send me this debt verification within 30 days. Each representative says they will request a new debt verification once again. This has been going on for months now. I have asked for this debt to be deleted as it is fraudulent and they can not provide me any verification and the company refuses to do so.
|
| 04/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I noticed that I had a debt collection from Merchants Credit Guide. The original debt was with XXXX XXXX XXXX. I contacted XXXX they had the wrong address and phone number for me. I never received a bill. The Hospital stated that they would get the debt back from Merchants. I was contacted by XXXX on XX/XX/19 and was told that they had gotten the debt back from Merchants, I paid the bill on that day. On XX/XX/19 it is still on my credit report and Merchants stated that they did not receive any information from XXXX. XXXX stated they sent the information to Merchants.
|
| 03/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
( MERCHANTS CREDIT GUIDE ) at ( XXXX XXXX XXXX XXXX. XXXX, IL XXXX ) has been reporting on my credit report as a collection notice in the amount of ( {$69.00} ). This collection has been reported as a unpaid balance in collections. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. Collections is not from original creditor. I do not owe Merchants Credit Guide ( account # XXXX ) for the amount of {$69.00} I never heard of ( Merchants Credit Guide ) I never did a contract with them.
|
| 10/17/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Merchants Credit Guide XXXX XXXX XXXX XXXX XXXX, illinoi XXXX XXXX This is a multiple offense of a company that has issued collection on my credit report. Each report was found unsubstantiated by all Credit Reporting Agencies. I placed a note on my record after each company investigated to refer to their own investigations before reporting the above and fraudulently adding same to my credit profile. They never produced a bill and can not prove the charge. I wish to report them and THE CRA 's for being negligent. I do n't know how to keep this from recurring.
|
| 09/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
There are XXXX XXXX XXXX on credit report XXXX for {$5800.00} and XXXX for {$1400.00}. These incidents occurred on XX/XX/XXXX. These were billed to insurance and no debt is owed. I have tried to work with company to get this removed with no avail. They also keep moving the open date which is currently showing XXXX so that it stays on credit report. Both of these should be removed as they are over XXXX XXXX XXXX. There is no way of me to pay or charge insurance again as XXXX XXXX does not even have records of this visit anymore or the insurance.
|
| 05/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have written Merchants Credit Guide on XXXX after noticing them reporting on my credit report without my authorization or permission not did I ever receive any letters from XXXX erchants Credit Guide n otifying me of this alleged debt they claim I owe. I know they received the letter as I sent it Certified Mail with Return Receipt and they received it on XX/XX/XXXX , copy of letter and return receipt is attached. I demand they provide " Verification '' documents, which should include a signature, and verify this per the FDCPA and FCRA.
|
| 03/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
( MERCHANTS CREDIT GUIDE COMPANY XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency ( MERCHANTS CREDIT GUIDE COMPANY ) did not verify this collection. Also there was no written form of contract or signature to ( MERCHANTS CREDIT GUIDE COMPANY ) for this account debt at all. According to the FCRA and HIPPA, ( MERCHANTS CREDIT GUIDE COMPANY ) has violated my HIPPA rights as a consumer and I requesting legal action to remove this account immediately.
|
| 09/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collector or creditor did not provide Hipaa release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law According to 15 usc Code 1681 b ( a ) ( 2 ) that states you have to give them written permission to furnish anything on your report which I have not This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
|
| 04/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted Merchants Credit Guide asking to validate my debt instead they sent me a bill I sent another validation of debt letter and they sent a letter dated on XX/XX/21 stating they will reach out to creditor to obtain validation documents if not obtained they will close account cease any further collection activity and return account to the creditor. This company has failed to validate my debt and is still reporting this information on my credit report. Please remove from my credit report this company has failed to validate debt
|
| 02/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I already reached out to the credit bureaus and to the following company to notify them of their errors. THE MERCHANTS CREDIT GUIDE ( account # 's XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) and XXXX XXXX XXXX ( account # XXXX ) ARE MEDICAL DEBTS THAT SHOULD BE COVERED BY MY HEALTH INSURANCE. It should be noted that I have nothing to do with this being paid late and worse, allowed to go into collection. Continued reporting of these inaccurate and UNVALIDATED debts is considered a collection attempt. Stop this harassment.
|
| 03/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I received a notice that a debt collection had been added to my credit bureau file in the amount of {$1600.00}. The credit collection agency is Merchants Credit located at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I sent the XXXX debt validation XX/XX/XXXX. I sent through certified mail with return receipt and received no response. I sent another letter dated XX/XX/XXXX also through certified mail with return receipt. Once again with no response. When I dispute through the credit agencies that the debt is valid.
|
| 03/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This complaint is related to the company Merchants Credit Guide whose website is at https : //merchantscreditguide.com/.
Recently, I was notified that an unpaid debt had been added to my credit report from an XXXX XXXX visit I made in 2020. When I spoke with the representative on the phone I discovered that they had the wrong address on file and had failed to notify me of the debt.
As a result my credit score has been impacted days before I was planning on purchasing a home causing me significant financial harm.
|
| 04/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Merchants Credit Guide Co, reported on XX/XX/2019, to the XXXX credit bureaus that I owed {$930.00}. They claimed it was from XXXX XXXXXXXX XXXX XXXX. For the past three years, I disputed multiple times through each bureau. I also directly contacted the Merchants Credit Guide Co after XXXX XXXXXXXX XXXX confirmed they have no such a record with them. I sent the documents ( copy of my DL, written statement ) the collection agency asked me to email and they never respond back to my calls or emails after that.
|
| 07/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have tried to get collection company " Merchants Credit Guide '' and credit bureaus to remove a claimed debt of {$460.00}. XXXX has already complied and removed the derogatory item from my report but XXXX and XXXX have not. Merchants credit guide only responded to my 1st letter and ignored my second letter requesting for proof of debt, 1st letter Tracking # XXXX - 2nd letter tracking # : XXXX.
XXXX ( Tracking # XXXX ) and XXXX ( tracking # XXXX ) also failed to provide me with proof of alleged debt.
|
| 05/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from Merchant credit guide on XX/XX/XXXX about a Medical procedure that was supposed done on XX/XX/XXXX. I wrote a validation letter to ask what procedure was done and the statute of limitations on this Alleged debt by Certified mail and I received another letter today asking for payment with no Validation. Im aware of my rights and HIPAA laws as well. I want Merchants credit guide to cease and desist all collections on this debt unless they provide what I asked for by legal right.
|
| 05/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted Merchants Credit Giude to dispute a debt. I requested a copy of the bill and was told I needed to contact XXXX Hospital. I did just that twice and no bill was ever sent to me. I contacted the creditor again and was told that my account would be placed on hold and would not be sent to collections. When I disputed the bill through the credit bureaus, it was reported as accurate. It is on recording that it would not be sent to collections. No one will listen to the recording as requested.
|
| 02/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
All of these charges were brought about during my XXXXXXXX XXXX XXXX. Theire client XXXX XXXX neglected to use my Medicaid insurance along with my Medicare insurance which they have copies of both. I did not receive mailed statements for services rendered and aslo had no copays of these amounts. As of this writing they still do not do proper insurance billing as it is faster for them to send to Merchants Credit Collection. I no longer owe XXXX these debts as they were given to Merchants Credit
|
| 02/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Checked my credit report, around XXXX XXXX, 2016, and noticed Merchants Credit Guide reporting a negative collection account. I immediately disputed it with all XXXX major credit bureaus and also mailed Merchants Credit Guide two letters to either verify or delete this account from my credit report. I still have not received any response to my second letter which I sent by USPS registered mail with return receipt and will be attaching all documents that I sent them and the proof of delivery.
|
| 01/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have attached a letter to XXXX XXXX XXXX outlining potentially illegal activity that they have engaged. They have not validated an alleged date, failed to provide any written communication to me as well as reported to all credit bureaus without due process and following the law.
I have filed disputes with all credit bureaus and sent them the attached letter. This reporting is meant to document the letter sent for a formal response given the appearance of their disregard for the law.
|
| 11/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There are four medical accounts with Merchants credit Guide company in which I do not owe.They stated that these charges are from Old doctors and hospital visits from XXXX XXXX. The following amounts that are reporting on my credit report is in the following amounts XXXX and XXXX. When I contacted the original creditor which is XXXX they stated that there was no balance due and that the debt was not sold to this company at all. If this is the case this is a violation of the HIPPA Law.
|
| 07/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2021 is when the collection agency took over the bill. It's for {$470.00}. About 10 or 11 months ago I went into my credit report and I saw this negative report and I had no idea what it was. When I called them they didn't have my right address so I never got a bill from them. I told them the correct address and I told them to send all of it back to the original doctor not only did I never receive a bill the address isn't corrected and the original doctor hasn't gotten anything
|
| 03/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I mailed a dispute letter to company and requested validation for accounts and didnt get completed documents in timely matter yet credit agency has updated as accurate also. I requested proof of my signature didnt receive such these accounts isnt valid.
The account XXXX Has my name listed XXXX XXXX and it shows it bill Also other account XXXX List my name incorrect also these accounts must be removed for several reasons I will enclose to you only my Id or correct spelling on I.d
|
| 03/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This complaint is for validation of the alleged debt within 30 days. The company Merchants Credit Guide is on my credit report reporting an alleged debt of {$410.00}. The company has not provided me my right to dispute the alleged debt within 30 days and I never gave permission for the company to pull my credit reports. The company is causing injury to my credit report by drop of score and is in violation of the Fair Credit Reporting Act ( FCRA ). Thank you and have a great day.
|
| 01/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Requested validation of debt on XX/XX/XXXX, From Merchant Credit Guide Co, and received a response on XX/XX/XXXX. The response was only a print out of a bill of services that included protected HIPPA information. I feel violated that my HIPPA information was disseminated without my authorization and my signed HIPPA release form. Looking at my XXXX credit report they have reported 4 times with 4 different dollar amounts with a different amount that is on the letter they sent me.
|
| 01/29/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have received two calls thus far from Merchants Credit Guide Company our of XXXX claiming that I owe a debt. However, they will not give me information regarding this debt unless I provide them with my birthdate and other personal information first. I am worried this is a scam and did not give them my information unless they give me their information first. They called from a phone number XXXX XXXX XXXX XXXX. My FICO score is XXXX. So I have no idea what debt I could have?
|
| 02/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was injured at work and had to be taken to hospital. This collection account is a workers compensation bill. My employer is responsible for this bill or account. My employer has taken care of the hospital and other medical bill of this injury, but has not taken care of this bill which is the ambulance ride to hospital. I have contacted all parties involved with the correct information. But collection are still going on in my name and Affecting my CREDIT. The amount is XXXX
|
| 09/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Recently, a company named Merchants Credit Guide started reporting a collection account on my credit report. I have no idea who or what this is. The Fair Debt Collection Practices Act states that a collection agency is required to provide a 30-day notice to dispute, prior to an account such as this be reported on my credit report. I received no such notice, and was not provided with the opportunity to dispute this debt, prior to this company reporting it on my credit report.
|
| 02/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i sent a debt validation letter 2 times on XXXX XXXX and each time this company ( merchants credit guide ) XXXX XXXX XXXX XXXX # XXXX XXXX illinois XXXX has failed to validate my debt. instead they sent me a list of my medical records which i know is a direct violation of HIPPA regulations. Never signed a HIPPA form authorizing them to have it to have access to this information. please delete this information from my credit file cease all collection activities immediately.
|
| 07/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : MERCHANTS CREDIT GUIDE ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX
|
| 04/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This company has placed a medical debt on my credit since I was injured in XXXX. The fact that I was out of work due to an injury and still fighting claim and this office lack assisting so I wouldn't have a balance. I wasnt aware until later that my insurance could have been filed. Once the company attempted to file insurance it was to late. The medical debt of {$640.00}. Im disputing this because I feel had I known my insurance that I had would have covered it.
|
| 11/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX and I am a victim of identity theft. I have contacted Merchants Credit Guide on several occasions to remove these so called medical debts from my credit report and they refuse to do so. They have not complied with my requests under the FDCPA or FCRA and have failed to provide proof or verification of the alleged debt. I am once again enclosing my identity theft report and notice to XXXX XXXX and XXXX. I have never been to these facilities.
|
| 12/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX XXXX has submitted a debit in my name to a debit collector. I have two insurance providers which should have been billed but were not. This is now reflected on my credit as of XX/XX/23 when I have worked so hard to improve my credit. I have told the company to contact the hospital to send the billing to XXXX to no avail. The company that reported to my credit and who has been harassing me is MERCHANT CREDIT GUIDE CO @ XXXX. The amount is {$570.00}
|
| 06/10/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
DEBT IS FOR A CHARGE THAT WAS GENERATED BY XXXX XXXX OF XXXX HOSPITAL. I HAVE TALKED WITH THE HOSPITAL 'S BILLING OFFICE SEVERAL TIMES ABOUT THIS CHARGE AND INSTRUCTED THAT UNDER NO CIRCUMSTANCE WILL I PAY FOR SOMETHING THAT WAS REPORTED TO XXXX FOR SOMETHING I NEVER RECEIVED. I TOLD THE HOSPITAL THAT THEY ARE GUILTY OF XXXX FRAUD. I WILL NEVER PAY FOR SOMETHING THAT I DID NOT RECEIVE. I REPORTED THE HOSPITAL TO XXXX FOR THEIR FRAUDULENT BILLING PRACTICES.
|
| 03/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I spoke with the hospital billing department concerning this 4 year old bill.
They informed me that the bill was paid. They had problems with the insurance company as hospitals do in collecting payments from the insurance company. So merchants credit is willfully and wrongly reporting incorrect and damaging information to my credit report. Please take the necessary steps and fine merchants credit and compensate me for damages done to my credit report.
|
| 10/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have file several dispute to the bureaus, and creditor in regards of the inaccurate, errors, name, addresses and derogatory items on my credit report.. It's well over 90 days and I haven't received any results nor correction or deletions off my credit report ... At this point the parties involved is in violation of the FCRA and compliance law..
pleas help me by assisting with making them comply and and remove the items off my credit report..
|
| 02/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MERCHANTS CREDIT GUIDE IS A THIRD PARTY DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT. ALSO I NEVER SIGNED A HIPPA REQUEST FORM SO THEY ARE VIOLATING MY HIPPA RIGHTS REPORTING THIS ALLEGED MEDICAL DEBT TO MY CONSUMER REPORTS. I WANT THEM TO REMOVE THIS DEBT
|
| 03/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
merchants credit guide company XXXX Collection opened XX/XX/2019 MERCHANTS CREDIT GUIDE add a derogatory marks on my credit reports. Upon further research, this account was open as fraud. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine.
|
| 02/28/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
XXXX did not submit my claim in a timely fashion to XXXX XXXX XXXX XXXX ... .they later sold my account sending ALL OF MY MEDICAL INFORMATION ... everything I was treated for WHICH IS CLEARLY A VIOLATION OF HIPAA LAWS WHICH clearly states that my individual and identifiable health information should be private UNLESS I GIVE PERMISSION to release ... I DID NOT GIVE PERMISSION ... AND THERE IS NO SIGNED CONSENT TO RELEASE MY INFORMATION
|
| 08/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
By ignoring my disputes, I feel as though I am being taken advantage of. XXXX explicitly states that failure to review an item within 30 days will result in its immediate removal from my credit record. Since more than 60 days have passed, these entries must be deleted immediately. I demand the quick deletion of these accounts, or I will sue you for the stress you have given me.
MERCHANTS CR ( Original Creditor : XXXX XXXX )
|
| 09/20/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I KEEP RECEIVING CALLS FROM XXXX EXT XXXX. THEY ARE RUDE AND THEY ARE LIARS. IVE TOLD THEM I SHARE MY CELL PHONE AND THEY HAVE LEFT 4 VOICEMAILS SO FAR STATING THEY ARE DEBT COLLECTORS. MY CELL PHONE DOESNT IDENTIFY ME BY NAME SO WHY WOULD THEY SAY THAT. I WANT ALL CALLS TO STOP AS I WILL FILE A LAWSUIT FOR FDCPA VIOLATIONS IF THEY CALL AGAIN. ALSO LEFT ANOTHER VOICEMAIL ON MY WORK VOICEMAIL, AND IT WAS NOT LEFT AT MY DESK
|
| 02/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I been receiving my Dr 'S. bill and been mailing {$50.00} a month as of today I have a balance of {$150.00}. Without notice they send me to collections!!!. I contact them and they said its because i have a balance. In the old days as long as you making a payment in good faith that was enough ... .WHAT HAPPEN, DRS OFFICE ARE GETTING.GREEDY! THEY ARE ALSO SENDING THIS TO RUIN MY CREDIT SCORE!
thank you XXXX XXXX XXXX XXXX
|
| 08/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : MERCHANTS CREDIT GUIDE Account Number :
|
| 12/10/2020 |
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
|
|
Web |
|
|
I put in a dispute of the incorrect items placed on my file to be reviewed. The Bureau stated it was verified in XXXX. In XXXX I requested validation information on the verified information. The Bureau stated it was verified again. I did not receive any contracts bearing my signature, contact information of the parties that the company spoke with, or a method of their verification. This is a violation of my rights.
|
| 07/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I got phone calls stating that I need to call ASAP Today about a debt. I could barely hear most of the message but an authority voice telling me to call. I am XXXX XXXX XXXX as my husband is also a XXXX vet. We do not need this. We are paying our debts and closed and are paying on what we could not. I also have a cease communication order on every debt collector from these harassment calls and we get them anyway.
|
| 07/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a debt validation letter on XX/XX/2021 for this company to validate my debt. And they failed to validate my debt. Instead they sent a copy of my medical records/procedure. Which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form allowing them access to my medical information. Please delete this information from my credit file and cease all collection activities immediately.
|
| 01/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is what happen when I pulled out my credit report I was totally surprise when I saw this MERCHANTS CREDIT GUIDE that has a balance of {$90.00} XXXX XXXX XXXX cause I did not own this account, this is inaccurate and they're only supposed to report accurate information. I was really suffer from this mistake and inaccurate information. THIS ACCOUNT IS NOT BELONG TO ME and this is a totally FRAUD.
|
| 08/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted stating that I owed {$880.00} by Merchants credit guide for a medical bill and this is inaccurate because I have health insurance and my copay for an ER visit at the time were {$200.00}. I have had at least 3 collections for the same Hospital and I've paid them down and never received anything stating that I owed {$880.00}. Now this has been added to my credit, lowering my score.
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with FCRA the creditor XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 status I have the right to privacy. 15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late.
|
| 03/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
I HAVE RECEIVED COMMUNICATION FROM AGENCY REGARDING A DEBT COLLECTION BUT THEY INDICATE THAT IT IS SEVERAL COMPANIES THEY ARE REPRESENTING BUT DO NOT IDENTIFY NAMES OF THE COMPANIES. THEY STATE ( SEVERAL ). I HAVE SENT CORRESPONDENCE REQUESTING THE NAMES OF ALL DEBTORS TO AVOID DUPLICATION OF DEBT COLLECTION ON THE SAME DEBT FROM VARIOUS ENTITIES. I AM WAITING FOR THAT REQUESTED INFORMATION.
|
| 04/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX shows incorrect record from Merchants Credit Guide for a medical record not owned by me. They show records from that hospital multiple times. I have tried to reach many times to them and they validate that the person they intent to report is not me but someone else but again next time that appears in my report. I have lodged a complain with them sharing my Id details and report too.
|
| 04/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello I have sent a letter to this company letting on XX/XX/2022. I have sent dispute letters along with ftc report letting them I have been victim of id theft and they are refusing to remove I have sent disputes on XXXX to no avail they are refusing to remove this despite me sending eligible documents for it to removed from credit report The amounts the collections {$460.00} {$850.00}
|
| 07/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, AND XXXX, MERCHANTS CREDIT GUIDE XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 08/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Went to Doctor for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, diagnosed XXXX and I shared my insurance information with doctor, he suggested treatment which consisted in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a few sessions, doctor never explained that this XXXX was not covered by my insurance and now I have a collections agency calling and negatively affecting my credit.
|
| 03/01/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
my name is XXXX : the medical bill was to be paid by insurance but it was never paid. Now Merchants Credit Guide send it to my credit report as unpaid, which has been {$56.00} ; which i paid it directly to the hospital because i want it to be off my credit report, but the collection company still keeps on putting as unpaid and in my credit report. I may be contacted at XXXX or XXXX
|
| 08/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My records associated with the account MERCHANTS CREDIT GUIDE do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to MERCHANTS CREDIT GUIDE but I did not receive what I asked and these violations persist on my credit report.
|
| 11/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
strange and unfamiliar account pops up on my report. I wrote both the credit buraus and the collection agency about it and they both sent me the same computer generated information which only shows my address matched to these false accounts. I have written them again and requested a real debt validation and not some e-oscar varification print out. Have n't heard back from neither.
|
| 09/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got a notification on a credit monitoring site I use saying there was a new collection for the amount of {$130.00} but there is no info on what type of collection it is. The companies name is " merchants credit guide '' out of XXXX upon further investigating through my states ( Texas ) secretary of state website they do not have a license to be collecting in Texas since 2007.
|
| 12/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT. ALSO I NEVER SIGNED A HIPPA REQUEST FORM SO THEY ARE VIOLATING MY HIPPA RIGHTS REPORTING THIS ALLEGED MEDICAL DEBT TO MY CONSUMER REPORTS.
|
| 07/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The collection amounts in question are {$490.00} and {$490.00}. These amounts are under {$500.00}, which falls under the guidelines provided by the Consumer Financial Protection Bureau ( CFPB ). According to the CFPBXXXX XXXX debts under {$500.00} should not be reported to credit bureaus. Therefore, I request that these accounts be removed from my credit report immediately.
|
| 05/18/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Medical Bill my ex-wife failed to properly submit to correct insurance went unpaid and I was not notified or ever received a bill until I saw the negative mark on my credit report. I made immediate payment while still proceeding to have the correct insurance coverage applied. The collection company is refusing to remove the fraudulent derogatory mark from my credit reports.
|
| 02/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving the issue with XXXX on XX/XX/XXXX and direct through the company on XX/XX/XXXX but no resolution has been made.
|
| 11/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a collection account on my credit reports from Merchant 's Credit Guide for a some kind of medical collection from a radiology place. I have no idea what this is and I have attempted disputing this with the credit bureaus and have not had any success in getting this resolved. This needs to be removed from my credit reports. This does not belong to me.
|
| 01/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a letter to the company multiple times regarding the dept. The last response I got from them they sent me back a copy of the XXXXl treatment I got that day. I read that it was illegal and that they are in violation for sending information about the treatment I got. WHEN I sent them a letter saying that they were in violation. They never responded.
|
| 09/19/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello, I was out of work for a year. I paid for a service for coverage for this account. They did not honor that coverage. They have now sent my account to a collection agency, without fairly deducting payment hat should have been paid. Therefore, they have ruined my credit and also applied unfeasible. The balance on he account should be much lower.
|
| 05/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX ; XXXX, the company Merchant 's Credit Guide Fraudulently reported on my credit profile that I am in debted to their company. I never entered into an agreement with this agency, please remove this collection, or I will be forced to pursue litigation. The next steps are to file a Complaint with the State Attorney General Office in my State.
|
| 06/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a medical collection that is being reported illegally on my credit report. This is violating my privacy and HIPAA law. I would like for this account to be removed from my credit profile within thirty ( 30 ) days from today or you are opening yourself up for litigation.
Merchants Credit Guide ( XXXX XXXX XXXX ) Opened on XX/XX/2023 XXXX
|
| 04/03/2020 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
XX/XX/2020 I mailed a request to XXXX and XXXX I havent received any documents back about the in accurate account not mine being removed theres no proof these are accurately my accounts.
XXXX {$350.00} reporting from XXXX and XXXX. Mailed dispute to XXXX.
I have mailed dispute to XXXX and still reporting XXXX Merchants Credit {$150.00}.
|
| 06/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Merchants Credit guide co claims I owe {$1300.00} I paid {$1300.00} to XXXX XXXX ( actual original amount owed ) on XX/XX/2019. Collection agency still claims I owe a balance as of XX/XX/2019. I confirmed with a phone call to XXXX XXXX and they confirm its paid to XXXX balance. Merchants credit guide co is still trying to collect on this account.
|
| 09/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I first Contacted this company XX/XX/2018 to validate the debt. i received a letter back dated XX/XX/2018 that this company will obtain the requested documents and if it cant be done in a timely manner they will cease any further collections. as of XX/XX/2018 which has been over 30 business days and the proper validation has yet been received.
|
| 02/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
They are trying to collect on a debt illegally. They have been reporting this debt for XXXX and a half years but according to the State of Texas, they have n't been bonded in the State of Texas since XXXX! I have repeatedly disputed this account and requested verification but they keep verifying it. Latest verification was XXXX XXXX, XXXX
|
| 06/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Account Name : MERCHANTS CREDIT GUIDE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Reason : Identity theft Please remove it from my credit report.
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.
|
| 04/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Merchant Credit Guide is attempting to collect on a medical bill that the hospital did not handle correctly. I do not want to sue the collections company because they didn't create the issue. So if they can pass this issue back to the hospital I will move forward with suing the source not the collection agency ...
|
| 04/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Merchants Credit Guide {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2020 I shouldve never received this bill this is a Medicare issue has nothing to do with me merchants Credit guide has talked to my insurance company as well as me and told me they would remove it last year now they are fraudulent reporting this.
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, Merchant Credit Guide Account # XXXX, has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 05/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
There is a negative collection report on my credit for debt that is and was not mine. I was taking to XXXX Hospital as a child. The amount on my credit is for XXXX from Merchants credit, I was a minor child not responsible for this debt. This debt belongs to my parents not myself. I have disputed it and nothing.
|
| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
There was a an Account open in my name that was not me, I reached out to the company and the verified the account was open fraudulently.
Illinois XXXX XXXX Date opened XX/XX/2018 Amount {$930.00} My personal information was apart of the XXXX data breach, this account is still reflecting on my credit report
|
| 03/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Merchants credit guide appeared on my credit asked what this was for all information was a hospital bill. went to hospital got a copy of bill paid hospital directly and merchants placed on my credit anyways even though I didn't owe them, and proceeded to claim a amount higher then what was actually owed.
|
| 11/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
|
| 11/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
|
| 08/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I never received an initial bill, and it was sent to collections for {$18.00}. Absolutely ridiculous. I also never received any phone calls or voicemails to ensure I received my bill before it was sent to collections. For such a low amount one would believe the company would call to ensure I got it.
|
| 05/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
They have refused to fix or update my reports as I filed multiple disputes and have them the proper information. Not only did they not fix the error but they have allowed the reports to be updated. Their representative disconnected the call when I ask them to further investigate the errors.
|
| 02/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received information from a recent update on my credit report of MERCHANTS CREDIT GUIDE placing an unknown collection account on my credit file, to collect an alleged debt that I know nothing about or no attempt was made to contact me. I received absolutely nothing regarding this.
|
| 08/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have tried to contact debt collector to receive proper debt validation several times to no avail. i have also sent several letters by certified mail to receive proper and accurate validation from original creditor. never received proper validation by timeframe allowed legally
|
| 05/14/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I applied to attend the college. I was told my FASFA would not come in enough time to enroll me in classes for the institution. Unaware they still are charging me for classes I was told i could not attend. I feel this should be removed from my credit score given the situation.
|
| 04/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I made payment through my health insurance but the hospital has sent this bill to collections. I made my payment so why am I being bothered? If this is in anyway impacting my credit history I want it all reverted else I will raise another complaint and take it furthet
|
| 02/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received information from a recent update on my credit report of MERCHANTS CREDIT GUIDE placing an unknown collection account on my credit file, to collect an alleged debt that I know nothing about or had No attempts to contact me even made. This is not right!
|
| 09/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a XXXX visit years ago over an XXXX XXXX. The XXXX had settled the account with their financial aid and alongside my insurance that I gave to them. They are now trying to falsely report a debt and ask for payment when the balance is supposed to be XXXX.
|
| 09/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a collection account on my credit report that does not belong to me. I am a victim of identity theft and would like this account remove. I have spoken with the credit bureaus and they have refused to remove this fraudulent account from my credit report.
|
| 05/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Requested validation of debt sometime in XX/XX/2019, received a response on XX/XX/2019. The response was only a print out of services and included protected HIPPA information. I feel violated that my HIPPA information was disseminated without my authorization.
|
| 10/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
again and again, they called me several times harassing me trying to collect a debt that is not mine, they never validate any proof, or bare any contract with my signature stating that I owe Merchants credit guide, which is a third party collection agency
|
| 08/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX Original creditor passed a fraudulent debt on to MERCHANTS CREDIT GUIDE who has been harassing me non stop. I have no documentation of this debt on my XXXX XXXX XXXX coverage. I am ready to take this to an attorney. I want Proof of this debt
|
| 09/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Paid XXXX on XX/XX/2020 and XXXX on XX/XX/2020 to Merchants ' Credit Guide Co.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX : ( XXXX ) XXXX I still receive calls and it is still noted on my credit report. Im not sure how to take it off.
|
| 12/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT.
|
| 02/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Filed multiple disputes with company about the validity of the debt. The company keeps sending me copies of credit card statements as proof of validation of debt. I have asked for something more concrete as a way for validating the debt.
|
| 08/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please find my correspondence dated XX/XX/2021 attached hereto responding to your correspondence dated XX/XX/2021. Also a billing statement I received from Merchants ' Credit Guide Company exposing private medical procedure information.
|
| 06/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Merchants Credit has placed a medical bill on my credit that doesnt belong to me. They can not verify the debt or list any charges from the doctors visit. This company doesnt own the debt please have it removed from my credit report
|
| 02/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello I do not know what this debt is. It just showed up on my credit report I never received anything and don't know how old it is or if even mine.
If it's medical debt it should have been paid by insurance and not owed by me
|
| 07/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I am resending my correspondence dated XX/XX/2021 since this company continues to call and leave voicemails even after sending a cease and desist. Attached please find debt validation request, cease and desist and invoice.
|
| 06/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Merchants credit guide claim amounts are {$500.00} and XXXX Medical coverage was paid by private insurance coverage and balance owed is incorrect due to insurance deductible and hospital overcharged for services rendered
|
| 12/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Merchants Credit Guide company violated my HIPAA rights by asking for and obtaining my medical records which contained procedures and other documents. This was reported on my credit report on XX/XX/XXXX and XX/XX/XXXX.
|
| 03/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Sent out a written letter for more information to the 3rd party debt collector company to verify the debt and to verify if it was debt. Company call merchant credit guide .. they never provided me with the information
|
| 05/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Payment of debt of {$300.00}. was made in XXXX of XXXX and the debt is still showing on my against my credit report. I called the company as recently as XX/XX/XXXX to tell them to removed and it is still showing.
|
| 05/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Company keeps calling my job and leaving threatening messages to my co-workers that I'm in a lot of trouble if I don't return there call and settle my debt or they would process a warrant for my arrest for fraud.
|
| 03/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have no business contract or any other type of dealing with this company. I am contacting the FTC concerning their unfair practices.I am also contacting my lawyer concerning them damaging my credit report
|
| 04/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I requested a valid debt validation letter several times. i was written by mail and notified if they couldnt receive info in a timely manner the account will be closed and returned to original creditor
|
| 01/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.
|
| 04/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Merchant Credit Guide is a debt collector trying to collect a debt for a XXXX XXXX XXXX XXXX the owner will have his employees stop calling me and i get phone calls every month and this has to end.
|
| 05/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I greatly apologize but I do not recall ever seeing this doctor. Nor receiving any medical treatment from him. I do not recognize the payment being ask for nor what constitutes a {$300.00} bill.
|
| 03/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MERCHANTS CREDIT GUIDE C Account number XXXX Date opened XX/XX/2016 Balance {$390.00} MERCHANTS CREDIT GUIDE XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/2016 balance {$430.00}
|
| 10/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I hate this! I already spent a lot of months sending disputes and filing complaint but I don't see any results from my disputes. This is really hurting me and giving stress to me.
|
| 03/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.
|
| 08/10/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2022 I submitted a formal complaint asking for the account in question to be validated via written contract or agreement, to which no response was received to date.
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.
|
| 08/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
They do not care about people when they call in. They use foul language and really belittle you. Never received anything from these people just a slap on my credit report!
|
| 09/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I requested debt validation over 30 days ago with no response from Mechants Credit Guide. They have reported this item to my credit report and I believe its not valid
|
| 11/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Merchant Credit Guide XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I 've received calls from this company as early as XXXX AM. I can provide phone records from XXXX.
|
| 09/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This debt collection company has called me 7 times today and left me 4 voicemails. I dont even know what this debt is for. They call at all hours of the day.
|
| 07/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 01/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
So, I sent you guys a letter about two weeks ago and still haven't heard anything back. You guys are reporting inaccurate Information on my credit report.
|
| 10/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
While viewing my credit report I seen Merchants Credit guide balance of {$230.00} & {$290.00} which I do not recall these two accounts or company.
|
| 12/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I paid off the entire amount and on my consumer report it is still showing that I owe Merchants Credit Guide in the amount of {$700.00} dollars.
|
| 03/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I submitted cease and desist orders to the collection agency and they have not complied with the order and is in violation of FDCPA regulations
|
| 08/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
COLLECTOR ONCE AGAIN VIOLATED FCRA-FDCPA AND TCPA BY CALLING MY MOMS CELL 11 TIMES. THEY PURCHASED SAID DEBT THAT WAS PARTIALLY PAID LAST WEEK.
|
| 03/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
All I know is that this account is showing up on my credit report and I have no knowledge of account or any business dealings with this company
|
| 03/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent couple letters to this company requesting debt validation and have received nothing but account is still on my credit report.
|
| 10/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I sent in letters to the company MERCHANTS CREDIT GUIDE and all 3 credit bureaus to get this XXXX collections off my credit report.
|
| 03/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The debt collector keeps removing this account then putting it back on. Now they have listed the same item twice on my XXXX bureau
|
| 01/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
unknown debt placed on my credit report 2/18 receiving harassing calls & damaging my credit report score, please help & remove
|
| 09/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent the company a debt validation letter over 30 days ago and I havent received a response. The letter was sent XX/XX/2022.
|
| 06/12/2019 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This says it's a medical debt for XXXX. I tried calling the phone number provided but it only rings and no one answers.
|
| 04/25/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Reporting I have three open accounts with a debt collector with bad dates of XX/XX/XXXX but debt letter has XXXX
|
| 04/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Merchant Credit Guide continues to harrass my family by phone.
We have asked them to stop but they refuse.
|
| 09/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Requested validation from debt collector and was not provided a response within the allotted time.
|
| 01/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MERCHANTS CREDIT GUI OPENED ON XX/XX/2020 FOR {$720.00} DOLLARS WAS NOT OPENED WITH MY PERMISSION.
|
| 07/27/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX I disputed a {$120.00} collection I requested that the debt be validated in that request.
|
| 02/27/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have no idea what this is for. Debt has not been verified. no contract or signature provided.
|
| 07/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX Medical Records show I owe nothing but still got a from debt collector saying I did!
|
| 07/27/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX I disputed a {$1200.00} I requested that the debt be validated in that request.
|
| 07/27/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX I disputed a {$1600.00} I requested that the debt be validated in that request.
|
| 08/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Merchants Credit Guide failed to validate debt in response to my validation request.
|
| 04/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I never received any notice or anything in mail on this from Merchants credit guide
|
| 07/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
The collection merchants credit guide should be closed it is under bankruptcy.
|
| 08/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is not mine. Merchants Credit Guide has the incorrect individual.
|
| 12/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
{$870.00} being reported as delinquent when I didnt contract with agency.
|
| 09/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
started calling from XX/XX/2018 everyday until now XX/XX/2018 XX/XX/2018
|
| 01/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt was paid long ago through collection.
|
| 01/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
not aware of debt
|
| 02/01/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 10/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 03/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/03/2023 |
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
|
|
Web |
|
|
|
| 02/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 01/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 11/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 10/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 09/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 07/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 07/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 07/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 07/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Older American, Servicemember |
|
|
| 06/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/18/2021 |
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
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/03/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
Older American |
|
|
| 04/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/06/2021 |
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
|
|
Web |
|
|
|
| 03/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/10/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 10/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 10/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
Servicemember |
|
|
| 08/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 06/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 12/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 10/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 06/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 04/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 01/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 11/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 11/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 11/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 11/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/25/2018 |
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
|
|
Web |
|
|
|
| 07/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 06/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 04/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 03/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 02/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 12/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/20/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/23/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/26/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/31/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 07/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/16/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 04/13/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 04/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 04/08/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/07/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/21/2017 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 03/14/2017 |
Yes |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Older American, Servicemember |
|
|
| 03/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/25/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/23/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/18/2017 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 12/28/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 12/20/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 11/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/12/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 08/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 08/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 08/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/12/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/08/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/16/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/05/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 05/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/08/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/24/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 04/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 03/29/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 03/06/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Older American |
|
|
| 01/23/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 11/28/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 09/11/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/15/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/24/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/27/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/20/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 11/07/2013 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 11/05/2013 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/23/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|