Mid-South Adjustment Co., Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/13/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72034	Web
XX/XX/XXXX I was involved in an auto accident. I was rear ended while sitting in the turn lane waiting to turn. It totaled my truck. I went to the hospital did everything I was supposed to do. The XXXX XXXXXXXX XXXX XXXX contracted me. Gave me a claim number to use for all of my XXXX care needs. I was told that all my bills was paid. Then later on I started getting a bill from the XXXX. I was thinking it was a mistake because I didnt owe anything and was told by XXXX XXXX XXXX all my medical bills was paid. So then I went to the billing department to find out whats going on. A lady told me that she couldnt get in contact with the insurance company. She said she called and left voicemails. And no one responded. I asked her did she mail a certified letter to them. She said no. Well this is a well known insurance company who also have a corporate number. So she told me since she couldnt contact them. They just put the bill on me. Which isnt right! I gave XXXX XXXX XXXX XXXX the claim number when I went to the XXXX. So how is all my other bills are paid except for this one? And I was told by the XXXX XXXX XXXX XXXX that it was? Now XXXX XXXX XXXX XXXX has giving it to Mid-South Adjustment Co. , Inc. Ive disputed it. And they say I owe it. I received a letter from this today ( XX/XX/XXXX ) according to some of the letter. Mid-South Adjustment says According to our client they did reach out to you and your insurance adjuster how could they reach to the adjuster when it says they couldnt contact them?. Then it says Our records indicate multiple calls were made and statements was mailed also. Multiple calls wasnt made to me so who received the calls? They have the adjusters name on file. What does this have to do with me? Have they tried this hard to contact XXXX XXXX XXXX XXXX? How come XXXX XXXX isnt listed with me. This was a wreck that happened that wasnt my fault. Contact the at fault person. Because how can you make me pay something just because you cant get in contact with a WELL KNOWN INSURANCE COMPANY? I want this fictitious lawsuit dropped and repair my credit report and do not contact me about someone elses debt. You have the names, the insurance company, the information that says it wasnt my fault, and you didnt contact them with a certified letter. I even called and left voicemail. And no one responded nor returned my calls. When I found about this. Contact XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX or the XXXX XXXXXXXX XXXX. Not me! Ive done my part. And just because you cant reach someone doesnt mean you put it off on someone else. Its already bad enough that Ive lost a lot due to someone elses negligence and now yall want me to lose again due to yall negligence of not contacting the right people for this matter.
05/25/2020	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	AR 72204	Web
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts ( XXXX XXXX XXXX, Mid South Adjustment, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX of 2020 and but yet are appearing on my report to this day. In addition XXXX, XXXX, and XXXX has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
03/08/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AR 72076	Web
XX/XX/XXXX XXXX XXXX reported to XXXX XXXX 6 delinquent accounts in my name for XXXX Arkansas. I only had 1 account with XXXX Arkansas in my name for medical care i recieved, when I broke my ankle in XXXX. When XXXX Arkansas sent the information to mid south adjusting, they sent each follow up visit as a separate bill/account. I only have 1 account with 1 balance that I'm paying on. When Mid South received the information they reported to XXXX XXXX 6 individual accounts for XXXX Arkansas in my name. The way they are reporting this to my credit report as 6 different accounts is completely unethical and wrong! I contacted XXXX Arkansas, who informed me it had been turned over to Mid South Adjusting, and I would have to talk to Mid South adjusting, when I called Mid South Adjusting, they said I would have to call XXXX Arkansas that they ( Mid South ) couldnt change anything. After 3 rounds of beig referred to the other company I have become completely frustrated. I have tried disputing the information through XXXX XXXX and have gotten no where. Now to top it all off I go and check my credit report for XXXX XXXX and they have listed all of the Mid South Adjusting ( 6 ) as Chapter XXXX wage earner plan account. Yes I was in bankruptcy, discharged in XX/XX/XXXX, but I never added these medical bills to that bankruptcy. I tried to dispute it via XXXX XXXX and and I get no where, it says I already summited a dispute. Oh and FYI I am making {$250.00} a month payments to Mid South Adjusting on a {$6000.00} balance combined 1 amount for 1 account, because they said they could not accept any less than that a month or they would garnish my wages. It is really putting me in a bind, but I'm trying to get this done and when I ask them to correct information I get the run around!
04/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33584	Web	Servicemember
I was sent a Collection Notice for a medical debt owed to XXXXXXXX XXXX for approximately {$1300.00}. I have not lived in the state of Arkansas since XXXX. I never went to an Orthopedic when I lived in the state of Arkansas. I reached out to the debt collector to advise I had no knowledge of this debt. I was advised it was for my son, who was a minor at the time of service, therefore they had the right to persue collection. I advised the rep that my son attends college and lives in the state of Arkansas with his father. I live in Florida. I was told I could dispute via email address. Prior to submitting my dispute, I called XXXX XXXX regarding the debt. I spoke with a rep who advised none of my information was on their records and they did not have me down as the responsible party. They advised the responsible party listed on their records was my son 's father, which is whom the debt should be under. They advised that they had spoken with his father several times, however he had not made payment. They advised my son 's father had brought my son to this office for treatment. I had no knowledge of my son 's treatment at this office nor have I ever provided consent for treatment or signed any documentation that I agreed to financial responsibility at this doctor office. I was never contacted by the doctor office regarding the debt at any point. The collection agency had never contacted me prior to XX/XX/XXXX, which is the date on the letter received. This item is now listed on my credit report as a collection item. I was never previously notified/afforded any opportunity to dispute the debt prior to it being reported on my credit.
04/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NM 870XX	Web
I wrote a letter to Mid South Adjustments that was delivered on XXXX asking them to send me proof of debt. they sent me a medical statement for an individual by the name of XXXX XXXX dated for XX/XX/2021 for an abulance bill at an unknown address in XXXX XXXX Arkansas for {$1000.00}. Not only have I never gone by that name but I also was not in that state at that time. I am a XXXX XXXX XXXX XXXX and have been recovering from a XXXX XXXX in the state of New Mexico where I have resided for several years. So this can not be me. I responed yet again to this merchant advising them to provide adequate proof and that was delivered to them on XXXX and also again I wrote them again advising them that they needed to remove this from my credit since they could not provide adequate proof of contract or verification not to mention the HIPPA violation that they are clearly violating by sending me medical paperwork for a XXXX XXXX in the state of AR where I could not clearly be when I have medical documentation in New Mexico clearly showing I have been being treated in the state of New Mexico even to the same time frame of this claim. I am able to provide proof of all letters signed for and sent as well as medical documentation showing that I have been in the state of New Mexico and would like this to be fully investigated and removed from my credit as fraud.
11/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 722XX	Web	Servicemember
I sent a letter on XXXX to Mid-South Adjustments specifically asking for verifiable proof ( an original contract with my signature on it ) They were unable to provide it but I was sent a letter asking for me to send in my Drivers License so they can match the signature. I called Mid- South and talked to Mrs XXXX on XXXX. I asked Mrs XXXX if she could send me the the contract with my signature on it and she told me no that they are unable to send the original contract but insisted that I needed to send my drivers License instead. How is it that Im supposedly to be the one that owe the debt but being told basically send my Drivers License so they can match the signature. Mid-South is unable to validate the account. Why must I send in additional information? When they are the ones reporting it. I also have in an attachment the letter they sent me saying to send my Drivers License. If they want me to move that I'm me. my question is how can you say someone owe debt if thats the case. Mid -South should be able to validate without my assistants. Please validate with ORIGINAL CONTRACT with MY SIGNATURE. Also attached is my Original Letter as well asking for validation that I sent MId South.
08/03/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77450	Web	Servicemember
Hello Sir/Ma'am I am writing as concern as a service-connected veteran of XXXX XXXX. For over 9 years the VA has deducted amounts owed to services rendered by the VA Outpatient clinic from my VA XXXX compensation. I am 10 % service-connected, and never once had paid out of pocket for medicine due to it the VA taking it out of VA XXXX compensation. The VA has showed me over the course of 9 years and more that is what they do. It is disturbing on many levels that I now have a debt collector and that my credit is now going to be affected due to someone not taking {$8.00} from my compensation, now I have a balance of {$33.00} dollars. The VA always had a way to access unpaid funds from me, since that is what they have been doing for over 9 years, with the exception of that 1 time. Veterans to include myself struggle with XXXX due to things that happened in the military and to have this happen to me. It makes think that this is happening to other veterans needlessly. Especially, when the VA has an avenue to get their money, and that my service-connected XXXX is paid by the VA. it does not make sense. This should not have gotten to this point due to having methods to deduct {$8.00}.
09/17/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 729XX	Web	Servicemember
the debt was a medical debt that occured on XX/XX/XXXX XXXX. the amount was for {$67.00} cents. i did not know that i had to pay this because i thought the V.A would cover the bill that`s the reason i did not pay it. it was on XX/XX/2020 the bill was turn over to collections the collection company names mid-south adjustments com on XX/XX/2020. I called mid south co to say i wanted to pay the bill in full would they take the collection off my credit report? the person said no then i asked to speak with a supervisor with authorty to remove collection off my report. I talk with them they said no they could not remove the collection off my credit report. they could only say paid in full but not remove. I then called the office ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the bill originated from and talked to a supervisor with authorty to removed the collection also told them i would pay them directly at their office if they could removed the collection from my credit report they also said no. i told them i wanted to pay the debt in full {$67.00} cents if they could please remove it from my report. VETERANS ADMIN IS WHO I THOUGHT WAS SUPPOSE TO PAY THE BILL.
05/11/2020	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	AR 721XX	Web
On XX/XX/2020 I sent copy of my Federal Trade Commission # XXXX identity theft report to XXXX, XXXX, and XXXX via mail explaining that I've recently have become a victim of identity theft and that several accounts including XXXX XXXX, XXXX, Ar child support, Ar XXXX XXXX XXXX, and Mid-south collections were opened and or established without my knowledge or consent. Since my dispute today marks day 38 days total and I've yet to have heard or received any correspondence from XXXX, XXXX, or XXXX. I checked my credit report this morning and these same accounts still remain reporting on my credit report. I still have several addresses that are currently displaying that were requested to be removed during the same time my initial dispute was sent to XXXX, XXXX, and XXXX. Since it has bee over 30 days and I've yet to receive any nor accurate verification period, Per the Fair Credit Reporting Act ; XXXX, XXXX, and XXXX must delete all of the fraudulent accounts from my credit file and send me an updated copy after the deletions have been made. I exercising my rights per section 605b, 609, and 611. I will include a copy of my report with this complaint.
06/07/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	AR XXXXX	Web
Mid South Adjustment Company contacted my employer to verify employment, I am actually the office manager so I am the one who took the call, I let them know it was me they were speaking to. They refused to tell me what the call was regarding transferred me to a different department and continued to ask for my address and date of birth, I refused to confirm any of my personal information unless they could tell me what the call was regarding. They would not tell me anything in regards to what type of company they were or why they were calling. I than googled the phone number and came across the article stating they were a debt collecting company and there have been ongoing complaints for harassment. They have not contacted me via my own personal number ever one time, so I find it extremely un professional and violating to contact my place of employment. I would have been more than willing to discuss whatever the matter may have been however they refused to even tell me what the call was even regarding without giving personal information. It is definitely a violation and I do not want this harassment to continue.
06/04/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AR 72076	Web
I was issued a writ of garnishment of XXXX the XXXX of XXXX but my job contact me frist about it on the XXXX I contact the debt collector an ask for a validation of debt and why was this my frist time of hearing about this the agent said that I was contacted in XXXX about this debt but I dont recall the conversation are being served paperwork for said debt but in the agent records indicate that I had know about it and I requested information about debt to prove it was my debt the agent begin to be aggressive with me an refuse to provide anymore information and told me that they work for XXXX the local hospital in that town and have write them two letters of debt validation and sent the court a appeal letter and have not heard from no one and its by on the 30 day since I requested the information and according to the agent all so the debt was for a medical bill from XXXX and and that claim that sued me XXXX But didn't not inform me that the debt was pass stature of limitation and the garnishment was filled on XX/XX/XXXX but was not sent out to me XXXX XXXX XXXX of XXXX
11/08/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 145XX	Web
I was charged a pay-to-pay fee of {$12.00} by this company. A CFPB advisory opinion, published at 87 Fed. Reg. 39733 ( XX/XX/2022 ), clarifies the limits on a debt collectors ability to charge pay-to-pay or convenience fees under the Fair Debt Collection Practices Act ( FDCPA ). The advisory opinion also has important implications as to a wide array of other charges assessed by debt collectors. Pay-to-pay charges or convenience fees are added charges when a consumer makes certain types of payments by telephone or on a website. The CFPB advisory opinion explains when a debt collector assessing these charges violates FDCPA 1692f ( 1 ) ( 15 U.S.C. 1692f ( 1 ) ) that prohibits collecting any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The advisory opinions logic applies to other debt collector fees and charges. This fee violates FDCPA 1692f ( 1 ) ( 15 U.S.C. 1692f ( 1 ) ) and needs to be refunded.
03/05/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AR 720XX	Web	Servicemember
Mid-South Adjustment sent me a Demand for payment in full notice in the mail, dated XX/XX/20, indicating that this is an attempt to collect a debt, but the debt letter did not inform me the RIGHT TO NOTICE OF DEBT. The letter Mid-South Adjustment sent me did not include my right to dispute and other information required under the FDCPA. When I informed Mid-South Adjustment that they failed to include certain information required by law in the first letter they sent me, they tried to cover it up by sending me what they called the first letter they sent with the required information by law. However, Mid-South Adjustment did not realize that I still have the actual and original first and only letter they sent me, which did not include the required information by law, which shows they lied and sent a fictitious debt letter and back dated it to XX/XX/20 in an effort to cover up their mistake, stating it was the first letter they sent. A copy of the first debt letter Mid-South Adjustment sent me is uploaded and attached to this complaint for proof.
06/20/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AR 721XX	Web
Mid South Adjustment XX/XX/XXXX I received a call telling me that I needed to pay 33 % or my debt to avoid further action of debt collection. She statedy last payment was XX/XX/XXXX of {$10.00} and I asked if she realized it was still XXXX. She said yes. I needed to make a payment of that 33 % and set up a payment arrangement to avoid action. I told her she can not accept money from me and take action until she declines it and to have a nice day. The have never called me until my balance hit {$100.00}. My payments are as follows. Two accounts. Original balance XXXX - XX/XX/XXXX - {$18.00} - XX/XX/XXXX - {$18.00} = {$95.00} - XX/XX/XXXX - {$10.00} = {$85.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} = {$55.00} Original balance XXXX - XX/XX/XXXX - {$18.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} - XX/XX/XXXX - {$10.00} The company does not provide receipts, statements, or new bills. I called and asked. I was told to keep up with it until the balance was paid in full. This was XX/XX/XXXX XXXX XXXX
03/03/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AR 72204	Web	Servicemember
I recieved a letter from mid south adjustment onXX/XX/20 in regards to an alleged medical debt that they believed i owed. On XX/XX/2020 i paid {$100.00} to the original creditor, XXXX XXXX XXXX ( documentation attached ). At that time the account was pulled from collections, which is shown on attached documentation. On XX/XX/20 i paid the remaining balance of {$90.00}, with {$0.00} remaining. The letter from mid south adjustment ( document attached ) claimed that i am involved in a lawsuit for the debt. I called them on XX/XX/20 and let them know that the debt was paid and that it is illegal for them to threaten to sue me, in order to receive payment. The lady i spoke to stated that she had no knowledge of me paying the debt. I explained to her that the documentation that they sent me clearly documented me paying the debt. She put me on hold, and came back and stated that she has no record of me paying the debt, and that i also have legal fees and court cost to pay. i ended the phone call immediately.
12/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AR 722XX	Web	Servicemember
I sent validation letters to Mid South Adjustments asking for the original contract bearing my signature. I was told to send in my Drivers License so they can see if the signatures match. I refused because of Identity Theft and was afraid that they would just say that the signatures match. XXXX XXXX ended up sending the Contract. The signatures DOES NOT match. The dates does not match the lease. The lease states I moved in on the XXXX of XX/XX/2014 but Mid South Adjustments XXXX XXXX XXXX contract ) states on XXXX I submitted a new service application. so that means I would have went without water services for over a year. Also you will see in the Drivers License # section is blank. I would think that I would know my Drivers License number. Everything that Im stating will be highlighted in the attachments along with my filing of a FTC Report I ask for Mid South Adjustment to remove and delete this account from my credit profile. Immediately There are to many inaccuracies. PLEASE REMOVE
06/08/2020	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	AR 72204	Web
I recently became of victim of identity theft and had made contact with the three major consumer reporting agencies regarding this issue. For some reason accounts that have been blocked or deemed has fraud under the Fair Credit Reporting Act Section 605b are appearing on my credit report. The account is listed under a company by the name of Mid-South Adjustment Company has recently placed an Medical Account on credit report without sending any 5 day initial notice of obtaining the debt which is a Fair Debt Collection Practice Violation and in addition failed to adhere to the Health Insurance Portability Act. This debt was from the direct result of identity fraud and has been re-sold which breaks the chain of the command and constitutes yet another violation of the Fair Debt Collection Practice Act. This is a clear violation of my consumer rights and I will seek legal action if this matter is not resolved promptly.
07/26/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 720XX	Web
I made arrangements with midsouth back in XXXX to have my bill of {$360.00} paid every two weeks which I did and I paid my bill in full. I have called their offices on several occasions asking them to remove the debt since its paid in full. collections on my credit report makes it hard for me to purchase my home. I spoke with several managers XXXX and XXXX. Both stating that they have an agreement with XXXX and they are not allowed to remove a debt from a consumer 's report unless it was in error. I called XXXX and they told me that the collection agency has to be the one to remove the debt since its paid in full. I mean I think its a disgrace for debt collection agency to be so dis honorable and lie to customers. I also feel that if they are the ones to report it to the credit bureau, why can't they delete it. they can just continue to be a pain in the behind.
04/20/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AR 728XX	Web
On XX/XX/XXXX a man came to my home saying he was with the government and I owed over {$2000.00} to my doctor. I was never aware of any debt until he came to my door and threatened to seize my property and my vehicle. He made verbal threats against my credit and my property saying it could all be taken if I didnt pay this amount. I do not make enough money to cover and the doctor has not once told me I owed them money or attempted to contact me about any debt until it reached the point someone came to my house. I am XXXX I have XXXX XXXX XXXX so I was going to the doctor frequently never aware that they said my insurance wasnt being used. They racked up my bill to thousands of dollars then called me multiple times during the night and day, constantly calling me for days on end and i had no knowledge of any debt until they came to my door.
04/23/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	AR 721XX	Web
I sent a letter of to this alleged debt : 1. An explanation of what this alleged account balance is for. 2. A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct 3. Original Documentation that shows I agreed to pay this debt 4. The agreement that grants you authority to collect this alleged debt 5. A copy of your STATE LICENSE, including license number However according to 15 U.s.c. 1692 ( c ) ( a ) 15 U.S.C 1692 ( b ) ( 2 ) 15 U S.C 1692 ( b ) ( 5 ) 15 u.s.c. 1692. ( d ) ( 2 ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt
08/01/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 721XX	Web
Mid South Adjustment has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Mid South Adjustment provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Mid South Adjustment has failed to provide any original copies of verification obligating myself to this debt and only has been able to provide a screen shot of a bill. Mid South Adjustment has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
02/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72076	Web
HELLO. I PAID A COLLECTION ACCOUNT THAT WAS TURNED OVER TO MUD SOUTH ADJUSTMENT XXXX XXXX, AR XXXX PH ( XXXX ) XXXX FOR A MEDICAL BILL FROM ARKANSAS XXXX HERE IN XXXX XXXX XXXX, AR IN THE AMOUNT OF {$160.00}. IT WAS RECENTLY PAID IN FULL. THE FILE NUMBER IS XXXX ON XXXX XXXX. THIS ACCOUNT IS PAID IN FULL AND CLOSED. THERE SHOULD BE NO REASON WHY IT SHOULD'NT BE REMOVED FRO, MY CREDIT REPORT. IT ISN'T BENEFITING ME AND I AM ASKING FOR A GOOD WILL DELETION. I'VE ALREADY CONTACTED THE COLLECTION AGENCY AND THIS IS RIDICULOUS. THEY HAVE NO VALID REASON WHY THIS PAID COLLECTION CAN NOT BE REMOVED. I NEED THIS TAKEN CARE OF IMMEDIATELY.
08/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72034	Web
ok i recieved a letter from a collection company its called mid south adjustments onXX/XX/XXXXtrying to collect a XXXX medical debt from XXXX county hospital well my heath insurance paid it for some reason there trying to collect it but the insurance provider paid it after it was closed out and sent to collection agency and i called to tell them this and would not do nothing and it was on my XXXX credit report i said i going to dispute it with the credit XXXX bureas and so i did 30 days later came back verified so i could not re dispute it so here i am needing your help
06/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 94565	Web
I have previously submitted a complaint about two medical collections that are errors. My medical insurance informed me that my coverage should have covered the cost however, I was still being billed. The alleged amount owed got turned over to the collection agency " Midsouth ''. I have not received any responses in writing as requested. This is a violation as I am doing my due diligence in trying to communicate properly to resolve this matter. XXXX is the only bureau to report this error. Why can't XXXX do their due diligence like the other two bureaus.
10/01/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72113	Web
I have 2 separate items showing on my credit report from Mid South Adjustment. The first item is showing a balance of {$1000.00} and the 2nd is showing a balance of {$1600.00}. It is showing as a physical therapy institute. I have never had physical therapy. These accounts are not mine. I sent over a Debt Validation Letter to them and the attached return Receipt shows that it was received on XX/XX/2018 by someone named XXXX. They still have not sent me any of the paperwork that was requested in the validation letter and it has been over the 30 day period.
02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 71270	Web	Servicemember
Mid South Adjustments in XXXX XXXX AR put a collection account on my credit report. The account was paid in full to XXXX XXXX before MSA put it on my credit report. I want it removed and MSA investigated for putting the accounts they receive from clients on credit reports without first making contact with the person. They do this all the time. They put the account on the persons credit report as soon as they receive it. They must be stopped, this is not how it is supposed to work.
12/29/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IN 46815	Web	Servicemember
I owe the VA money for my medications. The amount is incorrect. They usually take it out of my tax check. This is the first time this has happened. I'd like to know why I wasn't given a chance to pay this before it went to collections..? It has been a bad couple of months so I can't pay this amount right now. I guess it will just have to come out of my income tax return.I 'm behind on all my bills..I 'd like some time to pay this off if possible..ty
05/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 94565	Web
Hello, these two collections accounts were deleted from my credit many months ago due to inaccuracies ( XX/XX/2020 ) but has since reappeared. I have tried to inquiry about this account but have not received any response. This account needs to be deleted permanently as I have made several attempts to resolve this issue with no one responding. I have attached a copy of my credit report of when this account was NOT reporting on my credit.
12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR XXXXX	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
05/04/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 722XX	Web
This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.
08/13/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 717XX	Web
Mid south adjustment debt of {$260.00}. Originally from XXXX XXXX XXXX XXXX. I have XXXX. I have had this insurance for several years. The hospital has my insurance and has billed them for everything Ive ever went there for. Now they have reported to my credit as I owe this. I have tried contacting them and have had no luck resolving this. I do not owe this debit. Thank you for you time, XXXX XXXX
07/15/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	AR 720XX	Web
I sent an Affidavit of Truth stating that Mid-South Adjustment CO. and the XXXX XXXX XXXX XXXX violated 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) ( A ), and 15 USC 1692e ( 3 ). I would like to state that Mid-South Adjustment CO. and The XXXX XXXX XXXX have violated my rights as a protected consumer under 15 USC 1692.
07/28/2021	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	AR 720XX	Web
I sent an Affidavit of Truth stating that Mid-South Adjustment CO. and XXXX XXXX XXXX violated 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) ( A ), and 15 USC 1692e ( 3 ). I would like to state that Mid-South Adjustment COXXXX and The XXXX XXXX XXXX have violated my rights as a protected consumer under 15 USC 1692.
06/04/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33617	Web	Servicemember
I have received a letter from this company named Mid-South Adjustment, co. This is now the third time they have sent me a letter stating they are collecting a debt I owe Veterans Affairs. I don't know how Iam being contacted? I pay the VA every month. For about a year they were sending a check to me stating I had overpaid about 2 years ago when the pandemic started.
08/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72223	Web	Servicemember
Mid-South Adjustment Co.p.inc phXXXX. Placed on my credit report a balance of XXXX and I have sent documents showing the statement showing my insurance paid and I sent copies of two checks showing i paid the balance of a total XXXX and yet they refused to take the negative mark off my credit report and I work for the government and paid my bill.
04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37601	Web	Servicemember
MID SOUTH ADJUSTMENT ACCOUNT NUMBERS : XXXX, XXXX, and XXXX. There are three accounts total with the same partial number. These are a complete violation the NO SURPRISES ACT. This is a violation of the HIPPA Laws. I never gave Mid South Adjustment a HIPPA written authorization to obtain my medical information or use them in any way.
04/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 722XX	Web
Mid-South Adjustment has inaccurate contact information on the credit bureaus for both address and telephone as required by law. They have their phone number listed as : ( XXXX ) XXXX Their address as : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX That phone number is not in service and they are not at that address.
10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72113	Web
I previously disputed account on XX/XX/20, XX/XX/20, XX/XX/20 XX/XX/20 do to inaccuracies on credit report. Contacted XXXX XXXX {$2000.00}. They offered settlement but no verification of debt. Balance that the company is reported is inaccurate. Company will not remove from report or validate debt.
10/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL XXXXX	Web	Older American, Servicemember
I am being asked to pay a " co-payment '' on a fee charged by the XXXX XXXX XXXX for medical care to which I am entitled. The co-pays for this account were waived by the XXXX XXXXXXXX XXXX in XXXX, Wisconsin. The debt when incurred was {$15.00} and is now {$32.00} as of XX/XX/2023.
05/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77583	Web	Servicemember
Notice of a collection of debt was sent to an old address. Therefore, I did not receive it right away. I tried to pay the debt but was unable to do so. The date the notice was received is XX/XX/2022. It was sent on XX/XX/2022. Reference number XXXX.
12/03/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72113	Web
I have disputed this account so many times for incorrect information. The last dispute was XX/XX/2020 and current. This is not a valid debt and ask for it to be removed. {$410.00} for XXXX XXXX XXXX XXXX. This is not my account please remove.
09/23/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75074	Web
I have become aware - through a credit reporting agency - that Mid South Adjustments out of Arkansas is trying to collect a debt, ostensibly from someone named XXXX XXXX XXXX. I don't know these people and certainly don't owe them any money.
01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72209	Web
I was trying to buy a house and I realized I have damages on my credit report according to the 15 USC 1681 law the should not be any damages on my report its a defamation to my character
02/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92831	Web	Servicemember
i received a letter in the mail from Mid-South Adjustment Co., they said I owe money to The Department Of Veteran 's Affairs. My federal tax refund went to them not me, {$200.00}.
04/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	AR 722XX	Web
Mid-South Adjustment has placed a {$0.00} collections amount on my XXXX credit score. They have inaccurate contact information for both address and telephone as required by law.
11/06/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NY 145XX	Web
I was charged a XXXX XXXX XXXX XXXX which was not disclosed to me until trying to pay the debt.
01/29/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ XXXXX	Web	Servicemember
Received notice for payment that went to collections. Didnt know I owed money.
01/31/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AR 71603	Web	Servicemember

01/31/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AR 71603	Web	Servicemember

03/28/2023	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	AR 72223	Web

03/27/2023	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	AR 71654	Web

01/06/2023	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	AR 72034	Web

01/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AR 72152	Web

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 71603	Web

12/07/2022	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	AR 72032	Web

11/08/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO 63116	Web

10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72015	Web

09/27/2022	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	AR 72076	Web

09/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AR 72110	Web

08/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AR 72034	Web

06/07/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 38941	Web

04/12/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48205	Web

04/05/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AR 72034	Web

04/01/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AR 72034	Web

03/09/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AR 72022	Web	Servicemember

02/24/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75081	Web

08/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72034	Web

07/31/2021	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72023	Web

05/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 71658	Web

05/06/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	CA 92663	Web

11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 93308	Phone	Older American

05/17/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AR 72019	Phone

03/06/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AR 72364	Web

11/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72202	Web

09/11/2018	No	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AR 71601	Referral

04/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AR 71602	Web

04/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72703	Web