Millco Management CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
02/23/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33334
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. AMERIFINANCIAL SOLUT bal. {$760.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau P.O BOX XXXX XXXX XXXX Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
09/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19132
Web
I XXXX XXXX am submitting this complaint myself and there are no third parties involved.Ameri financial Solution is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I XXXX XXXX natural person Never gave Ameri financial Solution consent to report anything to the credit reporting agencies nor do I have a contract to do business with them. Ameri financial Solution Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States, or the District of Columbia, from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; Ameri financial Solution has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; Ameri financial SolutionS is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person. Ameri financial Solution has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. Ameri financial Solution is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Ameri financial Solution has provided false information to, XXXX, & XXXX
04/19/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • XXXXX
Web
I have contacted the credit bureaus XXXX, XXXX, and XXXX several times beginning back in XX/XX/2019 to dispute these collections that continue to be reported on my credit profile. I have also contacted the companies, and NO ONE is providing the accounting requested. I do not request a statement ; which I haven't received that either. I request a full annual comprehensive accounting which shows the asset and the liability side. I need to see where all funds originated from, all funds paid, received, etc. I also have request a copy of the collateral that secures the obligation. Even though I have engaged in business previously with the original creditor ; all debts were settled. I also have never received any bills for the amounts being reported, and when I contacted the original creditors ; they have stated that their books do no reflect a debt owed for that amount. It is my understanding that these companies had 30 days to verify that the debt is accurate, and that they must provide an accounting when one has been requested. I have previously filed an Identity Theft Report with the FTC file # XXXX when the companies, and the Bureaus failed to verify the accounting, and the collateral that allegedly obligated me to this debt. The Bureaus just say the account was verified without showing how they come to this determination. I have notified the bureaus that I do no consent to E-OSCAR, or any other electronic verification, because I need physical evidence, because it will show that the debt is not mine. I am now launching an Identity Theft Complaint against the following companies, because if they can not verify ( VERTFICATION DEFINITION- '' Confirmation of correctness, truth, or authenticity, by affidavit, oath, deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. Sworn or equivalent confirmation of truth ... In accounting, the process of substantial bookkeeping entries in books of account. '' ) these accounts, then all parties are engaging in Identity Theft ( Identity theft occurs when someone uses another person 's personally identifying information, like a person 's name, Social Security number, or credit card number or other financial information, without permission, to commit fraud or other crimes. ). None of these companies have a signed contract with Me. I have authorized none of the companies to use my personal identifying information. I have even went as far as to offer a conditional acceptance and pay the alleged debt upon proof of claim that they provide the accounting documents that I know from my own accounting experience will show if a debt is truly owed. I request a FR 2046, FAS 95, FAS 140, and the original contract ( and if its a copy I need the front and back of all documents ), and all documents need to be submitted by oath, or affidavit sworn under penalty of perjury. They have no problem submitting an affidavit to secure a summary judgement when a billing statement is not paid. I require one to validate the authentication of the documents, because a copy is not an authenticated document. In fact it is a forgery. Yet, none of the companies have even made an attempt to offer any response, and my credit score is suffering because of it which has caused financial injury to my property. I suffer higher interest rates ; if I get approved at all. These accounting documents are necessary to validate my claim, because it will show a complete accounting, the actual cash flow, and the collateral that obligates the debts which are mandated upon request, or there are penalties for their refusal. I come to you now to mediate between the corporations, and the Bureaus for their lack of compliance. Unfortunately due to the pandemic I can not haul these corporation into court, because I feel that it is necessary to obtain fairness. These companies are obligated to act in good faith. When dealing with my personal identifying information/data/property, they are acting in a fiduciary position. They are administering my trust business improperly, and clearly without authorization. I now place my trust business in your hands, and trust that you will settle the matter accordingly. The companies that are misappropriating my personal identifying information, committing identity theft, not operating in good faith, and causing me and my property injury are : XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX | XXXX, MD XXXX
01/07/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32808
Web
Collection XXXX This letter is being sent to you as a follow up on my previous validation request sent to your offices. Please note as well that my prior correspondence was signed for by your offices, so I know that you are in receipt thereof. You have failed to comply with my prior request, and as such are in violation of Title 15 U.S.C. 1692g, which requires you to, '' cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) of this section unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. '' I am also demanding validation of the following data DATE OPENED XX/XX/2019 this is not the date of the incident. They are in violation of the FCRA, and FDCPA. I have attached the case US VS NCO, they are violating this specific part of the FCRA, and FDCPA! Amount Owed {$460.00} : This company is a XXXX debt buyer, there is no proof under FDCPA, and FCRA that the amount owed to them is the amount they bought it for! Date of last activity : XX/XX/2019 there has been NO activity on this account to reset the clock, and this information is incorrect. License to collect : this collection XXXX company is not licensed to collect in the state of FL. They refused to validate the account in violation of FDCPA, and FCRA In light of your failure to provide any response to my prior letter, you should accept this letter as my demand that you provide me with competent evidence that I have any legal obligation to pay you. Additionally, you should also take note that if you have reported inaccurate information to any of the three major credit bureaus ( XXXX, XXXX or XXXX ) such reporting may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate to commence legal action. Notwithstanding the above, if you provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel regarding commencement of appropriate legal action. Improper activities by you may include listing any information to a credit reporting repository that is inaccurate or not capable of being validated. If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It would be advisable that you and your client assure that your records so I am not forced to take legal action. I HAVE OBTAINED LEGAL COUNCIL REGARDING THIS MATTER! XXXX XXXX XXXX - Division of XXXX XXXX XXXX. IF YOU FAIL TO COMPLY, WE WILL BE FILING SUIT AGAINST YOU FOR VIOLATION OF THE FCRA
12/19/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 34787
Web
Validation of a Debt Request Pursuant to XXXX XXXX XXXX. BE ADVISED, I am sending this notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I also want to point out that your offices have reported invalidated information to the XXXX major credit consumer agencies ( XXXX, XXXX or XXXX ) this action constitutes fraud under both Federal and State Laws. Due to this fact, I am requesting that XXXX any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per XXXX ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Sincerely, Your Name The Following information is required. Please fill out the form below in its entirety. XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? ____ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? o Yes o No Have any Judgements been obtained by any creditor regarding this account? o Yes o No Please provide me the name and address of the bonding agent for COLLECTION COMPANY NAME, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 calendar days for processing after I receive this information. Thank You.
03/17/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30071
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX AMERIFINANCIAL SOLUTIO /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX ( XXXX ) XXXX RE : Collection account XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX.
07/18/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70363
Web
To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
10/02/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34772
Web Servicemember
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I have no idea what happened besides being these collection companies and not just one or for the same amounts serveral are being reported as late and its referenced on my credit report. I have called a few asking for all the details information never received documentation. I have tried to dispute these collections inquiries on my credit reports with XXXX and now as of today XXXX then was able to file with you guys. These collections are not valid. Please help me get this resolved. Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1200.00} Amount {$1200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency AMERIFINANCIAL SOLUTIONS Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Amount Owed {$580.00} Amount {$580.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact AMERIFINANCIAL SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency AMERIFINANCIAL SOLUTIONS Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1400.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact AMERIFINANCIAL SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX
01/21/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30039
Web
After reviewing my credit profile. I identified this inaccurate fraudulent account under Amerifinancial Solutions - original creditor : XXXX XXXXXXXX XXXX XXXXXXXX. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed and therefore a 2nd validation letter was sent out on this day, After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. At this time, I will also inform you that your offices have reported invalidated information to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both Federal and State laws. Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character. 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 . Account name : Amerifinancial Solutions - 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
09/29/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • XXXXX
Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance AMERIFINANCIAL SOLUTIONS Last reported XX/XX/XXXX {$620.00} Open balance I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
05/03/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32818
Web
AmeriFinancial Solution is as fraudulent as they get. This company has been harassing me for years about hospital bills they claim I owe. Every time you write them for more information or to Validate the debt Nothing but computer generated letters from their company. All the bills that was place on my credit report over the years I had to fight to understand how can you owe what they say because the bill is not a legit bill from the hospital with what services you were rendered or paying for. I have a primary Insurance & a secondary thru the state so when I started receiving bills from AmeriFinancial I taught it was a scam until it showed up on my credit report. Took me over a year to get them off of my credit because the bureau work with these companies to make money & they do that by keeping negative items on your credit. I recently got a bill from a different collection agency trying to collect on XXXX old hospitals bills. I contact my insurance company to find out whats going on & they said we have no claims that came in and is unpaid. Wrote back to XXXX XXXX XXXX requesting more information. They wrote me back that they bought all the debt from AmeriFinancial solutions & they did not have any of the information I was requesting about the debt so they are returning them to their client. That was in XXXX XXXX On XXXX XXXX I got a letter from AmeriFinancial Solution, LLC with all the same bills that another company is collecting on. I taught how is two different companies collecting on the same old debt at the same time. AmeriFinancial Solution thinking they are smart added all the bills together & turn it into one bill. Still not saying how they came up with the amount owed because they have been just putting what they want on paperworks with no proof or validation. In the paperworks they are saying I paid {$820.00} But have a balance of {$99.00} so where did the balance come from? They cant say or validate. But they sold all the debt to another company Totaling {$940.00} this company is so shady selling the debts & still collecting on it & the credit bureau will just add it to your credit with no validation. I have enough paper trail to sue this company with all its misinformation & lies I have been dealing with them for years. A new on just piped up for {$99.00} that I already had removed because they couldnt verify/Validate so they waited about 6 months & reported it to all 3 credit bureaus with a different amount of {$99.00}. They have written me with so many different account I know they are making up the amount & making changes to make it look like a new debt.
11/05/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • XXXXX
Web Servicemember
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order AMERIFINACIAL SOLUTIONS to make recompense and pay redress and compensation for their trespass against me. AMERIFINACIAL SOLUTIONS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
01/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32835
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/22/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27577
Web Servicemember
COMPLAINT BASIS : I am having severe issues with a Collection Company that has been attempting to collect on a debt that I am NOT LEGALLY RESPONSIBLE for paying. It may have even already been paid by the Responsible Party involved. My name should NOT be involved regardless. The Collection Company involved has been repeatedly notified via multiple Credit Reporting Disputes of this situation & refuses to correct it. Now, on a least one of my Credit Reports they have RETALIATED against me for filing a Fraud Dispute against them, by then literally DUPLICATING a Collection originally posted under a different Collection Company name ( which they may even own ) under their OWN NAME as an Additional Collection Account with literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically changing just the filing date numerals to DEFEAT the Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this. This Company believes it can violate Federal and/or State Regulations at will, & attempt to retaliate/ intimidate consumers trying to get them to comply. Therefore, I am filing a Federal Complaint against the Company involved, to make your Agency aware of their improper, threatening tactics, in order for ALL appropriate corrective actions to be enacted against them, so that ALL consumers are protected from them. I reserve the right to also file State level action/s with the Attorney Generals Office as well. BACKGROUND : I suffered a severe fall with permanently disabling injuries ( including an amputation ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective step, No Warning Signs, & no lighting. The XXXX involved & their Insurance Company were LEGALLY RESPONSIBLE for paying ALL my Medical Bills from the Incident as part of their Settlement to Avoid Lawsuit. All the Bills were Submitted to the XXXX & its Insurer, by my Attorney, including the Bill/s in question. Bills were clearly paid by the Insurer. Why these were not credited paid or attached to me since I am NOT THE LEGALLY RESPONSIBLE PARTY is clearly incorrect. DOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth of this Letter.
01/05/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • XXXXX
Web
ATTENTION DISPUTE DEAPRTMENT AMERIFINANCIAL SOLUTIONS Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) af ter the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be con strued to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIONS Reported : XX/XX/2019 - {$1400.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
10/13/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KY
  • 425XX
Web
Amerifinancial Solutions has a claim from an XXXX physician at XXXX dated on XXXX for the amount of XXXX I initially set up a payment plan when I got this notice but when I spoke with a representative from XXXX they reported there was XXXX balance for the XXXX visit and the XXXX phsician visit. I stopped paying the {$50.00} monthly. I have disputed this claim 3 times to get information, thinking it was fraudulent or it was with another medical facility. I spoke again with Amerifinancial Soultions and they reported the claim was with XXXX XXXX physician. The date of service was on XXXX. I reached out to my insurance which is XXXX XXXX and XXXX. I spoke with XXXX on XXXX from XXXX at the following numberXXXX. XXXX reported that the XXXX doctor visit at XXXX was processed for XXXX and paid. My remaining balance was {$23.00}. I have reached out to the XXXX Physicians that was contracted with XXXX at this time multiple time and have not received a call back to get possible assistance with this matter. XXXX XXXX XXXX was the contracting XXXX physican agency with XXXX at this time. I did receive service from this XXXX physician. My insurance can provide the information that the claim was paid. I have contacted XXXX at this company XXXX to be transferred and XXXX XXXX by leaving multiple messages. I am reporting this to get this removed from my credit report because it is unfairly being reported as a negative report when the claim has been paid and my insurance can prove they paid it. XXXX has the information to prove it. I give permission for someone to call to do a 3-way call with my insurance to validate this information from XXXX. I need assistance with someone to reach out to Amerifinancial solutions to solve this claim. As you know these credit agencies are in the business to claim a debit not to solve a problem. I have not been successful in getting information in the past. I have spoke with XXXX at XXXX regarding this matter at XXXX and she said she would be glad to help in anyway she could. Please reach out to me to get this problem solved. I need your assistance. I need this removed from my credit report as I am trying to borrow money for my son 's college needs. Thank-you for your time and assistance. Please feel free to call me anytime at XXXX. You may even call my work at XXXX XXXX XXXX XXXX.
09/18/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 330XX
Web
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
03/31/2022 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33312
Web
XXXX, XXXXXXXX XXXX XXXX # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX AMERIFINANCIAL SOLUTIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District oXXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
10/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • XXXXX
Web
I have made disputes to XXXX to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation from the collection agencies and made multiple disputes with XXXX, including an XX/XX/XXXX dispute through the CFPB about XXXX not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the XXXX XX/XX/XXXX dispute investigation. XXXX confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher. Sadly, they responded to XXXX by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem to have indicated that nothing else matters, including the privacy of my medical information.
03/31/2022 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33312
Web
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
02/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 326XX
Web Servicemember
TODAYS DATEXXXX AMERIFINANCIAL SOLUTIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
11/10/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27560
Web
The company AMERIFINANCIAL SOLUTIONS has been reporting a debt on my file with the XXXX credit bureaus. I reached out to them XXXX via letters sent via certified mail asking for verification of said debt. The XXXX letter was sent around XX/XX/2021. After not hearing a response back to my first letter, I sent a XXXX " Final Attempt '' letter on XX/XX/2021. After not hearing back from that final letter after XXXX days from XX/XX/XXXX, I decided to call them on XX/XX/2021. It is my understanding that when a consumer makes a request for verification, the creditor has XXXX days to respond. In each instance, I never received response from creditor. During my call on XX/XX/2021 the creditor admitted to having received my correspondence letters and stated that they sent letters back to me each time. I have not received a single letter and asked how they can verify that they sent said letters because I can see XXXX letter not getting to me due to carrier mishandling but both letters, that's highly unlikely. When asked if they sent the letters via Certified Mail as I did ( which shows that I can prove I mailed the letters and they in turn received them ) they responded that they did not and nor did they have to. I let them know that they then have no way to prove that they sent me a letter all they can do is state that they sent the letters. I finally asked them to provide the contract signed by me showing my signature and clearly verifying that said debt belongs to me and they told me that they did not have to provide signature ... that all they needed to do was show the name of the original debt collector and the amount. I told them they are in violations of The federal Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. I concluded the call by letting them know I would be contacting the XXXX as well as the state attorney general to mount a complaint and they told me to go ahead and that when I do so, they will be able to provide the XXXX with a signed contract with the original creditor signed by me. Also I have reached out to all the credit bureaus multiple times regarding this and each correspondence states that the debt has been verified buy creditor yet I have not seen any verification documents.
11/13/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 24073
Web
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
04/29/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33319
Web
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my wet signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. All accounts in dispute listed below : AMERIFINANCIAL SOLUTIONS ACCOUNT # XXXX {$100.00}, {$140.00}, {$100.00}, {$120.00} Best Regards, XXXX XXXX
01/07/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 354XX
Web
Dear CFPB, I have XXXX XXXX XXXX XXXX XXXX, so I have a XXXX XXXX and XXXX office I visit to keep on top of it and in good health ( XXXX XXXX XXXX. ) After visiting the XXXX office multiple times with no issue, I get a bill for {$1700.00} dollars for a test I did not receive. The procedure is called a XXXX XXXX XXXX. I called the office to remedy the problem and woman staff member tells me that this happens from time to time, they will take care of it and not to worry. A month goes by and I receive another bill. I call the office again and remind them of the issue and they tell me once again that it will be taken care of. Another month goes by and I receive another bill. I had an appointment scheduled in 3 days, so I decided to speak with them face to face. I have my regular check up and on my way out I speak to the front desk staff and they tell me that they are very busy and that they can give her a message and remind her of the situation. I left the office and went to work. A few weeks later I get another bill. I make another phone call and now that the account is over 90 days delinquent they proceed to tell me that they will not see me again until the account is paid up. I tell them that this is a mistake again and what the other girls told me and she tells me they will look into it. At this point I don't believe her and am fed up, so I decide to seek a new XXXX. The bills stopped coming for a couple months and I think that the mistake has been fixed. Great right! Nope, that's just how long it took to be turned over to a collections agency ( XXXX XXXX XXXX ) and the phone calls to start rolling in. In response to all this I decide to use XXXX XXXX to dispute the inaccuracy and have multiple times, I added a consumer statement to my credit report and now I am filing a CFPB complaint. I just don't know what else to do. The mistake happened so long ago, no one remembers me on the phone and if it is investigated, because the mistake was made by the XXXX office, it is in my file that I owe this money. I do not owe this money, I did not receive a XXXX XXXX XXXX and I am not going to pay for something I did not receive. Please help .... Respectfully, XXXX
03/23/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 35020
Web
In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting accounts that are a direct result of the XXXX Security Breach, which makes your company just as responsible for damaging my credit and mental health. Your organization has failed to provide me proper legal documentation as stated in the Fair Credit Reporting Act which I have requested on, this is my second attempt for removal. The information you should have provided me should have included the following : An explanation of what each alleged account balance is for. A calculation of this balance, including the complete payment history for each account. Documentation for each account showing proof that I agreed to pay this debt. An Agreement for each account that grants the company the authority to collect debt. An updated copy of the state license for each company, including the license number. I would like to also mention I have kept all legal documentation such as verification of previous letters I have sent you, proof that the following accounts do not belong to me, proof that XXXX breached my data, as well as doctor letter from my doctor stating that this situation has caused me a great deal of stress. Your company is currently reporting fraudulent accounts to my credit file, remove these accounts from my credit file. Fraudulent Account for {$85.00} Fraudulent Account for {$100.00} Fraudulent Account for {$100.00} Fraudulent Account for {$59.00} Fraudulent Account for {$140.00} Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Please contact XXXX, XXXX, and XXXX and have them to remove these incorrect accounts from my credit report.
04/02/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 19144
Web
ATTENTION DISPUTE DEPARTMENT AMERIFINANCIAL SOLUTIONS Reported : XX/XX/XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX
04/01/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • XXXXX
Web
Requested Debt Validation on XX/XX/2020, from Ameri Financial Sol, which I requested a list of extensive documentation that gave the company the legal right to inquiry about this debt and place this so called debt on my credit report. Listed below and document attached below I've requested the follow : " Please attach a copy of the agreement with your client that grants Ameri financial Solution the authority to collect this alleged debt. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Please attach copies of all statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for Ameri financial Solution, in case legal action becomes necessary : You must return this completed form along with copies of all requestedinformation, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the FDCPA. Please allow 30 days for processing after I receive this information back. '' Ameri Financial has failed to provide the necessary legal paperwork to prove that I am legally liable for the debt they are claiming I owe. Providing a billing statement does not legally give a collection agency the legal right to pursue collection. By federal law they must show proof that the consumer is legally responsible for the debt.
11/16/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TX
  • 77095
Web
Amerifinancial called me about a {$40.00} debt less than a week ago. They said it was for a doctors visit. I called the doctors office billing department, spoke to a man who reviewed the date of charges, and the doctors billing contact agreed i should not owe for that visit for blood results and it was billed incorrectly. He told me he was going to look into it, and will hold off on having it reported to my credit ( i specifically asked him to please review it ASAP so it doesnt go on my credit ) and he told me " not to worry about it, it wont go on your credit report ''. Well, Amerifinancial reported it to my credit on XX/XX/XXXX, not even a week later. I called them today and told them it isnt even confirmed as being owed yet... and that the doctors office billing representative informed me that he was looking into it and putting it on hold. The guy on the phone got agitated and started raising his voice at me after i explained to him that this is not even a confirmed debt and i am entitled to at least 30 days to confirm this / work this out with the doctors office. He also tried to make up every excuse in the book as to why they are allowed to destroy my credit on an unconfirmed debt. I am also in texas, which is a one party consent state. I told him at the very beginning of the conversation that i record all of my calls because of bad behavior by other debt collectors in the past. He got really upset and said he doesnt consent to being recorded, and then hung up on me. I called them back and the next representative hung up on me. This debt is not even verified yet and they are reporting it to my credit. I said up front, if i owe it, i will pay it. The first time they contacted me by phone was last week. They claim to have sent out a letter without tracking or verification, but i never received anything. The account is from XXXX, but i was just made aware of it less than a week ago. The doctors office isnt even done looking into it.
07/17/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • XXXXX
Web
I contacted Amerifinancial Solutions via. phone call XXXX. Upon answering they demanded for my social security number which I gave them, along with my name. I talked to an agent named XXXX. I confirmed with him that the total debt of XXXX was correct and I would be willing to pay it. I asked if when I pay it that he would clear it from my credit history, he said yes. I asked if he could send that to me in writing he said they dont give anything written and that my assurance was on the recorded phone call. This did not sit well with me, so I said I will call them back later. After thinking about it, I figured I could see if I could record on my end, the conversation as my evidence of our agreement. I called the Collector a second time, this time the agent was XXXX. XXXX said that Maryland is a two party consent State and that he did not consent to me recording. I found this odd, since their automated system stated the phone call XXXX be recorded. I ceased the call at that point. I called a third time to try to get the Company Address to make a lump sum payment and got a PO Box address. I started to feel further uneasy about this Company and researched them. I found that on XXXX about their horrid business practice. Also furthered by more negative comments on XXXX ( which Ive also filed a complaint ). I would wish to remove this debt from my credit history. Im willing to pay its full amount of XXXX however based on my research on this companys practice and my current interaction with them. I have no faith in them that my full payment would be properly applied to my debt and not removed from my credit history ( or at least, shown as Fully Paid Off ). I need help resolving this. I need a written statement on the Companys agreement with me and confidence that my full payment will be acknowledged and reflected in my credit history ( with the 3 Credit Bureaus, XXXX, XXXX, and XXXX, if applicable ).
09/15/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30080
Web
On XX/XX/XXXX I received a notice on my credit report that a collection had posted to my account. Very aware of my credit this was an immediate error in my mind. The debt appeared to be from XX/XX/XXXX, original creditor being an XXXX XXXX. The phone number of the credit collector was a bit cryptic - During business hours there's never a live person answering, the phone actually didn't ring, leading you to believe you may have dialed an incorrect number but seconds after you're looking at the phone to double-check the phone number you called, a broken up voicemail comes on giving you an option to only leave your name and number. ( no options to speak to someone ). I left a voicemail and asked for them to send notice of the debt in writing - I did not receive nor did I receive a call back. XX/XX/XXXX I filed a dispute through Experian. XX/XX/XXXX, I received a dispute notice that the creditor has validate a debt owed and the collection will remain on my account. I have never received any notice of this debt - yet I can't get the creditor on the phone. This is unfair to my rights. My credit score dropped 40 points with the add of a collections I can't properly dispute because I haven't seen a bill ( not from the original creditor or the collections ) My complaint is XXXX XXXX as listed on my credit report is operating under unfair practices. My rights have been violated when they placed a collections on my report damaging my credit worthiness yet they can't dignify me with an end to end conversation to give me information I need to protect my rights and my credit history. I will now go on a journey of trying to contact a company with an amateur 's business stature ( hiding behind a a voicemail system and XXXX XXXX ) while they make unfounded accusations that damage my credit worthiness until this dispute is resolved. XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
12/30/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 02909
Web
I received an account statement from XXXX XXXX XXXX of XXXX, XXXX dated XX/XX/XXXX indicating I owed them US {$1100.00} for ER services received on XX/XX/XXXX. I called them on XX/XX/XXXX and told them I am not the person who received the services because I moved out from XXXX County on XX/XX/XXXX and that in XXXX I was already living in Rhode Island. They asked me for my DOB and confirmed that it is different than their patient 's. Later on XX/XX/XXXX I received a letter from the law offices of XXXX XXXX XXXX XXXX XXXX saying I owed US {$1100.00}. to XXXX XXXX XXXX XXXX XXXX and in XX/XX/XXXX I received another letter from the same people asking me to pay {$2300.00} to the same medical facility. I called the law firm on XX/XX/XXXX letting them know I am not the person who received medical services. They asked for the last 4 digits of my SS # and said they were going to relate it with the one of the person who received medical services, to make sure I am not her. I called again on XX/XX/XXXX telling them the same, I never received services in that medical facility. This time they said they were going to remove my name from they mailing list. I think they did, because I have not received more letters from them, but it looks like XXXX XXXX XXXX XXXX XXXX sent the account to another collection agency, Amerifinancial Solution. An alert from my credit card made me aware that something is damaging my credit. I called and they told me what's going on. According to XXXX the debt showing are two accounts, one for US {$620.00}. and another for US {$84.00} from the same medical facility. I don't understand if since the first letter I contacted them and apparently it was clear that I did not received services. Looks like this person lived in the same trailer park I lived 20 years ago, is using the same name I used at that time, but I am not her.
06/30/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MA
  • 010XX
Web
XXXX XXXX continues to call me and report me to credit bureaus even though I have sent them documentation 3 times showing that my insurance paid for this debt. All three times, they have removed the debt from my credit report, just to put it back on 6 months later. Are they scammers? Is their system broken? I 've seen a lot of similar complaints on several websites, including the Better Business Bureau.

This is the full explanation of what happened : On XXXX/XXXX/XXXX, I went to the emergency room, and left with a charge of {$620.00}, which my insurance took care of, and proceeded to send me the explanation of benefits ( EOB ) received and signed by the emergency room financial services.

A year later, I began receiving bills from XXXX XXXX requesting that I pay for this debt. I told them the charge was paid for by my insurance company, and they requested proof of payment, so I proceeded to fax them the EOB my insurance company had given me ( see attached documents ). When they received the fax, XXXX XXXX proceeded to tell me that everything was fine. A month later, I saw a collections notice in my credit reports, so I called XXXX XXXX back and repeated the same process with faxing the documents, except this time I called XXXX and XXXX to dispute the debt as well, and they removed the collections notice from my credit reports.

A year later, I saw the collections notice back on my report, and I repeated the process mentioned above, except this time I threatened XXXX XXXX to report them with the CFPB, the FTC and the BBB if it happened again. Needless to say, it happened again. Yesterday I saw their collections notice back on my credit report and I proceeded to report them because what they are doing is not right. I sincerely hope this has to do with an error in their system and not with dishonest business practices on their part.

05/14/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19150
Web
This is in response to an unfamiliar listing on my credit report. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to the credit bureaus and this action constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a lawyer to file suit This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
11/01/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NC
  • 27616
Web
I, XXXX XXXX XXXX recently reviewed my XXXX credit report after receiving a notification of a new account on XXXX, XXXX and immediately noticed a company called Amerifinancial Solutions LLC since changed name from XXXX which I did not recognize, give consent or any authorization. I also noticed on my credit report this line item : Loan Type : Collection Agency/Attorney. I immediately felt like I was under arrest and experienced feelings of distress and harassment. Next, I reached out to the company to validate the alleged amount owed, advised to cease and desist all collection activities until proof of validation, any contract or business associate agreement with original creditor, license to do business in my state and all account details of the transaction or alleged services received via certified mail delivered on XX/XX/. I also asked Amerifinancial Solutions LLC to confirm how they received my information. On XX/XX/XXXX I only received a letter from Amerifinancial Solutions LLC which stated XXXX XXXX XXXX, PA was their client and had provided a itemized statement. Amerifinancial Solutions LLC misrepresented a fictious client relationship and created a deception that XXXX XXXX XXXX PA is their client when in fact this alleged amount is not being pursued by the original creditor. Further, listing tradeline as an Attorney ( loan type ) when in fact there is no intent to pursue legally and creating further deception and representation. Other inaccuracies are present on my credit report as well. Further, Amerifinancial Solutions LLC did not confirm any HIPAA business associate agreement involving XXXX. Somehow they have falsely received detailed information about my health and medical history. Which I consider as identity theft, misrepresentation, deceptive and outright violations of the US code.
08/21/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 191XX
Web
I recently noticed an account listed on my credit report by a company XXXX XXXX for the amount of {$680.00} for service in 2015. There are several issues with this account, the first being that I was unaware of the account, and secondly the amount of the account did not make any sense as the bill clearly did not take into account health insurance. At the time that the service was to have taken place in 2015 ( I am unsure of the exact date as I have no correspondence with the company ), I was covered under the military XXXX XXXX plan as a dependent ( military spouse ). This is why this is completely confusing regarding the amount sought. Also, the account was not on my credit report prior, it was only listed recently and no correspondence was sent to me. This company is attempting to make me pay a medical bill in full as if I did not have medical coverage, but I did in fact have medical coverage. I have tried to contact the company with the number listed on my credit report, but every day the company is closed and only have a voicemail for customers to leave messages on. There is no company hours listed on their website, which conveniently only has the option to make payments. This company has two numbers listed on XXXX, but neither one works. I am confused and frustrated and trying to resolve an issue but I can not seem to get in contact with the party in question to do so. I am not trying to get out of paying the debt if it was for my service, I am simply asking for it to be the correct amount that it should and not my being charged as someone without insurance as I am not. This company has history of incorrectly billing people who have insurance and I do not want to be added to the long list of unhappy consumers. Check XXXX for proof of that.
10/17/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 356XX
Web Servicemember
I have two account that are in collections from Amerifinancial solutions that are representing XXXX XXXX XXXX XXXX. The first amount is {$600.00} that was reported on XX/XX/XXXX the second account through them is in the amount of {$890.00} and was reported on XX/XX/XXXX. These collection amounts were from when I had XXXX XXXX of Alabama and the provider did not bill them through XXXX as my secondary insurance for some reason. I have reached out to XXXX and they told me because it has been longer than 12 months since the service was provided they can not do anything and it would be between me and the provider. I have spoke to the billing department at the hospital and have been told it would have to go through XXXX. They are claiming they did not know I had XXXX XXXX during my services but I know they did and I had several visits to the labor and delivery department that were billed correctly through my insurances. I should not be responsible for my medical bills because the provider did not bill them correctly. It was their mistake and if they would have done it correctly I would not have any amounts owed. I also have four accounts that are open through XXXX XXXX XXXX XXXX that are in regards to the same issue representing XXXX Alabama XXXX XXXX The first one is in the amount of {$120.00} opened on XX/XX/XXXX The second XXXX is in the amount of {$410.00} opened XX/XX/XXXX The third one is in the amount of {$150.00} opened XX/XX/XXXX The fourth one is in the amount of {$590.00} opened XX/XX/XXXX The dates of service in regards to these visits were as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX I had XXXX XXXX from XX/XX/XXXX until I delivered in XX/XX/XXXX and then again XX/XX/XXXX until I delivered in XXXX of XXXX
11/05/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34476
Web
I do not have a signed contract nor any contract with Amerifinancial Solutions. I have never done business with this company. I am not liable for collection from this debt from Amerifinancial Solutions. I am not responsible for this debt with Amerifinancial Solutions. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
08/27/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27526
Web Servicemember
Amerifinancial Solutions ( Original Creditor WakeMed Physicians ) I've tried to call XXXX XXXX XXXX for the first year I received the debt. They billed it incorrectly despite me telling them at the hospital that XXXX XXXX XXXX XXXX was my primary insurance. Instead they billed Medicare has primary instead of secondary. I attempted to call numerous times to resolve but could never get through. Once I found it on my credit, I called Amerifinancial 3 times, each hold time was over 23 minutes. They said they would resubmit to XXXX XXXX but its still on my credit. Finally I tried to dispute it with XXXX, XXXX and XXXX providing a copy of both insurance cards to prove that I don't owe the debt, that I have insurance that covers it 100 %, that I attempted to resolve with the original creditor and collection agency and for them take it off my credit. XXXX stated that the dispute was resolve within 2 days and that I owe the debt. Not sure how they were able to verify and come to this conclusion with the insurance cards in that short amount of time. They didn't even have time to send to the creditor to submit correctly to the insurance company. I have a XXXX XXXX XXXX with XXXX XXXX XXXX. It is very hard for me to keep calling and sending messages for a debt that I don't owe. This has been going on for over a year and a half. All they have to do is submit the bill to the insurance company and they will pay. I've already contacted both insurance companies and they were the ones who stated that XXXX XXXX submitted incorrectly and that's why they rejected the claim.
03/04/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32818
Web
I am filing this complaint because I noticed Amerifinancial Solutions had placed a debt for {$1500.00} on my credit report on XX/XX/XXXX. I reached out to emergency physician of XXXX XXXX and have on a recording call that this bill should NOT be on my credit report which I can also provide the recorded call to all parties. I also reached out to Amerifinancial Solutions asking to verify that this debt is indeed mine and also for a copy for HIPPA authorization due to the alleged debt account being a medical account. Amerifinancial Solutions sent a bill which is not sufficed validation. Amerifinancial Solutions also did not provide a copy for HIPPA authorization for the alleged medical account. Under the health insurance portability and accountability Act of 1996 ( HIPAA ). I reserve the rights to protect the privacy of my personal information and medical records from all third-party reporting agencies. I am not liable for this debt with AmeriFinancial Solutions and do not have a contract with them. They did not provide me with the any documents or signatures like I requested but a bill which is not sufficed validation. This debt was not properly validated and should not be on my credit at all. I demand that this false bill be removed from my credit report and again I can provide the recorded call from emergency physician of central fl to all parties. You are reporting false information to the credit bureaus! I have also had Medicaid around the time the alleged debt occurred, Fl Medicaid covers EVERYTHING! This debt indeed is not mine! Account XXXX
05/04/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33060
Web
The company did not give me time to responds to their response on complaint number XXXX before they closed the complaint because they know that they are lying. The company state account XXXX was identified, and the account was validated and sent documents from investigation for provider on XXXX and consumer sent correspondence that was received on XXXX account will not be removed from reporting. I would like to know who was identified and who receive the corresponding letter, I am asking this company to provide signature proof that this account belongs to me, and now they lying saying it was identified on XX/XX/2020, and which I never receive any response from this company, the hospital they put, I called they said they don't know anything about that. I need signature proof. Don't come lie and act like you guys contacted me and it was identify as me please send me the signature of the person who identified this, or my next step is suing this company since they can not provide any proof. I never went to that hospital and for as long as I can remember I always have insurance. And That make me mad cause they are lying. And as a XXXX I would not have disputed an items many times if it was mine, I seriously don't like liars. Cause I for XXXX not XXXX. I spent many years not checking my credit and not knowing what has been going on. Now I'm checking everyday. Amerifinancial just want to ruin me, and I like to know why please, cause no one in the right mind will dispute a debts as many time I did if it belongs to them. This debt not mine.
12/15/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 71202
Web
This is my formal complaint against Amerifinancial & XXXX. They both have continued to report an account on my credit report that has not been verified. I have sent a certified letter to Amerifinancial requesting debt validation per my right under the Federal Debt Collection Act ( see attached document ). As of today, I have yet to receive any documents or information from this debt collector. Due to the inability to verify this account with the debt collector, Amerifinancial, I invoked my right under the Federal Credit Reporting Act and disputed this account to XXXX. XXXX has continued to report this account although, Amerifinancial, did not follow the law. If this debt is valid, why is it that I can not get it verified as I should. XXXX and XXXX have stopped reporting this account, yet for some strange reason, XXXX has continued to report it. The LAW is clear and straightforward, and I feel as if XXXX & Amerifinancial is using this pandemic as a means to break it and violate my rights. Additionally, I went to the XXXX website on XX/XX/2020 to determine if " a description stating the account was in dispute '' had been updated/added to the account, because I have continued to dispute it, as of today it's still showing with not dispute comments and/or marks ( see attached document ). As you may know, small business owners are suffering during this time and it's imperative that my credit reports are reporting accurately so I can obtain the business funding needed to sustain myself during these hard times.
04/08/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35160
Web
Amerifinancial solutions have committed several federal violations against me, a Private law abiding Federally Protected Consumer.The attachment show they created me a false account number, false open date, and false amount owed, false reporting collecting on behalf of another collection company and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Amerifinancial solutions. Amerifinancial solutions does not have a certificate of Authority to do business in Alabama. Amerifinancial solutions have not sent me a dunning letter but they have put a fraudulent account on my credit report.Amerifinancial solutions do not have the authority to collect any money from me.Amerifinancial solutions is guilty of racketeering, forgery, and obstruction of justice.Amerifinancial solutions is in violation of the FDCPA and FCRA Violation of XXXX XXXX XXXX ( XXXX ) ; Attacking my reputation, accusing me of owing an alleged debt to Amerifinancial solutions, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Amerifinancial solutions. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company XXXX of fdcpa.Acccording to the FDCPA XXXX I am owed money for all violations
12/28/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WV
  • 24740
Web Servicemember
In XX/XX/XXXX, I was notified of a {$900.00} unpaid balance of medical collections. I immediately contacted the provider, as it should have been covered by insurance. They informed me that they had billed the insurance wrong, and would reprocess the claim. It was then approved through XXXX and a check was sent to me directly for {$700.00} to pay the collection agency, with a remaining balance of {$200.00} to be paid by my secondary insurance, XXXX. I believed the bill to be paid and never received any further notice. In XXXX of XXXX, I reviewed my credit file and saw the collections account was still there with a {$200.00} balance. I contacted AmeriFinancial Solutions LLC and they directed me to the provider, XXXX XXXX XXXX or XXXX West Virginia. I then contacted them and they told me that they never did bill XXXX and refused to bill for the amount since the hospital had been taken over by new owners. I immediately paid off the remaining balance, even though it should have been covered. I again contact AmeriFinancial Solutions LLC to remove the debt on my credit report and they refused. This should not be affecting me, as it was a business error by the provider, who made errors in billing. When I finally found out the issue, I immediately paid off the balance. Additionally, in the lapse of two years, they never once attempted to contact me to resolve the issue. Please help me in getting this debt collection removed from my XXXX, XXXX, and XXXX credit reports.
10/21/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 328XX
Web
I am writing to bring to your attention a critical issue regarding a debt that is currently being pursued by Amerifinancial Solutions. I dispute the validity of this debt based on the fact that, at the time of the service in question, I was a member covered by XXXX XXXX XXXX. Furthermore, I not only contest the amount claimed, but also the existence of any outstanding balance. This dispute arises from the inaccurate reporting of my insurance coverage, which has had severe consequences on my credit history. This detrimental impact is now hindering my ability to seek necessary medical treatment and is impeding my efforts to purchase a home.I have already communicated with XXXX XXXX of Florida, informing them of this situation and providing evidence of my insurance coverage during the specified period. They are aware of the inaccuracies in reporting and are collaborating with me to rectify this matter. Additionally, I dispute that I owe the amount stated on the invoices in question.I implore you to conduct a comprehensive investigation into this issue, removing any accounts associated with my name, XXXX XXXX, under the following account numbers : Account # : XXXX, Account # : XXXX, Account # : XXXX. The resolution of this matter is of utmost urgency, and I trust that you will treat it as such. I request that you promptly confirm the removal of these accounts and provide written acknowledgment of their resolution.
06/03/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07631
Web
On XX/XX/2020 I mailed off a " Request for VALIDATION, NOT Verification '' letter to " AmeriFinancialSolutions LLC ( AFS ). '' The company received my letter on XX/XX/2020 and someone from the company signed for it. Withing my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. After 30 days I received a response back from AFS and they provided me with an itemized statement. They didn't provide me with what I requested in my letter so I can verify the debt. I mailed another letter asking for my proof and I haven't received no response and I'm asking for a request validation of the debt thee say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter. I have attached all the documents to prove my statement.
02/06/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33441
Web
I attempted to obtain credit and found a collection agency by the name of XXXX XXXX was reporting on my file. I was denied credit because of a collection account that I did not recognize. In an attempt to obtain the line of credit requested, I called and went to their website XXXX XXXX XXXX to see what the account was for and make a payment if it was valid. The website requests an account number, but I do not have the full account number available and does not provide any details to what this alleged debt is for. I called phone number XXXX, I was unable to speak to anyone. The system asked for me to request a call back before disconnecting the call. I provided my cell phone number on XX/XX/XXXX and have yet to receive a call back. I have made multiple attempts to contact this company almost daily. I was never notified that this account existed, no one ever attempted to collect and more importantly I have no idea what this is even for. I have applied for employment and thankfully I didn't get declined due to this unknown charge. If I had known of valid debt i owed I would have paid for it before any harm could be cause to me like all of my debts. This company has caused me damage and will not even respond to my calls for a debt that I was never notified of. I just need all of this to go away so that I can go on with my life without further damage from this absurd situation.
11/13/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32809
Web
My first contact with Amerifinancial Solutions was in XXXX of XXXX, when I saw this account reporting to my credit reports. The reported the wrong address to contact them and my dispute letter was returned back to me. I had informed XXXX, XXXX, and XXXX with copies of the envelope that was returned. XXXX and XXXX promptly removed the item from my credit report. XXXX refused to remove the item and the update of the new address wasn't updated until XXXX of XXXX as you can see with the attached credit report. Since then I have done my due diligence to dispute this item directly with Amerifinancial Solutions, and it has gotten to the point that they refuse to respond to my letter after it was discovered that the account they are attempting to collect on may have Violated HIPPA law.I have attached my credit report from XXXX of XXXX showing that Amerifinancial Solutions was reporting the wrong address to contact them as well as XXXX of XXXX credit report showing the correct address to contact. Have also taken the liberty of attaching the only response I have received from Amerifinancial Solutions before they stopped responding to my correspondences. After having to deal with this company reporting incorrect information on how to contact them, I finally am able to get in contact with them and they have not responded. Please have this item removed from my XXXX report.
11/15/2018 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
  • AL
  • XXXXX
Web
I have attached my XXXX which shows i have not debt in my name. amerifinancial solutions have five accounts listed on my credit report and they do not belong to me and they is in violation of the FCRAand FDCPA. They did not send me a dunning letter giving me my rights to validate the debt and if they did i would like to see the letter sent by certified mail. According to15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if they have evidence to validate their claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, they provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate their claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and their claim is verified/validated, they have no consent to continue any collection activities.I want a copy of a contract and not false itemized statements from some other company which is not debt validation.
10/16/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32836
Web
Amerifinancial Solutions placed a medical debt on my credit report. I was never contacted by them via mail or phone. I only learned of the debt through checking my credit report. This debt was never validated so I had no assurance of the debt being accurate. I need my credit so I paid the debt, and told them that I need it deleted from my credit as it is harming me and is an impediment to me obtaining financing for the purchase of a new home. The company would not comply when asked for their company address or to speak to a supervisor. I was assured that it would be deleted once paid, but was not given any information or confirmation after it was paid. I asked for a letter and they told me it would be sent in the mail. I havent received it and it hasnt been deleted. When i spoke to an agent I was treated rudely and hung up on when I asked to speak to a supervisor. They said they dont have any live supervisors to speak with and I would have to wait XXXX days to be contacted and it wasnt guaranteed when or if they would contact me. Their policies are terrible, and dont protect the consumer. There was no guarantee whether or not I was being scammed or not, but out of my need to get this off of my credit immediately I paid it. Now the company wont even comply with what I have asked for.
12/04/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 194XX
Web
On XXXX I received collection bill for what it appears on a hospital stay on about XXXX from AmeriFinancial Solutions, LLC., XXXX. XXXX XXXX XXXX, Maryland XXXX I am unaware of their medical debt even exists. On XXXX and again on XXXX I requested via certified letter for a proof of debt with an explanation of a detailed, itemized statement from the collection agency. As of XXXX I have not received any written documentation from Collection Agency. I have a collection report as a derogatory/collection claim on my credit report which is reducing & negatively affecting my credit. A phone call was made directly on about XXXX to collection agency with no information shared with me on the what the debt was for or by whom. They requested for proof of Insurance which was mailed to them on the certified letter of XXXX. I applied to all major credit report agency for a dispute. XXXX has responded and returned with a validation of the debt, which it should have been removed from my credit report since I showed proof of inquiring about and the collection agency has not submitted the itemize or detail explanation of debt in return. I still do not know what the debt is for and I have collection report on my credit agency which is affecting my credit score.
09/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 284XX
Web
I've been working with XXXX credit company for several years and they honestly do not care or want to help me. There's several bad address on my credit file that are fraud and 24 fraud accounts on my credit file with them, but no one will help me. I deal with the office of the consumer affairs sense theirs been so much fraud on my credit file. I have faxed them a new police report every year with fraud accounts and they never remove the fraud accounts no once. I contacted everyone of the banks that had fraud accounts of my credit file and they all said we have never received anything from XXXX, but we have gotten reports from XXXX to remove the accounts asap. I'm attaching a new police report with fraud address and accounts on it. Next step will be legal. i want those accounts off my credit file asap and for them to keep the police report on file. The office of the consumer affairs want even let me dispute anything until i give them a ID and police report, I have given them my ID and police report several times and they keep losing it for some reason. Please help me. My bank loan on my house is being called in because of the fraud account showing on my credit file with XXXX. Everything has been removed from XXXX, XXXX several years ago.
11/21/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07103
Web
I found out that there was debt {$470.00} on my credit report so I contacted the company AmeriFinancial Solutions LLC list on XX/XX/XXXX. I verified my personal info and was told the debt from XX/XX/XXXX was for a hospital. I explained that I was unware of this bill and to sent me proof. I was told that a letter would be sent to me and I could send it to my insurance. A month later I XXXX XXXX, XXXX I reached back out because I had not received any documentation from them about the debt. I was told by the company that they would not be sending any documentation until I made a good faith payment. I stated that I didn't believe the debt was mine and needed proof. I contacted the credit bureaus to debt this debt, however they keep claiming the debt is mine would out sending proof besides only verifying my D.O.B. and SSN I have not received any written communication from AmeriFinancial Solutions LLC at all. I believe this to be fraud. This is a deceive practice to not verify and show proof but request payment. As a result my credit has been impacted. I have tried contacting the Hospital in XX/XX/XXXX directly however I am being told that the record is not longer accessible and that I must contact the collection agency.
08/25/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 350XX
Web
I received information from the credit bureaus that you are attempting to collect an alleged debt that you have listed on my credit reports. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my sign hippa release form? I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
08/09/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27560
Web
I have 3 collections on my credit report from AmeriFinancial Solutions from XXXX XXXX XXXXXXXX XXXX P A. They are in the amount of {$830.00}, {$830.00}, and {$570.00}. I believe one of the {$830.00} is a duplicate. I do not have full account numbers but they end in XXXX, XXXX, and XXXX. The two {$830.00} claims started XX/XX/XXXX & XXXX, XXXX. The {$570.00} claim started on XX/XX/2017. During this time I was on a XXXX plan and should have had coverage for all of these bills according to my insurance plan. When I found that these were on my credit report I was to work with my insurance provider because the debt had already been sold to AmeriFinancial Solutions. The reason I was told the bills were not covered is that XXXX had a record of Me moving out of `` county '' and that simply did not happen. I can verify all my addresses and they all reside in " XXXX County. '' I did not receive a single letter regarding my debt or a letter that I had debt and a way to dispute It. XXXX will not do anything for Me regarding this matter. I would like these debts removed from my credit report as they were incorrectly labeled as debt when my insurance provider should have covered the bills.
05/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34758
Web
On XX/XX/2021 I checked my credit report and it has been brought to my attention that Amerifinancial Solutions LLC has 2 negative remarks on my report of {$1600.00} each. The total debt they are claiming that I owe them is {$3300.00} ( see negative_remark.jpg ). On XX/XX/2021 I mailed Amerifinancial Solutions , LLC a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see Amerifinancial_solutions_letter.pdf ). I mailed Amerifinancial Solutions , LLC the registered letter to two known addresses and have yet to receive a response. The registered letters were sent by Certified Mail via USPS ( see XXXX ). These letters are tracked and they show that they have been delivered, signed for, and received by an Amerifinancial Solutions representative. It has been over 70 days and I have yet to receive any response from Amerifinancial Solutions.
03/04/2022 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
  • FL
  • 32811
Web Servicemember
I pulled my consumer report, noticed Amerifinancial Solutions listed with an alleged debt. I contacted XXXX to have this account removed, as this is alleged identity theft, and per the FCRA this should be removed within 4 days. I also contacted AFS via phone, I attempted to provide them the information that THEY WERE REPORTING to my credit report, and before I could, the agent " XXXX '' was rude, she stated that the account was indeed NOT my account, but someone else 's. She also provided that they received the XXXX complaint and FTC report with the supporting documentation. I requested a cease and desist, to provide the documents ( medical ) that were used to verify & validate the account, and I also demanded to have the accounts blocked from reporting this fraudulent information to my consumer report. XXXX provided account information without VERIFYING my identity or confirming that I was the correct party on THEIR account. XXXX CONFIRMED on the RECORDED LINE that I was not the OWNER of this account. Address listed on credit report also does not match so how is it possible to remotely " verify '' this account when my name and address isn't valid?
01/31/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 296XX
Web
I have attempted to reach Amerifinancial Solutions on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Amerifinancial Solutions nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Amerifinancial Solutions provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its XXXX, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration for the multiple accounts that they are listing on my credit reports under the law.
09/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 350XX
Web
I have accounts reporting on my credit report that does not belong to me. I would like a copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.I have not received a dunning letter giving me the right to dispute the debt.All negative marks found on my credit report need to be removed because i do not have any contracts with this company and they in violation of the FDCPA and the FCRA. I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
05/15/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07003
Web
The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. So, please remove this account.
09/28/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 062XX
Web
I had an accident at my job almost a Year ago they took me to the emergency room to check on me, months later I got a letter showing how much i Owe the dept collector I have try using my insurance it Didnt cover it so I talked to my managers about the issue, I called the debt collector to let them know it was supposed to go in my workers comp they told me i needed to get the imformation about the workers comp so it can get paid, I asked my manager the imformation and they have told me to give them debt collector my case number and the phone number to contact the people so my debt could be paid, they said they couldnt do that and arent supposed to call anyone and Hung up, I mention this to my managers they tried to call them and told them about it but they Hung up on my managers so they tried again and my managers told me i dont have to worry that my dept would be paid, weeks past and it still shows that I still owe them money and I dont know what to do, my managers told me this is the only way I can pay my debt and the bill wasn't supposed to be sent to me it was supposed to be sent to my workers comp.
09/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 287XX
Web
On XX/XX/2019 I visited XXXX Hospital in XXXX North Carolina. I had insurance ( XXXX ) at this time and should have been covered fully. The XXXX in XXXX county has confirmed this and I have been working with XXXX, who is fantastic and helping search this problem daily. My account number with AmeriFinacial Solutions is XXXX and the reference number is XXXX The above mistake on XXXX XXXX XXXX has cost me dearly in interest rates, declined credit lines, declined automobiles and many other headaches. This must be deleted from all three credit reporting bureaus immediately or I will seek council for damages. I highly suggest you reach out to XXXX in XXXX and get this resolved in very short manner. The total bill is now XXXX This has already been removed from XXXX. However, it is still showing up on XXXX. This has been requested months ago to be removed as I was not held responsible for this account. XXXX has called you months ago to remove this. Remove this immediately and send me a written copy with company letter head that you will be deleting this. Otherwise, you leave me NO CHOICE but to seek damages.
05/19/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33311
Web
This company is violating my rights by using stalling attempts by refusing to accept my request to demand validation of the debt. This collection was disputed with credit bureau several times XXXX / XXXX / XXXX , XXXX / XXXX / XXXX , XXXX / XXXX / XXXX and each time Amerifinancial verified it. However, when I requested validation directly from Amerfinancial ( XXXX ) they refused to respond but continue to attempt to collect debt and report debt monthly on my credit report. I sent request to address listed on credit report the first attempt the company accepted it XXXX verification attached ). After I noticed they failed to respond within XXXX days I sent another request ( XXXX ) this time they failed to pick up the letter resulting in it being sent back to my address. Despite this company refusing to speak to me, validate the debt belongs to me and they legally have ownership of the debt they are not only attempting to collecting on a debt I have no knowledge of but are also failing to respond, sending back request although I know the address is valid because they accepted it before.
12/12/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27603
Web
Re : Accounts # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I sent a letter to Amerifinancial Solutions on XX/XX/2022, about some collections they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor ( XXXX XXXX XXXX XXXX. ) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to {$1000.00}. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/2022, these debts, which I told them to send back to the original creditor, remain on my credit report in violation of federal law.
09/17/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27893
Web
I requested validation of a debt on XX/XX/XXXX from this collection agency. I have not received an validation of debt as of XX/XX/XXXX. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to Wake Emergency Phys P A for them to release my medical information to a third party ( Amerifinancial Solutions ). I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide a breakdown of fees including any and all collection costs and medical charges -Please provide a copy of my signature with the provider of service to release my medical information to you -Immediately cease any credit bureau reporting until debt has been validated by me I have not received any information from this company. They are in clear violation and I requested deletion of this account from XXXX
06/18/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 34786
Web Servicemember
I HAVE HAD THIS PROBLEM FOR MANY YEARS WITH THIS COMPANY, THIS IS FROM XX/XX/XXXX, LAST YEAR THEY REPORTED THIS DEBT AS AS LATE IN XXXX, IT IS FROM XXXX, JUST LAST MONTH THEY REPORTED THIS AS LATE ON MY CREDIT REPORT DROPPING MY SCORE 8 POINTS, THIS IS A MEDICAL DEBT I HAVE INFORMED THEY THAT I AM AN XXXX VETERAN, THAT IT IS TO BE BILLED TO MY VETERANS AFFAIRS OFFICE AS, THEY ARE RESPONSIBLE FOR PAYING ALL DEBTS FOR HOSPITLIZATION, ALSO I HAVE INFORMED THEM THAT I AM XXXX XXXX XXXX XXXX VETERAN I RECIVE SOCIAL SECURITY AND VETERAN BENEFITS, I HAVE INFORMED THEM, AND THEY SAID IT WAS ON MY CREDIT I AM ATTACHING DOCUMENTION SHOWING THAT THIS DEBT IS FROM OLD, THAT THEY HAVE CONTIONOUSLY REPORTED LATE PAYMENTS, THAT IT HAS DROPPED MY CREDIT SCORE THAT THIS IS UNFAIR, YOU CAN SEE VIA MY UPLOADS, WHEN I MADE A COMPLAINT WITH THE CFBP, THE FIRST TIME IN XXXX OF XXXX THEY SAID THE DEBT WAS FROM XXXX, IMMEDIATLEY IN XXXX THEY REPORTEDED IT LATE EVERY MONTH, TIL CURRENT DATE CHANGING THE DATE IT WILL DROP FROM MY CREDIT REPORT, FROM XXXX XXXX XXXX THIS IS UNFAIR, AND ILLEGAL
12/17/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 344XX
Web
I had an emergency hospital visit in XXXX of 2019 and XXXX XXXX XXXX (emergency room doctor) had sent me a bill that was not correct and after getting the information corrected, ( I am a private pay patient and only owed $XXXX instead of the $XXXX that showed up on the bill) they sent me a receipt, closed my account and informed the Debit Collection Agency ( AmeriFinancial Solutions, LLC) that the debit was paid in full and to remove from their system. I called AmeriFinancial Solutions on several occasions ( XXXX XXXX, XXXX, XXXX, 2019) to ensure this was closed on their side and taken care of. On XX/XX/2019 I talked to XXXX, who stated it was closed and they had informed all 3 credit reporting agencies to remove this account. I have disputed this with all 3 credit reporting agencies and as of XX/XX/2019 the agencies are still reporting it active, but the Debit Collection company says it is closed. I do not know who is dropping the ball here, but I need this off my credit report. Please have AFS get with all Credit Reporting agencies and get this removed.
10/20/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33076
Web
This collection was the result of unfair tactics by the hospital charging me for services I didn't ask for. I went to the emergency room due to XXXX XXXX because my fried was concerned. They inserted an XXXX in me and refused to remove it when I wanted to leave and telling them I didn't want to be admitted or additional tests. They insisted that something bad or even death could happen to me and there was nothing I or they could do to help it unless they performed additional tests. I insisted multiple times that I was fine but they refused to remove the XXXX until the doctor came to see me. After hours of waiting I finally got XXXX XXXX enough to removed the XXXX myself and had to WALK home! This was all explained to the collection agency and they dropped the case. I disputed it on my report twice and it was removed both times from ALL agencies but they keep adding it to my reports ... Furthermore ; they don't notify me and I have to find out through XXXX XXXX! Then I have to dispute it AGAIN ... Also, see the attached showing that the amount is XXXX
07/01/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 288XX
Web
To Whom it May Concern, I do not know what this company is trying to pull here, but this debt was negotiated over the phone, assured that this consisted of all debt and the debt was paid in full. This would be verified with telephone transcripts. Once again, I made sure that all of the medical debt that I owed this company was compiled, and that debt was both negotiated, explained the number of days I would have that offer, assured ( after repeated assurances ) that the debt was all of the debt to this company, and paid it in full using a credit card on that day. From reading what other people have stated online, this company seems to be notorious for this kind of behavior. It seems as though they are playing on the faint-hearted to see if they will fight. I am a fighter, but not all people are. this company has overstepped its bounds entirely, and I hope somebody can stop this type of predatory behavior. Furthermore, I contacted the XXXX, was told that somebody would be reaching our, and Amerifinacial Solutions has yet to make a single attempt ...
10/04/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 31405
Web
AmeriFinancial Solutions- account # XXXX Company is in violation of HIPPA, I did not authorize Original Creditor to sale my personal info to a random company. I signed paperwork ( under distress ) at the hospital to release my medical info to my primary care, and other doctors I was seeing in 2016. I asked company to PROPERLY validate the debt by showing bill of sale, my auth to sale my info to 3rd party, some proof that they now own this debt and have the rights to collect on it. Ive never rendered any services or goods with this company and do not wish to do business with them. I was sent a bill with my personal info, and procedures done ( please see attached files ). Company is not registerd in GEORGIA to do business! I have made several attempts to reach out and resolve this matter with AmeriFinancial, but again, I DO NOT OWE these ppl any money! Please delete this account from my credit profiles. A letter of Intent was sent, and legal action will be taken pending the outcome of this investigation. REMOVE THIS ACCOUNT IMMEDIATELY!
04/14/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30144
Web
Amerifinancial Solutions I have a a unverified account from your office. I had previously disputed this account. I have never done business with Amerifinancial Solutions. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Amerifinancial Solutions Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Amerifinancial Solutions Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
05/03/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32811
Web
I reached out to Amerifinancial Solutions LLC in early 2021 about a bill that was being reported to my credit file from their company. The bill was for medical debt. I mailed Amerifinancial Solutions LLC a request for debt validation, a contract between their business and the original creditor that showed they could collect debt and proof that they were licensed to collect debt in the state of Florida. Amerifinancial Solutions LLC mailed me a document that appeared to be medical services that were performed and my name was attached to those services. However I was never mailed a HIPPA release form stating they could access my medical information. Amerifinancial Services LLC has violated HIPPA in a attempt to collect debt however has yet to validate the debt, show proof of a contract between their business and the original creditor to collect debt and show proof that they are licensed to collect debt in the state of Florida. I would like to report this incident to the CFPB and ask for help in resolving this situation.
11/02/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30126
Web
No account number or identifying information other than their name and balance of XXXX I have repeatedly ( for months ) tried to contact XXXX ( XXXX ) who is collecting for a medical debt on my credit report. Everytime I call I reach a recording that states that their hours of operations are Monday to Thursday XXXX XXXX. to XXXX XXXX. XXXX XXXX XXXX and Friday XXXX XXXX to XXXX XXXX and to please call back during normal business hours and I am calling during business hours. I don't even have so much as a account number. I have tried to contact them through a website I found when researching how others have communicated with them at XXXX. There is no email link to contact them with questions, there is not a search available to find your records within their system so that you could research the bill and resolve. I never received communication from this debt collector on top of all of this. How am I as a consumer supposed to validate and get resolution with zero communication with the debt collector.
03/17/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33060
Web
I have disputes this debt numerous times with the three credit bureaus, and also have sent numerous notarized letters to this company, I have never receive a response back, and I get to the point that I can't no longer dispute on the bureau anymore and contacting this company is very frustrating, they have two addresses listed and I've sent numerous notarized letters to both address to let them know that I am disputing this debt because it does not belongs to me, but I never receive a reply from the company. I don't know this company and I have never done any business with them. I have never receive any letters or email or phone calls from this company that put mess up my credit with their fraud collection, I called the hospital they put cause I have not been there, they said they have nothing on me, try to contact the collection agencies, I tried I even put up buying a house for my kids to get this taking care of but no action is taking place on this company part to remove this.
11/14/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33770
Web
I was XXXX multiple times at XXXX XXXX XXXX in XXXX florida. I do not have insurance. I was told by multiple workers in the hospital that I wouldnt receive any bills. Well I received bills, I wrote back saying I do not have insurance and that I was told there would be no bills. I am still doing this to this day. Some of these accounts I disputed and won. But some went to collections. I have been paying off these collections accounts for 2-3 years, even though I was told by the hospital staff I would not see a bill. XXXX XXXX and amerifinancial solutions and XXXX XXXXXXXX are the companies who I am paying. I pay what I can. Sometimes {$100.00} a month, sometimes {$17.00} a month. These companies have hurt my credit score severely. I am trying to do the right thing by paying these bills but I was told by XXXX XXXX XXXX staff in XXXX florida that I would not see a bill. I am not rich. I do not make a lot of money. I can not afford health insurance. Please help me
06/03/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60099
Web
The medical related collection account # XXXX in the amount of {$830.00} which is reported to the credit bureaus by Amerifinancial Solutions is fraudulent and was a result of ID Theft. I have already corrected this matter several years ago by contacting the original creditor and submitting copies of the police report and FTC report. Amerifinancial Solutions has violated FDCPA by not notifying me in writing and denying me the opportunity to dispute their claim and request validation. They have listed this fraudulent debt by changing the account number and reporting it to the credit bureaus as a new collection account. I contacted Amerifinancial Solutions on XXXX XX/XX/2019 at XXXX via phone call and spoke to XXXX advising her that I don't owe this amount and requested a fax number to submit supporting documents but she refused to provide a fax number. I have no responsibility to this debt, this is not my debt and it is injuries to my credit report.
09/01/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19144
Web
XXXX had 4 collections on my credit report 1 was deleted when I disputed thru XXXX. The other three they claim are from XXXX XXXX Hospital family practice which dont have any record of me or my children owing any bill at any time. Me and my children have all been going to XXXX XXXX XXXX XXXX since they were born and I was a child. We still go to this family practice till this day and they have no idea what XXXX XXXX is talking about. I asked for verification of the debt and to compare to XXXX XXXX database and even the names of the physicians are not in me or my childs medical records. XXXX XXXX is reporting false information on my credit report and have been affecting my credit for years. Oh and they also tried to say we have your health insurance on file but I supposedly said dont charge my welfare insurance even though they have been paying for all on me and my childrens medical needs since I have been and adult.
08/02/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32832
Web Servicemember
I opened my mail on XX/XX/XXXX and discovered a letter was sent to me about medical debt. AmeriFinancial Solutions , LLC. sent correspondence via U.S. mail on XX/XX/XXXX demanding payment for medical services that were rendered at XXXX XXXX XXXX XXXX on XX/XX/XXXX for my XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent my XXXX XXXX medical information to a company that is not licensed to conduct business as a consumer collection agency in the State of Florida. AmeriFinancial Solutions is engaging in unlicensed activity and is falsely claiming that it has a legal right to collect on a debt, which is in violation of both State and Federal law. According to the U.S. Court of Appeals ruling in XXXX XXXX XXXX XXXX XXXX, a consumer in Florida, pursuant to the federal act, can sue a collection agency for its failure to register with the Florida Office of Financial Regulation in violation of the state act.
04/20/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • IN
  • 46410
Web
What AmeriFinancial/24 On Physicians is doing is, taking a legitimate bill and are changing the account numbers by one digit or the dollar amount by a dollar or so and resubmitting them to the credit bureaus. They will keep getting around it by changing the amounts or account numbers. I wake up every day and see that my disputes are successful but they turn around and change the numbers and/or amount and they pop back up again. The last number on the account number is an X so I dont think theyre accurate since both collection agencies are doing this. As you can see on the screenshots, they have a {$150.00} account and a {$55.00} account. BOTH OF THESE ARE THE SAME BUT DIFFERENT AMOUNTS. Its made to look like I have 2 accounts in collections with them when I dont. MY ATTORNEY HAS CONTACTED THEM AS WELL AS THE ORIGINAL CREDITOR BUT THEY CONTINUE TO HARASS ME AND DAMAGE MY CREDIT
08/20/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35160
Web
I have XXXX accounts reporting from amerifinancial solution on my credit report. Ameriinancial bought this debt from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). i do not owe neither one of these companies and this inaccuracy on my credit report need to be deleted. Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request amerifinancail solutions prove that I am indeed the interested party who is contractually obligated to pay this debt to them.Do not send me a bill send me a copy of the contract i have with them and the rights they have to hold my name, ssn, date of birth, and address with their company.A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.
02/02/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
I received a copy of my credit report and this company are reporting incorrect information to the credit bureaus, a collection that is not mine. To whom may concern After all the due diligences I have done, Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. PURSUANT 15 U.S. Code 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. YOU AMERIFINANCIAL SOLUTION LLC IS conveying of information regarding a debt indirectly to the credit bureaus XXXX, XXXX, XXXX. I demand you to stop this illegal activity immediately and delete this alleged account from my consumer report. Attahched all documents with instructions to AMERIFINANCIAL SOLUTION LLC
12/16/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 360XX
Web
On XXXX XXXX I mailed a certified letter to XXXX disputing an account placed on my credit report. On XXXX XXXX XXXX advised me to contact the grantor Amerifinancial Solutions by mail or phone. On XXXX XXXX I mailed a certified letter asking for validation of the debt to Amerifinancial which they received on XX/XX/2021. Today is XXXX XXXX and I have not received a response from Amerifinancial Solution validating the account. Federal law requires that collection agencies respond promptly within 30 days. It has now been 38 days since this company has received my letter and has failed to not only comply with the federal law but to validate this debt. This account continuing to be listed is a serious violation of the FCRA ( Fair Credit Reporting Act ). Please delete this information from my credit file and cease all collection activities immediately.
01/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 180XX
Web
XXXX XXXX will not Remove my an account with adverse information. I have a collection that is only on my XXXX XXXX credit report from Amerifinacial Solutions, XXXX XXXX XXXX XXXX, MD XXXX. They state that I owe {$210.00}. I the consumer never gave written permission for this to be on my consumer report. Also XXXX XXXX states that " for any account that contains medical information, the information following 'Medical- ' is not displayed to anyone but you except where permitted by law. ". On my my report for Amerifinacial Solutions it states that this is originally from XXXX XXXX XXXX XXXX which clearly is medical. Anyone can see that this is XXXX. nowhere in my report is it stated that this is 'Medical- '. Also XXXX XXXX told me, the consumer that I must take this up with Amerifinacial Solutions, a company that i have never contracted with.
04/03/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27610
Web
On XX/XX/2023, I wrote to Amerifinancial Solutions, regarding some collections they had included on my credit report. I'm writing you this letter to inform you that I instructed the debt collectors to return the debt to the original creditor ( XXXX XXXX XXXX ) who sold it to them. It is unlawful but not enforceable for a collection agency to purchase debt from another business and then pursue the debtor as if they had entered into a contract with the agency. I am aware that there is no documentation at this collecting agency that would indicate I signed any agreements with them. I warned them that I would file a complaint with the CFPB, XXXX, FTC, and Attorney General if their collection firm did not return this amount to the original creditor. In addition, I will free legal representation for my lawsuit against your business for
07/03/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • DE
  • 19808
Web Servicemember
On XX/XX/XXXX a debt collection of {$730.00} was reported by Amerifinancial Solutions. The debt is medical ( figured out by researching original creditor ) from XX/XX/XXXX. I had no recollection of ever being in the hospital during this time so I was pretty confident this was incorrect. I called AFS ( ( XXXX ) XXXX ) and they confirmed the debt was under a womans name. My last name and her last name happened to be the same, but I did not know this other person. After what I thought was enough proof to fix the issue.. I was told that the false reporting would be taken off my report in two weeks and to call back then for an update. So I waited two weeks and called back. I was advised that they were unable to find any information on the woman so they could not get the debt off of my report. Im not really sure what to do next.
01/15/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 328XX
Web
I've recently noticed an alleged debt that fell into a derogatory collection account by a company under the name Amerifinancial Solutions LLC on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). The alleged debt has several inaccuracies, so how do I even know the debt is real? I sent a debt validation request letter to Amerifinancial Solutions LLC via mail on XX/XX/2022. Tracking shows that the letter was received by Amerifinancial Solutions on XX/XX/2022. It has been more than 30 days and I have not received any type of debt validation letter. The debt validation letter is attached to this complaint.
06/29/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33311
Web
I recently made contact with XXXX XXXX and advised them that was not me. And the supervisor over there was completed rude as well as the customer service department. They want me to send them information about me which they should have if they are stating I was seen at XXXX XXXX for treatment. I have advised them I have Medicaid for years so if I was there or at any facility my bills would've been paid by Medicaid. They can not show many any valid proof that I was seen at those facility. The last representative couldn't even find me in their system by name. I have to provide my social ( which felt very uncomfortable doing that ). The accounts # XXXX & XXXX. This is a collection agency that buys bad debt and try to collect on things that are not valid. This company has some fraudulent activity going on.
01/28/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27606
Web
AMERIFINANCIAL SOLUTIONS a collection agency has repeatedly attempted to collect a debt on separate occasions for what should be a SINGLE medical bill. Each attempt to collect was posted to my credit report as 4 collection accounts. The amount of each collection was {$330.00}. I have four in total listed on my account with separate post dates. There was only one hospital visit. These people have called and been persistent some even threatening. I attempted to dispute these claims with XXXX XXXX but they keep coming back as accurate. Which only ONE should. But with the collections all being reported to the same company is making my amount owed inaccurate therefor dropping my credit score drastically. Also very concerned about a release of my medical information which violates HIPPA act.
12/28/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32835
Web
I filed a consumer complaint against this company XX/XX/2020 on XX/XX/2020 this company responded by adding another fraudulent and incorrect account on my credit reports for the amount of {$660.00}. The account number begins with XXXX. They still have not provided any identifiable documentation that the 5 accounts they are reporting to my credit reports are mine. I have tried to get this company to validate these debts to me but they have not the documentation I received was a bill that showed no proof this is my debt. They retaliated against by not responding to consumer finance request properly. But within 4 days of filing the consumer finance request against this company they added another item to my credit report dropping my credit score. These items need to be removed immediately.
09/13/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • FL
  • 34787
Web
Complaint goes for both Amerifinancial solutions for {$3500.00} and XXXX XXXX XXXX XXXX FL XXXX on XX/XX/2020 {$920.00} I don't recall ever borrowing anything or owing anything to anyone for sure need it disputed as same goes for this Company Amerifinancial solutions for about {$3500.00} that I never recall borrowing, owning or associating with ever and I need this also disputed. Also I says on my XXXX XXXX XXXX XXXX the middle name needs to be XXXX instead of XXXX. My new phone number on my credit report is XXXX I'm locked out of XXXX at the moment and their shouldn't be any other cell phone number on file. One more thing is the only address on file Should be XXXX XXXX XXXX XXXX FL XXXX all other addresses need to be deleted and disputed immediately thanks. - Best regards XXXX
03/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32818
Web
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
10/25/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • XXXXX
Web Older American
Debt collector sent letter requesting payment for two year old debt ( XXXX XXXX, XXXX ), owed hospital/E.R., physicians ( {$320.00} ) that was paid, partially by XXXX ( XXXX XXXX ), hospital write off leaving balance {$26.00} paid by patient. NO WAY hospital would have held onto this balance for nearly 2 years. My efforts to obtain the information from collection agency AFS, about who ( name, phone number ) submitted this claim has been non-compliant. They only want my credit card info for collection purposes. I am following the advice of my insurance company who have offered to supply information supporting my claim, as well as hospital records, if needed. I feel the collection agency has illegally obtained outstanding medical records, declined, perhaps, by XXXX.
06/15/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33897
Web
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX, and XXXX and have noted following discrepancies : Amerifinancial solutions Date open : XX/XX/2022 {$1400.00} XXXX Amerifinancial solutions Date open : XX/XX/2022 {$970.00} XXXX Amerifinancial solutions Date open : XX/XX/2022 {$510.00} XXXX I have attached copies of the supporting documents which show that these items are inaccurate [ and explain why each document supports the dispute ]. Please provide me with written confirmation of the disputed items when the investigation is complete. This includes any changes to my credit report that have been made in response to this dispute.
05/15/2021 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
  • Their investigation did not fix an error on your report
  • PA
  • 19119
Web
Hello, there was several bills that was place on my credit that I have disputed to be remove off. Two of the bills for the amount of {$370.00}. I have no knowledge of these bills. I stated to the credit bureau and also the collection agencies about these two bills. They still haven't removed these bills from XXXX or XXXX. I have a medical bill for {$1200.00} which was not my fault, it was the hospital mistake. They sent my lab work to unauthorize XXXX with my insurance did not approve. I had made several complaints about this issue with thr insurance agency, the hospital, and my doctor 's office and still the bill is still on my credit for me to pay. I would love for these bills to be remain of my credit immediately thank you. I'm total lost with these bills.
10/31/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 289XX
Web Older American
I took a 16 ' fall from my deck on or around 2015. I went to XXXX XXXX ER ( NC ). I had a {$100.00} Deductible & paid that at ER. Remaining bill 's are XXXX 's responsibility. I called the Hospital & they were working with XXXX. I called XXXX many times. The $ 500+ is comprised of 3 different bills. Each call the XXXX rep said I owe nothing & they would pay. They paid 1 of 3. I called XXXX again, oversight sorry & they'll pay. They paid 2 of 3. I called again, oversight sorry, on XXXX 's part, they said they will pay & I thought it was resolved. It is crazy the # of times I had to call XXXX. Then I received notices from a collection Agency. I have since had to go on XXXX & I have no records from that period of time, I lost my home & have had to move 4 times.
09/02/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33060
Web
I truly feel like a ping pong ball at this point I sent a letter to Amerifinancial certified receipt ( XXXX the ending of XXXX I never received a response. I later discovered the wrong address was listed on XXXX website so I filed a complaint with cfpb please reference complaint # XXXX. Amerifinancial told you guys that they couldnt locate my account. Why is it still reporting. I know you guys are busy be aid me in making this company validate the debt please I cant afford to keep sending mail certified this account has already been removed from XXXX and XXXX only XXXX is reporting this Im asking for validation of this medical debt that I have declared numberous times doesnt belong to me! Sorry if I should disrespectful Im just frustrated please help.
05/16/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 301XX
Web Older American
i have reapeatly contacted XXXX XXXX XXXX and American Financial Solutions since XX/XX/2018 regarding a medical bill obtained on XX/XX/2018, that has been paid by Medicaid. I have spoken with the supervisor at XXXX XXXX XXXX that have verified that the bill was paid. I have spoke with a supervisor at AFS who has also verified that the bill was paid. Instead it was sent to XXXX as a debt. I have been told that the information will be corrected by XXXX XXXX XXXX and AFS. It is still showing up. In addition it should never been placed on XXXX since it was paid by the insurance ( Medicaid ) in a timely manner. I had excellent credit ( 800+ ) until this was placed on my account with XXXX . I dont have money to obtain a lawyer to correct this mistake.
05/16/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32835
Web
I have been trying to get this off of my credit since it first appeared on there because the debt is not valid. I had/have medical insurance that covers me 100 % and the doctor who reported this to collections never billed my insurance company to pay the bill because I don't know why. My insurance company contacted the debt collector to inform them of what happened and why that debt is not my responsibility and verified that I had active insurance at the time of service and still currently do. The collection company said that they were going to handle it and it would be removed from my credit within 30 days but that has yet to be done and it is affecting my credit score by 70 points. Which is now affecting me being able to get a car loan.
05/31/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • KY
  • 40475
Web
I have disputed this 3 times. They are reporting duplicate debts of {$300.00}, also listing it as unpaid. It is paid, and they should not continue to report duplicates. They were also doing this with a {$39.00} dollar charge, but finally they removed that duplicate, still not listed as paid though. Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX
11/20/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33063
Web
Amerifinancial solutions has been consistently harassing me with a bill for my sons medical expenses from 2 years ago and he has always been covered by Medicaid insurance. I informed them during the first call and called my insurance. My insurance did an investigation and found that the bill was paid and was not my responsibility and also spoke to the supervisor at Amerifinancial solutions and faxed them proof. They are still nonstop calling me trying to collect a debt and acting like they havent been in contact with my insurance when my insurance already resolved the problem. I have asked to speak to a supervisor and consistently told them to contact my insurance and they continue to run me around in circles and not stop harassing me.
08/13/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19138
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
07/21/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19144
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
06/16/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07430
Web
I have tried to dispute this issue for a while now. I have called the XXXX XXXX, written emails with no avail. I NEVER received any bill for this matter at all. NOT ONE. They never called, I never got any mail, and they never sent anything to me that had to be signed ( certified ) to make sure I got it, nothing. I had disputed this on one of the credit bureaus and it has been removed. This is hurting my credit score for something I was not aware of and never received. When i saw it on my report I tried to contact them directly, all I got was a transfer all around the hospital. I dont believe this is fair to put on somebodys credit report immediately without trying to reach me another way if they saw the bill was not being paid.
08/12/2019 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
  • FL
  • 34471
Web
AMERIFINANCIAL SOLUTIONS posted a collection to my credit report, originally from XXXX XXXX XXXX. My insurance company is in the process of being liquidated, and I provided the legal notice from the fiduciary stating that any collection activity outside the liquidation proceedings is prohibited. This was given to all 3 credit reporting agencies. XXXX and XXXX have both removed the collection from my credit report, but XXXX is stating the collection is reporting correctly. They split my dispute into 2, and the second result states there is no bankruptcy reporting to my credit. This is correct, I am not personally going through bankruptcy proceedings ; the insurance company who was obligated on this payment is..
08/27/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33313
Web
I sent a letter regarding the validity of the accounts with Amerifinancial reporting on my credit report. The account numbers are XXXX for {$1100.00} acct number XXXX {$1100.00} and account # XXXX for {$760.00} first and foremost Im noticing that this collection agency reported the same accounts twice their double billing me for {$1100.00} for medical services I never had perform I tried reaching out to them directly Ive attach my return receipt letter was sent by certified mail on XX/XX/21 and I havent receive a response its pass 30 days Im requesting removal certified receipt # XXXX and theres no reason for anyone with the company to say they never received this letter as stated before it was signed for
09/28/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 19709
Web
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. XXXX XXXX ( Original Creditor : XXXX-XXXX XXXX. XXXX. XXXX )
12/08/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07407
Web
In XXXX of 2019, I went to the hospital for a XXXXXXXX XXXX XXXX. I was treated and discharged. Months later, I noticed that my credit score significantly dropped and saw a collections on there, specifically from the hospital. XXXX is acting as the debt collection agency. However, I was NEVER contacted by the debt collection company themselves. They have never established a connection with me personally. I was never sent the hospital bill to my current address and especially not sent any notices of debt collection from XXXX themselves. I am speculating they have sent the information to any of my previous address ( es ), since I have lived at two previous locations before my current one.
09/29/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 070XX
Web
Dear sir/madam XX/XX/2020 I had emergency situation and went to XXXX XXXX XXXX XXXX NJ . I just found there was unpaid bill send to collection agancy called amerifinancial solutions, Hospital I went was covered by my health insurance, I just found physician visited me at ER is out of network, this is very confusing, When you know Hospital you going is in network and doctor not. I never been told during my visit doctor was out of network, i gave them my insurance card before even I been entered for assessment. Doctor bill is {$570.00} and insurance is denying, XX/XX/2020 was pandemic period when hospitals didnt have enough doctors or staff. Please help me how I can dispute this bill.
08/12/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19142
Web
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
08/09/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • XXXXX
Web
On XX/XX/2020 I mailed a CRRR # XXXX to AmeriFinancial Solutions to the address listed on recorded on XXXX and XXXX for a verification of dept for two medical collections from XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX {$1200.00} and # XXXX {$1300.00} that have been placed on my credit reports. On XX/XX/XXXX. 2020 USPS noted " MOVED LEFT NO ADDRESS '' and return the item. I followed up letter that was mailed on XX/XX/2020. This 2nd notice to a different address listed was delivered and there has been no reply. Under the FDCPA a debt collector must provide proof of such debt. Amerifinancial Solutions has committed several violations by failure to reply and verify these debts.
09/21/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19146
Web
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
08/18/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33952
Web
I signed up in XX/XX/2021 to make three auto payments {$130.00} of a debt owed to an XXXX doctor. Today, XX/XX/XXXX, I receive an elert from XXXX XXXX that a derogatory collections note has lowered my credit score. I see it is XXXX XXXX and call them immediately. Their representative tells me : yes you are on a payment plan for XXXX, XXXX, and XX/XX/XXXX with one payment remaining, but since your plan is over 45 days we report it. At no time was I ever informed about this or I would have used a quicker plan. I would like to report this company for poor writen notice about their credit reporting processes. Supposedly, this derogatory credit item is to be removed in seven days.
10/11/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27616
Web
AMERIFINANCIAL SOLUTIONS-Account 's Date OpenedXXXX Account Current Balance : {$930.00} ( XXXX only ) AMERIFINANCIAL SOLUTIONS-Account 's Date OpenedXXXXAccount Current Balance : {$630.00} ( XXXX only XXXX XXXX XXXX-Account 's Date Opened : XXXX-Account Current Balance : {$1200.00} XXXX XXXXAccount High Balance/Original Balance : {$10000.00} XXXX XXXX-Account 's Date Opened : XX/XX/2023 XX/XX/2023 XX/XX/2023 Account Current Balance : {$640.00} {$640.00} {$640.00} ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info
09/10/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 287XX
Web Servicemember
On or around XX/XX/XXXX the company had agreed to remove items from my credit report due to the client could not verify the account, and in fact agreed that it was not mine. On XX/XX/XXXX the company, ameriso financial solutions posted the same accounts and have continued to post accounts that exceed the statute of collection and in some case the seven year limit for credit reporting. after speaking with the company they advised they had no idea what i was talking about but could not remove anything from my credit.I also asked why they posted duplicate accounts that were in fact not mine and also removed. Associate ask me not to call back and terminated the call.
05/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 35160
Web
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
08/18/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19138
Web
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, XXXX, and XXXX aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
09/14/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19142
Web
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the XXXX XXXX breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
02/09/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35023
Web
An account with AmeriFinancial Solutions showed up on my credit report for an account with XXXX XXXX XXXX XXXX XXXX. I sent a letter via certified mail to AmeriFinancial Solutions which the company received XX/XX/2020. The tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between the collection company and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect in my state. I have not received anything. This account is still reporting on my credit reports.
09/20/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35160
Web
I got an alert that XXXX XXXX added two accounts to my credit reports. I have not ever done any type of business with this company. They bought this debt from another collection company I did not owe which is not lawful and this company show be taken to court by the cfpb for putting false information on a consumer credit report.i am requesting validation made pursuant to the fair debt collection practices act and the fair credit reporting act along with corresponding local state laws. I am requesting validation that is competent evidence bearing my signature. showing that I have or ever have some contractual agreement obligation to pay XXXX XXXX.
06/14/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27513
Web
This company is reporting 4 medical bills on my credit report that are not supposed to be there. I requested validation in the form of a signed contract stating that I received direct service from them and would allow them to collect this debt. They could not provide me any signed documentation showing that I in fact owe them for the alleged debt. However, they did send me statements detailing specific health services that were completed with someone else which is a direct violation of my HIPPA rights and were not authorized to be released to or by any 3rd party. Alleged amounts owed : {$630.00}, {$630.00}, {$630.00}, {$930.00}
01/25/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27703
Web
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, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
05/28/2019 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • NJ
  • 077XX
Web
To whom it may concern at one point I owed money to Original Creditor Name XXXX XXXX XXXX XXXX XXXX than it got turned over to Amerifinancial Solutions which has called up non stop after I have told non stop to stop calling me with harassing phone calls ... I paid off the original company in cash which was a hospital. I no longer owe said debt. Back in XXXX I explained all this to someone at customer service and they said all of this would be taken care of and off my credit report files. As it is not accurate. Maybe someone did not put it in the computer that I paid. I do not know. I just hope this can all be cleared up.
07/16/2020 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
  • Their investigation did not fix an error on your report
  • LA
  • 70461
Web Servicemember
Almost 2-3 years ago this collection agency XXXX XXXX began sending me collection notice for a hospital bill that my XXXX paid for. The services were over 1-1/2 years old. XXXX told me there was no insurance information on file which was untrue. How did hospital get paid if no insurance. I have been going back and forth with them. The {$440.00} has negatively impacted my credit for years, even though Ive disputed it. I call and the number rings and then hangs up. Please help me I am a service connected veteran trying to get a home and this is impacting me tremendously. Blessings and Thank You, XXXX XXXX, XXXX, XXXX
06/08/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • XXXXX
Web
This is a medical debt for which I receive countless calls regarding payment. This is not the original debt for this medical bill and services received. I had XXXX in XXXX which was paid for by my health insurance as deductibles were met. This bill should not have been accrued and this has been explained to the debtor and collections several times. They continue to say we will investigate and respond which has not happened. This debt reflecting on my credit is causing additional XXXX and XXXX XXXX to my current situation. There have to be laws making this illegal to seek payment for inaccurate reporting.
07/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • NJ
  • 070XX
Web
For some reason, some time on XXXX, I started to received some letters regarding an alleged account with AMERIFINANCIAL SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, at that time I really did not know what to do and I forgot about it. Unfortunately, earlier this month, after pulled and reviewing my credit report, I found out that account with AMERIFINANCIAL SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX on my credit report, I have not idea of where this collection account is coming from, in other words, I am not the Debtor of this account. So I am requesting to remove it as soon as possible from my credit file.
11/19/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07728
Web Servicemember
I receive a collection notice for a visit to the Emergency Room of a hospital. Even though I submitted my insurance cards during my visit. It is astonishing that the hospital would place the bill with a collection agency and the collection agency would report the collection to the credit reporting company 's without billing any of my 3 medical insurance policies that I had submitted to the employees of the hospital during my visit. I would like this item to be removed from my credit report. They did not follow proper procedures by billing my medical insurance for the visit.
12/01/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34677
Web
This company has added 15 collections to my credit report in less than a month. I was in the process of getting a mortgage, and can no longer qualify for the lowest interest rates, since my credit score dropped 100 points. The debts do not belong to me. I have never been to a doctor, or hospital. I have even reached out to the original debt company, and they stated they have no records of mine. Ive asked this debt collector to provide me with any paperwork, in writing, but they refuse. They ask for me to call in. It seems to me like they have me confused with someone else.
07/07/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • XXXXX
Web
Amerifinancial Solutions of XXXX MD has been harassing me for over 6 months with repetitive calls from many different numbers. This was a debt created by identity theft. During the pandemic someone had opened bank accounts in my name, stole my unemployment by applying and receiving it all then i was unable to use the benefit and they obtained XXXX XXXX attention and now this company has harassed me relentlessly and its causing me XXXX. This is not my debt, I even had a police report created for ID theft of unemployment bank account and other services.
04/28/2020 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
  • NY
  • 11238
Web
I have two charges from two separate agencies in the amount of {$3000.00} each. I would like for you to remove one of the accounts from my credit report so i can increase my credit score to something fair instead of poor. Also Im trying to figure out why the amount was so high, when i got the court report from the management office it said that i owed XXXX dollars a month on a twelve year lease When i was evicted i only had five months remaining on the lease. Please respond to this e-mail and let me know the necessary steps i need to take. Thank You.
03/23/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • XXXXX
Web
Spoke with someone name XXXX, she refused to allow me dispute the bill, when I ask speak to a manager, she raised her voice at me and told me no.. i demanded to speak with someone else she cursed mea out and hung up the phone on me. I called back pressed 1 and got her on the phone again. she told me to pay my bill and she wasnt transferring me to anyone,, i asked her last name she told me no and I told her was gon na record the conversation she said that she from Maryland and she don ; t have to have her call recorded and kiss her XXXX and hung up
07/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 275XX
Web
A collection agency named Amerifinancial recently reported three collection balances on my credit report for {$400.00}, {$140.00}, and {$120.00}. Prior to these accounts appearing on my report, I received no notification of the debts whatsover. Amerifinancial never supplied me with a notice of my right to dispute, prior to reporting these debts, so they have violated my rights under the Fair Debt Collection Practices Act. And since they have reported these debts illegally, they are also in violation of the Fair Credit Reporting Act.
03/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 355XX
Web
Someone has being going to the ER using my name since XX/XX/2014. The police here in Alabama has just arrested the person, i contacted AmeroFinancial Solutions with all the documents they asked me to send in, which was only the Police Report. I called in after i submitted the police report and they informed me all of the accounts were closed. So i disputed the collection and they keep verifying its accurate, this company is a crook. Please have them remove this fraudulent medical collections from my credit report immediately!!!
12/17/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32835
Web
Amerifinancial Solutions is reporting multiple medical accounts on my credit reports. I have tried disputing and getting this company to validate these accounts that I have no knowledge of. They sent me someones bill but did not show proof that this debt is mine. There were no copies of identification ( ie drivers license or social security card ) no medical record showing what services were performed or the name of the provider. As Ive stated before these debts are not mine and need to be removed from all 3 of my credit reports.
11/04/2018 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
  • AL
  • XXXXX
Web
I just checked my credit report and XXXX XXXX have four accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXXi have never have a contract with these companies. i did not receive a dunning letter in the mail saying I have a right to dispute this debt. This company hold four accounts with my name social security number address date of birth without my permission which is identity theft.They bought these accounts from another collection company. This company needs to delete my personal information out the database.
10/24/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • DE
  • 19702
Web
HIPAA VIOLATION According to a recent copy of my credit profile AMERIFINANCIAL SOLUTIONS is reporting an alleged debt owed by me. I responded by sending a letter requesting validation of this debt to which their response is a clear violation of my rights according to HIPAA. AMERIFINANCIAL SOLUTIONS did NOT provide me a HIPAA release that releases my medical information to them. I am aware that HIPAA does allow for limited information but anything more is to only be revealed with the patient 's authorization. Acct # XXXX
01/31/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27520
Web Servicemember
Amerifinancial has two collection accounts one for XXXX and one for XXXX. At the time of service I had insurance and contacted them. When my insurance company XXXX reached out they told them they only saw the XXXX when I disputed with the CB they come back accurate. The XXXX has been removed from my XXXX but not my XXXX .. it appears to not be reporting correctly at all. I'd like this information to match across all reports. Per HIPAA and them not being about to provide information anything from them should be removed
08/27/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35160
Web
I just checked my credit report and XXXX XXXX have four accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXXXXXXi have never have a contract with these companies. i did not receive anything in the mail saying I have a right to dispute this debt. This company hold four accounts with my name social security number address date of birth without my permission which is identity theft.They bought these accounts from another collection company. This company needs to delete my personal information out the database.
01/08/2024 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30093
Web
I spoke with this company requesting a copy of original agreement, a copy of payments that was made on this account a copy of how and when they obtained this account a written notice of why this account from them has been placed on my credit report I was told they dont care what I say it on my credit and my score will and is being affected and they the next step is they will see me in court she laughed called me out my name and stated she will call everyday for a year and also notify my employer how I dont pay my bills
08/17/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27560
Web
I have tried contacting this company numerous times. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I left messages twice and the other times mailbox is full. I have also tried to correspond through the mail. I received the letter stating I owed a debt and I had until XX/XX/XXXX to dispute. I noticed this was added to my credit before XX/XX/XXXX and in attempts to resolve to debt no one would respond to me. I have insurance and I haven't been able to submit this due to not being able to reach anyone.
04/05/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32703
Web
I have sent a debt validation letter " TWO '' times on the following dates ( XX/XX/2022 and XX/XX/2022 ) and each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I have my receipt of the certified mail that my letters were delivered. Please delete this information from my credit file and cease all collection activities immediately.
04/16/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33311
Web
I am not liable for this debt with AmeriFinancial Solutions and do not have a contract with them. They did not provide me with any original documents or signatures like I asked. This debt was not properly validated. The problem is the company didn't provide the documentation that proves I owe anything. Where is the contract between the company and me? Where is the full accounting because I can't just take their word for it that I owe some company I've never contracted with, some made up number?
12/19/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19138
Web
I recently viewed my credit score and seen I have a hard inquire for an emergency room bill from a debt collector amerifinancial solutions for {$1400.00} that was opened on XX/XX/2021 Ive never received any letters regarding this collection. If i want mistaken I thought ER bills couldnt go in your credit due to hippa rules. Im unemployed and dont have that kind of money to pay. I went to the ER in XX/XX/2021 they should at least contact the person before effecting their credit in todays economy
07/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33060
Web
I spent money and sent a letter by certified mail receipt # XXXX to Amerfinancial XXXX. XXXX XXXX XXXX, MI XXXX I spent money to send this letter regarding this account and it was returned to sender. I later discovered that the address the creditor had listed on my credit report which Ive attached an image of Was inaccurate data and amerifinancial was providing a false address to reach them on your credit report. Therefore, Ive included a copy of the return mail and Im requesting a removal
12/09/2019 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
  • DE
  • 19702
Web
Follow Up to Complaint/ XXXX AMERIFINANCIAL responded to my complaint by stating that they never recieved a request for validation.I am resending this request along with photo proof of my request to the address that has been provided ( XXXX XXXX XXXX XXXX , MD XXXX ) I am also sending HIPAA violation letters to each of the credit bureaus which include my intentions to pursue litigation if this matter is not resolved and the damage to my credit profile has not been repaired. ACCOUNT # XXXX
05/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27610
Web
Pursuant 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 168 1B2. company also no permission to report ANYTHING using my pursuant 15 USC 16814. In accordance with the fair credit reporting act XXXX 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't furnish a account without my written instrctions
03/30/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 190XX
Web
For the past few months, I've been disputing this account. I have received no information from them, even though I've requested everything. they have continued to report the debt, even though they have not validated it, which is a violation of the FCRA and FDCPA. I do not know what this debt is for, and they have never sent me any validation. Please help me with this, I do not know what else to do, they are destroying my credit and my life! During a National Crisis, this is deplorable!
04/15/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33312
Web
This has been an ongoing issue with Amerifinancial for acct # XXXX {$1100.00} acct # XXXX also {$1100.00} I have repeatedly advised you this account doesnt belong to me yet your still reporting it. I even took the time out of my schedule to mail you my affidavit and your still reporting this account. For purposes for record Ive attached a copy of a return receipt indicating that this letter was received and signed for on XX/XX/22 please remove this account from my profile immediately
05/03/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27529
Web
I have been trying to get several medical bills removed from my consumer report. My information was shared without my permission violating several of my rights. There are XXXX accounts totaling {$4000.00}. Ive asked for verification of debts and have not received any. I have not supplied proof under the doctrine estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
08/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19111
Web
This company has been attempting to charge and collect amount from me by assigning this account to a different persona. I have made my part by reaching out to them and to the 3 major Bureaus. But to my surprise, I have not received any response from both parties. Thus, their act of negligence is highly not acceptable. I have made my research about this matter and by then the Bureaus have violated the Credit Reporting Act, 15 USC sections 1681i within the time set forth by law.
11/14/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32835
Web
Amerifinancial Solutions is reporting multiple medical accounts on my credit reports. I have tried disputing and getting this company to validate these accounts that I have no knowledge of. I have never allowed Amerifinancial Solutions to have access to my medical records. Thats is a HIPAA LAW violation, you should not have any of my medical records or personal identification. You can not validate this to me and all of these accounts need to be removed from my credit reports.
08/02/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35226
Web
Two collections items appeared on each of my credit reports ( XXXX and XXXX ) XX/XX/XXXX. The debits are claimed to be from XX/XX/XXXX, for {$50.00} and {$32.00}. I have no knowledge of these accounts. I called their ( AMERIFINANCIAL SOLUTIONS ) number ( XXXX ) provided on the credit reports. On the phone call, I provided my Information ( SSN, DOB, First and Last Name ), the person would not provide an account number or any information on the debit and hung up the phone.
08/22/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • XXXXX
Web
I contacted the Hospital 's when i found out someone was using my Identity to receive health care and they stated they would look into the problem and resolve it asap. I have filed a police report and also filed actions against the hospital for letting this happen. I'm a XXXX myself and know one knows how something like this could happen, unless the admitting nurse know the people and let them uses my name. I want this off my credit asap or ill be suing XXXX XXXX as well.
02/22/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IN
  • 46410
Web
These scam artists are attempting to collect {$150.00} they are not entitled to because the original creditor that this bill originates from was informed that all statements are involved in malpractice litigation. The reps who have contacted me about this bill are rude and blatantly racist. I also informed the agency that this bill is part of litigation and they hang up, make threats, or are aggressive. They reported it to my XXXX report and it needs to be removed!
11/08/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 303XX
Web
I am victim of identity theft. Multiple accounts all around the country have reported fraudulent accounts using my name. On XX/XX/XXXX, Amerifinacial solutions have reported fraud accounts using my name to the Credit Bureaus. The amount is showing {$880.00} from XXXX XXXX of XXXX. I contacted the company immediately after being notified by my credit monitoring service and the young man who I spoke at Amerifinacial failed to comply. My rights have been violated.
01/04/2021 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
  • NC
  • 27529
Web
I have been trying to get verification of these debts since XX/XX/2020 with no success. I sent each company letters and disputed with the credit bureau for unverified accounts, but each time the information was returned as being verified. I sent two letters to XXXX and one to XXXX XXXX. The first point sent a letter back saying they had nothing on file for me, but wanted me to send in paperwork with my name, SSN, Date of Birth, and have it notarized by a notary.
01/04/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29678
Web
I have tried for years, to tell all 5 of these derogatory medical " bills '', that XXXX XXXX would've paid these. They are all either false, or been paid in full by XXXX XXXX. And yet they still drag my name through the mud. It's kinda funny, that out of dozens or possibly hundreds of medical bills, these are the only 5, XXXX XXXX didn't pay for me. Ask XXXX XXXX in XXXX, NC how many years I was covered by XXXX. I'm sure all of these are in the same time frames.
08/07/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27519
Web
I recently checked my credit report and saw their was a collection under my credit report under Amerifinacial Solutions for the client named XXXX XXXX XXXX PA for {$140.00} reported on XX/XX/2019. I do not know of any XX/XX/XXXX nor have I ever received any bill or notice from this collection company that shows proper verification that I owe this bill. Under the FCRA the debt collector is required to send me a notice of collection and give me 30 days to respond.
04/01/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19121
Web
Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items in the attachment.
12/20/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 082XX
Web
This company does not have permissible purpose to furnish on my consumer report. They did not receive my written instructions. Furthermore, I do not have an account nor have I made any consumer credit transactions with XXXX. Thus, they are infringing upon my right to privacy by receiving my information from a third party. Moreover, this collections account is from a medical agency, and under federal law no consumer report shall contain any medical information.
03/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27610
Web Servicemember
Amerifinancial Solutions XX/XX/XXXX {$630.00} ( disputed no action ) XXXX XXXX XXXXXXXX XX/XX/XXXX {$710.00} ( disputed no action } XXXX XXXX XXXX XXXXXX/XX/XXXX ( disputed no action ) In accordance with the credit reporting act, these creditors have violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
08/27/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35160
Web
I RECEIVED AN ALERT FROM XXXX XXXX BECAUSE A COMPANY CALLED XXXX XXXX REPORTED AN ACCOUNT ON MY CREDIT REPORT FROM WHICH THEY PURCHASED A DEBT FROM ANOTHER COLLECTION COMPANY NAME XXXX XXXX XXXX XXXX XXXXXXXX XXXX.I DID NOT RECEIVE MY RIGHT TO DISPUTE THIS DEBT AND I HAVE NOT EVER HEARD OF THIS COMPANY BECAUSE I HAVE NOT DONE BUSINESS WITH THIS COMPANY AND THEY IS IN VIOLATION OF THE FDCPA AND NEED TO REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT REPORT.
01/25/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32818
Web
I sent in a letter around XXXX and gave this company 30 days to verify this debt they sent me a bill but it did not have anything about verifying the debt, 30 days later I sent them another letter to verify the debt because it had nothing to verify that the debt was actually mine ; and told they had 15 days but they never responded and its been almost three months ; the second letter was sent on XXXX/XXXXXXXX. The debt is in the amount of {$880.00}
01/02/2024 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30117
Web
I had an account summary to pay the hospital of XXXX dollars. When the number disappeared I did not receive anything from debt collectors through email or anything, one thing came in the mail but I live in another state for college. Due to this, the amount rose to XXXX dollars which does not make sense or explained. On the paper it says there was zero interest, and zero fees accumulated over this time, please fix the amount so I can pay a payment.
09/21/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 07601
Web
After requesting a copy of my credit report I found that Amerifinancial Solutions had placed a collection account on my credit report on XX/XX/XXXX. Previous to this I had not been contacted so I was never given the right to dispute the item. The amount is for {$350.00} for service that was rendered sometime in XXXX that had been previously disputed. I requested a copy of my credit report after I received an alert that my credit score had dropped.
09/13/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27511
Web
Collection company isnt license to collect debt in North Carolina. Their license expired as of XX/XX/XXXX and they recently started trying to collect in XXXX. I knew something was wrong when they rarely answered their phones. I got through a few times but after calling tons of times only to find that they arent license to collect. Attached photo of proof. Company : XXXX XXXX : Amount {$830.00} added to credit file account XX/XX/XXXX XX/XX/XXXX
07/08/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32763
Web Servicemember
In XX/XX/2020 I filed with XXXX XXXX and reported XXXX XXXX and their collector Amerifinancial Solutions about the fraud collection of {$1300.00}. I am a veteran and was sent a letter of data breech along with another data breech from XXXX some years ago. I have no idea what this debt is but I have sent a letter asking for it to be removed as this is fraudulent. They will not remove it. I also tried contacting the bureaus and they do nothing.
01/06/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32258
Web Servicemember
At the time that this account was opened I had insurance ( moped XXXX insurance ) that covers all emergency services that XXXX XX/XX/XXXX offers. But yet they still sent the account to collections ( Amerifinancial Solutions ). And also they did not ask my permission nor did I authorize them to share any of my personal information with Amerifinancial Solutions which is a direct violation of my HIPAA rights.The account number in question is XXXX
01/22/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32765
Web
I was contacted by AmriFinancial Solutions LLC, regarding a medical debt in collections. Please be advise I requested a validation of the debt from the collection agency, and I received a response that clearly violates my HIPAA rights, as they did NOT provide me a HIPAA release that releases my daughter 's ( a minor ) medical information to them. By providing such information, they are in VIOLATION of my and my daughter 's HIPAA rights.
07/12/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29527
Web Older American, Servicemember
My VA doctor ordered a XXXX test that was completed om XX/XX/2021. I have receiving bills for {$480.00} for XXXX XXXX. The VA is slow paying them so they sent me to COLLECTIONS. They want me to contact the VA and get them their MONEY. I'm not well and have A XXXX XXXX condition. They had me on hold for 10 minutes and then disconnected me. I informed them that under Law they must file their claim in 180 days or the VA will not PAY!
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32808
Web
In accordance with the fair credit Reporting act XXXX 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX
04/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 276XX
Web
In accordance with the fair credit Reporting act XXXX 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/01/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30101
Web
In accordance with the fair credit reporting act XXXX 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 a account without My written instructions 15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/07/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28645
Web
On XXXX XXXX I have an account from XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX, MD XXXX XXXX that showed up on XX/XX/XXXX. However this account was opened on XX/XX/XXXX ( 6 yrs, 2 mos ). I'm confused and do not understand how this account just showed up on my credit report I have not received any notification of this debt and have no recollection of it. I do not have the account number but the amount for this account is {$280.00}.
12/05/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 342XX
Web
I was looking over my credit score through XXXX and noted a derogatory claim I had never seen before. I reviewed it, and it claimed I owed XXXX dollars to Florida XXXX XXXX XXXX. The claim was reported by Amerifinancial Solutions. I have never been contacted by either of these organizations about this debt, nor have I ever utilized the services of Florida XXXX XXXX XXXX. I only learned about this claim reviewing my credit report
09/23/2021 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • PA
  • 19138
Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERIFINANCIAL SOLUTIO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
04/22/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32818
Web
I asked the company to provide accurate documentation proving that the debt was indeed mine and proof of an agreement between the company and me over the validity of the debt. Unfortunately, the information provided by the company consisted of personal medical information that was not approved to be released to this company. THIS IS A VIOLATION OF HIPAA AND I WANT THIS INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY!
07/11/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32177
Web Older American
This was a phony call and they used a phony last name, not mine. I have no debts that are unpaid and an excellent credit rating ~ 800. They have made robocalls repeatedly from various phone # s ( XXXX ) and asking me to call XXXX ( Amerifinancial ). I believe it is a scam. They are an extreme nuisance and It is likely they are doing this to many others, especially retired people. We have received several calls from them.
10/24/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • FL
  • 32837
Web
I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
10/04/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 347XX
Web Servicemember
Health insurance states hospital visit on XXXX XXXX, 2015 was not billed to the correct insurance company in the allotted time, therefore once claim was submitted, it was denied. The amount is {$1000.00}. I called the Health Insurance and was told to ask the collection agency to resubmit the bill. The collection agency said they already submitted it but was denied by Health Insurance because of the time claim was filed.
11/18/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27703
Web
There are approximitly 10 collection accounts with Amerifinancial Solutions which are not mine. The responsible party is the North Carolina Department of Public Safety XXXX XXXX XXXX XXXX. These bills were incurred while I was XXXX. You may contact the North Carolina Department of Public Safety, XXXX XXXX, Acting Controller for NCDPS and she will tell you I am not responsible and tell you how to get paid by them.
04/25/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KY
  • 40403
Web
I sent a letter to amerifinancial solutions LLC, XXXX XXXX XXXX XXXX XXXX XXXX, on XXXX asking them to validate a debt that I saw on my credit report. Instead of validating the debt, They sent me a letter on XXXX that contained my medical records with procedures and services done which I know is a direct violation of XXXX regulations. I never signed a XXXX form authorizing them to have access to this information.
03/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 787XX
Web
I have sent Amerifinancial Solutions multiple letters demanding they provide proof this debt is mine in the amount of {$42.00}. The debt collector has refused to acknowledge or offer a single shred of any information and continues to report inaccurate information to the bureaus and a debt that is not mine. I have contacted them multiple times and not a single response to my demand of validation of debt letters.
01/26/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 355XX
Web
The first complaint is for American Financial Solutions, they have a collection on my credit report from some kind of medical facility in XXXX, Alabama, which is somewhere that I have never been in my life, I have NEVER been to XXXX, Alabama. From XX/XX/XXXX to XX/XX/XXXX, i was in West Virginia. Please have them remove this inaccurate information from my credit reports immediately. This is not my medical bill.
08/05/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32811
Web
I have sent two debt validation letters to AmeriFinancial. The first validation letter was sent on XX/XX/2021. The company AmeriFinancial respond with a billing statement which did not valid any of the requested Information. The next letter was sent on XX/XX/2021 with was a failure to validate letter, the company did not respond in the 15 day timeframe. This company have failed to validate my debt each time.
11/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33064
Web
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
03/13/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19144
Web
In reviewing my credit report, I noted a medical debt and have attempted numerous times calling the company listed on my report to resolve it. I have called probably 8 times, each time am placed on hold for 20+ minutes by an automated system. I select the option for an automatic call back and they never call me back. I am trying in good faith to resolve the debt and receiving no reply from this company.
12/23/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07410
Web
Amerifinancial Solutions claims I have a debt of {$540.00} from XXXX XXXX. They placed the debt in the derogatory marks in XXXX, XXXX and XXXX. I have no such debt and they have not supplied me with proof. I had them removed from XXXX and XXXX. I submitted a complaint to them through XXXX and they were not removed. They have not supplied proof of this debt. They need to stop reporting this to XXXX.
01/27/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28715
Web
I received a letter from a company called XXXX. They have many complaints on the BBB. They are saying I owe XXXX for taking my child to the emergency room. I did take her but cleared up that bill completely a month ago. I called the hospital to double check that everything was paid. This company is commiting a crime. I don't have a lot of money and I'm trying to build my credit so I am scared.
12/07/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30309
Web
Amerifinancial Solutions at XXXX XXXX XXXX XXXX MD XXXX Phone XXXX has reported on my credit a collection with a past due amount of $ XXXXOpened on XXXX/XXXXXXXX, I do not know this company and I have never done business with this company. This company has nothing with my signature. I have disputed this company and have asked them to validate debt. This company has failed to validate debt!
11/17/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32810
Web
I received notification from XXXX XXXX that a new collection was placed on my credit report out of the blue so I checked it and found out that without any notice or dunning letters, Amerifinancial Solutions placed a debt collection on my credit report for {$460.00}. I had no knowledge of this debt and again, never received any notifications so that I could try and dispute this debt.
01/18/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33311
Web
Debt Collector : XXXX XXXX XXXX XXXX, 2016 ( 1 yr, 7 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} I did call the paramedic but when they showed up, but my daughter was fine and decided to drive her to the emergency room myself. They took my name and social anyways, and I asked why, they said just to make sure. And I said will I be charged they said NO.
02/11/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27526
Web
I have collections from medical bills Amerifinancial ( XXXX ) XXXX XXXX XXXX XXXX that I have informed them and sent proof that I had financial assistance at the time that covered cost 100 %. I have a credit card for XXXX XXXX XXXXXXXX that I filed a claim with stating it was fraud. This resulted in them sending it in as a charge off. Can you please contact me to assist XXXX.
01/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 350XX
Web
XXXX XXXX Is reporting negative information on all of my credit bureau reports. This account was paid to the original creditor by my insurance company and should never have been placed on collection and never be reported on my credit files. When I contacted XXXX XXXX they promised me that the accounts would be removed and nothing negative should be reporting on my credit reports.
08/07/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32818
Web
XXXX XXXX I was seen in the emergency room. During my dos my XXXX XXXX Was active. The provider had 365 to properly file the claim to render payment. This is a XXXX charge that has been billed to me inaccurately. if you are on XXXX The provider is to bill the state not the patient. By the provider/collection agency placing this on my credit violates XXXX policies/procedures.
02/07/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27603
Web
I sent a debt collection letter to this Amerifinancial Solutions In the month of XXXX of 2019 Basically, I was asking them to validate not verify the debt they say I owe, In a response letter what they sent me back was a violation of my HIPAA rights. Because I did not sign any HIPAA release form with XXXX XXXX XXXX, to share my information with the Amerifinancial Solutions.
05/09/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29621
Web
I had written a letter to Amerifinancial sent it registered so they had to sign for it. They did not reply to my letters they got the letter on XX/XX/2023 and is now XX/XX/2023. I gave them plenty of time to reply I was asking for proof that it was my debt and nothing. This is not the first time attempt with them. I am wanting this deleted from my credit report immediately.
07/15/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29615
Web
XXXX XXXX XXXX XXXX is stating that i visited the ER and are trying to charge me {$540.00} for a visit in 2014. I have not visited any ER in the last 13 years and have had medical insurance for the last 6-7 years. There is no way that i would have been charged for this visit any amount other than my copay if anything. But i did not visit any ER in the last 13 years.
05/15/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 287XX
Web Servicemember
Amerifinancial Solutions representing XXXX XXXX emergency med has me down for a medical collection in the amount of {$710.00} from XX/XX/2016. Since I have never received any services or have been nowhere within 200 miles of said business this is a fraudulent charge. I feel this is extortion. I have impeccable credit but I refuse to pay for something I do not owe.
01/26/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30813
Web
Company is in violation of multiple offenses under the Fair Debt Collection Practices Act. Company violated my consumer rights by exposing medical information. Company has committed identity theft by purchasing my information without my consent. Company is in violation of assigning an attorney to collect a debt from me XX/XX/2021 {$1100.00} XX/XX/2021 {$58.00}
08/24/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 61201
Web
The debt was to be payed by the father who the child lived with.. not the person who had no choice but to sign the paper so he could get treatment at the ER.. the child was on a vacation to Florida from iowa.. and this company XXXX XXXX for XXXX XXXX XXXX XXXX XXXX has taken my credit score down alot thats not right and I have never received a letter from them..
10/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 347XX
Web
" In accordance with a Fair credit reporting act [ XXXX XXXX ACCOUNT # XXXX has violated my rights. [ XXXX XXXX ACCOUNT # XXXX has violated my rights. Under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. "
03/28/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 350XX
Web
I sent debt validation letters to XXXX XXXX on XX/XX/2019. I received a response on XX/XX/2019. They did not send me proper debt validation. They only sent an itemized bill which in fact is a direct violation of my HIPPA rights. It included a diagnosis and treatment. An itemized bill is not proper validation as it is not a contract between myself and XXXX XXXX.
02/19/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34711
Web
This account has appeared on my credit report and, despite attempts to dispute, I have received no information proving I owe this debt. I was never in the emergency room in XXXX of 2017. I have had insurance at all times during the time they allege I incurred a debt. I am providing a true and correct itemized list of claims submitted on my behalf
10/12/2022 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
  • FL
  • 33068
Web
I requted XXXX to remove inaccurate reporting. Sent them copies of the request dated back XXXX with no futher updates from XXXX XXXX I loked at my credit report XXXX inaccurate accounts are still showing. XXXX XXXX sent improper validation Financial data ( 2 ) no response to my 30 day demand request XXXX no response to my 30 day demand request
06/07/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32773
Web
I sent AmeriFinancial Solutions a letter on XX/XX/2021 by certified mail ( XXXX XXXX XXXX XXXX XXXX ) I did not receive a response from AmeriFinancial so I submitted a second letter to Amerifinancial on XX/XX/2021 allowing AmeriFinancial plenty of time to respond to my request for validation well over 45 days in consideration of the pandemic.
01/11/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19119
Web
I have disputed these accounts many times, and have received nothing at all from Amerifinancial Solutions. This is a violation of the FDCPA and the FCRA. They have failed to validate the debts at my request, and failed to properly disclose their attempts to collect said debts! I need them to stop right now! I thought I had rights! HELP ME!
03/25/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27527
Web Servicemember
I have sent Amerifinancial many validation letters, the last one being sent XX/XX/2022, asking them to send me the information that verifies that this debt of XXXX belongs to me. I asked for information bearing my signature, that states that this my debt. I have asked for this on multiple occasions, and every time I have been ignored.
03/14/2017 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 358XX
Web
The amount owed to the account was {$65.00}. This account was paid in full via online payment processing on XXXX / XXXX / XXXX . I check my credit through a monitoring service and I see that this company has decided to split my payment and apply a portion of it to another account which leaves the account I was paying in full open.
08/04/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 350XX
Web
Amerifiniancial Solutions Medical debt XXXX They did not reached out to me about this debt when I finally got in contact with them about this debt and asked for validation of the debt they couldnt give me any information and still didnt send me anything about this debt but is still reporting even after I tried to dispute it on mine
09/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33619
Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
05/25/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27804
Web
Amerifinancial Solutions at XXXX XXXX XXXX, XXXX, MD XXXX has been sending me collection notices in the total amount of {$670.00}. The collection has been reported as a past due balance. 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.
03/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Unexpected or other fees
  • NC
  • XXXXX
Web Servicemember
I was reviewing my credit report and I found a bill from XXXX XXXX that was sent to collections on the dates that it was acquired I had full medicaid and shouldn't have the collection more than. One dispute has been entered and they refused to remove and submit a claim for my insurance it is therefore not a valid debt
12/30/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • XXXXX
Web
Received mutiple from company stating the debt was removed or deleted XXXX and XXXX. Every few months they post the inaccurate debt back on my credit report or report it back to the credit bureaus. It's continuously reporting negative and inaccurate data which prevents me from attaining approvals and new credits
09/25/2022 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
  • NJ
  • 08831
Web
I have a medical collection from Amerifiancial solutions for {$630.00} on my experian and XXXX report. I havent been to a medical provider in over 20 years. I disputed it 3 times and still there. Also I contacted collection company and asked for a bill in my name that led to collection and never received anything
02/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 074XX
Web
I just received an email from my bank today and it says that it looks like your account with AMERIFINANCIAL SOLUTIO received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. I don't know subject company, neither a balance I need to pay.
07/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32707
Web
I have written to Amerifinancial, XXXX XXXX XXXX, and XXXX XXXX several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. AmerifinanciaXXXX continues to report this inaccurate and unverifiable information. See attached excerpts from my most recent credit report.
12/22/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34787
Web
Amerifinacial solutions has reported to my credit report 3 times. for 3 different amounts. {$880.00}, {$970.00}, {$970.00}. I have asked them for verification of what they claim I owe since Ive had no knowledge of this and they refused to respond. I have sent several letters and got nothing back.
04/27/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35160
Web
Amerifinancial solutions is reporting accounts on my XXXX report. The address XXXX is listing for, XXXX to contact them is not A GOOD ADDRESS. I sent company a validation letter and received envelope back stating no account. How am I able to get this date validated if I ca n't reach them?
05/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27253
Web Servicemember
In accordance with the Fair Credit Reporting Act, AMERIFINANCIAL SOLUTIONS has violated my rights. 15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
02/08/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21216
Web
I checked my credit report this year to see there was an open claim from a debt collector XXXX XXXX on XX/XX/2015 for {$600.00}. I do not recall being at XXXX XXXX for treatment, nor did I receive notice of this outstanding debt. Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
03/10/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27610
Web
I received notice that 4 collection accounts from AmeriFinancial Solutions were placed on my credit files. The company did not verify the debt was valid and belongs to me prior to placing the accounts on my credit profiles. This company is in violation of the FCRA standards.
04/06/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27502
Web
XXXX XXXX has seen letters to remove. AmeriFinancial Solutions , LLC has added 2 transactions to my credit reports and have NEVER contacted me prior to posting to my credit report. Whomever they are collecting a debt for has NEVER contacted me because I do not owe anyone!!
10/03/2022 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
  • NC
  • 27616
Web
Ive disputed this issue with XXXX on numerous occasions. These collections do not belong to me. Ive never signed any agreement or done any business with this company. The following dates are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/04/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35235
Web
While viewing my credit report, I noticed a debt that does not belong to me. Amerifinancial Solutions is reporting unverified incorrect information on my credit report. I do not recognize the debt that they are attempting to collect. This is causing unwanted stress.
07/06/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33064
Web
I have a situation with about amerifinanancial solution I never have any contract with them and my personal information are liked to them I say that not me I would like they enforced them to remove my personal information to them I see I owed them More than XXXX $
05/03/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 287XX
Web
I have a collection from AmeriFinancial Solutions , LLC dated ( XX/XX/2020 ) asserting a debt in the amount of ( $ {$570.00} ). This is currently reporting on my credit and it shouldn't be. I have reached out multiple times and have yet to get a response.
05/03/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 287XX
Web
I have a collection from AmeriFinancial Solutions , LLC dated ( XX/XX/2020 ) asserting a debt in the amount of ( {$300.00} ). This is currently reporting on my credit and it shouldn't be. I have reached out multiple times and have yet to get a response.
03/19/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 295XX
Web Servicemember
This was an approved visit to hospital by the XXXX XXXX. The VA has communicated with the hospital and has paid. After speaking with VA and hospital it was clear that Radiologist billed incorrectly. VA has already spoken to them about proper procedures.
07/09/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27610
Web
I have successfully disputed this account and had it removed from my credit files. It recently showed up again on both my XXXX and XXXX credit reports XX/XX/2019 with no notification to me. Its using 2 company names XXXX and Amerifinancial Solutions
07/15/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33570
Web
This collection agency ( AMERIFINANCIAL SOLUTIO ) has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of PHI. I demand this account is deleted immediately from my credit report.
05/24/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32811
Web
A debt verification letter was mailed to Amerifinacial solutions. In turn they mailed a bill which contained a diagnosis code of my visit. I did not authorize amerisolutions to obtain my health information and thus is said to be a HIPPA violation.
11/20/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34786
Web
Company AMERIFINCIAL SOLUTIO was advised that I was an identity theft victim by phone on XX/XX/2019 collections agent stated that the company would not remove derogatory medical account # XXXX collection opened XX/XX/2019 this account is fraud.
06/18/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 064XX
Web
I was seen in the emergency room at XXXX XXXX XX/XX/16 my insurance company XXXX XXXX XXXX paid the bill and I have a copy of the letter from my insurance company stating that I am not responsible for the bill XXXX XXXX
07/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27560
Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
07/01/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 341XX
Web
I have disputed these medical charges multiple times now. I've given them the XXXX/XXXX XXXX I had during this time that's is responsible for these charges and with no response or haven't removed off of my credit report.
03/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NJ
  • 074XX
Web
XX/XX/22 XXXX says that Ameri financial solutions collection is valid. I paid off the collection with the original creditor in early XXXX. XXXX XXXX XXXX XXXX had my wrong name and address. Thats why I never go the bill.
02/15/2023 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 339XX
Web Older American, Servicemember
was admitted to hospital I'm XXXX miles away and the VA is the one who pays the bill and they did ; nt i gave the company the va # and told them medical is not supposed to be on my report they won't remove what do i do.
06/10/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WV
  • 26301
Web
On XX/XX/2019 an account was added to my credit report by Amerifinancial Solutions in the amount of {$37.00} from 5 yrs prior. I didn't receive notice of right to dispute and have no knowledge of the account.
09/07/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 295XX
Web
This is not mine. I have never been to XXXX XXXX in my life, don't even know who or where it is. There has been a fraud alert placed on credit report and this company is damaging my life and breaking the law
11/16/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32808
Web
On XX/XX/2021 I filled a request to validate debt to Amerfinancial solutions certified mail. Amerifinancial did not respond in the 30 day period. Also they never responded. The debt amount is XXXX dollars.
12/29/2020 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
  • NC
  • 27529
Web
I sent out multiple debt validation letters to Amerifinancial, XXXX, or XXXX XXXX. I have sent out multiple letters to XXXX XXXX with no response. XXXX responded saying that they could not find my account.
10/15/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • FL
  • 34787
Web
After my time being hospitalized I was unable to work and had no income. I contacted the company about making installments to pay my medical bills. I did as much as I could afford and it was paid in full.
10/22/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33967
Web
Amerifinancial Solutio originally XXXXXXXX XXXX XXXX XXXX XXXX was opened on my credit report as of XX/XX/2020 in the amount of {$1400.00}. I have no knowledge of this debt and it does not belong to me.
09/22/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32829
Web
I did not receive any notice of this debt showing on my credit report until I seen my credit drop due to this unrecognized debt occurring on my credit report. I had no prior knowledge I had owed debt.
01/14/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 295XX
Web
On XX/XX/XXXX I filed a complaint with the cfpb and this company responded quickly saying that this account would be deleted. However it is now XX/XX/XXXX and it has yet to be deleted from my credit.
04/09/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19144
Web
AMERIFINANCIAL SOLUTIONS has placed a collection on my profile. I have asked for debt validation several times with signed originals. They have not provided it nor removed the negative information
11/08/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • XXXXX
Web
This was closed by Amerifinanancial close this complaint and did not explain why they close the complaint. Please advise of your action on this complaint so I can take further action if I need to.
07/26/2022 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 32818
Web
A company that have appeared on my credit repot by the name of AMERIFINANCIAL SOLUTIO XX/XX/2022 In the Amount of {$1100.00}. I am lead to believe there real name is American financial solutions
01/04/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32835
Web
today XXXX I got a Credit alert on my Bank app saying that I had a Mayor derogatory cause by an account with a company named { Amerifinancial Solutio. but i have never contact this company.
12/29/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 352XX
Web
Company say a check was sent by mail and I never knew about or received anything. I repeatedly asked for my signature showing I agreed to it but yet I never got anything showing my signature
05/30/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 352XX
Web
XX/XX/XXXX {$1200.00} XX/XX/XXXX $ XXXX {$1200.00}, XX/XX/XXXX {$420.00}. These accounts as cause me financial ruin. I have no knowledge of these accounts. They are result of identity theft
11/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 10956
Web
I filed a dispute in regards to accounts on my credit report that do not belong to be. It has been beyond 30 days and I have not received any results regarding my investigation.
08/21/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32808
Web
XXXX XXXX XXXX XXXX, XXXXCOLLECTIONSERVICES Original creditor. this company just show up on my credit report i called them several times however they still not removing it.
05/21/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29456
Web
Im not sure as to why Im paying XXXX dollars in order for an ER to refer me to a physician specialist that I have to get in order to complete my recovery from a XXXX XXXX
12/09/2020 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
  • Investigation took more than 30 days
  • FL
  • 33060
Web
I have filed a dispute on XX/XX/2020 in regards to the incorrect items on my credit report, it has been well over 30 days and haven't received any investigation results.
10/21/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27587
Web
RECEIVED NOTIFICATION THAT COLLECTION WAS PLACED ON MY CREDIT FILES. NO INFORMATION TO VERIFY OR VALIDATE THE DEBT WAS OWED BY ME. THIS IS IN VIOLATION OF FCRA.
11/24/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21234
Web
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.
06/05/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 356XX
Web
Supposedly, the case was open on XX/XX/2014. The debt amount is {$1200.00}. I was in XXXX XXXX and I wasnt aware of the situation being filed on my credit.
11/30/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27403
Web Servicemember
HIPPA, protection of privacy and medical records Violations, No Responses even after 30 Days. It's not my bill or debt. Please update your file to delete.
06/13/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34293
Web
I have no idea what these two collection items are for. I pay my bills and I have never even been late. I tried calling and no one will tell me anything.
09/20/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32835
Web
I have not received an itemized bill of what theyre saying I owe. Also, AmeriFinancial Solutions is not licensed to collect in the state of Florida.
08/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28786
Web
Victim of identity theft, fraudulent accounts appear on my credit report already disputed. Wish to use this as a formal statement to have removed.
04/14/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35211
Web
Was not aware of the XXXX XXXX that was placed on my credit report. XXXX XXXX {$410.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX {$840.00}
08/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30350
Web
Inaccurate AmeriFinancial Solutions account reported on my XXXX credit report. Account was opened on XX/XX/2021 in the amount of {$870.00}.
05/04/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27587
Web
Received a letter from Amerifinancial Solutions advising of collection amount in {$630.00} and not verifying the debt was owed by me.
10/03/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • FL
  • 33065
Web
I had health insurance at the time of my hospital visit. I should not be getting charged for the services I received at the hospital.
02/09/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30127
Web
This is illegal and should not be reporting on my credit XXXX Amerifinancial Solutions XXXX : XXXX Acct # XXXX Medical Payment Data
09/17/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32505
Web
This is not my dept I have disputed this several times XXXX is the only agency with this dept on my report and I want it deleted
01/02/2018 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30253
Web
robo calling and asking for XXXX XXXX however keep me on hold then hang up. I have not business relations with XXXX XXXX
02/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27587
Web
This debt was incurred due to fraudulent charges, which according to XXXX XXXX XXXXXXXX XXXX policy I am not liable.
07/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NC
  • 27616
Web
I am not associated the address in file that attached to my credit report and my name is incorrectly spelled.
08/18/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32811
Web
I have been writing letters since XX/XX/2021 and I didnt receive any information to verify the debt.
04/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60440
Web
Due to being a victim of identity theft I have a collection account with Amerfinancial solutions.
03/08/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 36116
Web
I have a fraudulent account on my credit report that I have never heard of.
07/07/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33441
Web
The following debt doesnt belong to me and i did not authorize this debt.
06/24/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32808
Web
This account is reporting to my credit report that s not mine.
02/28/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44035
Web
Debt showing on my credit report and its not mine.
12/03/2020 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
  • Investigation took more than 30 days
  • FL
  • 32839
Web
Investigation took more than 30 days
08/27/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32811
Web
That account does not belongs to me
02/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27896
Web
I am a victim of identity theft.
05/23/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 152XX
Web
I have never received services.
10/27/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 440XX
Web
Try to collect a bill not mine
01/16/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33615
Web
This is not my debt
01/09/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19464
Web
01/05/2024 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08016
Web
01/03/2024 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33897
Web
12/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33844
Web
11/15/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77054
Web
10/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34747
Web
10/05/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19464
Web
09/27/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34772
Web
08/21/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37040
Web
08/01/2023 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
  • PA
  • 19013
Web
07/17/2023 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NC
  • 27617
Web
07/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 34744
Web
07/05/2023 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
  • Was not notified of investigation status or results
  • FL
  • 34741
Web
06/29/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34714
Web
06/05/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32818
Web
05/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34744
Web
04/06/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27406
Web
04/06/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27406
Web
03/29/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32701
Web
03/29/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32701
Web
03/26/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27612
Web
03/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 38449
Web
03/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19142
Web
02/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33304
Web
02/19/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33060
Web
02/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20747
Web
02/01/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 40356
Web
01/30/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30344
Web
01/27/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19116
Web
01/20/2023 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07506
Web
01/10/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34772
Phone
01/08/2023 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • FL
  • 33897
Web
01/05/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07071
Web Referral
01/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32808
Web
12/29/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36110
Web
12/27/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30324
Web
12/26/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30622
Web
12/06/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27617
Web
12/04/2022 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
  • GA
  • 30341
Web
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • SC
  • 293XX
Web
11/30/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34711
Web
11/29/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27616
Web
11/29/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32301
Web
11/19/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • FL
  • 33948
Web
11/19/2022 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • FL
  • 33983
Web
11/19/2022 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
  • FL
  • 33415
Web
11/18/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27529
Web
11/12/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32780
Web
11/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08055
Web
11/04/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32839
Web
10/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19140
Web
10/19/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • KY
  • 40444
Web
10/12/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29621
Web
09/22/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30341
Web
09/02/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27591
Web
08/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34788
Web
08/08/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31568
Web
08/02/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27713
Web
07/29/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27406
Web
07/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33445
Web
07/16/2022 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
  • AL
  • 36117
Web
07/13/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34787
Web
07/08/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34760
Referral
07/08/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34788
Web
07/05/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33837
Web
06/14/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27591
Web
06/04/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32708
Web
05/25/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NJ
  • 08046
Web Referral
05/18/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29579
Web
05/05/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32824
Web
04/24/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • HI
  • 96792
Web
04/20/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • HI
  • 96792
Web
04/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32301
Web
04/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33309
Web
03/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 27524
Web
03/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19119
Web
03/02/2022 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • NC
  • 27616
Web
01/29/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32712
Web
01/28/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27596
Web
01/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 34744
Web
01/13/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • FL
  • 33309
Web
01/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28305
Web
01/13/2022 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
  • FL
  • 33317
Web
01/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32836
Postal mail
01/06/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32808
Web
12/29/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 27614
Web
12/18/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30328
Web Servicemember
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
  • Investigation took more than 30 days
  • TX
  • 75219
Web
11/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33068
Web
11/15/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77449
Web
11/06/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32805
Postal mail
11/04/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 35040
Web
11/01/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33463
Web
10/24/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28301
Web
10/24/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28301
Web
10/24/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28301
Web
10/24/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28301
Web
10/24/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28301
Web
10/24/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28301
Web
10/20/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32832
Web
10/06/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NC
  • 27611
Web
10/06/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29621
Referral
10/05/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27822
Web
10/01/2021 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
  • NC
  • 27610
Web
09/28/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28081
Web
09/28/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33982
Web
09/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32808
Web
09/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19508
Web
09/22/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27604
Web
09/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27614
Web
09/06/2021 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
  • GA
  • 30293
Web
09/01/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27545
Web
08/31/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27537
Web
08/26/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27546
Web
08/26/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27891
Web
08/24/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29621
Web
08/24/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33304
Phone
08/17/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29440
Web
08/11/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • SC
  • 29607
Web
08/10/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19126
Web
08/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • AL
  • 35160
Web
08/05/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33064
Web
08/03/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34761
Phone
08/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33314
Web
07/23/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32818
Web
07/22/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35208
Web
07/19/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29205
Web
07/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 27610
Web
07/15/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27801
Web
07/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33311
Web
07/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27610
Web
07/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27610
Web
07/05/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30080
Web
06/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30168
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
  • FL
  • 33009
Web
06/18/2021 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
  • Was not notified of investigation status or results
  • AL
  • 35209
Web
06/15/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34772
Web
06/15/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32805
Web
06/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32812
Web
06/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27606
Web
06/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27520
Web
06/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27603
Web
06/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27609
Web
06/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29554
Web
06/03/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33064
Web
05/26/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28704
Web
05/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32824
Web
05/18/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33004
Web
05/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32837
Web
05/12/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 35216
Web
05/11/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19131
Web
05/03/2021 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
  • FL
  • 33952
Web
05/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27606
Web
05/03/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34266
Web Older American
04/27/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NC
  • 27707
Web
04/24/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34711
Web
04/23/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 27576
Web
04/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34474
Web
04/13/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32771
Web
04/11/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33066
Web
04/09/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27896
Web
04/09/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 344XX
Web
04/08/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • GA
  • 30340
Web
04/07/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32780
Web
04/01/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19121
Web
03/20/2021 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
  • NC
  • 27523
Web
03/18/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30096
Web
03/17/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 40476
Web
03/11/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30346
Web
03/08/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33060
Web
03/07/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35630
Web
03/05/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32832
Web
03/05/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 71202
Web
03/02/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32805
Web
02/24/2021 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 32832
Web
02/23/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 08062
Web
02/22/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 32832
Web
02/22/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27597
Web Older American
02/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27603
Web
02/08/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48082
Web
02/03/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • KY
  • 40468
Web
02/02/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32805
Web
01/27/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19134
Web
01/21/2021 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 27523
Web
01/21/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32707
Web
01/10/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27611
Web
01/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33069
Web
12/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19120
Web
12/17/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • 350XX
Web
12/14/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
Phone Older American, Servicemember
12/01/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07506
Fax
11/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19013
Web
11/25/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34473
Web
11/25/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30308
Web
11/19/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • GA
  • 30643
Web
11/18/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27545
Fax
11/17/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08046
Fax
11/13/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07721
Fax
11/06/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07107
Fax
11/03/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32818
Web
10/28/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19132
Web
10/13/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32839
Web
09/28/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32714
Fax
09/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33441
Web
09/25/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32808
Fax
09/17/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32818
Fax
09/17/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32801
Web
09/15/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27604
Web
09/15/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32808
Fax
09/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27545
Web
09/12/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28806
Web
09/03/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KY
  • 40468
Web
09/03/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27712
Web Servicemember
08/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32808
Web
08/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34711
Web
08/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29527
Referral
08/24/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33076
Web
08/17/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44052
Web
08/13/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29527
Postal mail
08/07/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33304
Web
08/07/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34711
Web
08/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32814
Web
08/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35215
Web
07/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33311
Web
07/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33069
Web
07/12/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76542
Web
07/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 34711
Web
06/30/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33069
Web
06/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34994
Web
06/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11516
Web
06/07/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 35206
Web
06/05/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29605
Web
06/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30066
Web
05/29/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
05/26/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30043
Fax
05/20/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27703
Web
05/04/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35601
Web
05/02/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19118
Web
04/26/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07508
Web
04/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33076
Web
04/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33076
Web
04/12/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30106
Web
04/06/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28803
Web
03/18/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 34711
Web
03/15/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27502
Web
03/03/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28806
Web
02/28/2020 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
  • Investigation took more than 30 days
  • PA
  • 19138
Web
02/10/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DE
  • 19962
Web
02/03/2020 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 316XX
Web Servicemember
01/23/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 19426
Web Servicemember
01/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07726
Web
01/05/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34711
Web
01/03/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19126
Web
12/27/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • DE
  • 19809
Web
12/18/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27513
Referral
12/15/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33069
Web
12/13/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27520
Web
12/06/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32839
Web
11/11/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31405
Web
11/04/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 27330
Web
10/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29223
Web
10/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30040
Web Older American
10/11/2019 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
  • TX
  • 76542
Web Servicemember
10/07/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07726
Web
09/22/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08204
Web
09/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29678
Web Servicemember
08/21/2019 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
  • CT
  • 06708
Web Older American, Servicemember
08/16/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32821
Web
08/14/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • FL
  • 34753
Phone
08/03/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35474
Web
07/17/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34714
Web
06/07/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
06/06/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34610
Fax
05/14/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34758
Web
05/13/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 35064
Web
05/09/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
Phone
05/08/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19362
Web
05/07/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32922
Web
04/29/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32955
Referral
04/23/2019 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33062
Web Servicemember
04/06/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NJ
  • 07506
Web
03/05/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 350XX
Web
02/07/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33063
Web
01/29/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 33321
Web
01/21/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37379
Web
01/18/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32810
Web
01/15/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 35115
Web
12/31/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07106
Fax
12/20/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28805
Web
12/17/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07508
Web
12/14/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
12/14/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07508
Web
12/12/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07508
Web
12/03/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27529
Web
11/30/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
Phone
11/08/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28739
Web
10/31/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32746
Web
09/18/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • GA
  • 30328
Web
09/12/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44052
Web
09/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 07731
Fax
08/31/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33064
Web
08/28/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35630
Web
08/28/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33313
Web
08/28/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
Phone
08/17/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33351
Web
08/10/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34711
Web
07/03/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 07607
Referral
04/30/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06605
Web
04/04/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IA
  • 50266
Postal mail
02/11/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27610
Web
02/09/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 34711
Web
02/09/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 34711
Web
01/25/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34759
Web
01/19/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NJ
  • 07417
Web Servicemember
01/14/2018 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IA
  • 52639
Web
01/08/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MO
  • 65270
Web
12/24/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32809
Web
10/24/2017 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
Phone
07/27/2017 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33605
Web
07/24/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • RI
  • 02882
Phone
07/05/2017 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
Phone
03/27/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 07042
Referral
03/24/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 35080
Web
03/21/2017 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30016
Web