MJ Altman Companies, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 344XX	Web	Older American
This complaint is against a collection company : MJ Altman, XXXX XXXX XXXX XXXX, XXXX FL XXXX. XXXX. On or about XX/XX/XXXX, I received a call from a doctors office advising that they could not provide me any medical services, due to a past due bill that had went to collections in XXXX. I inquired why wasn't I notified previously by the Dr. 's office that this bill was owed. The billing agent became very defensive ( refused to provide her name ) and began to yell advising if I had any questions I needed to contact the above listed collection agency. I contacted MJ Altman on XX/XX/XXXX, and spoke with Rep. Ms . XXXX, who advised any collections that was over 7 years old would have been removed from their records as well as removed from my credit reports. Ms XXXX did inform me that there was a collection amount pending of {$110.00} that was due since XX/XX/XXXX, from creditor XXXX XXXX. I informed Ms XXXX that the collection amount could not have been owed, because I did not receive any bills or notifications from XXXX XXXX, or MJ Altman indicating this debt was ever owed. I also mentioned this collection had not been listed on any of my credit reports throughout XXXX to present date. ( XXXX, XXXX, or XXXX. ) I also informed Ms XXXX that I frequently check my credit scores via XXXX, XXXX, XXXX and XXXX XXXX and I get a copy of my credit report every two years and never had I seen this alleged debt owed. Had it been listed I would have reached out to the collection company to learn more about this debt and if need be to pay the debt if I owed it. Throughout the years since XXXX, I have utilized XXXX XXXX for XXXX, XXXX and other XXXX and I was never informed that I owed them a bill. I informed Ms XXXX that I would like to contact the credit companies and receive an updated credit report to examine my reports for this debt. I contacted XXXX, XXXX and XXXX by phone and requested copies of my reports. Only the agent from XXXX by the name of XXXX advised that the collection amount of {$110.00} was recently added to the file on XX/XX/XXXX, from MJ Altman Companies. He advised he did not see where it had been previously reported. I filed a dispute with XXXX against the listed amount and I am awaiting a response to the dispute. I recently received all 3 credit reports and I only located the above debt listed on the XXXX report, indicating the collection amoun t was reported XX/XX/XXXX. For the past several years I have worked diligently to maintain a XXXX and above credit score with each credit bureau, making timely payments and following guidelines to maintain good credit. On XX/XX/XXXX I received an email from XXXX XXXX reflecting my XXXX score as XXXX and my XXXX score listed as XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX, showing my XXXX score remained XXXX, but my XXXX score had dropped 92 points to XXXX, with no reason given for this decrease. Looking at the XXXX credit report from XX/XX/XXXX, it had to be because of this 6 year old debt of {$110.00}, that I had never been notified of previously that decreased my score Can you advise what are the protocols that companies ( creditors ) and Collection Agencies are to follow once the Creditor knows that a bill is due prior to them sending the bill to collections and once the collection agency receives this debt owed what is their protocol to collect a debt? Shouldn't there be some written records of their attempts to collect a debt? Shouldn't the consumer be notified that the debt is owed in a timely fashion? Is it appropriate for the collection agency to add this debt to the credit bureau 6 years after they were notified of the debt?
05/27/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 344XX	Web
In XXXX I contracted with XXXX XXXX XXXX XXXX and my 1st appointment was XX/XX/XXXX and my last appointment was XX/XX/XXXX. WhXXXX XXXX XXXX XXXX XXXX told the Dr . I have NO insurance and would pay cash for each visit and he needs to let me know what that bill is so I had 7 visits the 1st was {$250.00} and they told me that by phone so I had that cash ... they estimated the other visits they were going to be either XXXX or XXXX so I made sure I brought in XXXX each time. Unbeknownst to me they were collecting payments for XXXX XXXX and not the doctor himself ... so there WAS a disconnect by XXXX XXXX XXXX. I received a bill from XXXXXXXX XXXX office on XX/XX/XXXX and was confused because it resembled the payments I had already made ... so I kept asking where are the cash payments I made? Finally I went to see XXXX XXXX in person and he explained how the billing worked ... so I had brought cash to pay him ... the date was XX/XX/XXXX. XXXX XXXX noticed that I WAS still dealing with my leg issue and said he would accept {$500.00}. as Payment in full and gave me a receipt to that affect. He also told his office. I got another bill on XX/XX/XXXX and it did not indicate the payment I made so again visited XXXX XXXX IN PERSON on XX/XX/XXXX brought his billing office bill and the receipt he gave me and asked if he changed his mind ... He said No and that he would talk to billing right away and have it XXXX out. I then got a bill on XX/XX/XXXX from this Company called MJ Altman ... called XXXX XXXX billing office and they said it was a mistake and they would take care of it. MJ Altman also filed with the credit bureaus so I disputed the information and it was removed. Now here we are in XX/XX/XXXX and I am alerted by XXXX that MJ Altman has filed a debt collection on my credit report. This Company is wasting my time, attempting to RUIN my credit ranking ( and succeeding I might add ) after they have been shown by me and told by the so-called Client Company ( XXXX XXXX XXXX ) that there is NO debt owed. This Company is a " scam '' as far as I can tell and/or preying on people who may have forgot the details on an account they claim they are seeking to collect debt for. I called XXXX XXXX XXXX and they said they did NOT authorize MJ Altman and canceled any future agreement and would call them and tell them to " Cease and Desist '' I am writing this complaint as they were told there was NO debt in XXXX ... so why did they reopen the account 2 years later ... and will they do it again in 2 years? They have already decreased my score and are publicly tarnishing my reputation. Do I have a right of redress against this company as what they are doing is harming me and my reputation and I WILL not tolerate that.
03/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 344XX	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX M J ALTMAN COMPANIES I XXXX M J ALTMAN COMPANIES I 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 M J ALTMAN COMPANIES I XXXX M J ALTMAN COMPANIES I 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 Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, 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 SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
12/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33040	Web
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Attention dispute department : M J ALTMAN COMPANIES I 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 M J ALTMAN COMPANIES I 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 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 XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
03/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34471	Web
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX M J ALTMAN COMPANIES I 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 M J ALTMAN COMPANIES I 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 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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
10/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 344XX	Web
aBURNS, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX COMPANIES I XXXX XXXX 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 COMPANIES I 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 XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
12/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 344XX	Web
ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX M J ALTMAN COMPANIES I 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 M J ALTMAN COMPANIES I 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 Portfolio Recovery Associates, LLC 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
05/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33578	Web	Servicemember
MJ Altman company in XXXX, is reporting delinquent on an account that I already paid, it was paid through my lawyers submittal of the bill and my insurance company, despite the fact I sent them the bill showing it was paid, they refused to remove it form my credit preventing me from getting my VA loan on my house as I am a XXXX veteran, all my bills are paid through my lawyer who also sent me a snapshot of the bill that was paid through XXXX payment system through XXXX in which I submitted to them and they refused to remove it from my credit. They keep arguing with my lawyer and me and continueously ask for more personal information not needed which makes me worry they want too much information for, I sent the bill to them and the proof of payment and account info and the amount credited shows a XXXX balance as the full amount was credited yet they still refuse to remove it from my credit after much proof. I had three accounts not valid put things on my credit the month I was closing on my house and got denied for the VA loan and not one of them are valid and they refused to remove it from my credit. I have one report filed and have to file another report as well as they both refused to remove what is not mine or not valid from my credit. I totally had my credit destroyed by thieves as I had a XXXX credit score and I have been robbed and even forced into a chapter XXXX and these things or crooks are destroying my credit, I worked really hard and value my credit rating and it got destroyed. by jealous people. I am XXXX from the XXXX and XXXX and earned my benefits that others keep relentless destroying or trying to take from me in one way or another. this is the 2nd complaint and I have one more, all posted in the month of my closing. MJ Altman is a third part to fire and rescue in XXXX XXXX emergency after I got hit by a car they were supposed to fix the issue but I was told MJ Altman is a third party and they dont deal with them, I must fix the problem and me and my lawyer showed proof and they are still denying it and I have the proof of payment and they keep harassing me saying I owe them when I dont and reporting it on my credit damaging it. MJ ALTMAN ( XXXX ) XXXX-XXXX
05/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33578	Web	Servicemember
MJ Altman company in XXXX, is reporting delinquent on an account that I already paid, it was paid through my lawyers submittal of the bill and my insurance company, despite the fact I sent them the bill showing it was paid, they refused to remove it form my credit preventing me from getting my VA loan on my house as I am a XXXX veteran, all my bills are paid through my lawyer who also sent me a snapshot of the bill that was paid through XXXX payment system through XXXX in which I submitted to them and they refused to remove it from my credit. They keep arguing with my lawyer and me and continueously ask for more personal information not needed which makes me worry they want too much information for, I sent the bill to them and the proof of payment and account info and the amount credited shows a XXXX balance as the full amount was credited yet they still refuse to remove it from my credit after much proof. I had three accounts not valid put things on my credit the month I was closing on my house and got denied for the VA loan and not one of them are valid and they refused to remove it from my credit. I have one report filed and have to file another report as well as they both refused to remove what is not mine or not valid from my credit. I totally had my credit destroyed by thieves as I had a XXXX credit score and I have been robbed and even forced into a chapter XXXX and these things or crooks are destroying my credit, I worked really hard and value my credit rating and it got destroyed. by jealous people. I am XXXX from the XXXX and XXXX and earned my benefits that others keep relentless destroying or trying to take from me in one way or another. this is the 2nd complaint and I have one more, all posted in the month of my closing. MJ Altman is a third part to fire and rescue in XXXX XXXX emergency after I got hit by a car they were supposed to fix the issue but I was told MJ Altman is a third party and they dont deal with them, I must fix the problem and me and my lawyer showed proof and they are still denying it and I have the proof of payment and they keep harassing me saying I owe them when I dont and reporting it on my credit damaging it. MJ ALTMAN ( XXXX ) XXXX-XXXX
01/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30680	Web
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX To Whom It May Concern Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question **Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you.
01/04/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33012	Web
On XXXX XXXX, I sent a letter to MJ Altman Companies to validate a debt they claim I owe. I have never had an account with them, so I asked for the original business transaction per section 609 ( e ) in the Fair Credit Reporting Act. They decided to send me a statement that I could have written up myself on XXXX XXXX, showing what is supposed to be some type of statement. They did not provide me with any document which shows proof that the debt belongs to me, which is theirs to prove. Not only that, they are attempting to collect a debt that is outside of my statute of limitation, per Chapter 95, Section 11 ( b ) of the Florida Statute of Limitations which specifically states that there is a 5 year limitation of any legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of paragraph ( 5 ) ( e ), s. 255.05 ( 10 ), s. 337.18 ( 1 ), or s. 713.23. this company has violated their legal obligation under the Fair Credit Reporting act, as well as the Florida Statute of Limitation and they should be held accountable for this violation. I am well within my rights to pursue legal action against this company.
06/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34471	Web
To whom it may concern : I AM A VICTIM OF IDENTITY THEFT, THIS ACCOUNT DOES NOT BELONG TO ME. As per my XXXX credit report, MJ ALTMAN obtained my credit file on XX/XX/XXXX. I don't recall applying for credit or employment with MJ ALTMAN. From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the 1998 FTC opinion letter Greenblatt at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. Please respond via CFPB.
01/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33040	Web
In response to CFPB:XXXX This dispute is not about my XXXX.Validation of people using my information is not a proper investigation, do not just put into XXXX. I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. when making a dispute no number needs to be provided. you have an address to respond to or a cfpb portal response. whatever previous address you have for me was a fraudulent address, if you can kindly provide that address, i can do a proper investigation of my own.
08/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33578	Web
Mj Altman agency has been reporting a medical debt on the credit report for years. There is an incorrect date of delinquency, and they have NEVER provided validation of the debt. This has been disputed multiple times- at least annually. The company continues to repollute the credit report and change the date of delinquency to extend credit bureau reporting in violation of FCRA. Several years ago, I received a bill that was past due for some kind of XXXX. I called the doctor office as I had never been there for service, and they said they believed the bill might belong to my father, as he has the same name. Again, makes no sense as he has XXXX, and I had an XXXX at the time that paid 100 % of XXXX fees. In either case, there would have been no balance due. Then shortly thereafter the account appeared on my credit bureau. I disputed the account, and the creditor provided no verification. This is impeding my ability to obtain a mortgage, damaging my credit and violating the law.
02/01/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 315XX	Web
For months I have been fighting a back & forth game with " XXXX XXXX XXXX '' where I had lab work services preformed & " MJ Altman Companies '' debt collector. The collection is for {$320.00} XXXX XXXX XXXX made an error by charging the wrong insurance company, I've always had the same active insurance, I have no clue where they got the wrong information from. Multiple times I was assured by supervisors that they made an error and that it will be corrected immediately. After months of getting the same run-around answer I don't know what else to do. Is there any justice? I'm attempting to purchase a home & this wrongful reporting has dropped my XXXX & XXXX score tremendously.
10/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I disputed this account MJ Atlman Companies, which is unknown account to me on XX/XX/XXXX. I disputed with XXXX, XXXX, and XXXX credit monitoring reporting agencies advising all XXXX agencies that this was unknown account to me and that is what not my debt. On XX/XX/XXXX I received the investigation results back from XXXX which stated that the account had been updated and removed from my credit file. However, XXXX and XXXX both stated to me that there investigation concluded different results. Both agencies we 're unable to remove the account, because it 's was verified as accurate.
02/28/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32225	Web
MJ ALTMAN COMPANIES - trying to collect a debt which does not belong to me. I have contacted the creditor, a medical company, and then have no records for me in their system. I reported this to MJ ALTMAN on more than 1 occasion, and they refuse to stop the collection. They have now reported me TWICE - two trade lines, to the bureaus, for a debt that does not belong to me. This has taken my score down over 100 points. Please help me in reaching out to this company. They will not go back to the creditor as I have to check the mistake. TY
02/28/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	FL 32225	Web
MJ ALTMAN COMPANIES - trying to collect a debt which does not belong to me. I have contacted the creditor, a medical company, and then have no records for me in their system. I reported this to MJ ALTMAN on more than 1 occasion, and they refuse to stop the collection. They have now reported me TWICE - two trade lines, to the bureaus, for a debt that does not belong to me. This has taken my score down over 100 points. Please help me in reaching out to this company. They will not go back to the creditor as I have to check the mistake. TY
08/16/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL XXXXX	Web
This company no stop calls me almost daily! I and my wife have both asked them repeatedly not to contact us by phone only to contact us in writing. We both receive calls almost daily! If the cant get me they try my wife then call Me back! It is out right harassment! They keep threatening to place the item on credit report! I and my wife had told them go ahead! They keep calling non stop! We have told them several times no contact butnin writting. They keep calling
10/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34476	Web
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on M J ALTMAN COMPANIES I ( Original creditor XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
07/29/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33025	Web
I have requested that this creditor provide validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/2017 and I have not received any correspondence as of yet. It has been approximately 77 days. The collection amount is listed on my credit monitoring site for {$270.00} and I was never made aware of such debt in writing
02/25/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MS 39532	Web	Servicemember
on XX/XX/2021, i check my credit report and notice a collection from MJ ALTMAN COMPANIES , INC about a debt that is not mine. I have never owed XXXX XXXX anything and if not removed from my credit report i will consult a attorney.i attached a copy below of the letter to them.
08/19/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60620	Web
MJ Altman put a debt of {$5900.00} on my credit report about a medical bill from 2016 that I have no idea about. I want them to remove this from my credit report
01/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32205	Web
I never received a verification of the debt. I have requested validation verification of the debt without any respond.
11/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33563	Web
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.
11/21/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33563	Web
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.
09/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34476	Postal mail

07/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32804	Web

07/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34788	Web

07/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32301	Web

06/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32301	Referral

06/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid		Phone	Older American

05/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32073	Web	Older American

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32225	Web

05/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32828	Web

11/19/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34788	Web

09/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34788	Fax

05/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78503	Web

05/12/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78503	Web

03/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78503	Web

05/20/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34476	Web	Servicemember

02/14/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 34473	Web

11/30/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32713	Web

10/05/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 32218	Web

05/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 32920	Web	Servicemember

03/23/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 34472	Web

08/09/2016	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	FL 32256	Web

08/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34474	Web

05/23/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32792	Web

08/19/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 34473	Phone

08/19/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 34473	Phone

03/12/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34473	Web	Servicemember

02/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web

08/23/2014	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33617	Web	Servicemember

04/15/2014	No	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	FL 33063	Web