Mountain Run Solutions, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/29/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC XXXXX	Web
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL No proof of original contract and signature, no valid debt verification, no evidence of itemized billing, and no proof of authority to collect debt in the state of North Carolina has been received after mailed requests. Upon reasonable public investigation none can be found in the XXXX and XXXX public registry databases for authorized debt collectors in North Carolina. Copies of the database entries and searches are attached. Mountain Run Solutions , LLC self misrepresents to me a consumer in their collection debt activities at my dwelling in North Carolina as a known authorized debt collector in the state of North Carolina and fraudulently reports to consumer reporting agencies. The unlawful collection of debt by U.S. Mail is prohibited by the Racketeer Influenced and Corrupt Organization Act. Upon information and observed actions by Mountain Run Solutions , LLC established a pattern of racketeering activity by using the U.S. Mail more than twice to collect an unlawful debt and the debt collector may be in violation of 18 U.S.C. 1341, 1343, 1961 and 1962. No evidence or rebuttal Mountain Run Solutions , LLC did not fraudulently defy indemnity and embezzle and usuriously collect on two sources has been provided : Social Security Cestui Que Trust Funds, and Payment demands using the U.S.P.S. Mail System. Mountain Run Solutions , LLC has not met the requirements mandated in the Fair Debt Collection Practices Act ( FDCPA ) or the North Carolina Collection Agency Act and the North Carolina Debt Collection Act, necessary to be a legal debt collector in this state. The FDCPA or the North Carolina Collection Agency Act and the North Carolina Debt Collection Act mandates Mountain Run Solutions , LLC have a license to be a debt collector, a bond, and they must be registered with the Attorney General in the State in which they are collecting. In this instance it would be the North Carolina Attorney General with authority over the debt collection activities in the state of North Carolina. Upon information and the observed actions by Mountain Run Solutions , LLC ; the debt collector is in violation of the FDCPA, they do not meet the legal requirements to be considered a debt collector and therefore have no standing before any court with unclean hands. Moreover, the Federal Law mandates any debt collection company attempting to collect debt within the State of North Carolina, must be bonded and licensed to do so. Failure of the Corporation to maintain active surety bond, warrants grounds for immediate ceasing of collection activities and reporting to major credit bureaus. The evidence of lacking registration in the State of North Carolina from the NMLS Consumer Access database, is attached with active debt collection activities in North Carolina. A third party collection agency that violates any provision of the FDCPA, NCDCPA, and North Carolina Debt Collection Act, is liable to civil and criminal penalties which may include monetary compensation to the victim. The debt collector company can not at any point engage in abuse, threats, coercion, misrepresentation, fraud, harassment, unfair means, and deception to collect debt. Mountain Run Solutions , LLC misrepresents who the original creditor is and the amount with the alleged finance charges collected. The original creditor is XXXX XXXX XXXXXXXX XXXX social security trust account the with the extension of consumer credit in thie transaction with the Social Security credit card with # XXXX. The extension of credit always begins with a indorsment or signature of the maker. Proceeding without full disclosure to the maker and consumer is fraud-in-the-factumn and a misrepresentation. The account is Paid-in-Full the instant credit was extended and recognized as a deposited cash equivalent. U.S. Code Title 12 U.S.C. 1813 ( l ) Deposit The term deposit means ( 1 ) the unpaid balance of money or its equivalent received or held by a bank or savings association in the usual course of business and for which it has given or is obligated to give credit, either conditionally or unconditionally, to a commercial, checking, savings, time, or thrift account, or which is evidenced by its certificate of deposit, thrift certificate, investment certificate, certificate of indebtedness, or other similar name, or a check or draft drawn against a deposit account and certified by the bank or savings association, or a letter of credit or a travelers check on which the bank or savings association is primarily liable : Provided, That, without limiting the generality of the term money or its equivalent, any such account or instrument must be regarded as evidencing the receipt of the equivalent of money when credited or issued in exchange for checks or drafts or for a promissory note upon which the person obtaining any such credit or instrument is primarily or secondarily liable, or for a charge against a deposit account, or in settlement of checks, drafts, or other instruments forwarded to such bank or savings association for collection. ( 2 ) trust funds as defined in this chapter received or held by such bank or savings association, whether held in the trust department or held or deposited in any other department of such bank or savings association. ( 3 ) money received or held by a bank or savings association, or the credit given for money or its equivalent received or held by a bank or savings association, in the usual course of business for a special or specific purpose, regardless of the legal relationship thereby established, including without being limited to, escrow funds, funds held as security for an obligation due to the bank or savings association or others ( including funds held as dealers reserves ) or for securities loaned by the bank or savings association, funds deposited by a debtor to meet maturing obligations, funds deposited as advance payment on subscriptions to United States Government securities, funds held for distribution or purchase of securities, funds held to meet its acceptances or letters of credit, and withheld taxes : Provided, That there shall not be included funds which are received by the bank or savings association for immediate application to the reduction of an indebtedness to the receiving bank or savings association, or under condition that the receipt thereof immediately reduces or extinguishes such an indebtedness. In U.S. Code Title 15 Section 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The aformentioned acts in general are a violation Federal and State of North Carolina Unfair and Deceptive Tade practices Act which applies to anyone misrepresenting as original creditor, Section 5 of the FTC Act and Dodd-Frank applies to general prohibition in absence of FDCPA coverage stating that even if the FDCPA doesnt apply, your collection activities are still covered by Section 5 of the FTC Acts general prohibition against deceptive or unfair practices .... [ T ] he FTC has taken action under Section 5 when first-party creditors engage in other practices expressly prohibited by the FDCPA. In 2013, the Cosumer Financial Protection Bureau issued Compliance Bulletin 2013-07 attached as evidence, clearly laid out its position : [ a ] lthough the FDCPA definition of debt collector does not include some persons who collect consumer debt, all covered persons and service providers must refrain from committing unfair, deceptive, or abusive acts or practices ( collectively, UDAAPs ) in violation of the Dodd-Frank Act. In this state, the North Carolina Fair Debt Collection Practices Act applies to original creditors collecting their debt. 15 U.S. Code 1611- Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. ( Pub. L. 90321, title I, 112, XX/XX/XXXX, 82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), XX/XX/XXXX, 124 Stat. 2107. ) 15 U.S. Code 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 {$1000.00}, whichever is greater. XXXX XXXX XXXX XXXX XXXX XXXX for Social Security Trust Account XXXX XXXX
09/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91732	Web	Servicemember
XXXX XXXX Regarding Colection Agency : Mountain Runs Solutions Regarding Account number owned by XXXX XXXX in the amount of {$1200.00} I have no account with Mountain Run Solutions and have never done business with them. I requested Mountain Run Solutions to provide a contract and verification Validation ( not verify, not confirmation ) of the debt being bouhgt from " Vivent i.e. a contract between myself XXXX XXXX & Mountain Run Solutions ( specific proof ) that I did business with specifically Mountain Run Solutions on a written contract that would validate this debt. Instead they provided a letter with stating This letter is to confirm that the above referenced account has been purchased ( From XXXX ) by Mountain Run Solutions in XX/XX/XXXX using XXXX letter head is misleading to the credit bureaus and CFPB. XXXX no longer owns this debt nor is trying to collectthe debt and a collection agency Mountain Run Solutions owns the debt now. I have never done business with Mountain Run Solutions regarding the account # XXXX in the amount of {$370.00}. By using the confirmation that they bought the debt they are misleading FTC, Credit Bureaus and themselves. Mountain Run Solutions Also failed to give me a response within 30 days as the laws state below. You failed to provide proof that I did business with you. I am reporting this account fraudulently. I do not have a contract between mountain Run Solutions and myself that states that I owe mountain Run Solutions any debt, and XXXX no longer is an involved party. I was provided with a contract between myself and XXXX but not a valid contract between myself and Mountain Run Solutions. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. Mountain Run Solutions has also created a fraudulent agreement on a payment arrangement in which I have never agreed to. I have never agreed to any payment arrangements, I have never spoken to them on the phone. I keep getting harassing phone calls where they try to ask my information. I am afraid. This is clear and evident fraud. The Fair Debt Collection Practices Act ( FDCPA ) 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 805. 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 -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692g 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 15 USC 1692k 813. Civil liability 814. Administrative enforcement ( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( 1 ) through ( 5 ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule.
01/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78238	Web
Mountain Run Solutions LLC has never mailed me or notified me with any correspondence in the mail pertaining to this alleged debt. I have been receiving text messages stating I owe an alleged debt. Numerous disputes have been sent and ignored. There is no such alleged debt or valid agreement with Mountain Run Solutions LLC. An Alleged Debt has been purchased illegally and without a true and proper transaction between myself, any original creditor or any other company whatsoever. Mountain Run Solutions LLC has an alleged debt account with no proof of claim, true bill or documentation evidence to support such alleged debt collections. Mountain Run Solutions LLC has violated my rights, committed identity fraud, has obtained my information illegally without my consent and has trespassed on my property/information without properly paying me. Mountain Run Solutions is not registered in Texas to collect any types of debts. Each violation is {$1000.00} per violation. 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 ( I have never authorized Mountain Run Solutions LLC to communicate with me in any form of way. ) ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. ( Notice of Cease and Desist has been sent to Mountain Run Solutions and has been ignored. ) 15 U.S. Code 1692g. Validation of Debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( This account has been disputed multiple times and no such validation, /verification of debt, contract or agreement between the two parties exist. ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt 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 ) 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. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( This account has been disputed multiple times and no such validation/verification of debt, contract or agreement between Mountain Run Solutions and the federal consumer exist. ) 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 : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 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. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
09/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91732	Web	Servicemember
XXXX XXXX Regarding Colection Agency : Mountain Runs Solutions Regarding Account number owned by XXXX XXXX in the amount of {$1200.00} I have no account with Mountain Run Solutions and have never done business with them. I requested Mountain Run Solutions to provide a contract and verification Validation ( not verify, not confirmation ) of the debt being bouhgt from " XXXX i.e. a contract between myself XXXX XXXX & Mountain Run Solutions ( specific proof ) that I did business with specifically Mountain Run Solutions on a written contract that would validate this debt. Instead they provided a letter with stating This letter is to confirm that the above referenced account has been purchased ( From XXXX ) by Mountain Run Solutions in XX/XX/XXXX using XXXX letter head is misleading to the credit bureaus and CFPB. XXXX no longer owns this debt nor is trying to collectthe debt and a collection agency Mountain Run Solutions owns the debt now. I have never done business with Mountain Run Solutions regarding the account # listed abover in the amount of {$1200.00}. By using the confirmation that they bought the debt they are misleading FTC, Credit Bureaus and themselves. Mountain Run Solutions Also failed to give me a response within 30 days as the laws state below. You failed to provide proof that I did business with you. I am reporting this account fraudulently. I do not have a contract between mountain Run Solutions and myself that states that I owe mountain Run Solutions any debt, and XXXX no longer is an involved party. I was provided with a contract between myself and XXXX but not a valid contract between myself and Mountain Run Solutions. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. Mountain Run Solutions has also created a fraudulent agreement on a payment arrangement in which I have never agreed to. I have never agreed to any payment arrangements, I have never spoken to them on the phone. I keep getting harassing phone calls where they try to ask my information. I am afraid. This is clear and evident fraud. The Fair Debt Collection Practices Act ( FDCPA ) 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 805. 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 -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692g 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 15 USC 1692k 813. Civil liability 814. Administrative enforcement ( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( 1 ) through ( 5 ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the
05/15/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07307	Web
I have a bankruptcy on my record that was filed in XXXX of XXXX and discharged in XXXX of XXXX. I have been patiently and diligently working on rebuilding my credit since then. In XXXX of XXXX I received an alert from a credit monitoring service notifying me of a new collections account that had reduced my credit rating. The amount owed was reported as {$120.00} and the Date account opened was reported as XX/XX/XXXX. I called the collection agency - Mountain Run Solutions - and their representative told me that the amount past due was for an alarm monitoring service from a home that I havent owned since XXXX. I asked for proof of the debt, and received a a contract for monitoring dated XXXX of XXXX, for a term of 39 months. The monthly payment was listed as {$44.00} per month. Further, after 39 months the account was to automatically renew on a month-by-month basis, and the service was permitted to increase the amount due by 5 % annually. A 30-day written notice was required for cancellation of service. The contract included the account number and routing number for my bank account ( which was my primary account until XXXX of XXXX ) alongside the option for autopay, which was selected. The contract further states that it may be cancelled in writing with 30 days prior notice. There is also a Limitation of Action clause which reads as follows : Both parties agree that no action that relates in any way to this agreement ( whether by Contract, Negligence, or Otherwise ) shall be brought against the other more than one ( 1 ) year after the accrual of the cause of action therefrom. The demand for payment was accompanied by an unsigned statement from XXXX - the original account holder - that the account was sold in XXXX of XXXX to Mountain Run Solutions. There was no reference to a past due amount or any prior past due status. An additional letter from Mountain Run Solutions confirms that the original cancellation request was received on XX/XX/XXXX. I initially forwarded the collection effort to my Bankruptcy Attorney, who had us send a letter stating that the supposed bill was included in my bankruptcy, and they were not to proceed with any further collection attempts. At the end of XXXX, Mountain Run made an update to all of the CRAs. The account status was listed as current, the account opened date was still reported as XX/XX/XXXX, and the collection account was still appearing as a derogatory collections account on my credit, and is listed as an item responsible for reducing my credit score. On XX/XX/XXXX I called the agency to request that - as a matter of goodwill- they deleted the item from my credit report. I explained that my medical bills from a near-fatal accident earlier this year were extremely high, and that I had hoped to apply for a loan in order to pay them quickly. The supervisor I spoke to claimed that they never remove a collection account from credit report ( Because, then you would have perfect credit, and you filed bankruptcy because you didnt have money to pay ). She refused to change the date that the account was opened. She stated that she could not, by law, touch the account after I sent them the bankruptcy information. When I explained that I had yet to receive proof that I owed anything - no past due invoices or itemized bills - she reported that Mountain Run Solutions did have proof. I requested that this new proof be sent, and she refused - again stating that she would be breaking the law if she sent me the document. The supervisor then told me that if I wanted the collection removed from my credit reports that I needed to pay the bill. She confirmed the amount of the bill as {$120.00}. This collection attempt also seems to have been timed to have been executed almost exactly 5 years after my cancellation letter and what would have been my final autopay in XXXX of that year. Conveniently, banks are not required to retain bank statements after 5 years - which would make it difficult for me to show proof of payment. I believe that I have been targeted illegally by this company for several reasons : A ) The Automatic Renewal Period was on a month-by-month basis. B ) A 30 day notice of cancellation requirement was met. C ) This means that - in the unlikely events that an Autopay failed to debit, it would not be possible for there to be more than 30 days of Contract that I would have been obligated to pay. D ) The amount of {$120.00} is well over double the amount of automatically deducted from my bank account for my monthly payment for service. E ) The Limitation of Action clause prohibits ANY action towards either party more than one year after the initial cause of action - If the account was sold in XXXX, it was done so illegally. F ) The supervisor I spoke with claimed but refused to send me additional proof of the debt, and if they have said proof outside the original contract they failed to fully comply with my original request for that proof - which they were legally required to do. G XXXX The supervisor attempted to use this falsely reported account to extort me for payment on the account. I made a detailed record of the phone call on XX/XX/XXXX and can provide an verbatim account of the conversation. This agency is committing acts of fraud ( I do not believe for a second that this account was ever in arrears, and if it was the Limitation of Action clause made the sale of the alleged account illegal. They have parked the account on my credit report - illegally reporting the account as having been opened in XXXX of XXXX as leverage so that they can extort a payment that I do not owe from me. They have misreported the amount due and refused to provide alleged proof of debt.
11/01/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IN 46227	Web
XXXX has/is retaliating against a XXXX person on behalf and aided another company to further harass a XXXX after this XXXX person had problems with services and the refusal of services for XXXX to honor their contract. XXXX wouldn't honor their contract after giving the XXXX person grief and using their XXXX against them to justify not providing service. By not honoring their policies for their neglect, We filed a complaint with the FTC. XXXX continued to provide defective services in light of the complaint so we told them we no longer needed their negligent services and stopped services in XXXX since XXXX wouldnt honor its own contract by providing services that were not however still seeking payment for their breach of contract and failing to provide goods and services to a XXXX individual on dire t basis of XXXX and after valid oppositions were made of the violations of the Americans with XXXX XXXX and ongoing violations of 28 C.F.R. 36.206 ( b ) /42 U.S.C . 12203 ( b ) where I'm no being financially exploited. XXXX and Mountain Run Solutions LLC are in violation of Federal law ( 42 USC 407 ( a ) ) protects Social Security benefits even after deposited into a claimant 's bank account. Title II, Section 208 of the Social Security Act of 1935 provides the most broadly applicable exemption. It exempts Social Security benefits from all legal process, including garnishment. This situation does show further interference with services in for a XXXX person by these illicit mannerisms. The statute provides broad protection from any practice rendering benefits 'subject '' to " legal process. '' The Kilkers opposed Stillman 's claim of exemption, arguing that under code of civil Procedure section 704.080, only Social Security funds directly deposited into a bank account by the government are protected by the exemption. ( All further statutory references are to the code of civil Procedure unless otherwise specified. ) True, under section 704.080, subdivision ( b ), a judgment debtor, who receives Social Security payments by direct deposit, does not need to prove that the funds are exempt ( up to certain amounts ). Section 704.080, by providing such automatic exemption for direct deposit amounts, provides additional protection to Social Security payments that are directly deposited. But neither section 704.080, nor any other legal authority cited by the parties, supports the interpretation that section 704.080, subdivision ( b ) eliminates the availability of the 42 united States code section 407 ( a ) exemption as to Social Security payments that are not directly deposited into a bank account. If funds are directly deposited by the government, there is no need to trace their source. ( See Kilker et al., v Stillman G048473 ( Super. ct. No. 30-2008-00106524 ) ). XXXX is using Mountain Run Solutions LLC to produce and publish fraudulent information on my credit report while attempting to take my only source of income protected from this type of practice of both these businesses. As well, XXXX 's ongoing conduct has interfered with me securing a loan s a first time home buyer that is XXXX in very present and recent times. I'm deeply concerned, on how this conduct may affect the life of my family and new born son. I do understand XXXX has already been fined for this conduct and where even after this and still is continuing to subject me to similar conduct shown in Case No. 2:21-cv-00267-TS UNITED STATES OF AMERICA , v. VIVINT SMART HOME, INC. , a corporation, where XXXX was fined XXXX XXXX dollars for the same conduct I'm still incurring by Mountain Rush Solutions LLC who has also been made aware their actions have been procured by fraud and as well the violations of 42 U.S.C. 407 ( a ) and where this company didn't seem to honor the law or my rights and continues to interfere with my accessibility to housing and all aspects of society which violates the Americans with Disabilities Act, Federal Fair Housing Act and Constitutional laws.
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20815	Web	Servicemember
Demand statutory compensation of {$1000.00} and deletion of accounts on my consumer report file. Mountain Run Solution has violated Law XXXX XXXX ( an account representative ) emailed consumer stating that the furnisher does not need permission to report on consumer report and furnisher dont need to protect the privacy of the consumer Upon my review of my consumer reports it has come to my attention that you ( Mountain Run Solutions ) are reporting an account/accounts to my consumer reports that I did not give you express permission or permissible purpose to report. 15 USC 1681 b ( 2 ) As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 16 801 My private information is my business, the alleged accounts are my private information, you have reported my private information without my consent. Your actions constitute aggravated identity theft. 18 USC 1021 ( A ) As a consumer you have an obligation to protect my personal non-public information. 15 USC 6801- Protection of nonpublic personal information It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those consumers You reported my confidential and private information to a non-affiliated third party without my permission or without giving proper disclosures. Pursuant 15 USC 6802 15 USC 6802- Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic information to a non-affiliated third party I am requesting all my disclosures pursuant 15 USC 802 B that you should conspicuously disclose to me before reporting of my nonpublic information to non-affiliated third parties I am exercising my right to opt out of having my information reported pursuant 15 USC 6802 B Your actions has caused me and my family severe mental anguish, defamation of character You ( Mountain Run Solution ) have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 18 U.S. Code 1028A- Aggravated identity theft Whoever during and in relation to any felony violation, knowingly transfers, possess, or uses without lawful authority Furthermore you have no lawful authority or permissible purpose to put any account on my consumer reports 15 US Code 1681n- Civil liability for willful noncompliance In general, any person who willfully fails to comply with any requirement out of this subchapter is liable to this consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( 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 {$1000.00}, whichever is greater.
07/17/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 206XX	Web
I spoke to Mountain Run Solutions ( debt buying collection agency ) on XX/XX/21 at approximately XXXX hours. They alledge that I owe {$390.00} dollars from an old XXXX/XXXX XXXX alarm contract - a fact which I vehemently dispute. I recently noticed this on my credit report and disputed it with XXXX - who removed it. When I spoke to the agent from Mountain Run Solutions this morning, I was asking for a debt verification letter because, although it was removed from XXXX, it still remained active with another bureau. I gave her my email address and she confirmed that I would receive the debt verification via email in about 72 hours. I then asked the Mountain Run Solutions agent why they removed it from one bureau and not the others since I challenged the validity of the debt via dispute and won. The agent said that they simply no longer work with XXXX and that's why it was removed. She quickly told me that the collection would remain on XXXX and XXXX until I paid it. I told her that I guarantee it will be removed and that I'm not paying it - because I don't owe it. She very quickly said " Ok then, how about we not send you anything. Have a good day '' and immediately hung up the phone. My complaint is on 2 fronts : 1- I don't owe this {$390.00}. My contract term limit obligations with XXXX/XXXX ended ; however, they, without communication to me, converted me to month-to-month. There had even been years of inactivity with the alarm system as it didn't even have power running to it. It had been left unplugged due to its location. Regardless, I paid as agreed to fulfill my contract term limit obligations. Because this account was on auto-pay/automatic withdrawal from my checking account, they were able to keep taking the payment out each month - even after my contract obligations had been fulfilled. I did not pay that close attention to my bank statements and missed the continued charges for a long time. That is clearly my fault. However, when I noticed it I contacted them. They told me about the month-to-month extension and I told them I wanted to immediately cancel. Unfortunately, they continued to charge. I called back ( and emailed them ) to provide written notice that this should have already been canceled and that I was stopping future automatic payments - which I did. Unfortunately, my written notice to cancel was somehow apparently and surprisingly insufficient and they continued to charge without canceling as requested several times. With automatic payments turned off, they then apparently began adding them up. Their continued charges from that point on amount to fraud and theft. XXXX/XXXX later sold the debt of continued charges to Mountain Run Solutions for pennies on the dollar I'm sure. 2 - The Mountain Run Solutions agent threatened further negative reporting to the ther two bureaus besides XXXX unless I paid. Currently it is only on XXXX - so the agent was threatening to add it to XXXX. Further, and most alarming, after agreeing to send me a debt validation letter via email, the agent then changed her mind and said she wouldn't send me anything - after I told her I would not be paying this because I didn't owe it. The actions, by both companies, are predatory in nature. Their actions have caused financial harm by negative reporting, have been ectremely time consuming to fix, and have caused emotional damage with threats of continued and additional negative reporting - unless of course I agree to pay a debt that I don't owe. This is unfair and unacceptable.
01/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77706	Web
To Whom it May Concern : It's been over three and a half years that I've been a past customer of XXXX. I had their full home security service. Unfortunately, I had to call to cancel my services after becoming a victim of Hurricane Harvey in XXXX, TX in XXXX. The home I was renting, with my mother and two other brothers, got flooded with over 7ft of water inside and a recorded 13ft of water on the exterior. We lost everything including our cars and even my cell phone. It was a very unforeseen and unforgettable experience. We were homeless for about two months. We thankfully had some assistance from FEMA. I was able to get myself a cheap cell phone. I then decided to call Vivint customer service and informed them about my situation. I had asked them to cancel my services because I have no home and had lost everything. They insisted that they'll be willing to put my account on hold. I told them that I would prefer to cancel because I had no idea what the future holds, as far as my living situation goes. Although I was in a contract with them, I figured being horribly affected by a natural disaster would be forgivable. Well, it seems XXXX could care less. I called back a few times to see if I could get it canceled, but it went nowhere. I eventually stopped calling and left it alone. We were able to finally find an apartment, a two-bedroom. It was the only thing available since so many others had lost their homes and had to get apartments that weren't affected by the flood in the meantime of recovering. At that apartment, we were unable to get any security systems installed. I had called XXXX again to cancel. It still went nowhere. I eventually gave up trying and left the situation alone. I hadn't heard back from XXXX or received any notices from XXXX since either. It was now XXXX, my credit report was hit with a collection. XXXX sold my account, which seems to be the remainder of my contract, to a debt collection company called Mountain Run Solutions. Without contacting the Mountain Run Solution, whom I have no business with, I tried my best to dispute this account through multiple credit bureaus, but it got rejected. I tried to explain my situation with the number of word characters I was allowed to send but I guess my story wasnt sad enough. Since I tried so hard to get my account canceled by XXXX during the times I was experiencing financial hardships and homelessness due to a natural disaster, I refuse to pay any of this debt. I wish Vivint wouldve been more considerate and thoughtful and honor my request due to my specific situation. Since I had lost everything, I had to find another job, I had to find money to make a downpayment on another car ( I had literally paid off a car the week before Harvey came and totaled it ), and I had to pay off other important debts that got heavily delayed due to my situation. I tried calling XXXX to see if there was anything they could do but they stated that they no longer have control over the account. Unfortunately, my credit score has been in slow recovery since and It sucks that when other services or companies have to pull my credit report, thats a negative thing they see that may affect my approval odds for getting credit cards needed to help rebuild my credit or even another apartment. I just hope to get this all situated to get that collection account off my credit report. Thanks for listening.
11/15/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77521	Web
I noticed an account from Mountain Run Solutions on my credit report last year when I began reviewing it during my mortgage application process. I immediately noticed inaccuracies in the account and disputed the account with the XXXX credit bureaus it was being reported to at the time, XXXX and XXXX. XXXX ultimately deleted the account but XXXX did not so I decided to contact Mountain Run directly. Below is a description of the violations by Mountain Run during our correspondence over the past few months. VIOLATION # 1 Due to my concerns with the accuracy of the account, I sent Mountain Run a debt validation request ( Enclosure # 1 ) which they received on XX/XX/XXXX per USPS cert mail # XXXX XXXX XXXX XXXX XXXX ( Enclosure # 2 ). I did not receive a response to this request until XX/XX/XXXX. Despite their failure to respond to the validation request within 30 days they continued to report the account to the credit bureaus which I believe is a violation of the FDCPA> VIOLATION # 2 In the debt validation letter, I requested that all communication going forward take place via US mail and no phone contact be made ( see highlighted portion of Enclosure # 1 ). Mountain Run completely ignored this request and sent a text to my cell phone on XX/XX/XXXX at XXXX pm XXXX ( please see document labeled " Enclosure # 3 '' from complaint # XXXX ). This communication came well after their receipt of the aforementioned debt validation letter on XX/XX/XXXX. I believe telephone contact with a consumer after theyve requested contact by US mail only is a clear violation. VIOLATION # 3 Lastly, Mountain Run has provided me with information that clearly supports my claims of the multiple inaccuracies associated with the account as reported to the credit bureaus. This strongly implies to me that they are aware of the discrepancies in their reporting, yet continue to do so anyway. I have outlined the issues citing their negligence below : a ) In an invoice generated by Mountain Run dated XX/XX/XXXX ( Enclosure # 4 ) they allege that {$1700.00} is owed for 23 months of unpaid monitoring services ; however, per the Customer Billing History ( Enclosure # 5 pgs. 2-3 ) provided by the original creditor only 7 months are unpaid ( XX/XX/XXXX XX/XX/XXXX ). b ) The invoice ( Enclosure # 4 ) also indicated I owe {$210.00} in interest charges ; however, the agreement with the original creditor ( Enclosure # 6 pg.1 highlighted portion ) does not authorize any finance/interest charges. c ) They provided me with a copy of the Alarm Monitoring Agreement ( Enclosure # 6 pg. 3 ) which indicates a monthly fee of {$68.00} for monitoring services ; however, the balance their reporting per the invoice ( Enclosure # 4 ) they sent me is based off a monthly amount of {$74.00}. How can they base their charges/balance off an amount thats different than the contractual agreement they have on file? Despite my brining these multiple discrepancies to their attention ( Enclosure # 7 ), they have failed to correct any information being reported on the account. Not only have they not corrected it, they just recently began reporting this erroneous information to XXXX. Please note, this is my second complaint submitted as the first complaint was initially sent to the FTC and did not include all of the information when forwarded for investigation.
06/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70785	Web	Servicemember
On approximately XX/XX/XXXX, my wife had a collections item appear on her credit report for XXXX XXXX showing the collection was opened XX/XX/XXXX. She immediately contacted XXXX XXXX who confirmed they do not have, nor ever had, an account in her name, my name, or our home address, on file. She then contacted the collection company, Mountain Run Solutions, who told her a copy of the contract and itemized statement would be sent to her within a week. On XX/XX/XXXX, Mountain Run Solutions had never followed up and sent the information so, she contacted them once again. They were advised that we never had an account with XXXX XXXX. No reply was ever received. Then, on, or around, XX/XX/XXXX, the collections item was removed from her credit report and placed on mine under the name, XXXX XXXX. Again, I immediately contacted the company regarding this issue. Finally, on XX/XX/XXXX, XXXX XXXX sent the contract and a letter showing the debt from XXXX XXXX was bought by their company in XXXX of XXXX. Still, we never had an account with XXXX XXXX ; however, after reviewing the contract, we discovered the account was actually with XXXX XXXX and signed XX/XX/XXXX. At this time, we spoke with the agent that sold us the security system and confirmed we cancelled our services, as required in the contract, and made the equipment available to the seller, as required. If he did not pick the equipment up, that is no fault of our own. It was available. We were never notified that XXXX XXXX bought out XXXX XXXX, nor were we sent any type of bill showing what we owed, or for what- from any of these companies. To this day, this collection agency has not sent us an itemized bill to let us know what this debt is supposedly for. The only thing we received is the contract that shows the address the security system was being installed at, where motions were installed in the house, the monthly charge for monitoring ( {$44.00} per month for 36 months ), and your usual verbiage regarding cancellation and credit procedures, etc. We did everything we were required to do. If we owe something, we were not properly notified, nor would this debt be from XXXX of XXXX. Again, this contract was dated for XX/XX/XXXX and only for 36 months, which would be XX/XX/XXXX. No one from XXXX XXXX, or Mountain Run Solutions, attempted to contact us ; we only found out about the alleged debt when it appeared on my wifes credit report, then removed from hers, and added to mine. We thought our identity had been stolen because the fact XXXX XXXX confirmed no account was found in their system for us. We have reached out numerous times to this collection agency to no avail, disputed on both our credit reports, and nothing has been done to resolve the issue. The charge is for {$2000.00}. This is more than it would even cost for three years worth of monitoring. It is severely impacting our credit, and is not even correct or truthful. If you look at the dates of their demand letter and, proof of purchase, they are dated for the date I was finally able to contact them.
06/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UT 84106	Web
My XXXX credit shows a collection on my credit for {$390.00} reported by Mountain Run Solutions. Last Reported on XX/XX/XXXX. I have disputed this claim every month since XXXX with the credit bureaus, only to have Mountain Run Solutions report that I owe the money, month after month. I won't get into why I don't think I ever owed the money in the first place, because I did ultimately settle the account for less than the amount they claimed I owed in exchange for a letter of deletion to have the record removed from my account. Which I paid on XX/XX/XXXX. Here is where things get interesting. I had been contacted by a different company all together XXXX XXXX XXXX whom I paid. XXXX possible violation if multiple companies are trying to collect for the same debt. ) On XX/XX/XXXX I sent a certified letter to Mountain Run solutions disputing the reported debt. The letter was returned to me. I then sent letters to each of bureaus with a copy of the returned letter. Disputing the claim as obviously false information was being reported on my credit if the address was wrong and requested that they remove the record. The following month none of them had removed it or sent me any kink of response. However, the credit report did update saying that Mountain Run had verified the debt once again. I sent a second letter to each bureau threating suit if it was not removed. Two of the three bureaus removed it, the hold out being TransUnion. TransUnion just updated their records that the debt had been verified on XX/XX/XXXX. On XX/XX/XXXX I reached out by phone to Mountain Run Solutions. They were able to pull my account and the lady on the phone could see that the debt had been settled/paid. But refused to remove the collection since it was not paid in full. Keep in mind that at this point regardless of all else the amount being reported and the amount owed is different. Yet another piece of information that is undisputedly incorrect. ( Along with the Address ) I do have copies of an offer from XXXX XXXX XXXX. I have a letter from XXXX XXXX stating the account is paid in full. I can show proof of payment to XXXX XXXX XXXX. I have a certified letter returned to me that was addressed to Mountain Run Solutions. I have certified letters to the Credit Bureaus spanning several months. And, I have copies of my credit report spanning several months. It is my opinion that, It is not my responsibility to prove that I don't owe them. But instead It is the creditor and bureaus responsibility to prove I owe. And further more their responsibility to report true and accurate information. Mountain Run Solutions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX
09/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27106	Web
On XX/XX/XXXX, a Utah collection agency, Mountain Run Solutions , LLC, reported a collection account they claim to have acquired from an original creditor XXXX XXXX We never received any written correspondence in the mail regarding this alleged debt and we were not given the opportunity to dispute the alleged debt. We discovered the reporting on XX/XX/XXXX when we received an alert from our credit monitoring app. On XX/XX/XXXX, I received a text message from Mountain Run Solutions , LLC stating they have purchased the account from XXXX XXXX and demanding that I sent them {$800.00} to settle the account by XX/XX/XXXX to have the reporting removed from our credit files. I wrote the credit bureaus to dispute the reporting and each credit bureau wrote back claiming to have verified the account. I knew it had to be impossible because there was no such account. I then wrote a letter to Mountain Run Solutions , LLC explaining that we had no knowledge of such an account and requesting for them to provide me with documents to verify the alleged debt. I received an email on XXXX XXXX from an XXXX XXXX at MRS with documents attached. One of the documents was a service agreement. A few things immediately stood out on this service agreement : 1. The signatures on the service agreement for my husband and I were forged. The handwriting is obviously not ours. My husbands name is misspelled, and I was given the middle initial XXXX which I never had. 2. The company name on the agreement was XXXX XXXX XXXX XXXX not XXXX XXXX 3. The contract was dated XX/XX/XXXX which puts this action outside of the three year statute of limitation for debt collection in North Carolina. After reviewing the F rating and several of the over 400 complaints received at the XXXX XXXX XXXX on Mountain Run Solutions , LLC regarding the same type of fraudulent collection activities, I am appalled that this agency is still allowed to operate in the state of Utah. This company is practicing deceptive and unfair trade practices, forgery, and wire fraud. Personally, because of this fraud our credit scores have decreased by 30 points, we have suffered character defamation and we have been turned down for financing due to having a recent collection account added it to our credit files. I have attached the following to this complaint : Exhibit A ( 1 ) & ( 2 ) - Text message I received from Mountain Run Solutions , LLC Exhibit B- Letter I wrote to MRS requesting documents to validate the alleged debt Exhibit C- Forged Service Contract dated XX/XX/XXXX Exhibit D- Letter supposedly from XXXX Exhibit E- a Demand Letter for the alleged debt Exhibit F- Fake Account Statement
04/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
I received a letter from the collection agency in XX/XX/XXXX when I called to ask what this debt was for and was told it belonged to XXXX XXXX. I explained that it could not be because I never had an account with XXXX XXXX in the last 8 years I asked for a validation on more than one occasion but they refused to send me anything. I checked my credit report to see what was going on. When I look at my credit report, I noticed that in XXXX there is a Mountain run Solution account that explains that the account is for a loan, like a charge account, and the credit limit increased from {$1500.00} to {$2500.00}, I did not. recognize this. account. I went to XXXX XXXX credit report which says I have been making payments since XXXX with no late payments and my balance in XXXX was XXXX. Then it shows up in collections and I don't understand why. I have never made any payments to an account like this, because that is not my account, and I have never seen that account on my credit report before. I check my credit report every year, and this account was never there, and it just popped up last year. I filed a dispute with the credit bureaus and they told me that the account is accurate because the collection agency says so The credit bureau as XXXX and XXXX, they asked me to prove that it is not my account, I told them that I can not prove it because there is no way I can prove any account that is not mine. I called the original creditor and asked about this account. And they said my last payment was in XX/XX/XXXX and the account was sold to Perfection Collections in XX/XX/XXXX. What the XXXX XXXX solution is doing is using the information they have about me in my previous 8 year account and making it looks like the most recent account I asked you for a payment history to confirm the last payment I made. When I saw that this is not this account and it is for another account. I do not know what to do. Every time I call they tell me that I have to pay because this account is mine. I have asked for validation and they do not send me anything. I have proof of the last payment I made to the original creditor. I sent it to the credit bureaus and they tell me it is not proof enough. The original creditor can not give me information because those accounts were sold to collections. This accout is not mine. I will provide you with my original creditor payment history and what is shown on my credit report. I have been monitoring my credit for years with no late payments for the last 6 years, and this fraudulent account is affecting me emotionally. Thanks
05/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
How is this possible XXXX? This was removed due to violation on reporting and the opened date is incorrect! Im confused and stressed and 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.
01/03/2022	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	SC 29073	Web
Consumer reporting agencies have a significant amount of personal information about consumers. This information is invaluable in assessing a consumers creditworthiness for a variety of products and services, including loan and deposit accounts, insurance, and utility services, among others. The FCRA governs access to this information to ensure that a prospective user of the information obtains it for permissible purposes and does not exploit it for illegitimate purposes XXXXThe FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. Transaction Dispute/ Request for Fraudulent Transaction Information Made pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C . 1681 ( g ) ) XXXX XXXX STERN RECOVERY SERVC ACCOUNT NUMBER MISSING NOT REPORTED XXXX XXXX XXXX XXXX XXXX NC XXXX Dear Sir or Madam : As I already reported via telephone, I am the victim of identity theft. I am writing to dispute a fraudulent [ charge/debit ] on my account in the amount of {$33000.00}. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed. In addition, I am enclosing a copy of sections 609 ( e ), 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. Please investigate this matter and correct the fraudulent [ charge/debit ] as soon as possible. Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 609 ( e ) ,605B, 615 ( f ), 623 ( a ) ( 6 )
12/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94605	Web
I reported this debt in XX/XX/XXXX when XXXX XXXX tried to collect on it and put this on my credit report. Complaint # XXXX. Now XXXX sold the debt to a collection agency, Mountain Run Solutions, who is now trying to collect on the same debt and threatening to put something on my credit report that is not mine. Here is my complaint again : In XXXX, XXXX, my husband contracted with XXXX through this XXXX XXXX for home monitoring alarm system. I was never party to this contract which by the way was for 60 payments from XX/XX/XXXX, was paid on time through the contract term and was on month to month after the end of the 60 months. My husband called them in XX/XX/XXXX and told them effective XXXX, he did not want to continue on month to month. They told him he had to sign something stating that he no longer wanted the services and they sent him something over electronically to sign stating this which he did twice after they claimed they did not receive it. The contract is over but they felt they had a right to continue to bill and a verbal was not enough. I never gave my social security number or gave any verbal agreement to be on this contract from the beginning. The signature or initials are not mine. I was not home the day this was done. This was entirely in my husband 's name. I called the company on XX/XX/XXXX when I discovered this was on my transunion credit report and they in fact told me this should have never been put on my report, that it was my husband who they put in collection on XX/XX/XXXX. I was not on the agreement. In fact, they offered to send a copy of the agreement which I am attaching. So how did they even get my ssn to place this? It's not on this agreement either. I repeat, this is very upsetting. To put something on someone's credit and then call it a utility company Resolution is that # 1, this is not my debt and take me off the collection. Resolution # 2, provide proof of payment history showing what was paid by my husband and when it became delinquent by him. Just sending a copy of a contract does not validate the debt being past due with no payment history. or proof of when it became delinquent. Also, is there something in the orignal debt that gives them the right to sell this debt to a collection agency? The original 60 month contract was fulfilled.
12/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AL 360XX	Web
I was initially contacted by Mountain Run Solutions via text message on XX/XX/XXXX, stating that had purchased an account and there was a balance due of {$400.00}. I called the number from the text and explained that I didn't owe any money in that amount to them. I asked for documents and an explanation of the total. The lady stated it was for 8 months of monitoring services for {$39.00}. I explained again that information was false and wanted to dispute the balance. The representative stated that she will not accept a dispute. I asked for a letter in the mail or some documents. She later emailed an invoice that only showed their name an address and the balance, nothing showing how they come to XXXX. The lady then became irate and stated that the debt was valid. She hung up the phone. I attempted to county the company back serial times, however, they blocked my cell and home number and I was unable to contact them via phone. I then submitted a dispute on XX/XX/XXXX via email to the representative as well by mail. The company never responded with any information but instead without validating the balance submitted it to my credit report. I then phoned the monitoring service XXXX and they were not familiar with that company and it sounded like fraud and to dispute the account through XXXX and also obtain an attorney to communicate with the company. I have disputed the account serial times over the last 3 months and without any resolve it has not been resolved. I submitted the final statement bill as well the payment to credit agency to show the balance that was due to the alarm system had been paid directly to the Monitoring service of {$290.00}. The company stated that they did't have any documentation to submit to me and it I wanted to settle the account for {$350.00} they would remove it from my credit report. I do not owe Mountain Run Solutions any money. The account was paid directly to the Monitoring service. It appears that this company thats based out of XXXX, Utah has a history of deceptive practices. They refuse to communicate or to send out any documentation to validate or prove theres an amount of XXXX owed, in which it is not.
02/01/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DE 199XX	Web	Servicemember
Company Mountain Run Solutions purchased a debt from XXXX. This debt was for alarm system service agreement I did not purchase at an old Address I didn't live at for nearly 3 years prior to the time of agreement. I lived at address stated in contract for a few months in XXXX with my girlfriend at the time after which I had got my own apartment. I have submitted disputes to credit bureaus as well as Mountain Run Solutions. I have requested verification of debt and proof of statue of limitations. They have provided contract of service agreement showing date of contract as XX/XX/XXXX. This appeared on my credit report in XXXX of XXXX. Upon receipt of contract from collection company it further proved this wasn't my debt and I did not sign nor have any such knowledge of contract. I have requested they immediately remove from my credit report. Since then I have received additional notifications from XXXX advising they consider the debt to be accurate. On this Contract which I intend to submit additional disputes in writing it shows my name and social security number which I did not provide. The contract also advises that they will obtain a credit report before services was provided. They did not do so in accordance with their own contract as I have had a fraud alert on my credit report and would have been notified and could have confirmed this wasn't me that was opening the account. Furthermore, this contract didn't have my signature on it what so ever, nor did it have my phone number on the contract. So other than someone putting my name and social on this contract there was no agreement by me entering into such agreement. This doesn't even take into consideration that as a XXXX I was stationed XXXX from the end of XXXX through early XXXX. I'm truly devastated that the credit bureau 's do such a poor job verifying debt and allow creditors to falsely destroy others name with zero repercussions. I have determined 10 different evidence points that this debt doesn't belong to me. However, feel very disappointed that it's so hard to clear your good name. Please help!
03/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89130	Web
From XXXX to XXXX we had XXXX XXXX XXXX at our home in XXXX XXXX. That term was covered by a contract. Once the contract expired we tried to cancel the service as we were no longer happy with the service. They advised us that we had to cancel in writing, which we did in XX/XX/XXXX. Since we didn't hear from them again we assumed that was the end of it. We sold that house in XXXX. Fast forward to XXXX, and we see an item recently sent to collections on both my wife 's and my credit report from a company called Mountain Run Solutions, a debt collector, alleging that we owe them {$480.00}. They claim via the credit report entry that they filed in XXXX. They did not, as my wife and I qualified for a mortgage at 2.5 % in XXXX, which would not be the case had they done so. They claim we didn't cancel our XXXX agreement properly, and that the {$480.00} is fines and penalties.This is false, as the intervening time clearly proves. We have repeatedly asked them for proof of the debt, and they refuse to provide it, instead sending us only a copy of our contract, which clearly shows the term as being XXXX. XXXX was subsequently bought out by XXXX, but our calls to XXXX for proof result in our being sent back to Mountain Run Solutions. We checked the XXXX and there are hundreds and hundreds of complaints just like ours. It appears Mountain Run Solutions is running a scam, and hiding behind the pandemic to do it, counting on less oversight by yourselves. We insist that this intentional, extortive error be removed from our credit reports, and that Mountain Run Solutions be properly sanctioned for dishonest business practices. Their malfeasance has already inflicted financial harm to us. My wife had a credit card cancelled, and I had a credit limit lowered as a direct result of Mountain Run Solutions criminal actions in this case. You will almost certainly be getting hundreds of complaints about them that will seem very similar to our own. Please take action to put a stop this.
03/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21224	Web
I had a debt filed by XXXX a couple years ago. I disputed this debt, as XXXX was in violation of our contract. I won the dispute, and all collections were removed from my credit reports. Fast-forward to XX/XX/21, and I receive a notice from a third-party collection agency ( Mountain Run Solutions LLC ) alleging that they have purchased this debt from XXXX, despite it having already been disputed and settled years ago. The notice from Mountain Run Solutions was dated XX/XX/21, but I did not receive it in the mail until XX/XX/21, leaving me with only 4 days to file a formal dispute. So I disputed the debt with them on XXXX via the email address provided on the notice, and Mountain Run Solutions acknowledged receipt of my dispute on XX/XX/21. On XX/XX/21 I received a text message from Mountain Run Solutions stating that they were going to report the debt to the credit bureaus if I do not pay them by the next day ( XX/XX/21 ). I told them that they can not purchase and try to collect on a debt that has already been resolved. In response, they offered to send proof of the debt to my mailing address, to which I agreed and provided my mailing address. Today ( XX/XX/21 ), just 3 days after Mountain Run Solutions said they would be mailing me proof of the debt, I received notifications from XXXX and XXXX that new collections from Mountain Run Solutions have been reported on my credit reports. I believe Mountain Run Solutions has violated the Fair Debt Collection Practices Act, because ( a ) they purchased and tried to collect on a debt that has already been disputed and resolved in my favor, and ( b ) they acknowledged my dispute of the alleged debt held by Mountain Run Solutions and indicated they would be sending me proof of the debt, but instead of doing so they immediately reported the collections to the credit bureaus. I have all the transcripts of these conversations.
08/25/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 806XX	Web
The company in complaint is mountain run solutions. I have an Alleged debt from XXXX XXXX. That has gone to collections. My aunt and I received a text on XX/XX/XXXX about it. My aunt is not on that policy. XXXX is a home security company and my aunt is an emergency contact for me since I don't have any family here in Colorado. But her signature or any financial information is not on that contract. She should not be tied financially in any way. I called and asked them for a debt validation letter. I did not receive anything and forgot about it. On XX/XX/XXXX i received another text and stating that they would be reporting the account to the credit bureau on XX/XX/XXXX if action was not taken. I called immediately and I asked for validation of the debt to which they just sent me a packet of their own alleged payment amount. That packet arrived XX/XX/XXXX They didn't include any original bills but they included a copy of the contract with no billing history. The only date regarding the debt is XX/XX/2020. I didn't even live in the property the debt is regarding at this time. I called again to say I don't believe this debt is correct please send me info with an original bill and breakdown. Today on XX/XX/XXXX they put this dispute on my aunts credit. She's not on the contract and I've already started disputing this. There was no reason for that. And there's no information that can allude this being an acceptable action. The paperwork with My aunt 's name even shows that she is a secondary contact but not a customer. The top corner of the electronic signature disclosure only has my name. The actual contract only has my name. She is not anywhere on the customer information side. My credit seems to have not taken a hit yet as it should be because we are in dispute. My aunt should in no way be involved in this.
12/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76051	Web
We spoke with XXXX XXXX at Mountain Run Solutions ( Collection Agency ) on XX/XX/XXXX. We let her know that we had never done business with XXXX. She sent over an alarm contract that was made between our XXXX restaurant in XXXX with XXXX XXXX. We sold the XXXX restaurant to a new owner and then they went out of business. The new owners might have been doing business with XXXX, but we never had an agreement between us and XXXX. We notified XXXX XXXX at Mountain Run Solutions that she needed to remove the claim on XXXX XXXX credit report. We let XXXX know that she was causing financial damage to XXXX XXXX fi she did not remove the invalid debt within XXXX to XXXX business days. XX/XX/XXXX we reached back out to XXXX to get a response, asking her how her company would like to proceed and if they wanted to continue causing damage without any financial obligation with XXXX XXXX and XXXX. She responded back that she has already validated XXXX debt and the account is valid. XX/XX/XXXX we reached out to XXXX and we spoke with XXXX at XXXX Customer Service in the XXXX office. He did some digging and came to the conclusion that this was not a valid collection and asked us to tell the collection agency ( Mountain Run Solutions ) to call the Loyalty Department with XXXX to have this taken off XXXX XXXX credit. We immediately relayed the message to XXXX XXXX at Mountain Run Solutions and then on XX/XX/XXXX she responded Sir we do not contact XXXX like that. We just purchased their debt so if anything needs to be rectified it needs to be done by them directly with us. At the end of it all, they are the ones who placed this in collections. We responded to XXXX XXXX that just because they purchased the debt, that doesnt make it a valid debt and that she needs to call and speak with XXXX. She is refusing.
04/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PR 00662	Web
I had an alarm service contract with XXXX in XXXX XXXX. They used XXXX to provide the service. In XXXX I stop receiving the service. When I called XXXX I found out they changed names to XXXX XXXX XXXX. I told them about the problem and they were not able to find my account. They found an old one ( many years back ), but never my current one. Since I was not receiving the service for about 8 months already and my account was no where to be found in order to cancel it, I asked the back to stop making the automatic payments. When the bank did so, XXXX XXXX contact me and told me I owed them that money that the bank didn't pay at my request. I told them about the situation and they said that i need to cancel in writing ( by email ) but first I had to pay everything I owed ( {$76.00} ). I paid the requested amount on XX/XX/XXXX. I then send the cancellation email and XXXX XXXX responded that the written cancelation was received. The account was then cancelled. Several months later I see that I have a collection agency, Mountain Run Solutions, impacting my credit report with charging me {$330.00} from XXXX XXXX. When I called they said that I didn't cancel in writing. My bank was making the automatic payments until the end. I payed what was requested from XXXX XXXX to settle my account and cancelled it. I have called XXXX, XXXX XXXX and Mountain Run Solutions ( the collection agency ) and non of them can help me they say. I am contacting CFPB, since I don't think this is a legal practice. I looked online and there are a lot of people just like me that this appeared on their credit without any notification first. Neither XXXX XXXX, XXXX, XXXX nor Mountain Run Solutions sent me any invoice of notification of charges before impacting my credit negatively. To me this is not fair nor legal.
09/01/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PR XXXXX	Web
i WAS VERYFYING MY CREDIT REPORTS AND NOTICED THAT THE COMPANY NAMED MOUNTAIN RUN SOLUTIONS XXXX XXXX XXXX ARE TRYINGTO COLLECT A DEBT OF 1 MONTH FOR A INACURATE AMOUNT OF {$2700.00} AND REPORTED THAT I AM DEINQUENT FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TO MY CREDIT REPORTS WHERE I AM SURVIVOROF DECLARED DISASTERS DR4493-COVI19 PANDEMIC, DR-4473- EARTHQUAKES, DR-4339-HURRICANE MARIA AND THEIR DISRUPTION CAUSED I HAVE A CAR ACCIDENTWITH PROPERTY LOSS ON XX/XX/XXXX, AND DR-4336. FOR THOSE TERMS THE DEBT SHOULD NOT BE REPROTED IT IS AGAINST MY RIGHTS AND AGAINST CARES ACT, AND FOLLOWING BILLS. THEY ARE FALSE STATEMENT AN AMOUNT THAT I DID NOT OWED, THEY DID NOT PROVIDED ME THE SAFETY THAT THEY PROMISEDWHEN THEY OFFERED ME AN SECURITY ALARM SERVICES AND THEY ALLOWED TO PERSONS EXTERNALTOMY FAMILY AND COMPLETED STRANGERS TO ME AND NOT RELATED TO ME ENTERED TO THE HOUSE AND CAUSED ME AN AGRESIONS AND ROBBERIES AND STEAL MY BELONGINGS IN XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, PR XXXX, WERE THOSE PERSONS ARE RELATED TO OTHER PERSONS THAT STALKED ME AND CAUSED ME DAMAGES AND LOSSES, AND XXXX XXXX ME ON XX/XX/XXXX. THEY BROUGHT THIS PERSON TO THE NEXT HOUSE TO MY HOME TO XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX PR XXXX WITH THE PURPOSE TO INTIMIDATED ME TO LEAVE THE HOUSE AND THEY COULD STEAL THE HOUSE AND THE MONEY THAT I PAID THAT WAS IN MONTLHY PAYMENTS {$150000.00} AND OVER {$250000.00} IN REPAIRS AND REPLACEMENT OF STEALED AND DAMAGE PROPERTY. THEY STEALED MY RECEIPT AND FOUND THIS AND REPORTED IT, A ND CLEARLY WANT TO HARM MY CREDIT.
01/21/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web	Servicemember
During XX/XX/XXXX, I received a derogatory letter from the company regarding a debt that should be paid off. I requested validation of the debt in XX/XX/XXXX, which the company responded promptly, but did not properly validate the debt. The company only sent a letter that they had purchased the debt and provided a contract, but no itemized payments and other pertinent information to help me determine the validity of the debt especially during an environment of increased scams. In my initial request for proper validation, I requested that the company only communicate with me in writing via U.S. Postal Mail, which they violated my right by sending me a text message in an attempt to collect the debt. I again, sent them a second letter in XX/XX/XXXX, requesting proper validation, outlining that what was received did not properly validate that the debt is actually owed and if they could not, they were bound by federal statutes under the FDCPA, FCBA, FCRA to cease and desist in their attempt and remove any negative reporting to the Credit Reporting Agencies. Again, my second request asked the company to only communicate with me in writing via U.S. Postal Mail, which the company sent me another text message in an attempt to collect the debt. I have attempted to secure the necessary information to determine the validity of this debt including proof of payments, but the company continues to not properly validate the debt. I have attached the following to this complaint : 1 ) My 1st validation request letter. 2 ) My 2nd validation request letter. 3 ) The companies 2nd response to my 2nd validation request, which mimics their 1st response to my 1st validation request. 4 ) Images of the text messages received showing day time stamp of receipt.
02/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30017	Web	Older American
On or about XXXX of XXXX, I was notified by checking my credit bureaus reports by XXXX, XXXX, XXXX XXXX, and I noticed a creditor by the name of mountain Runs Solution whom I was not familiar with. I was later contacted by them through a unrecognized number. After speaking with a representative, I asked why I was not contacted before now and was told by representative that they did not have my address and they told me that they had sent the letter to my last address at XXXX XXXX XXXX in XXXX, Georgia, where my son used to reside and where I resided with him at that address in XXXX from XXXX to XXXX of XXXX. They said they sent the letter to that address and this was bit puzzling for me because I had the system installed in my house at XXXX XXXX XXXX, XXXX, Georgia XXXX in XXXX of XXXX and maintained the system from XX/XX/XXXX until XX/XX/XXXX, and now they are saying that I owe then {$94.00} which I know not to be true. To my knowledge the account was sold to XXXX from XXXX and from XXXX to Mountain Run Solutions debt collection. I contacted XXXX Monitoring company and they said they had no record of my information. Mountain Run must have gotten my information and is now trying to harass me for money I do not owe because I honored my contract from XX/XX/XXXX until XX/XX/XXXX according to their own recollection. I am asking that they send financial proof that I owe this money or this matter be dismissed off of my credit report. I had a high credit score until they sent this ridiculous report to XXXX. XXXX has dismissed it, but with no proof of this collection against XXXX is falsely reporting this on my credit report. I have been working with the CFPB and was given a case # XXXX.
10/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27614	Web
Creditor by the name of Protect Your Home filed a collection on all 3 of my credit bureau reports around XXXX with the collection agency listed as Mountain Run Solutions. I disputed the information online and the collection was removed from both XXXX and XXXX. XXXX stated the debt was verified after multiple attempts to dispute the debt. I have never had an account with this company or requested their services. Last month, XX/XX/2020, the collection has reappeared once again on all 3 reports despite it being removed from a previous dispute. I then filed another dispute with each bureau- XXXX would not allow another dispute on the account and the other two stated it as verified. I have sent multiple requests to the collection agency and original creditor for verification of debt and they have all went unanswered. On XX/XX/2020 the collection agency reached out to me via text message and sent a Dropbox link that supposedly contained my contract. This link, of course didnt work. He then volunteered to send it via text in that thread, to which he did not. He then said he could send it via email and I provided an email address and to date I have never received it. I directly asked in the text message if this document was a contract direct with protect your home complete with my signature etc, he stated that the FCRA requirements only state they have to provide a document certifiable that the debt was mine- literally a sheet of paper stating I certify this debt is valid and belongs to is all it needed to say and that a signed contract or document of any kind was not required. I told him I never have had an account with either party and he did not send any additional responses.
01/19/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 38654	Web
I have reached out to you on several attempts regarding this alleged debt and have affirmed to you on those attempts that this company, Mountain Run Solutions, has acted unethically by attesting that I owe them money and that I have an open account with them. This is false and I have proof from the original creditor, which is accompanied with this letter. I took the liberty and asked the original creditor to assist me with the appropriate documentation after I explained to them that this creditor ( Mountain Run Solutions ) created a fake balance to try and force me to unlawfully pay. Mountain Run Solutions also lied about having reached out to me in XXXX via U.S. mail. This is blatantly false and I showed you that it was false by providing you a name affidavit and proof of address. Attached, you will see the itemized statement/payment history from the original creditor. You will also see the true date of delinquency as well as the dollar amount that was owed seven years ago, which was {$420.00}. This account is over 10 years old! Not only that, Mountain Run Solutions misrepresented the amount owed to benefit them as well as dates. This is an immoral and unethical practice amid a global pandemic! Mountain Run Solutions may have purchased a debt from a creditor that I dealt with over 10 years ago, but I did not sign any contracts with Mountain Run Solutions and again, they are falsely claiming that I owe them {$960.00}. The date of delinquency began in XXXX and was consecutive. This collection violates the laws of the FCRA and XXXX is being complicit by reporting an erroneous account and not adhering to the refutable evidence that I have provided for nearly a year now.
08/02/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 339XX	Web
This complaint is regarding deceptive debt collection practices committed by : XXXX XXXX Mountain Run Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX Acting on behalf of a debt purchased from : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX On XX/XX/XXXX, I contacted MrXXXX XXXX to dispute the amount of the debt. They are claiming I owe {$580.00}. On XX/XX/XXXX, Mountain Run contacted me by text message from mobile number XXXX regarding the debt. I replied back on XX/XX/XXXX that I was disputing the amount due, but that I would offer {$250.00} to settle the debt IN FULL and consider the matter closed. They accepted the offer. They replied " Perfect. Give us a call and I'll approve the payment. '' They emailed me a payment link. I made payment for the agreed-upon {$250.00} on XX/XX/XXXX. XXXX then contacted me back on XX/XX/XXXX informing me that the offer was only eligible for that same day ( XX/XX/XXXX ). He made NO indication that the offer was contingent upon same-day payment. This is clearly a deceptive debt collection practice. I emailed them back several times, but they have not responded. I have given them ample opportunity to correct this before complaining to the appropriate consumer protection agencies. DESIRED RESOLUTION : I made the agreed-upon payment of {$250.00}. I want my account closed in full and the appropriate credit reporting agencies contacted so that this debt is removed from my credit report. I would like this information posted to consumerfinance.gov so that others may be warned about this company and their deceptive practices. Thank you.
01/25/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 93311	Web
I received a collection notice in the mail from Mountain Run Solutuons on Saturday, XX/XX/XXXX, XXXX I dont have any collection accounts and pay my bills on time. I was a little bit taken aback by a collection notice. I called them to find out more information. The rep told me that this was from an old home security system that was charged off in XXXX. First of all, I pay every bill when its due. This is not my debt. However, my bigger concern is that this company used deceptive business practices to try to collect money from me. The first person I spoke with told me they have been sending notices to my home address since XX/XX/XXXX. I didnt live in this house at that time, so I knew this wasnt truthful. It was then that I was shocked by the deception and asked to speak to a supervisor. When I called back when the supervisor ( XXXX ) was on duty, she confirmed that I could be sued for this debt. But, from my research it seems its past the statute of limitations for legal action in my state. When I mentioned this, she got very defensive and said that I can report this to whoever I wanted but refused to give me an internal name I could write to. She continued to treat me as a low life person who simply refuses to pay bills by saying, you can report this to whoever you want, but you still have to pay your bills! I felt belittled by her implications. I plan to dispute this {$370.00} debt when it comes on my credit, but my bigger concern was their deceptive and bullying practices. These type of tactics can be very intimidating to the average consumer. I felt it important to notify the FTC.
06/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78254	Web
There is an outstanding balance of {$1800.00} from XXXX listed on my credit repiort and has been affecting my credit negitavely for years now. I have never had any knowleage of ever dealing with or doing business with this company for any services/products they provide. I have never given any permission for my information to be used at ankytime for anything habing to do with an account like this. I have contacted this company and the credit bureaus for years about this as well as the collection companies and no one can help me with this. I just read about a case where XXXX is paying {$20.00} plus XXXX dollars to people for wrongful use of credit etc. I do not know if this is what has happened to me but this account does not belong to me and never has. I have sent documentation trying to prove in every way that this does not belong to me. I am getting negative responses regarding my credit status due to this account and it is not acceptable to me. Please point me in the right direction to someone who can assist me. Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1800.00} {$1800.00} Payment Info Original balance {$1800.00} Balance {$1800.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? If inaccurate i XXXX XXXX XXXX
08/18/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ID 83605	Web
2 years after canceling an account with XXXX XXXX and not receiving any notice of an issue Mountain Run Solutions contacted me by text informing that they had purchased a debt and would report it in 16 days to credit. No other information was sent. I contacted XXXX and they had no knowledge of selling any debt to Mountain Run solutions and said that the company they used was Perfect Collections LLC. On the XXXX I attempted to contact XXXX XXXX XXXX as they had sent repeated text messages to me and made other attempts to contact during work hours. Mountain Run solutions then provided erroneous information about XXXX cancelation policy and ignored the provisions of cancelation in my contract. Mountain run solutions has ignored my dispute request and are still threatening to send an adverse report to the credit reporting agencies. During recorded conversation an agent stated they sent debt verification to my email address. I have not received this verification and the time they stated they sent verification was before my request for verification. In later email messages with the manager the manager stated the day after the agent stated that the verification had been sent that it had not been sent and that they would be sending it while again threatening to report on the XXXX but claiming they had 30 days to send the verification. The agent acknowledged that they did not know or have record of the Idaho consumers rights act. The agent confirmed they did not do due diligence to correctly obtain my mailing address.
07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 142XX	Web
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
05/03/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
This collection is from a company called XXXX. I canceled the XXXX XXXX XXXX XXXX when I sold the property attached to it in XXXX. When I called, the representative made me aware that everything was good and that the current owner had taken over the system. Some time passes, and I review my credit port and find the XXXX account was sent to collections. I called XXXX and spoke to a representative and was told that something went wrong with my cancellation while they were going through some company change over. The representative told me I was responsible for the equipment. I complained and requested a supervisor who repeated that same story. I, at that time, told XXXX I should not be accountable for their employee errors and I would never pay for something I was not responsible for, and they needed to check their recordings. This was back in XXXX to XXXX. Now, fast forward to XXXX, I get a text from a debt collector that they have bought the debt, and I need to settle it before a specific date. I never received any documentation. I assume they plan on suing me to recoup more money from me. This is a false debt that I should not have to pay. XXXX failed to execute their cancelation practices correctly and then put the blame and the obligation on me when I did what I was supposed to do. I called and canceled the service, and the new owner took over the service. Why am I being harassed by this collection company?
05/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC XXXXX	Web
I have request to receive documentation per my consumer rights under ( FCRA ) Fair Credit Reporting Act. copies of paperwork for this account, Mountain Run Solutions account # XXXX which is showing on all 3 credit bureau reports and reporting inaccurately. They will not verify the debt properly ask Ive requested 3 times via mail to request copies of debt, along with requesting all payments made to this account, date of payments posting, method of payments used and verification of those payments made, electronic check, credit or debit cards used. Signatures of contract and location this account and when it was moved from original creditor to this company collection agency. I have attached a preview of disputes through online service, I demand a request for proof of how the credit bureau was contacted, who was spoke to, what number was dialed out to the 3 bureaus, names of agents, ID numbers and the time of each call length, and method of how I was verified. This issue is to be resolved immediately if you feel this is an error, please provide to the everything I requested above, or remove this account immediately from all 3 bureaus. Also after me requesting for debt of validation by mail, they send these text messages listed, is not very secure or private, I have a problem with that situation at that. Also there again in the 2 message screenshots there is no break down or any information that I requested.
04/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90277	Web
I received a collection notice from Mountain Run Solutions in the amount of {$810.00}. I had no idea what this could be from. At that time my credit score was XXXX till they put an unwarranted and false collections ding on my credit. I had to do research to find out what this could possibly be from. On XX/XX/XXXX Mountain Run sent me documentation from an account with XXXX XXXX dated XXXX XXXX XXXX for a service set up for security at a recording studio which I have not been a part of for over 10 years. I signed on. behalf of the LLC not using my social and was not the owner of the Studio. That XXXX XXXX XXXX has been dissolved for over 10 years. The only document Mountain Run sent. was a copy of the order signed in XXXX of XXXX, there are no copies of subsequent bills, nothing that says unpaid, and nothing at all documenting the {$810.00} they say is owed. I do not understand how credit agencies could even think their claim was valid and ding my credit. Not once did I ever receive a late bill or any kind of notice of delinquency in all those years. Now they have hurt my credit. Mountain Run has texted me offering a reduced payment but I do not owe and it is way past statute of limitations. I looked at XXXX website and Mountain Run has 388 complaints, 251 of those complaints against them in the last 12 months. I am not alone in this.
06/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92592	Web
This alarm company that I signed a contract with was XXXX and XXXX was never a company I was in contract with The home was sold I called multiple times provided all the documentation to the original creditor they asked me to sign a new contract for my new home and told them I wasn't interested because getting ahold of them took an act of God. Attached above is the address of the property on XXXX XXXX that had the alarm system installed in it that again was broken multiple window magnets not communicating with the front panel making the system useless. I couldn't get anybody out to repair the current system that was inoperable for at least six months they told me if I could get the new buyer to sign a contract for this system I wouldn't be liable. I told him the home was sold and that the alarm services were no longer needed. plus during the process of the company monitronics you couldn't reach anybody no matter how many times you called. If you went on their website the XXXX number would just re-route you. I tried filing complaints sending through emails never got a response. I've made multiple service calls because there were multiple windows sensors broken no one ever returned my call/ They must have went about went out of business and sold the contract to XXXX which I never had a contract with to begin with.
12/17/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CT 062XX	Web
Mountain Run Solutions LLC put a derogatory mark on my credit report alleging a {$340.00} debt due to XXXX based on a contract dated XX/XX/XXXX with XXXX XXXX XXXX XXXXXXXX XXXX XXXX For the purposes of negotiation and compromise, on behalf of XXXX XXXX and myself, I have requested that Mountain Run Solutions provide the following documentation so that we can settle this dispute, which they have refused to provide : 1. A copy of the assignment of the XXXX contract from the Alarm Monitoring Agreement with XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX from XXXX to Mountain Run Solutions LLC. 2. a written release of all liabilities arising from the Alarm Monitoring Agreement with XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, signed by an authorized representative of Mountain Run Solutions , LLC releasing XXXX XXXX and XXXX XXXX XXXX formerly known as XXXX XXXX ; 3. a copy of a written submission removing any derogatory comment from both XXXX and XXXX credit reports with all three credit agencies, XXXX, XXXX, and XXXX. Documents provided on XX/XX/XXXX by Mountain Run Solutions are not signed by an authorized representative contact person to be validated, do not show the details of {$340.00} calculation which conflicts with the billing history document as well as the terms of the XXXX Alarm monitoring agreement.
06/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32208	Web
Your company Mountain Run Solutions , LLC. is inaccurately reporting on my credit file on all 3 bureaus, wish is a violations of the ( FCRA ). I have asked them several times to send me validation of the debt and they refuse to do so, which I the consumer have the rights to obtain all information that I ask for including, original contract with pen signature charges with interest, fees, dates of all pymts, dates of payments posted, posted by, please included the license provided at time of " service '' please verify letters that you've send and also its reporting joint which is invalid. I have had enough of dealing with this. It's causing distress to keep having to put time and effort into writing your company that is legally not responding to me per the ( FDCP ). Your company is a debt buyer and has multiple dozens of lawsuits of inaccurately reporting accounts and information. This will be my last and final warning of the errors on my credit report that you will be help liable for per each one of those violations. I have contacted all 3 credit bureau 's as well over the last year multiple times and you guys are not sending them any of the information neither along with reporting your incorrect balances. I demand that you remove these from all 3 of my credits reports immediately.
10/24/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85282	Web
This company appears to be 're-aging ' debts. I asked for proof of ownership of this debt and to validate the amount owed and date of delinquency when I spoke with XXXX on or around XXXX XXXX XX/XX/XXXX of XXXX. I was told I would receive proof within 72 hours but had to follow up for them to respond. After follow up, I was provided by XXXX XXXX XXXX at Mountain Run ) only old invoices, with no documentation of payments or that they owned the rights to this debt. I attempted to clarify with the company as to why they felt they had the right to collect, however the response was something along the lines of 'I just work in the documents department. ' This fell off of my report shortly after, so I assumed they understood their error and failure to comply with proper debt collection practices. The debt involved is related to alarm service at a home I have not owned since XX/XX/XXXX. The last payment I made for alarm service would have been prior to that. I never transferred new service, made additional payments, or spoke to anyone about this in the time since. Despite the debt being too old to be reported, and question as to whether this party has the right to collect this debt, I was surprised to see this on a XXXX report for XXXX reported on XX/XX/XXXX.
08/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PR 009XX	Web
This debt of {$660.00} is related to an Alarm Company : XXXX, that ceased to provide services in XXXX XXXX back in XXXX, although they kept charging monthly, after several attempts, requests, letters to request to stop automatically charging my Company XXXX XXXX XXXX ) for services not received, I requested our bank to do not process these automatic payments any more, as they were not authorized and the Alarm CompanXXXX had several times confirmed that they were not going to keep charging, although they kept doing it. I was contacted by a collection company ( MOUNTAIN RUN SOLUTIONS ) some weeks ago regarding this Debt, I explained everything and told them that it is XXXX which actually should be refunding us for all the automatic charges they promised not to do, but they did any ways. They didn't care, they didn't listen, they didn't request for any back up information, which we have, they told me I had to pay and if not I was going to be reported to the credit agencies, even though the debt is under the XXXX XXXX company name. Today it is a collection in my credit Report and I lost XXXX points from my score for a {$660.00} debt collection that is from more than 5 years ago, from services not rendered, unlawful charged, and not my personal debt.
05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11701	Web
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
02/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 72204	Web
On XX/XX/2018 after just moving in a new home XXXX was already installed. I called and asked if I could try it out in my name because it had keypads and we didnt know the code to get in and out the front door. I informed XXXX that I didnt know much about the brand besides what I read on XXXX prior to contacting the he company. He then stated that there was no contract and that it was month to month and that I could cancel anytime. I didnt have to pay a installment fee because it was already equipped with touchscreen monitor, keypad, and camera in the backyard. A few months later I called and told them that I no longer wanted the service and what I believed was the end of it all. Without noticing at first I was still being billed months later when I canceled already around XXXX the service was also disconnected. When I noticed the unauthorized charges I canceled my bank card. Only to see later that they was still sending me bills and the balance was still going up with the alarm system being disconnected and me canceling the account. The bill was only {$54.00} and month to month so how do I owe {$360.00}. How was they still charging me for months that I had the service disconnected?
06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 64804	Web
COMMUNICATION WE HAVE HAD WITH/TO MOUNTAIN RUN SOLUTIONS , LLC I am trying to find out a date of first delinquency on my account that is with you, can you provide that to me? Original business was Vivint security. Thank you XXXX XXXX XXXX XXXX __________________________________ 1ST EMAIL RESPONSE FROM AGENCY ANSWERING ABOVE EMAIL : Install date : XX/XX/XXXX Cancel date : XX/XX/XXXX XXXX has recalled this account. Thanks, Mountain Run Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX _____________________________________________ OUR REPLY TO THIS EMAIL ABOVE : URGENT URGENT URGENT URGENT URGENT What does this mean? XXXX, XXXX XXXX ) ( XXXX ) Are you deleting this account with credit bureaus? Or making a XXXX balance? PLEASE ADVISE ASAP! XXXX XXXX XXXX XXXX XXXX URGENT URGENT URGENT URGENT XXXX, Are you deleting this account with credit bureaus? Or making a ZERO balance? Please let me know so I can decide what direction to take with our complaint. For recollection, you stated XXXX recalled our account with your agency. XXXX XXXX XXXX XXXX XXXX XXXX EMAIL DATES AND TIMES I HAVE SENT ASKING FOR AN ANSWER XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX
06/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 40509	Web
We signed a 5 year contract for an alarm system and after 5 years we were on a month to month contract. After 10 years we cancelled with the company we no longer get wanted or needed and alarm system. The company was XXXX now XXXX. After I verbally cancelled on the phone, XXXX continued to take money out of my account for 7 months before I caught it. Contacted the bank they investigated and returned my money for them illegally taking it out. Now they have sold the account to a collection agency Mountain Run and I have talked to them and told them I do not owe anything I cancelled years ago. I told them to send me a copy of a new contract that I did not sign for. They not XXXX has sent a new signed contract because they dont have one. They are trying to collect money that I do not owe. I looked online and several people are having the same trouble out of XXXX XXXX. People are canceling and they are refusing to cancel them. I no longer have an account with XXXX. I cancelled years ago but they refused to cancel the month to month agreement. Please will someone help all of us trying to get away from this crooked company. Trying to scare people into paying for service they cancelled
01/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60561	Web
On XX/XX/2020, I was sent a letter from Mountain Run Solutions that I allegedly owed XXXX {$1600.00}. I do not owe this company any money and this was my first time hearing that I allegedly owed a debt to this company. On XX/XX/2020, Mountian Run Solutions received a debt validation letter from me asking them to validate the debt and not simply to verify it. As of XXXX XXXX, I have not recieved anything from Mountain Run Solutions that validates this debt and they illegally put the collection on my XXXX and XXXX credit report without providing me validation of the alleged debt. The law states that if collection agencies fail to respond to validation requests within 30 days from receipt of the validation letter, all references to the account must be deleted and completely removed from my credit file. In XXXX of 2020, I disputed this alleged debt with both XXXX and XXXX and both companies said Mountain Run Solutions said the debt was accurate, which is totally false. I am requesting that this alleged debt be removed from all of my credit files due to the illegal practices of failing to provide valididation of the debt within 30 days of receipt of validation request.
10/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33196	Web	Servicemember
I temporarily relocated to a new area, but I rented my house to a tenant. I did not see a need for continuing services for a home alarm since the new tenant did not have any interest in having nor paying for it. I called the center ( XXXX ) and indicated so. I was forwarded documents to signed, and the gentleman I spoke to indicated he would send me additional documents to look at and sign them if decided to continue services at a lower premium; said documents were never received by me. I'm truly baffled to find out there is an existing debt or account when no one attempted to get in touch with me nor even visited my house in order to reconnect/connect the services said company claims I own them money for. In the meantime said company is hurting my credit for a meager amount, which I will not pay based on principle. Please advise what are my options, I'm willing to pay even more to an attorney, but not XXXX because its claim is both invalid and without substance. In conclusion, I believe this is a frivolous claim by MOUNTAIN RUN SOLUTIONS on behalf of XXXX, a ridiculous attempt to survive in this new era where alarm systems are being replace by other available means.
08/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
Please see original complaint ID XXXX, that has been closed without resolution. Mountain Run Solutions, a debt collector, has purchased and is attempting to collect on an an account that has been charged off or placed in Default by XXXX. In the course of this attempt they have committed Mail Fraud and Identity Theft ; please see the following laws : 18 USC 1341 and 15 USC 1681q ( 3 ). Referring back to the original letter to Mountain Run Solutions, there are three issue s I brought to their attention. Their response to that letter only partially addressed one ; debt verification. Also, please refer to paragraph four of my letter ; if XXXX placed the debt in XXXX or Charged Off the debt, no debt remains owed to anyone. Per my phone conversation with the CFPB, these types of accounts must be removed from all reporting agencies, thus my original complaint submitted to them. Mountain Run Solutions had until 30 days from date the certified letter was received ( XX/XX/21 ) to provide this information requested and comply with the law, otherwise they are required, per the FCRA, to delete the account they have reported to any consumer reporting agencies about me.
01/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA XXXXX	Web
Company : MOUNTAIN RUN SOLUTIONS LLLC Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX Balance : {$650.00} A negative credit item from XXXX, such as a charge-off should not remain on my credit report for more than 4 years from the date of first delinquency. The MOUNTAIN RUN SOLUTIONS LLC collection agency that may must comply with that same date for the charged-off account. This clearly means the debt collector such as MOUNTAIN RUN SOLUTIONS LLC reports the date of first delinquency XX/XX/2019 to the credit bureaus and the original creditor previously reported an date than is more then 9 years since the last reported collection bill from monotronics and first delinquency. The XX/XX/2019 date must be the same date of first delinquency. The date of first delinquency is what determines when the tradeline should be removed from your credit reports. The date of first delinquency is based off the first time of the missed payment and no other payments were made which lead to the account being put in charge-off status approximately 180 days later. The states statute of limitations on the debt is 4 years. Any different date constitutes illegal re-aging.
09/19/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	OH 43232	Web
I attempted to contact XXXX to obtain information and dispute a collection account that just showed up on my husbands credit report. This is the only collection item between the 2 of us, and we have excellent credit. XXXX referred us to a company called Mountain Run ( XXXX XXXX XXXX ). After confirming that Mountain Run purchased this account, I agreed to contact Mountain Run. I explained to the collections agent at Mountain Run why we wouldnt be paying this account, and I wanted to know what date this was purchased. The representative transferred me to a supervisor. She ( XXXX XXXX. ) sounded bored and disinterested and parroted back a few less relevant statements that I gave to the previous representative. Eventually we came to a point where she was condescending and said you dont have a single piece of documentation that you dont owe this debt ( after I explained that we made numerous attempts to contact XXXX to cancel our contract ). She also said If you dont want this on your credit then learn to pay your bills. We pay all of our bills that are legitimately owed and do not deserve to be treated this way when calling to obtain information.
11/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19144	Web
Collection account # : XXXXXXXXX. Looking over my credit report, I saw your company reporting the collection account referenced herein. Following the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information. Original contract agreement, clause in the original signed contract that authorizes the third party like yourself to collect on this debt, statements from the original creditor and itemization of monies owed, copy of bill showing last default date, proof that the debt is valid and collectible and within the statute of limitations for this state, proof that you are licensed to collect in my state of residence and a agreement between your company and the original creditor that authorizes you to collect on this debt. I am allowing you 30 days to give me this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.Your failure to act will result in this matter heading to small claims court for violations of the FDCPA.
06/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33702	Web
I received a letter from Mountain Run Solutions, acct # XXXX stating I owe a debt of {$550.00} that is in collections. It states my name, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and the name of a business after it, for which I have no affliation with whatsoever. I have researched and such a business exists in XXXX, I have NEVER been there and do not owe such a debt. I sent a certified letter to the company from my legal advisor which was REFUSED. Upon further review I found that the suite number on the letter head was different from that in the body by one digit, eventhough the suite was next door AND owned by said company they refused the letter unopened. I have kept the unopened letter. I am on XXXX and the only bills I have are for medications and doctors, which is quite difficult. This whole issue has caused me a great deal of stress above and beyond the chronic pain that I suffer with daily. Here again is the name of the company from which I received a letter : Mountain Run Solutions, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Utah, XXXX ph XXXX XXXX. The address for the remittance in the body of the letter is the same except for XXXX XXXX.
11/17/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98032	Web	Servicemember
Mountain Run Solution has threatened and called stating that I owe a debt that was given t them by XXXX XXXX XXXX dated back from XXXX. Mountain Runs previous Statement under Consumer Compliant # XXXX stated that they bought a debt back in XXXX from XXXX. I have told this company that I was not living in washington during this period however, they have continued their aggressive tactics and threats. They have now went back in and reported that the account was open in XXXX and illegally run my credit report without my consent. They attempted to offer me to settle a debt at {$300.00} that was not mines to began with. Now,, I want to see the contract that was date opened in XXXX ( Stating 4 months past XXXX ) that they just report to the credit bureau today XX/XX/XXXX. This is legal, unlawful and validated the Fair Credit Reporting Act and something needs to be done with this Company and the female employee who continues call and harass people even after being told not to call my number gain. This information needs to immediately be remove from Credit report. I will not pay even .10 cent regarding this illegal debt.
05/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
Mountain run Solution is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and XXXX only says that the mountain run solution says the account is correct, without asking or verifying if the account is correct, mountain run solution must provide correct account verification to XXXX and the other credit bureaus, and only report false information and the XXXX only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and Mountain Run 's solution is damaging my credit with false information, XXXX is part of the game of Mountain Run solution, they just believe what collection agency says, XXXX asked me verified the account like not mine, but there is no way i can proof sometime is no mine.
05/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
Mountain run Solution is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and XXXX only says that the mountain run solution says the account is correct, without asking or verifying if the account is correct, mountain run solution must provide correct account verification to XXXX and the other credit bureaus, and only report false information and the XXXX only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and Mountain Run 's solution is damaging my credit with false information, XXXX is part of the game of Mountain Run solution, they just believe what collection agency says, XXXX asked me verified the account like not mine, but there is no way i can proof sometime is not mine
11/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web
Mountain Run solutions is trying to collect on a debt from " XXXX XXXX XXXX '' for {$4000.00} from me. I have never done any business with Mountain Run Solutions or XXXX XXXX XXXX in my life. I've reached out to Mountain Run Solutions and XXXX XXXX XXXX and that have refused to stop collection efforts or remove this account from my credit report without me paying the fraudulent debt. I have asked several times for a signed contract or written proof that this debt is mine and they have no provided ANYTHING. All they have been able to provide me was with a bill with my name on it which doesn't prove anything. Either they are running a scam on me or someone has opened an account in my name without my acknowledgement and has left me with the bill. Either way I do not owe Mountain Run solutions or XXXX XXXX XXXX anything because I personally have not done any business with them. I am contacting the CFPB because I haven't gotten anywhere with these guys and hoping you all can help. I am prepared to take legal action against Mountain Run solutions and XXXX XXXX XXXX for violating my rights under the FRCA.
07/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA XXXXX	Web	Older American
Hello, mountain run solutions collection agency out of Oregon is reporting a debt that was released in XXXX XXXX of federal bankruptcy in XX/XX/XXXX. They were at that time, notified included on the bankruptcy, and now they are reporting it to XXXX as a collection. I called them twice this morning to try and resolve this, and A ) they kept talking over me And belittling me with lines such as if you paid your debt you wouldnt be in this mess. B ) would not tell me the amount of the debt when asked, and C ). they kept hanging up. The debt is a 10-year-old debt for {$110.00} that was owed to an alarm company, who went bankrupt and went out of business ordered by the court, and was impossible to reach to pay the debt in XXXX to XXXX. They were then bought by XXXX and now moved over to XXXX XXXX, I went to great lengths this morning by contacting XXXX security billing, and attempting to contact XXXXXXXX XXXX to no avail. Its not about not paying the bill, its about this particular collection agency reporting it after it has been dismissed And not complying with federal law.
06/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 278XX	Web	Servicemember
On XX/XX/2020 ; I received a verification letter of debt including contract from Mountain Run Solutions. The letter states that they will delete the account if I agreed to pay {$2900.00}. I ignored the letter until today when I discovered that XXXX had a class action law suit against them for falsify contracts. I searched hard and long for the original contract and found it today in my email. Mountain Run Solutions signed a fake signature on the the contract that they sent me. It does not match the original contract. Also the original documents I received from XXXX has someone else name on the contract. I never noticed it or paid attention to it. I also challenged this with the Credit Bureau but to no avail it was verified by XXXX. I would like the Mountain Run Solutions to be removed from my credit report and also cease XXXX from reporting any false information on any of my credit reports. I am currently seeking legal with the company currently handling the class action lawsuit but removal and the non reinstatement from any debt collectors or XXXX would be sufficient.
01/20/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN 38117	Web	Older American
the compay name is monotronics alarm security, i was another company & it was with 2 other companies, this acct is still being sold & keep on being added to my acct. the acct. was recently & then with XXXX XXXX!! WICH WAS DISMISSED & NOW IT IS SOLD AGAIN because it stayed on my credit report for XXXX now they found another company MOUNTAIN RUN IN XXXX UT.I have been contacted by this company I DID NOT KNOW that could keep trying to sue me this many times from a company after selling this account so many times & was classified as a write off!!! each company is adding on thier charges!!! & trying to me i am a widow on a fix income from my husband, i also have XXXX grand kids i have no excess money!!! anymore information needed contact XXXX CONSUMER XXXX CALL THEM FIRST & NO ACTIONS WAS TAKEN I DO NOT THINK THIS FAIR!!!! IAM NOT A RICH PERSON!!! MY ACCT. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX PH XXXX I NEED THIS TAKEN OFF OF MY CREDIT REP0RT MY HUSBAND HAS BEEN DECEASED FOR OVER 10 YRS I HAVE TO DO EVERY THING ALONG THANK - YOU XXXX XXXX XX/XX/2021
05/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48091	Web
I am writing to dispute a charge of {$460.00} on my XXXX credit report that was once removed off two of my XXXX and XXXX account when I was with/under the XXXX XXXX XXXX from XXXX in a half year. Now that I no longer with the XXXX XXXX XXXX, the company Mountain Run Solutions add the {$460.00} back on my XXXX credit. The {$460.00} charge goes back to over 12 years. I sold my house back in XXXX. In XXXX is when I received a letter from XXXX XXXX that indicated I had a balance. I even tried to work with XXXX XXXX to make payments because I wasnt aware of a balance was due for payment. They were not negotiable with me making any payments they wanted the funds in full. I wasnt aware that a company can collect a debit after 10 years. Can someone explain how can something be removed off your credit when Im paying the law firm to so call fixed my credit but when I stop paying them the hard inquiry be back on my XXXX score? Please remove the hard inquiries back off my credit score since the charge is over 12 years or longer. Please help me.
11/28/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34771	Web
I check my credit score and I realize I have a collection and I immediately call and see whats this collection is for? They told me is a alarm system in a property I never live what happened was I hired that company to install 2 alarm systems I at that time own 2 convenient store it was important for me have it protected so, one of the sells person for this company tell me the is good to have so I decided to hire them in 2018 but them they went to one of my properties and tell my tenants to install the alarm system, but what I dont know was they keep my information and add it to that property but I dont have no idea they did that so I call the collection company and explain them my situation and they told me I have to sue the person who I think they did that fraud but I dont remember their names plus I dont have a idea how sue anyone but I cant pay for this collection I never live in that property and I dont know how they met and they probably check the property in property appraisal and see I own that property at that time.
05/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85234	Web
I had two 36 month contracts with XXXX which ended in 2014. I formally cancelled the contracts in writing however XXXX only cancelled one account. XXXX continued to bill me for services for one of the two contracts after the written cancellation. I notified XXXX multiple times via emails and telephone calls. XXXX was on autopay and collected funds well beyond the contract period and after the cancellation. I asked for a refund of the amounts paid in error which XXXX refused. I stopped payments then XXXX sent the account to Mountain Run Solutions , LLC ( collection agency ) which then reported on my credit reports. I notified the Mountain Run Solutions , LLC that I do not owe this debt. I forwarded copies of the emails to XXXX to prove that I do not owe this debt. Mountain Run Collections refused to remove this from my credit report after receiving proof of cancellation. I am purchasing a house and have to pay a higher interest rate as my credit score was negatively impacted by the erroneous credit bureau collections.
05/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH XXXXX	Web	Older American, Servicemember
I purchased a home security system for our home. When the contract was activated we kept our end of the deal and the company XXXX XXXX did not. I was told before and during signing that my monthly payment would remain the same throughout the duration of the contract. That was not true because I started at approximately {$34.00} dollars a month, by the time I called to cancel the account which was after the system was fully paid for, my monthly payment was at $ XXXX. I called them and went through a verification process to identify myself and told them I was no longer interested in this service and to cancel my account. I was assured that the account was cancelled and I was not in arears when that took place so I am not sure where this {$490.00} is coming from. I had to file for bankruptcy in XXXX which was discharged in XXXX and XXXX was included in the bankruptcy. Out of no where I started receiving letters, calls, and now text messages from Mountain Run Solutions stating that they purchased the account in XXXX.
02/21/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37207	Web
After receiving the defective equipment from the company XXXX they said I would have to write a letter to opt out of any agreement I sent the letter a on XXXX XXXX and they were supposed to remove me from remaining product out of my house and then I receive notice that XXXX had purchased them and took over any contracts or existing clients and they kept trying to charge me for something I had opted out and already discussed with the purchased company. I informed them if they installed equipment I would be willing to do a contract with brinks but no response from them. The payments stop for and then two years later they send a bill saying I owe them for the balance for the remaining period when I never received the services or anything after the first month. And they harassed me about paying this for months during the pandemic. I told them the situation and they said our job is to collect a debt not talk to you about your problems so either pay or its going on your credit for 5 years.
08/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77079	Web
This is in reference to the account XXXX. XXXX does not have an account associated with the service address Mountain Run Solutions is trying to collect on for XXXX XXXX XXXX XXXX Texas XXXX. We signed a contract With XXXX in XXXX. We moved service locations to XXXX XXXX XXXX XXXX Texas XXXX in XXXX. We notified XXXX in XX/XX/XXXX via phone call and letter we were moving and wanted to cancel service. This was confirmed by an agent. We have not lived at that address since XX/XX/XXXX. Apparently the new owner of XXXX was paying for the service until XXXX. I dont know. On the phone with XXXX I was told we signed a contract in XXXX ( and that is the debt being collected on ) yet this contract has not been produced by either party. Neither company is being direct or honest and both of you are refusing to look into this matter. XXXX billing department, you need to deal with this collection company and get them off my back. I do not owe this debt
07/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 631XX	Web
After I found this collection agency, Mountain Run Solutions, on my 3 Consumer Reports I sent them a Notice of Dispute and Demand for Proof of Claim. I requested full verification of the alleged debt owed within 10 days or I would " construe their failure to comply as their absolute waiver of any and all claims against me. '' ( certified letter delivered XX/XX/21. ) I told them that since I hadn't established a financial obligation with Mountain Run Solutions, they have issued a False Bill by trying to collect by mail. I outlined the US Codes that defined Mail Fraud, Creditor, Debt, Debt Collector. XXXX XXXX of Mountain Run Solutions responded to my Notice with another attempt to collect a debt, dated XX/XX/21, offering to delete the account from all credit bureaus in exchange of me paying a lower amount ( {$1500.00} ) than originally alleged to be owed ( {$2100.00} ). He also sent minimal verification documentation.
06/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 700XX	Web
On XX/XX/2021, I had written to MOUNTAIN RUN SOLUTIONS LLC, and ask that they validate the debt. I received a validation letter from them and it was not my signature. Which I already knew because this debt had been sold from a previous collection agency that I had to contact you about before. In their response letter on XX/XX/2021, included the falsified signature which I knew, and a letter stating they purchase the debt from XXXX whom I have never signed a contract to do any business with. In the letter, they stated I can settle the debt for {$2000.00}. And they sent the response letter in an envelope with their logo and name posted boldly on the front of it. I wrote them another letter on XX/XX/2021, letting them know about the FDPA act and to please send me {$2000.00} dollars for a violation of my rights. They turn around and sent me the same information on XX/XX/2021. And never removed it from my credit report.
02/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OK 73132	Web
Mountain Run Solutions , LLC is a predatory collection agency. They were somehow able to purchase a debt that I had already resolved with the original creditor and initiated unfounded collections against me. I asked XXXX XXXX a collector with Mountain Run Solutions to get a transcript of my customer service interaction with the original creditor, XXXX, and he refused to provide me with said information. If Mountain Run Solutions , LLC could access the transcript from XXXX that occurred some five years ago they would see that XXXX took no further action on collecting on what XXXX initially claimed was a balance due but then ultimately took no further action to collect. I do not have time to deal with being harassed by this unscrupulous collector. Please review my complaint and advise. Please note that I am not alleging criminal activity of any kind but rather a potential abuse of standard collection activities.
04/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38141	Web
MOUNTAIN RUN SOLUTIONS was allowed to add a false debt collection on my XXXX report. They also added it to XXXX. It was removed from my XXXX report. The account does not belong to me and my name is a common name. They could not provide any identifying information such as a copy of photo ID, social security card or proof of residence. I completed and submitted the police report to MOUNTAIN Run Solutions however XXXX XXXX is no longer employed with thr collection agency. I do have screenshots, emails and written documentation including a mortgage statement that proves my identity and proof of residence.. I am requesting that this is removed from my report as it is an error and has impacted my score greatly. I can provide written documentation as the agency is not cooperative although they have no written documentation showing this account is associated with me.
02/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92860	Web
I do not have any knowledge of this debt, it's not mine. I pulled up my credit report and noticed the Collection Agency ( Mountain Run Solutions ) was listed on my credit report with XXXX and XXXX. A certified debt validation letter was mailed to the creditor and they responded with a copy of the agreement and added my name to their letter head, along with the individuals on the contract. I filed a police report XXXX to support my claim that the reported collections account is not mine. Please remove it from my credit report with the bureaus. I mailed a certified letter to the credit bureaus about my scenario and asked them to please delete the account. They responded with " WE VERIFIED THAT THIS ITEM BELONGS TO YOU ''. That is incorrect. This is not not my account. Please see attached police report. Thank you, XXXX XXXX
12/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 153XX	Web
Mountain Run Solutions appears per my credit report to be collecting for XXXX which is a bogus and fraudulent collection on my credit report. I didnt even know about it until I looked at my credit report. I disputed it numerous times with XXXX and to date and thus far hasnt fixed it even acknowledged that I have this debt. I was a perfect customer and fulfilled all of my obligations with XXXX. I have never borrowed or entered into any contract with Mountain Run Solutions or know who they are. I never received any notifications by text, phone, email or mail from this company regarding why they claim I owe this debt, nor did they provide me with any or my rights to dispute or validate this allege debt. I discovered this was merely placing a collection on my report. I feel this needs to be off of my credit immediately.
02/26/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91326	Web	Older American, Servicemember
I have been requested to pay for a collection that is not mine. I ask for a contract and they sent a fraudulent contract with a signature that is not my signature. It is for an alarm service where I don't live and have not authorized anyone to use my name or credit. This can only be stolen identity because this is not credit account. Three years ago, XXXX, XXXX tried to collect from me, I explained this was not my account and they removed from the credit bureau, then approximately a year later XXXX, I received mail from another collection agency which I don't know the name. Now I'm receiving from another collection agency. They just keep selling this unauthorized, fraudulent debt. The email address, telephone numbers or the bank account the funds were being drawn from is not mine or has ever been associated with me.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 79902	Web
I notified XXXX that an account apparently owned by MOUNTAIN RUN SOLUTIONS LLC corresponds to an account that was over 10 years old which should no longer appear on my credit report. They claim to have investigated the dispute but they claim to have verified that it was accurate despite the account being over 10 years old. Since the account is over 10 years old they can not have any valid proof that I entered into any agreement that corresponds to a valid and current debt. I have previously notified MOUNTAIN RUN SOLUTIONS LLC in writing that I believe this debt is too old to be reported on my credit report and asking them to provide documentation showing that it is a valid/current debt but they have ignored my requests for information and are instead fraudulently reporting this on my credit report.
07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11221	Web
I disputed a collections account that was flagged to my account through XXXX. XXXX claims it has confirmed that the account belongs to me but thats not accurate. XXXX and XXXXXXXX XXXX has both confirmed that they have verified and removed the collection account. This is a company who claims to have bought my debt from the the original company and has been trying to collect {$670.00} from me and flagged the account to my credit report which has brought down my credit score and affects my credit. Ive tried twice to dispute this with XXXX but it seems like they are property investigating the debt or are going based on what this debt collector company is saying and ignoring that I have already several times confirmed is not mine and other credit reporting agencies has removed and fixed this account.
03/18/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	OH 44146	Web	Servicemember
I was called and told the collector told me that she was on the way to my house and that I would be arrested. She also asked me if I still reside at my current residence. She told me I could prevent this by making a payment. She even stated that if Im not home she would show up at my job. She works for Mountain Run. This is a collection agency for XXXX XXXX XXXX XXXX. Also I do not owe the debt. XXXX charged me a monthly amount more than what they stated it would be when I agreed. I also requested a suspension of service while my job was on furlough. They refused and continued to bill me. They refused to resolve issues before sending my account to a collection agency Also he collection agency is restarted my start date to fraudulent damage my credit. This has been on my credit for over 7 years.
10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web	Older American
A company I worked for used XXXX as a security system. They were later purchased by XXXX XXXX XXXX. The company closed in XXXX and the office was closed and the services were canceled in XX/XX/XXXX. There was a credit balance on the account of {$14.00} at the time and the were to issue a refund. The refund never came. Last week I received a collection on my personal credit report for {$520.00} This was never my account to begin with. I have never received any notices about a charge. The business account was closed over 2 years ago. I have called XXXX XXXX XXXX and they said they could not do anything. I asked to talk to a supervisor and after over an hour they hung up on me. I called Mountain Run Solutions and the call went to voice mail. I want this off my credit report.
02/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35010	Web
I sent a letter to Mountain Run Solutions to validate an account they are reporting on my credit report with XXXX XXXX. The certified mail letter was received by Mountain Run Solutions on XX/XX/2020 via USPS tracking number XXXX. I have not received appropriate validation documents such as the assignment agreement between the original creditor and Mountain Run Solutions, the original contract from the original creditor, a record of the payment history, or proof that the collection company is registered and licensed to collect in my state, which I requested in the letter. The information being reported on my credit reported, mainly the balance, is incorrect. The company failed to validate this debt and the account is still reporting on my credit report and reporting incorrectly.
04/21/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CA 90631	Web
Ok XX/XX/21 I called Mountain Run to settle the debt. I asked to speak with a supervisor to help me settle the amount owed on this almost XXXX XXXX XXXX debt that I wasnt aware of until it recently posted on my credit. Unfortunately, we were not able to come to an agreement and the supervisor began to belittle me and make fun of my financial hardship. I reminded her that I am a customer and not to be condescending towards me. She proceeded to correct me stating I am a consumer and that I can not afford to pay my bill much less a lawyer in a condescending demeanor. I was not able to tolerate her condescending tactics and I hung up the call. It is important to remain professional and kind everyone is going through rough times.
08/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93308	Web
Back in late XXXX I called Mountain Run Solutions to take care of this collection for XXXX dollars. After giving them all my personal information, they still could not locate the account. At this point it seemed pretty clear that this collection was on my credit report by mistake. I then called XXXX to dispute this account because if Mountain Run can not locate the account, it should not be on my credit report. I then checked my credit report in XXXX and the account now says, This item remained unchanged from our processing of your dispute in XX/XX/2021. HOW?! It is illegal for this account to remain on my credit report if Mountain Run can not even locate it. This account needs to be removed from my report immediately.
04/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91737	Web
This debt was paid in full directly to XXXX XXXX, they sold this account to perfection Collection, I was able to provide all paid receipts to Perfection in which they ignored all my results, and which they were unable to verify the debt. they then sold the debt to mountain run solutions, I have sent several letters to validate the debt and also provided the paid receipts to this company, they are trying to collect on a debt that is not valid. i have the original contract which the balance stated clearly states {$530.00}. Mountain Run Solutions is requesting that I pay {$1100.00}. I am exercising rights to have this information removed and this company be reported as reporting fraudulent accounts on my credit report.
05/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34787	Web
I know nothing about about this account. I have never received a call, email, letter in the mail, nada. One day I checked my credit report and there it was. No one has or can provide information that the debt actually belongs to me ( because it doesn't ). I have no documents because I never signed up for this account I have Disputed this to all three credit agencies. XXXX states they verified but has not provided proof it is my debt. XXXX doesn't have it on my report XXXX does and I have disputed This is the company : MOUNTAIN RUN SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX I have NEVER had XXXX for any of my homes I have ever lived in I want this cleared off my report ASAP
09/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78154	Web
This company received my request to validate the debt for {$1100.00} on XX/XX/XXXX with tracking # XXXX. When I pulled my credit report they did not furnished my account that it is on dispute. I sent another letter that they received on XX/XX/XXXX with tracking # XXXX. I have been sending them follow up letter regarding this account and they only sent me couple of letter without providing a valid proof that I owe the debt. Aside from that until now it's not furnished as being in dispute and it's been 2 years! I have also tried to challenge the accuracy of the reporting in Transunion but they removed it. How come it's still reporting in my credit report even without validating this debt properly.
05/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34639	Web
After recently reviewing my credit reports. I have noticed a account I do not recognize. I asked XXXX & XXXX to investigate and verify a collection from " MOUNTAIN RUN SOLUTIONS ''. I have not received any response from the credit bureaus since XXXX regarding the investigation. I have asked the credit bureaus multiple times with no success. I have also reached out to Mountain Run Solutions, where I directly requested them to validate the debt ( show me proof that the debt is mine ). First letter was sent on XXXX, second one was sent on XXXX & third was sent on XXXX. No response from any parties involved. The collection account is also not showing in dispute, they are blatantly ignoring me.
01/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28173	Web
On XXXX XXXX an account was posted in collections on my credit report in the amount of $ XXXX.The collection company, Mountain Run Solutions , has stated to XXXX, the account was opened on XXXX XXXX, XXXX. I was informed by XXXX a debt was incurred in XXXX, however I am not listed as part of the debt, past or present. The debt was filed as a joint account. I have reached out to the collection company, and filed a dispute with XXXX, to have the inaccurate information removed. XXXX completed the investigation of the dispute on XXXX XXXX, XXXX, concluding the information reported, is accurate based on information from the collection company. XXXX did not contact XXXX for any documentation.
08/10/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21204	Web
I sent a dispute letter in XXXX of XXXX. I asked them to verify the debt that was placed on my credit report. Mountain Run Solutions then sent a fake contract. I never had an account with Mountain Run Soultions on XXXX. They sent a letter stating that they will delete the account from the credit report with a discount of {$1000.00}. I have filed a complaint, still nothing. Here it is XX/XX/XXXX, I sent another dispute letter. Mountain Run Soultions then sent another contract aside from the first contract. There are two seperate fake contracts. This company is trying to collect money that I do not owe to them. Please have this company delete this information from my credit report.
02/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
XXXX. CFPB XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall cease and desist all communications with the consumer, through all mediums of communication including the credit report. Also, do not engage in any conduct or communication to harass, oppress, or to abuse me, the consumer. Acc CFPB 12 CFR 1006.34, I am requesting validation of this debt. I am also requesting all the information in the 12 CFR 1006.34 Notice of Validation section. Please provide me with the debt collector communication disclosure which is clear and conspicuous. You are using false and deceptive practices, and abusing, harassing and oppressing me to collect on an assumed debt.
11/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98032	Web	Servicemember
Alleged debt was incurred back in XXXX with a security monitoring company named XXXX. I was in military and moved in XXXX from property where alarm system was located. Now apparently the company sold debt which is over XXXX years ago stating debt was in XXXX for {$540.00} Company name is MOUNTAIN RUN SOLUTIONS.. This company has also even calling and harassing and threatening me. In addition, they have reported this on my credit profile fraudulently and has caused significant harm to my life. My credit score dropped XXXX points preventing me from purchasing a home and high interest rates. They have now falsely reported on my credit report that account was opened in XX/XX/XXXX.
11/16/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98032	Web	Servicemember
Alleged debt was incurred back in XXXX with a security monitoring company named XXXX. I was in military and moved in XXXX from property where alarm system was located. Now apparently the company sold debt which is over XXXX years ago stating debt was in XXXX for {$540.00} Company name is MOUNTAIN RUN SOLUTIONS.. This company has also even calling and harassing and threatening me. In addition, they have reported this on my credit profile fraudulently and has caused significant harm to my life. My credit score dropped XXXX points preventing me from purchasing a home and high interest rates. They have now falsely reported on my credit report that account was opened in XX/XX/XXXX.
01/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38301	Web
XXXX XXXX has a collection on my account that I don't owe for the amount of XXXX. The salesperson committed fraud to get me signed up for an alarm system. I did not own the house and the owner of the property did not give me permission to put an alarm system in the house. The salesperson ran the owner name and my name and got me approved for a system. The salesperson would not give up and if you notice XXXX XXXX name is on the paper and he didnt give permission or signed any forms for the alarm system and it on that person credit as well. My credit was good enough and it was not my property to decide if an alarm can be placed so I don't owe the XXXX. Shady salesman.
09/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29016	Web	Older American
ITS DEBT FROM MOUNTAINRUNSOLUTION FOR XXXX, I SOLD ONE POPERTY IN XXXX XX/XX/2011, THE COMPANY I SOLD THEY HAD ACCICEDENT IN THIER PROPERTY, PROPERTY FULLY DAMAGE, THEYGOT MONEY FROM THEIR INSURANCE COMPANY BUT THEY NEVER XXXX WITH XXXX WITH SECURITY SYSTEM COMAPANY, NOW AFTER 10 YEAR THEY SECURTITY COMPAY FIND MY NAME IN RECORD AND TRY TO CHARGE ME THAT AMOUNT, I ALREADY SEND THEM MY BILL OF SALE AGGREEMENT WHIC IS CLEARLY MENTIONED THEY PEOPLE WAS RESPONSIBLE FOR ANY UTILITIES BILL, I SEND THEM ALL PAPER WORK TO THEM BUT THEY STILL PUT ON MY CREDIT, MY SCORE BECOME XXXX FROMXXXX THIS CHARGES SPOUSE TO PAY BY NEW OWNER BUT THEY TRY TO CHARGE ME SO PLEASE HELP ME
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 78573	Web
XXXX XXXX XXXX XXXX XXXX Mountain Run Solutions LLC aka Perfection Collection Services LLC is violation of federal law by reporting an XXXX account that is over 7 years old since the last payment was made on all my credit reports. XXXX XXXX XXXX XXXX was established in UT on XX/XX/XXXX is apparently practicing debt collection without a license once again. Previously, they did the same thing in XXXX under Mountain Run Solutions LLC name. The same actors, such as XXXX XXXX, seem to be running this business. A complaint with the Utah Department of Commerce will be filed over the phone this week. Please use your federal oversight to investigate these people.
09/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08080	Web
XXXX XXXX XXXX falsely signed my sons name to a contract for service. They also NEVER mentioned at the time of initiation that I was signing up for a 36 month term. In addition, the equipment was never installed correctly or functional. I called them many times in order to terminate this contract to no avail. Now, they have reported this debt to Mountain Run Solutions. I have contacted MRS many times with the offer to settle this debt and they have refused due to it being new debt. They only offered threats to report this to the credit bureaus. I am now being treated unfairly by two institutions without any recourse. Please help. Thank you.
10/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud and sending settlements letters to the credit bureaus.
01/16/2023	No	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30214	Web
This company continues to violate my rights. After I notice they have an invalid account on my credit I notified them and asked for valid verification AND Validation if the account bearing my wet signature, providing proof of their license and being anole to even report a debt. Which they have failed to provide. I explained to them that Ive never signed any contract with them or anyone to sell my information to and any alledged debt should be sent back to original creditor. I asked that any communication is done by mail however they continue to call me on my phone, email and through my business accounts which is accessible by employees.
05/26/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	ID 83634	Web	Servicemember
In XX/XX/XXXX, I sold my home that had a XXXX alarm system. Due to illegal practices of alarm company, I quit paying the monthly amount several Months before home sold. XXXX has been removed off my collections account once due to them charging me for A system I did not have access to. InXX/XX/XXXX, a company sold the debt to Mountain Run Solutions saying I went delinquent inXX/XX/XXXX. Thats impossible because I hadnt paid them since XXXX. I can not get anyone to give me an original date of delinquency nor are they reporting the original date of delinquency on any of my credit reports. I believe they are illegally re-aging my account.
07/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PR XXXXX	Web
Collections company does not provide information of this account and put it on my credit i have never had a bad account and I dont know whats this about, collection company not provided anything to support the fraud they are making. They dont answer the letters send to the trabking num XXXX Company can not even provied a licence to collect in my state and refused to erased this from my credit report which they cant even prove it is mine.collection company has never contact me they went direct to a credit beauro to damage my perfect file of many years. How can XXXX continue to say this is mine if they dont have proof to support this.
07/26/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PR 00956	Web
In XXXX, i hired the service of the Company XXXX, wich this company stopped providing service after the passege of hurracane Maria in XXXX. For this reason the contract is canceled. By the middle of the years XXXX the collection company MontainRun Solution reports a debt of {$1200.00} for payment no made to XXXX, its is wihout sending me any tipe of collectuion invoice. For the moth of XX/XX/XXXX, i send an explanatory latter to Montain Run Solution indicating that said charge is ilegal. At this date im not recive comunication by Montain. I call Montain Run and i asked copy of the contrac but they indicate it was no possible.
07/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85353	Web	Older American, Servicemember
I filed chapter XXXX bankruptcy in 2020 and it was discharged XX/XX/2020 Mountain Run whom I have never done business with keeps reporting debt in my XXXX report. I have asked them to removed it and asked XXXX to remove it I have never done any business with mountain run I did some digging and they may have purchased a debt already written off in my bankruptcy which is XXXX XXXX and they did XXXX was written off in chapter XXXX so now they mountain is reporting the debt under there name a collection acct past due Ive asked them to delete it Ive had no dealing with them And XXXX was in the bankruptcy chapt XXXX already
11/05/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 604XX	Web
XXXX of XXXX I received an alert the company placed a derogatory mark on my XXXX XXXX. I contacted XXXX XXXX. And I requested two validation letters by mail from the company on XX/XX/XXXX, and XX/XX/XXXX. On XXXX XXXX alerted and informed me Mountain Run Solutions removed the invalid debt. On XX/XX/XXXX I received an alert Mountain Run Solutions has now placed A Derogatory mark on my XXXX credit report. The debt amount on my credit is {$210.00} an they claimed it was opened XX/XX/XXXX. XXXX XXXX. The company has never responded to my letters or sent me any validation documents that I requested from my letters.
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78577	Web	Older American, Servicemember
I agreed to make a purchase for a security system and monitoring service. I was not properly provided with a hard copy of the sales papers before installation. I tried to cancel the sale on the same day that the purchase was made. Their customer service did not know how to handle my complaint. I was placed on hold for long periods of time. They failed to provide the proper security system and installation. I cancelled the sale in writing as per their instructions. They have since then sold my account as delinquent. A bill collection agency has reported me to the credit bureau as having a collections account.
10/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94089	Web
I am the victim of identity theft. The collection agency stated that someone added my name as a authorized user for a fraudulent account. The collection agency is now trying to hole me financially responsible. I have already filed a identity theft report with the police department & forwarded to the collection agency. There response was for me to go find the person who stole my identity and hold cause harm to them. The collection agency name is Mountain Run Solutions : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX UT XXXX. The collection company stated this was the debt of a business. Ive never owned a business.
04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 291XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29223	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
07/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78245	Web
Mountain Run Solutions at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, has been sending me collection notices through text and written notices in the amount of {$1500.00}. The collection has been reported as past due balance. I DO NOT know this company nor have I ever done any business with this company. The company does not have a contract with my signature and has failed to respond to any written notifications to validate their claim. According to the FCRA, Mountain Run Solutions had violated my rights as a consumer and I am requesting legal action to remove this from my report immediately.
07/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO 80602	Web
I never received any notification regarding this alleged collection. The original creditor provided us with a service that was not working and I canceled my service, at the time I canceled they said nothing was owed and service canceled. I recently pulled my credit report and I was unsure of what this was, I then saw the original creditors name next to collection company and I called them, they stated they charged me an early termination fee. This was not discolsed to me at the time I canceled, nor did they give me any option to pay this, and this is unscrupulous on each parties actions.
05/30/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	IN 465XX	Web	Servicemember
I have told this company repeatedly for years to stop calling me. They have even called my mother and told her I would be prosecuted if I didnt pay. They have told me the same thing. The debt is not even valid, and they will not leave me alone. Most recently I was contacted via text on XX/XX/21. I asked them to have no future contact and they replied again. I also made it clear that I do not wish to be contacted by any means. They crossed the line when they called my mother a few years ago, and continued to call me after I asked them to stop, while always threatening criminal action.
04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
Mountain Run Solutions LLC has stole my information and identity without my consent. This is my last attempt before I send a notice to sue both Mountain Run Solutions LLC and XXXX.I will also be reporting to the Attorney General, XXXX, FTC XXXX and filing for suit in Federal District court for monetary relief x3. After several disputes and attempts to certify and validate an alleged debt, Mountain Run Solutions LLC has violated my rights. Mountain Run Solutions LLC has violated 15 U.S. Code 1692c, 15 U.S. Code 1692d, 15 U.S. Code 1692e,15 U.S. Code 1692g, and 15 U.S. Code 1692j.
04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
Mountain Run Solutions LLC has stole my information and identity without my consent. This is my last attempt before I send a notice to sue both Mountain Run Solutions LLC and XXXX.I will also be reporting to the Attorney General, XXXX, FTC XXXX and filing for suit in Federal District court for monetary relief x3. After several disputes and attempts to certify and validate an alleged debt, Mountain Run Solutions LLC has violated my rights. Mountain Run Solutions LLC has violated 15 U.S. Code 1692c, 15 U.S. Code 1692d, 15 U.S. Code 1692e,15 U.S. Code 1692g, and 15 U.S. Code 1692j.
10/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28270	Web	Older American
I have an account showing up on my credit report as a collections for XXXX XXXX . This account was paid off by the company assigned to collect which was XXXX XXXX XXXX on XX/XX/. A company by the name of Mountain Run Solutions is still attempting to collect an inflated amount of money that is not owed. I have disputed twice with the credit reporting agency by submitting a PAID IN FULL letter and the Mountain Run Solutions company continues to call, text, and renew this account on my credit... which is negatively affecting my score.
06/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76123	Web
I have sent several letters asking for debt validation over the past 60 days and have not received any response from this creditor. According to FCRA 15 U.S.C. 1681g I the consumer have the right to demand all documents pertaining to this debt. FCRA 15 U.S.C 1692g 5 requirements must be sent to I the consumer and a debt must be validated in writing within thirty days of receipt of the letter. This creditor has violated this law. The first letter was sent on XX/XX/XXXX and the second letter was sent on XX/XX/XXXX.
07/12/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 31419	Web
XXXXs alarm was broyght out by XXXX we didnt find out until we upgraded our alarm system.Prior to that we had XXXX for XXXX to XXXX. No problems. When we upgraded they did a verbal recorded contract. We were tricked on the terms & conditions by the salesman.We paid for what we purchased. XXXX claimed we had late fees & interest owed. We did the math on the acct & We tried to get an understanding but to no prevail we parted ways.Now were here with an outrageous bogus bill on my credit.We dont owe XXXX anything..
12/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 672XX	Web
MOUNTAIN RUN SOLUTIONS LLC has reported me to credit bureaus for a contract that they claim I owe from XXXX for {$700.00}. The claim and contract is fraudulent. It's not mine nor do they have any information to tie it to me except a fraudulent contract not filled out or signed by me. They continue to intentionally cause harm to my credit rating in an attempt to extort money. I have never heard of the claim until now. MOUNTAIN RUN SOLUTIONS LLC ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
02/25/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60560	Web
I wrote a letter to a debt collection company, Mountain Run Systems dated XX/XX/2021 disputing a debt and requesting the company to cease and desist any further collection activity. Today, XX/XX/2021, my wife received a series of text messages on her cell phone from this company demanding payment of the alleged debt. This is after my written correspondence requesting them to not contact us and after receiving 3 letters in response last week to my inquiry which were dated XX/XX/2021 demanding payment.
01/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76006	Web
I received a letter from Mountain Run who purchased a debt from XXXX/XXXX. Mountain Run Solutions says I owe XXXX and the account number is XXXX. I never had any such account with this company. I did a bankruptcy 2 years ago. I have since sold my house and never purchased any brinks account. If I had purchased from them it would have been included in my bankruptcy. I know I never had an account with either company. They also failed to send notice of debt, before going to debt collection agency.
07/03/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28027	Web
Mountain run solutions has called and texted me. I do not have an account with them nor have I had an account with XXXX in which whom they alleged they purchased the account from. Mountain run stated someone named XXXX XXXX signed the paperwork with his name. used his debt card do pay for their service but had the service in my name. That is the first red flag of a fraudulent account when XXXX or mountain run should have never activated service for him without showing a pictured ID.
12/16/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	TX 770XX	Web
On XX/XX/2021, I called XXXX XXXX XXXX XXXX, company to stop the recurring payments with the payment arrangement I set up for the debt amount. The payment arrangement was XXXX per month and the debt amount was XXXX. I spoke with agent XXXX XXXX and he sent an email confirmation to confirm the cancellation of the payments. After this agreement my account was not debited for XXXX but was debited XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of 2021.
05/29/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77642	Web
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved
10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00926	Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
02/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IA 507XX	Web
Mountain Run Solutions, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
03/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85353	Web
Mountain Run Solutions purchased a discharged debt from XXXX. The debt was discharged XX/XX/XXXX in bankruptcy court. Mountain Run has been made aware of debt several times via email XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX via certified mail from my attorney. Mountain Run Solutions reported date opened as XX/XX/XXXX ( post discharge ) which is not accurate and deceptive, this company has refused to comply with discharge orders and continues to report to credit bureaus.
06/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85140	Web
On XX/XX/2021 I requested by phone that Mountain Run Solutions provide me proof of debt to support the derogatory collection they placed on my XXXX credit report. I filed a complaint with the XXXX XXXX disputing the debt and asked once again for proof, On XX/XX/2021 they once again refused to provide this information to me saying it was my responsibility to obtain it. Under Federal law they are required to send me proof of a debt and they failed to do so.
06/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85140	Web
On XX/XX/2021 I requested by phone that Mountain Run Solutions provide me proof of debt to support the derogatory collection they placed on my XXXX credit report. I filed a complaint with the XXXX XXXX disputing the debt and asked once again for proof, On XX/XX/2021 they once again refused to provide this information to me saying it was my responsibility to obtain it. Under Federal law they are required to send me proof of a debt and they failed to do so.
01/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33543	Web
years ago I think XXXX XXXX XXXX and I had issues over service we agreed to discontinue services no fees owed. Years Later XXXX Mountain Run bought this OLD claim that is too old and age to collect on and started a new collection date. I have filed various complaints and they will not work with me. I refuse to pay for a claim I don't owe! This company should not be allowed to bully people into paying for an aged claim that they bought ... ...
07/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20902	Web
This debt is currently reporting on my XXXX consumer credit report and is disputed by the consumer, as follows. 1 ) Debt validation has not been provided by the reporting debt collector 2 ) The debt collector has no contract with the consumer for the amount owed 3 ) The consumer does not acknowledge a debt owed to this debt collector 4 ) The debt collector has been notified by USPS mail of the nature of this dispute, per attached
12/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60628	Web
Over the past year, I have been trying to get documented verification on the account associated with my name from Mountain Run Solutions. On XX/XX/2021, I had reached out to the XXXX major credit bureaus for assistance in verification. Even after providing proof, XXXX advised that they would not be investigating this account because the company has verified the account to be accurate without any documented proof.
07/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77044	Web
Mountain run solution has added a collection that has never belonged to me. I did not open an account with XXXX I have called them.to confirm. But nothing. I have disputed through mountain run, and they have failed to confirm. The charges or validate it. The amount alleged owed is {$400.00} which I do not owe. I've kindly asked them.to remove it but none to avail. I'm making this complaint because I need help.
11/21/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34667	Web
In XX/XX/2010 with my I signed up for home security services with XXXX. We signed a contract for XXXX months. During the contract period I divorced my ex husband and we both called in to XXXX to early terminate the contract. The debt has not been paid. I have received " Demand for payment '' from XXXX XXXX XXXX. How is it legal for them to " Demand Payment '' XXXX years since the contract expired?
02/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38104	Web
In checking my credit report I became aware of a collection from Account Name : MOUTAINRUNSO ( Original Creditor : 05 XXXX ) for {$3300.00}. I explained to them that this wasn't my account and they have refused to remove it. I reached out to who I believed to be the responsible party who contacted Mountain Run Solutions and they were undeterred and refused to remove the collection from my report.
10/18/2021	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	FL 33024	Web
On XX/XX/XXXX, I faxed XXXX a copy all my identifying information along with an FTC report. Explain I did not consent not authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts.
03/21/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web	Servicemember
Prior Complaint Number : XXXX follow-up. As of XX/XX/2022, the company has yet to properly validate the debt and consumer has not yet received any such validation at consumer 's USPS address. This is a clear violation of the FDCPA and FCRA. Enough time has gone by for the company to validate this debt properly. I request the CFPB to hold the company in violation of the FDCPA and FCRA.
04/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92571	Web
I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.
01/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77598	Web
Debt collector was trying to get me pay the balance on a home alarm that I didnt open. when I asked to email me the information they were confirming me a different email address that is not mine. if this was my account they should have all correct information. I asked them to remove it from my credit but they refused and threatened me to be sued. They also hit my credit score.
04/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WI 53216	Web
I was contacted multiple time by the company regarding a debt. I told the company that the debt is not mine. I was told basically told that it is mine and I need to pay now. Caller was rude and pretended like he was someone else to get me to give him personal information. I was not told that I can dispute within a specific timeframe or any information except to pay or else.
04/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80031	Web
Company change original agreement, over-charging me then falsifying docs to credit bureaus destroying my credit saying I owe them over XXXX k for equipment they saud was " free " with instalationn a year contract. I have called the company for years trying to fix the errors on my account niw its " costing me 'good ' jobs!! " And better pay! Donations and grant money!
11/06/2021	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 Was not notified of investigation status or results	PA 19026	Web
I am very upset with this issue. I sent a letter to the collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
07/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 438XX	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
07/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38109	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
07/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60610	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
06/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34771	Web
The Debt is for A business that has been closed for years. I requested documentation showing where I am personally responsible, and the contract provided only shows the business information, and none of my personal information. i never gave them any of my personal information to get this account open. it was all done under the business.
05/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77386	Web
A police report has been file with the : XXXX County Sherrifs Office Case # XXXX. The report was filed for identifdtity theft and I have reported the accounts attempting to collect debt not belogning to me. I have asked the credit agencies to place a fraud alert on amy credit repot and this has been achieved.
02/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30253	Web
I sent the company a debt validation letter in order to prove that the debt belongs to me. The collection company sent me a fake contract that had been doctored to seem as if I contracted an agreement which I know nothing of. It even has a falsified signature that even has my supposedly last name misspelled.
09/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30214	Web
I dont have a debt with this company. They are in violation of my rights as per USC 1681 I have never given anyone permission to share any information on my behalf. I have never signed any type of agreement with this company and have never done business with this company. This company has harmed my credit.
02/18/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77657	Web
I saw a collection account on my credit file from Mountain Run solutions. I sent a request to this agency for validation of the account. It has been over 60 days and they still have not sent anything, yet they continue to report this erroneous account on my credit. I have insurance. I don't owe anyone XXXX
04/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web
The following companies have falsely reported debts owed to them on my credit : -MOUNTAINRUNSO ACCT # XXXX -XXXX ACCT # XXXX -XXXX ACCT # XXXX XXXX XXXX # XXXX -US DEPT ED ACCT # XXXX -DPT ED/XXXX ACCT XXXX XXXX -XXXX XXXX ACCT # XXXX I have never signed a contract with any of the above listed companies.
03/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30004	Web
Mountain Run Solutions LLC is attempting to collect on a debt that is not owed to them anymore and has been sold to another company. They can not report this as this is illegal. This collections was a result of fraud and hereby contested. Please remove this derogatory information from my credit file asap.
02/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78414	Web
XXXX Contract Agreement fails to include disclosures required by the FCCPA ( I.e., Amount Financed ; Finance Charge ; Annual Percentage Rate ; Payment Schedule ; Total of Payments ; Total Sales Price ; Prepayment ; Late Payment ; Security Interest ; Contract Reference ; Itemization of Amount Financed )
03/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60448	Web
Recieved a debt collection letter and i tried to resolve matter with the debt xollection company They wanted to verefy my social security and daye of birth and i tried to tell them the amount owed on account pertains some other entity and the xollection agency will want to hit my credit
01/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33060	Web
Mountain run solutions claims I owe a debt of XXXX for an alarm I never had with vivint smart home. I never signed an agreement with that company. But I did sign an agreement with brinks which was forwarded to XXXX to assist me with this company and remove them from my credit report.
01/09/2022	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 33712	Web
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
05/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94806	Web
A company called Mountain Run Solution put a derogatory mark on my XXXX and XXXX credit reports for the unpaid amount of {$880.00}. I've disputed this information. I do not and have not interacted with a company called XXXX XXXX XXXX. XXXX removed it, however XXXX DID NOT.
11/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89149	Web
THIS ACCOUNT HAS BEEN REPORTED ON MY CREDIT REPORT. THIS IS NOT MY ACCOUNT. MY IDENTITY WAS STOLEN. I HAVE NOT HEARD ANYTHING FROM THE CREDIT AGENCY, AND I FEEL LIKE IM BEING IGNORED. I CONTACTED THEM ON XX/XX/2021 AND I STILL HAVE NOT HEARD ANYTHING.
02/10/2021	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	LA 70117	Web
For the past six months mountain run solutions L has been harassing me, my place of employment, wife, church, mother n law, before XXXX XXXX and sometimes after XXXX XXXX. I've asked them to stop. they pay me no mind and keep doing the same thing.
01/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94510	Web
An active account shows in the credit report which I did not apply as follows : Company Name : Mountain Run Solutions opened on XX/XX/2021 Please be advised I never opened or initiated this account under my name. Thank you, XXXX XXXX
12/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48047	Web
I closed a account in XX/XX/2017 with XXXX balanced. A tenant moved in and opened a account with them after closing mine.Their putting her bill on me due to the mistake that was made with them not changing the account numbers.
02/10/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20815	Web	Servicemember
Inaccurate reporting on all 3 bureaus also fraudulent reporting demand account deletion and block XXXX Show no reporting XXXX shows reporting on time payments XXXX Show no reporting Demand account deletion on XXXX and blocked
03/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38104	Web	Servicemember
Mountain run Solutions are reporting a debt that would have been over ten years old if it were true. I have not had any contracts or services with XXXX since XXXX and do not owe any money. Original contract started in XXXX.
11/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37128	Web
Mountain run solution located XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX violated my consumer rights. Pursuant to 15 USC 1692 B. ( 5 ) Pursuant to violation 15 USC 1692B. ( 2 ) Ive submitted exhibit A and B in the complaint
02/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60623	Web
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them
07/01/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44112	Web
I am not liable for this debt with XXXX and I do not have a contract with MOUNTAIN RUN SOLUTIONS plus they did not provide me with the original application like I asked. Account No:XXXX Amount Disputed : {$780.00}
08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00926	Web
This account does not belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory about this burean. 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
08/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76549	Web	Servicemember
XX/XX/XXXX my report showed that I had opened a XXXX account that I have no idea about. I was XXXX my country at the time in XXXX. XX/XX/XXXX it shows as a b by balance of XXXX and its impacting my life badly.
02/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
03/30/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 93552	Web	Older American
Mountain Run committed fraud by attempting to collect from a debt they manufactured I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX Signed and initial my name on bogus contract.
08/24/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 98520	Web
This debt has been paid, however it was from 2008 and there is no way to provide proof as it is too old, I just received info on this last year which makes it 13 years old. How? How do you fight that?
09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33434	Web	Servicemember
XXXX XXXX was paid in full and equipment returned. Its impacting my credit and they wont remove it because the account was fraudulently sold to a credit collector that continues to damage my credit.
08/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92553	Web
Negative mark on credit report. Due to having the same name as my father. His past debt is on my credit report from a collection agency that will not respond to my request to get removed.
12/28/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33056	Web
They put on my credit that belong to my dad, but the thing is that they use my social and information like if i signed a contract on XXXX and i get my social on XXXX
07/03/2021	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	CA 91732	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43609	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
04/26/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20902	Web
Mountain Run Solutions is reporting the wrong amount owed. I contacted the collections agency in writing and by phone but could not resolve the issue.
03/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 608XX	Web
1.XXXX XXXX {$1400.00} -Mountain Run Solutions. XXXX XXXX. I keep receiving call asking for payment. I do not own anything through this company.
05/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21236	Web
MOUTAINRUNSO is claiming that I owe them {$3200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
01/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30004	Web
Got Collection letter from this company and the debt is not mine. Never initiated business with this company.
05/17/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 935XX	Web	Older American, Servicemember
Mountain run sent contracts with my forged signature to collect a debt that expired by statue of limitations
09/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 329XX	Web
Collection on my credit report on account ( XXXX XXXX ) opened on XX/XX/2019. Do not know anything about it.
01/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60544	Web
This account does not belongs to me. I have never had any account with this company.
06/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76248	Web
I was a victim of violent crime. I am not responsible for this account.
03/27/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 935XX	Web	Older American
Third party debt collection unlawful reporting of debt
02/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MI 48080	Web
Debt {$980.00} on credit report from mountain run
04/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44112	Web	Older American
Collections on my credit report that is not mine
06/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20902	Web

02/13/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	RI 02909	Web

02/09/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PR XXXXX	Web

01/26/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PR 00920	Web

12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44146	Web

09/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PR 00953	Web

09/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34108	Web

09/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29624	Web

08/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29624	Web

07/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29624	Web

07/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29624	Web

06/28/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98671	Postal mail

06/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75115	Web

06/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29624	Web

06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95828	Web	Older American, Servicemember

05/24/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34231	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27330	Web

04/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32218	Phone

04/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80121	Referral

04/07/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75126	Web

04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30349	Web

03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35068	Phone

03/24/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 75126	Web

03/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95762	Phone	Servicemember

03/09/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 79118	Web

02/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75007	Web

02/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93516	Phone	Older American

02/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94591	Web

02/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 70131	Phone

02/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95350	Referral

01/28/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89011	Web

01/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30349	Web

01/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30248	Phone	Servicemember

01/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60544	Web

01/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	OH 44104	Web	Servicemember

01/08/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89128	Web

01/07/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NV 89128	Web

01/03/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23231	Web

12/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web

12/23/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30034	Web

12/23/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30045	Web

12/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11234	Web

12/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30017	Phone

11/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77066	Web	Older American

11/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30045	Web

11/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 87112	Web

11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	RI 02860	Web

11/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34772	Web

11/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80304	Web

10/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77373	Web

10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30060	Web

10/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98671	Postal mail

10/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33162	Web

10/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75154	Web

10/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77573	Web

10/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

10/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29732	Web

10/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH XXXXX	Web

10/01/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77521	Referral

09/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27106	Web

09/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PR 00784	Web

09/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PR 00784	Web

09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78516	Phone

09/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 61802	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29073	Web

09/03/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	PR XXXXX	Web

09/01/2021	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 Their investigation did not fix an error on your report	MO 63138	Web

08/31/2021	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 28314	Web

08/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35040	Web

08/25/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 45417	Web

08/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web

08/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75104	Web

08/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85066	Phone

08/12/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 70058	Phone

08/04/2021	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	PR 00783	Web

07/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53215	Web

07/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33040	Web

07/30/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	ID 83552	Web

07/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 40216	Web

07/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29461	Web

07/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33312	Web

07/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23140	Web	Servicemember

07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33024	Web

07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78586	Web

07/08/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77044	Web

07/03/2021	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	TX 78526	Web

07/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77708	Web

07/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29461	Web

07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76513	Web	Servicemember

07/01/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44112	Web

06/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11415	Web

06/21/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 78046	Web

06/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21075	Web

06/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32503	Web

06/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85140	Web

06/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22030	Web

06/02/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 33410	Web

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19807	Web

05/19/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60619	Web

05/16/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NM 88240	Web

05/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92111	Web	Servicemember

05/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30363	Web

05/06/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77047	Web

04/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77044	Web

04/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77026	Web

04/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98121	Web

04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48221	Web

04/20/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70726	Web

04/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

04/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33317	Web

04/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80817	Web

04/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19151	Web

04/13/2021	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 33193	Web

04/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89031	Web

03/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76548	Web

03/31/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19135	Web

03/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98065	Web

03/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19111	Web

03/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33317	Web

03/25/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 44305	Web

03/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19124	Web

03/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20772	Web

03/04/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76522	Web	Older American, Servicemember

03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44139	Web

03/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33054	Web

02/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37206	Web

02/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89135	Web

02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32712	Web

02/18/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11205	Phone

02/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07110	Referral

02/03/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60617	Phone	Servicemember

01/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77469	Postal mail

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36116	Web

01/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27302	Web

01/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11415	Web

01/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WV 25504	Web

01/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 81520	Web

01/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98444	Web

01/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 78468	Referral

01/01/2021	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 Their investigation did not fix an error on your report	GA 30238	Web