NIC, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85032	Web
I visited a XXXX XXXX urgent care in XX/XX/2018. I paid a copay and did not know I owed any extra money. A few months later, I received one and only one letter from XXXX Debt Collections regarding what I owed to XXXX XXXX without receiving anything from XXXX XXXX in the mail.I then called to inquire in XXXX or XX/XX/2018and was told it was billed through XXXX XXXX when my current health care was and still is XXXX through my work. I let the woman know that there was an issue with insurance and that it was not correct since I was covered with XXXX. She let me know that I should have received an explanation of benefits from XXXX XXXX which I never did and that is because that was not my insurance and I never received anything from them. I proceeded to ask if there was interest on my bill or if I had time to figure this out to contact XXXX or XXXX and she let me know that nothing had changed to my total due and I said I did not feel comfortable paying at that time since it seemed wrong and confusing and as if there was a mistake with my insurance. I also asked for an itemized breakdown of the bill to provide to my insurance and more proof of this issue. I never received anything. I then in XXXX had another visit to next care for an XXXX attack and asked point blank if I had any outstanding balances or money I owed and they said no. I paid a {$100.00} copay that day. I never heard from XXXX Debt collectors again or next care. I then saw my credit score drop last week of XX/XX/XXXX and received a free credit report showing a delinquent report from XXXX Debt collectors on my credit report. I only received ONE letter from them about 6 months ago and only ONE call. NO other information I requested was sent or given to me. No other attempt to contact me and let me know it was about to go on my credit for 7 years. No other letters or calls about the situation at all. I am a responsible person. My credit score before all of this was put on my report last week was a XXXX and now is a XXXX. I have never paid a bill late until this situation due to the incorrect insurance issue. I called XXXX debt collectors and paid the bill in full and requested they take this off of my credit report and let them know that no one followed up with me and they claimed that through the record of our phone call that I never requested further info and that I said I would follow up with them which is FALSE. They never followed up with me about any of this. They refused to take this off my report which will now affect me negatively for 7 years. I have no track record of not paying my bills or owing them any money outside of this situation so I asked for goodwill forgiveness and they still refused even though I paid it in full within 8 months of this bill and no further attempts or warnings were made outside of 1 letter and 1 call. I then contacted XXXX XXXX and made the same requests as I did with XXXX Debt collections and they denied me and refused to take it off my report and claimed they sent the bill to me in the mail. They had the correct address in their system but I said " Since you never heard back from me and I didn't pay the bill, wouldn't you assume I did not receive it? '' They still refused to help me. It was down to he-said she-said ; even though I told them that I paid it in full they would not take this delinquent report off of my credit history. I then filed a complaint with trans-union and it is unknown if they will be able to help me. I am requesting since this is a first time situation and my bill is paid in full as of XX/XX/2018 that this delinquent report be taken off of my credit report due to lack of notification from the creditor as well as the debt collector. There was no contact since 4 months or so and was put on my credit report without any warning or final attempt as well as no adherence to my requests of further information.
06/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 752XX	Web
Issues with XXXX and XXXX 'XXXX XXXX on credit report XX/XX/XXXX, XXXX- I submitted a dispute to XXXX through XXXX XXXX file # XXXX. I called XXXX XX/XX/XXXX because the investigation was completed with no change to my credit report. I gave the file number and the rep saw the XXXX XXXX dispute. XXXX advised to open another dispute, however ; I explained I've been having issues disputing the account on XXXX 's website that is why I disputed it through XXXX XXXX. XXXX has no dispute links on their website to dispute the account and I communicated that to the rep. She gave me the online dept to assist XXXX. She was very combative and stated I needed to open another dispute. She also stated XXXX 's XXXX refused to update the incorrect inaccurate account that's paid in full. I explained the documents I have as proof can't be uploaded because I can't create the dispute online because their website doesn't give me the links to dispute the account. XX/XX/XXXX I called the online dept at XXXX and spoke with a gentleman that stated XXXX isn't affiliated with XXXX XXXX and he had no record of my dispute and he gave no assistance to why I can't create a dispute online. I explained on XX/XX/XXXX the rep saw my dispute with XXXX XXXX with the file # XXXX. I told him he was a liar or the previous rep was and I've been trying to file a dispute directly with XXXX since XX/XX/XXXX, thus I had to dispute it through XXXX XXXX. I further explained I needed to upload receipts of payment and letter from XXXX- XXXX to show XXXX XXXX the account is paid in full and the amount of {$140.00} is not what was owed to XXXX. I let XXXX know I could not upload these documents through XXXX XXXX on XX/XX/XXXX because XXXX just emailed them to me on XX/XX/XXXX which the letter from XXXX reflects the date of XX/XX/XXXX. XXXX had been trying to email me the receipts since I made payment on XX/XX/XXXX. I explained XX/XX/XXXX and XX/XX/XXXX to XXXX that they left XXXX 's XXXX on my credit report without an effective investigation because if they had of contacted the original creditor which is XXXX managed by XXXX they would know this account was paid in full on XX/XX/XXXX in the amount of {$130.00}. I further explained in my dispute through XXXX XXXX to XXXX that XXXX 's XXXX is consistently increasing the original amount of {$130.00} to {$140.00}. I communicated this XX/XX/XXXX to XXXX during my call and the rep kept saying they didn't have an account with a {$130.00} balance. I explained that's the original amount and it states the original amount on my credit report. The rep was very combative.
06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 65202	Web	Servicemember
The following complaint pertains to XXXX XXXX XXXX in XXXX MO. Below is the correspondences address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Every time I visit XXXX XXXX XXXX XXXX in XXXX MO XXXX XXXX receive a bill in the mail approximately three plus months after the receiving services. Once I receive the bill, the amount is immediately reported to a credit collection agency! In other words, once a bill is received in the mail, XXXX XXXX does not give me proper time to pay the amount, before its reported to a collection agency, where I receive a negative impact on my credit report. Most recently, I received a bill in the mail last week from XXXX XXXX XXXX XX/XX/XXXX, I pay the amount due, please see attached payment receipt. Today, XX/XX/XXXX, I receive a notice in the mail from Nemos Investigations and Collections for the amount I paid on XX/XX/XXXX directly to XXXX XXXX, see below address : Nemos Investigations & Collections XXXX XXXX XXXX XXXX, AZ XXXX. This has been an on going problem for over a year, such that I have asked XXXX XXXX to mail me bills immediately after I receive services, and, NOT TO WAIT THREE PLUS MONTHS! I have communicated to XXXX XXXX in the past the following : " Why even send me a bill if at the same time its sent XXXX XXXX is immediately reporting the amount to a Collections Agency, before I receive the bill in the mail, and, before I have an opportunity to pay it. ''
05/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78221	Web	Servicemember
This company has harrassed me with calls and threats about an alleged debt after causing personal injury to my credit report without written consent. I have sent them certified mail in attempts to cure their misconduct first notice on XXXX XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX, second notice on XXXX XXXX. Nemos Collections never supplied any proof of the debt and did not comply with Hippa Regulations along with excessive calls and threats. I have supplied a copy of a call from them which is attached on XX/XX/2022. A HIPAA violation is a failure to comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162, and 164. TCPA violations can often be combined with FDCPA violations, as a debt collector may use an automatic dialing system to call your cell phone in order to collect a debt. The statutory penalties for a violation of the TCPA are {$500.00} per violation and up to {$1500.00} per violation for a purposeful violation. The FDCPA at 15 U.S.C. 1692d prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 U.S.C. 1692d ( 5 ) specifically forbids a collector from causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
07/25/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78757	Web
My fiance 's parents received what appears to be a collection notice from an organization called Nemo 's Investigations and Collections ( NIC ) for a debt of {$90.00} plus interest, dated XXXX/2019, via USPS at their residence. The date of receipt is uncertain ; this notice was delivered sometime before XXXX/2019. While I do stay there with my partner and our XXXX son on occasion, I do not receive mail there nor have I counted it as a residence at any time. The notice contains no mention of the original creditor or any other identifying information that correlates it with any money I may actually know. Moreover, I was out of state on a work assignment during the time and, so far as I know, did not incur any debts on my trip. The notice does, however, contain a message from an individual named XXXX XXXX. Today, I received a call on my cell phone from the number listed on the notice, wherein a person identifying himself as XXXX XXXX requested a callback, without identifying himself as a debt collector or the call itself as an attempt to collect a debt, in violation of 15 USC 1692b rule 6 : ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
05/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 78665	Web
Last fall ( XX/XX/XXXX ) I received a letter in the mail from XXXX XXXX regarding an outstanding medical debt that was discharged in bankruptcy. That day I was upset and abusive and I ceased contact after filing g a XXXX complaint. Today XX/XX/XXXX I was going through my credit report and noticed that the debt that I owed was discharged in bankruptcy. I attempted to call XXXX XXXX today and they outright refuse to speak to me and all I want to know is who sold my debt to them. They were collecting on a debt that was discharged in bankruptcy and I paid the company that sold the debt to XXXX before the bankruptcy occurred, but I made that payment after it had already been discharged so Im just trying to find out who had the debt before them since I dont remember so I can get my money back. They refuse to talk to me today, accused me of being rude today, and keep hanging up on me. Its a simple information request. I also paid XXXX XXXX XXXX dollars at one point and that was also post bankruptcy. This company has attempted to collect on a discharged debt via mail and they owe me the XXXX dollars I paid them to get them off my back when they were actively calling me post bankruptcy.
12/06/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AZ 85296	Web
The company I work for monitors and records calls. I had asked XXXX XXXX @ XXXX XXXX to not call me at work ever. He agreed and contacted me by cell phone and email for normal contact. Today on XX/XX/XXXX he again called my work and harassed me. He immediately ask for payment of debt. I told him I was at work and could not talk. I asked him, on the call, to contact me outside of work and to remove the work number from his contact sheet. He immediately said that my not wanting to talk to him at the moment constituted me no wanting to pay and that he would go ahead and count me as non-payment. I was then forced to try to plea with XXXX while on the recorded line and being monitored by my employers. He hung up on me and I had to contact them outside of work. XXXX XXXX tone and conversation caused me to reveal information I did not want reveal to my employer. My employers are upset that I had taken company time to address these issues. Had XXXX XXXX not revealed my debt on the call or agreed to handle this outside of work, it would not have been an issue for my employer.
12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	AZ 85205	Web
I am filing this grievence due to my frustration with a medical balance that was regretfully placed with Nemos Collection. I recently created an account to monitor my credit and was alerted to a collection still reporting to the bureaus that was paid with the understanding it was going to removed from my credit profile, which I now see it was not. I reached out to Nemos Collections for clarication and to request a deletion of the collection but was met with if I paid my bills I wouldnt be in this situation & that this is my fault, etc. which is highly unprofessional and unethical. In hindsight, had I have known I could have disputed the collection while I researched the validity of the balance to ensure it was in compliance of the Medical Debt Act & HIPAA guidelines I would have gone that route. This is not my area of expertise which is why I trusted, in good faith, the process. Due to erroneous collection tactics, I would like this collection removed from my credit profile with the bureaus. The debt was settled XX/XX/2018.
01/17/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MO XXXXX	Web
This company is in violation of the FDCPA, sections 808 ( 1 ) and ( 2 ). There is no judgement that exists, which warrants the collection of any interest. Nemo 's Collection 's continues to update my credit report on a monthly basis by {$1.00} to {$2.00} dollars and recently did so on XX/XX/XXXX. They have not validated the debt nor provided a copy of the original contract which proves they are legally able to collect interest. In addition, attempts have been made via certified mail, to pay the original balance of the debt, of which the owner of the company refused to accept the certified mail. The owner stated that he has a right to refuse certified mail and does so because attorneys are constantly sending him certified letters. A second attempt was made via priority mail, of which I have received no response, and the USPS, shows it was delivered on XX/XX/XXXX, the same date the company illegally made a false update. I have disputed the inaccuracies with the credit bureau as well.
01/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77339	Web
I paid my {$120.00} balance with Nemo 's Investigations & Collections on XX/XX/2023, I requested a deletion letter to provide to my lender on a mortgage application. I was told this would be emailed to me. When I received the email it was only a automatic payment receipt. I gave them 24 hours to send me the requested letter and never received. I called back on XX/XX/2023 and the man I spoke to was very rude. He notified me that they do no provide any deletion letters, and that the agent I made my payment with should have told me this and was not helpful. I still have the balance shown on my credit report and this is hurting my chance to purchase a house. I was never notified of my balance as well. I never received any phone calls or letters I had a balance. This company has no website and only a phone number that is hard to get through. You either have to select an extension or you are disconnected. I am afraid I made a big mistake paying this balance off to a scam.
05/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75149	Web
RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Nemo 's Collection on XX/XX/2021 and I have no recollection of doing any business with Nemo 's Collection. I am in the process of contacting Nemo 's Collection but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
09/29/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85024	Web
I had paid over the phone with them in XXXX, given my banking info. I noticed there were multiple debts on my record from being XXXX. After paying my debts in late XXXX and XXXX this account I noticed had never been labeled as settled I had called them inquiring about why there wasn't a settled claim like on my other debts and why they chose to just remove it. Nemo 's collections assured me the debt was handled properly and as I see it they has repeatedly been adjusting the amount I owe and deleting the evidence I would've had by not filing the debt as settled, I have tried to talk about my debt and the evidence I paid should've been in my XXXX XXXX report along with my other debts with a settled claim. I assume there are records I can't access that would show them removing and adding to my debt repeatedly.
09/26/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	AZ 853XX	Web
In XXXX or XXXX of this year I visited a XXXX clinic in XXXX, Arizona. I presented my insurance card and paid my co-pay but never received a bill. Approximately two months later and with no further communicatoin I received a letter from Nemo 's Collections for an unpaid balance that I was never contacted about. I called Nemo 's the same day and paid in full with a credit card. I also told them I never received a bill. It is now 6 months later and my credit score reflects an unpaid bad debt for which I was never billed. Both XXXX and Nemo 's Collections have behaved unprofessionally and acted in bad faith regarding this debt. This derogatory information should be removed from my credit file immediately and XXXX/Nemo 's Collections should be warned regarding their unprofessional behavior. XXXX XXXX XXXX.
07/21/2020	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85206	Web
Today XX/XX/2020 I called Nemos Investigations and Collections in XXXX, AZ. I spoke with XXXX XXXX I asked her if there was a way she can write a letter indicating that I paid my {$80.00} debt collection and report it to the credit bureaus. She began to raise her voice and lecture me on how I shouldn't have done this and they sent multiple letters. I informed them I was financially struggling two years ago and that's why I had now paid this. I was not rude at all and didn't want to upset her. She said that the FDCPA and FCRA told them not to delete anything from the reports because that's our fault for not paying. IO then asked if I can get a letter sent that i paid off the {$80.00} and she refused because she said she sent one two months ago and she was not going to waste her time sending another one.
05/24/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 78681	Web
Sent a debt validation request and was refused by NEMO collection agency. Please see my attached evidence for the refused delivery marked by the USPS office. I never received my right to dispute the debt as allowed under the FDCPA & FCRA act. The debt was just added to my credit reports without knowledge. I can not have my right to dispute or request validation of the debt and HIPPA consent requested. This debt must be removed immediately due to refusal to allow my validation of the medical debt in question. Now once you review this complaint you will know my rights and request and will be under the statue to comply. Also sent a fax on XX/XX/2019 Letter attached for Nemo Collections Returned Envelope marked as refused by postal worker attached.
11/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77070	Web
I have not received any confirmation of a legal written contract with my signature, the name, phone, time, and written proof of who your person verified this account with your company. In addition, who did this person spoke at the creditor? their name, time, and phone number on how this person verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached and as you can see if was refused ) ************
01/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85541	Web
Nemo 's collection XXXX has a debt listed on my credit report that is not mine. I never signed a contract or entered into any contract with the people who owe this debt. I have disputed this with XXXX XXXX and Nemo 's to no avail. I have been unable to get credit or a loan due to this horrible ding on my credit report. I have attached the letter I sent to Nemo 's requesting all copies of said contract, etc. They did not send anything but a statement requesting payment. Further exploring by a family law official exposed the fact that this debt was discharged in a bankruptcy and is in the public records. I have also included the letter with the case number, as well as other supporting documentation.
03/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43209	Web
Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to NEMO 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to NEMO 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
09/17/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78258	Web
I received a copy of my credit reports and it reflected a collection account from Nemo 's Collections. I sent them a certified letter # XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 and it was returned to me with the following yellow tag - " Return to Sender - refused, unable to forward ''. I mailed the letter to the address that was notated on the credit report, I also confirmed this address on their website as well. I have attached supporting documentation for your review. I am requesting validation that this debt belongs to me. If they can not provide documentation to support that this is in fact a debt that I owe, I am requesting that this collection account be deleted ASAP.
10/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78154	Web
I HAVE BEEN TRYING TO CHALLENGE THE REPORTING OF THIS ACCOUNT TO THE ONLY CREDIT BUREAUS REPORTS THIS TO VALIDATE THIS DEBT, IT'S BEEN 2 YEARS AND I AM STILL SUFFERING WITH THIS ACCOUNTS REPORTING. I HAVE SENT NEMO COLLECTION A DEBT VALIDATION ON XX/XX/2020 WHICH THEY REFUSED WI/ TRACKING # XXXX AGAIN SENT A MAIL WITH TRACKING # XXXX WHICH THEY REFUSED AGAIN. HOW CAN THEY KEEP REPORTING THIS ACCOUNT WITHOUT VALIDATING THIS DEBT THEY CLAIM I OWE. IN ADDITION TO THAT I HVAE PROOF OF MY CREDIT REPORT WITH RANDOM MONTHS THAT SHOWS BALANCE IS CHANGING. THIS IS A VIOLATION! PLEASE HELP ME REGARDING THIS ACCOUNT. I AM TIRED TI DEAL WITH THIS COMPANY. THANK YOU
03/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 79602	Web	Servicemember
My daughter was seen at a XXXX XXXX urgent care clinic XXXX XXXX XXXX XXXX TX XXXX on XX/XX/XXXX. We received a bill on XX/XX/XXXX for a {$30.00} copay which was paid that day through the website listed on the bill. On XX/XX/XXXX I received a collection from Nemo 's Investigations and Collections XXXX XXXX XXXX XXXX AZ XXXX claiming to be collecting on behalf of XXXX XXXX XXXXXXXX XXXX demanding the {$30.00} payment with {$0.00} interest and claiming that my debt will be reported to the crediting agency if I do not pay. I have attached my receipt from payment as well as the letter.
03/08/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48331	Web
On XX/XX/XXXX I paid the original creditor directly for an old utility company debt. Nemo 's collections did not remove their negative entry on my XXXX report but rather updated the status to paid as if I had paid them. On XX/XX/XXXX I sent Nemo 's collections a letter via certified mail letting them know that I had contacted the original creditor and made payment directly to them. As of XX/XX/XXXX Nemo 's is still reporting this debt as being paid to them which is false and a violation of the FDCPA. This needs to be removed immediately as it is severely damaging my credit rating.
11/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75150	Web
I contacted this Nemo 's collection Company and explained to them I have medicaid, they did not do their investigation of this matter properly. I have also given them my insurance information when I went in. Furthermore, I did not get helped, the doctor came in and said she needed to refer me to get a scan at some local hospital. I am not paying for this when XXXX did not do ANYTHING. Also, this is medical this is not suppose to be on my credit because of HIPPA laws. I would like this removed immediately before I contact my attorney.
07/10/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 77065	Web
I 've recently checked my credit report and I came across a collection agency name XXXX XXXX XXXX. I never gave XXXX XXXX XXXX permission to have access to my personal information. XXXX XXXX XXXX is VIOLATING HIPPA LAWS. XXXX XXXX XXXX could not send me VALDATAION with My Signature of this account .. This account is UNVERIFIED ... I need VALIDATION of this account NOT VERIFICATION.. If this account is not deleted asap I 'm going too filed a claim with the BBB.
06/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77340	Web	Servicemember
On XXXX XXXX XXXX I wrote a request for account validation to Nemo 's Inves tigations And Collections. What they sent back on XXXX XXXX XXXX was not corresponding with Account validation. Please help me with this collection agency. The description of services is scratched in black in k its unreadable. I do not want them to contact me or report false debt to the XXXX credit bureau 's.
08/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37064	Web	Servicemember
Nemo 's Collection agency reported a fraudulent debt on my credit account creating a derogatory mark on my credit report. This mark and additional account negatively impacted my credit score and opportunity to get a car loan. This company does not perform due diligence in their matters which adversely impact those they report against ; seemingly without retribution for their negligence.
09/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95825	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a cell phone debt under an open end consumer credit plan as late for any purpose.
11/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85345	Web
I had an ingrown toe nail removed and was under the impression I could pay {$50.00} on XX/XX/2015. I was told to pay with check they did not take debit card. I received a receipt for the balanced paid from 3 years ago. Now it is reflecting with XXXXXXXX XXXX XXXX for {$260.00} when I did pay the balance. I just want this resolved.
11/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77070	Web
False statement or representation of debt Per violation, there is no legal contract on file with original signature. Contract cancelled with XXXX TX and XXXX collections. ( see attachment**************** )
09/24/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22407	Web
Collectors havent called- if they have there was no message left to return call. Received XXXX mailing, when called the number on the mailer to pay debt, there was no answer even within business hours.
07/24/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	CA 92606	Web
I have received numerous calls from the company calling my employer and impersonating a lawyer and threatening to sue me
12/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web	Servicemember
Do not have a Contract with this company, never heard of this company and the debt does not belong to me
01/31/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78154	Web
This company is violating the Fair Debt Practice Act by rejecting any and all my mail.
06/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76180	Web
Not liable for debt
12/03/2023	No	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 39211	Web

07/12/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AZ 86326	Web

03/30/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78244	Web

03/15/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85364	Web

02/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85648	Web

01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31903	Web

01/26/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75287	Web

01/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85286	Web

08/10/2022	Yes	Debt collection Medical debt	False statements or representation Told you not to respond to a lawsuit they filed against you	TX 78749	Phone

04/11/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85345	Phone

04/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85345	Phone

03/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85296	Web

03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78109	Web

02/03/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48843	Web

11/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78109	Web

11/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85378	Web

10/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75154	Web

09/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75154	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 Problem with personal statement of dispute	AZ 85008	Web

06/02/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77302	Web

05/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 85051	Web

08/10/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22404	Web

05/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85082	Web

02/15/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77477	Web

01/13/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AZ 85258	Web

12/02/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77062	Web

11/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85342	Web

04/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75002	Web

02/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85296	Web

12/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AZ 85173	Web

09/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85050	Referral

08/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75002	Web

01/18/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77373	Web

05/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98682	Web

03/24/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 78613	Postal mail

07/09/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	AZ 85249	Web

08/04/2015	No	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	AZ 85310	Web

01/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MA 02474	Postal mail

01/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AZ 85142	Phone

01/08/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 22405	Phone

12/29/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	PR 00959	Web	Older American, Servicemember

12/14/2014	Yes	Credit reporting	Incorrect information on credit report Account status	OH 43065	Web

11/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85226	Web	Servicemember

09/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KS 66104	Web	Older American

07/01/2014	No	Debt collection Auto	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ 85382	Web

12/18/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	PA 19076	Web